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6 <br /> ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE <br /> THE ORANGE COUNTY, NC HOME CONSORTIUM OP�rl'NVVo 11,0d� <br /> • Loan origination rates are higher social security and public assistance. <br /> for White applicants than for Furthermore, 44.1% (8,923) of the <br /> minority applicants as a whole, total rental households are cost <br /> and minority denial rates are burdened by 30% or more of their <br /> higher than White denial rates. monthly income for housing cost. <br /> • Conventional mortgages in <br /> Orange County made up 32.4% of Impediment 3: Continuing Need for <br /> the conventional mortgages in the Accessible Housing Units <br /> Durham-Chapel Hill MSA for <br /> 2013. There is a need for more accessible <br /> housing that is decent, safe, and <br /> sound. <br /> ❑ IMPEDIMENTS <br /> Impediment 4: Economic Issues <br /> Orange County's 2015 Analysis of Affect Housing Choice <br /> Impediments to Fair Housing Choice There is a lack of economic <br /> has identified the following opportunities in the County which <br /> impediments: prevents low-income households from <br /> Impediment 1: Fair Housing improving their income and ability to <br /> Education and Outreach live outside areas with concentrations <br /> of low-income households, which <br /> There is a need to continue makes this a fair housing concern. <br /> educational and outreach programs <br /> so persons will become aware of their Impediment 5: Public Policy <br /> rights under the Fair Housing Act and There is a need to improve public <br /> to raise community awareness to policies that affirmatively further fair <br /> affirmatively further fair housing housing. <br /> choice, especially for low-income <br /> residents, minorities and the disabled <br /> population. <br /> Impediment 2: Quality of Rental <br /> Housing vs. Affordability <br /> Orange County has a large supply of <br /> rental housing that does not meet the <br /> minimum property standards, <br /> according to U.S. Census and <br /> American Community Survey Data. <br /> Over 27% (1,209) of all vacant units <br /> are not habitable and 9.9% (5,016) of <br /> all individuals are on limited incomes <br /> from social security, supplemental <br /> 4 <br />