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13 <br />• 47% of all disabled renters have a housing problem that includes <br />cost burdened by 30% or more or another type of housing problem. <br />32% of disabled homeowners have a housing problem that includes <br />cost burdened by 30% or more or another type of housing problem. <br /> <br />• In Carrboro 51.1% of renter households and 30.7% of owner <br />occupied households experienced a housing problem. <br /> <br />• In Chapel Hill 54.9% of renter households and 20.5% of owner- <br />occupied households experienced a housing problem. <br /> <br />• In Hillsborough 47.3% of renter households and 39.0% of owner- <br />occupied households experienced a housing problem. <br /> <br />• According to the 2007-2011 American Community Survey (the most <br />current complete set of census estimates): When comparing <br />homeowners and renters by race, “White” households represent the <br />largest percentage of homeownership (84.1%) with “Black or <br />African American” households comprising (9.4%) of the total <br />homeowners. <br /> <br />• In examining housing needs and patterns to help determine goals <br />and strategies, analysis included the extent to which any <br />racial/ethnic group has a greater need in comparison to the <br />County’s overall population need. Data detailing information by <br />racial group and Hispanic origin has been compiled from the CHAS <br />data and the 2010 U.S. Census. Disproportionate need is defined <br />as a group having at least 10 percentage points higher than the <br />percentage of persons in that group as a whole. The following are <br />some of findings of disproportionate needs in Orange County. <br />Some of the findings with regards to homeownership, access to <br />credit and financing among others was: <br /> <br />• The number of White, non-Hispanic middle-income applicants <br />significantly outnumbers the number of minority applicants, and <br />minority households have a lower origination rate and almost <br />double the denial rate. <br /> <br />• Of the total number of “White” households, 65.52% are <br />homeowners and 34.48% are renters. In comparison, of all <br />“Black and African American” households, 42.85% are <br />homeowners and 57.15% are renters. <br /> 128