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at <br />n 8 City of Cuyahoga Falls, Ohio <br />Analysis of Impediments to Fair Housin Choice <br />1.0 INTRODUCTION ................................ ............................... 3 <br />2.0 FAIR HOUSING AND THE COMMUNITY ............. ............................... 3 <br />2.1 Why Fair Housing is Important to the Community .. ............................... 4 <br />2.2 The Analysis of Impediments to Fair Housing Choice (Al ........................... 5 <br />3.0 HOUSING MARKET AND NEEDS ASSESSMENTS ..... ............................... <br />5 <br />3.1 Location and Size of the Community ............ ............................... <br />6 <br />3.2 Population ................................ ............................... <br />7 <br />3.2 Minorities and Race ......................... ............................... <br />7 <br />3.3 Gender .................................. ............................... <br />11 <br />3.4 Family Status .............................. ............................... <br />12 <br />3.5 Disability Status ........................... ............................... <br />13 <br />3.6 Income Characteristics of Protected Classes ..... ............................... <br />15 <br />3.7 Poverty and Minorities ...................... ............................... <br />15 <br />3.8 Poverty and Gender ........................ ............................... <br />16 <br />3.9 Poverty Status by Family Type and Presence of Children .......................... <br />17 <br />3.10 Persons Receiving Supplemental Security Income (SSI) and Public Assistance ....... <br />17 <br />4.0 ECONOMICS AND TRANSPORTATION .............. ............................... <br />18 <br />4.1 Employment Status Profile ................... ............................... <br />18 <br />4.2 Occupation Profile .......................... ............................... <br />21 <br />4.3 Industry Profile ............................ ............................... <br />22 <br />4.4 Income and Wages Profile ................... ............................... <br />24 <br />5.0 - ADVERTISING IN THE CITY OF CUYAHOGA FALLS .. ............................... <br />26 <br />Local Review of Advertising ..................... ............................... <br />29 <br />6.0 - ZONING and HOUSING REGULATIONS ............. ............................... 30 <br />6.1 Potential Impact of Zoning and Housing Regulations on Fair Housing ................. 30 <br />6.1 Introduction ............................... ............................... 31 <br />6.2 Local Review of Zoning Codes ................ ............................... 33 <br />7.0 HOME MORTGAGE LENDING ACTIVITY ............ ............................... 33 <br />7.1 Introduction to Lending In Cuyahoga Falls ....... ............................... 35 <br />7.3 Sub Prime Lending ......................... ............................... 36 <br />7.3 General Lending in Cuyahoga Falls ........... ............................... 39 <br />7.5 Applications By Loan Purpose ................ ............................... 41 <br />7.6 City of Cuyahoga Falls's Largest Lenders ....... ............................... 43 <br />7.7 Lending to Low and Moderate - Income Households ............................... 44 <br />7.8 Lending By Race ........................... ............................... 45 <br />8.0 FAIR HOUSING ACTIVITIES ....................... ............................... 47 <br />9.0 IDENTIFICATION OF ISSUES ...................... ............................... 48 <br />