OTHER-2021-012 Recipient’s Plan to Further Fair Housing

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Other 2021 - 012 ; 4/6/21 ; 8 -h Attachment 1 Recipient ' s Plan to Further Fair Housing Grantee : Orange County Recipient ' s Address : PO Box 8181 Hillsborough, NC 27278 Contact Person : Erika Brandt Contact Phone # : 919 -2454331 Contact Email . ebrandt(a� oran eg countync . ov TDD # : I . Indicate if the Recipient will be affirmatively furthering fair housing for the first time or has implemented specific activities in the past. First Time X Past Activities II . Identify and analyze obstacles to affirmatively furthering fair housing in recipient ' s community. (Use additional pages as necessary) In 2020 , Orange County worked with the Center for Urban and Regional Studies at the University of North Carolina Chapel Hill to conduct an Analysis of Impediments to Fair Housing Choice (AI) . The Al includes an analysis of Orange County laws , regulations , and administrative policies , procedures , and practices that affect the location, availability, and accessibility of housing . The AI also includes an assessment of conditions , both public and private , that affect fair housing choice . The Al identified the following impediments to fair housing : • A lack of affordable housing has resulted in severe rent burdens among many renters , especially those with low and moderate incomes . A majority of renters in the county are rent burdened—spending over 30 % of household income toward rent and utilities ; this figure exceeds 85 % for households earning below $ 35 , 000 and is still over half for households earning $ 35 , 000—$ 49 , 999 . Meanwhile , over 80 % of households earning under $ 20 , 000 are severely rent burdened (meaning they pay over half their income toward rent and utilities) , as are nearly 40 % of households earning $ 20 , 000434 , 999 . • African Americans and Hispanics face difficulties receiving conventional mortgage loans . The denial rate for first- lien, conventional mortgages for African Americans is consistently over four times that of Whites , and the denial rate for Hispanics is between two and four times that of Whites as well . The most common reasons for denial , as noted in the HMDA data, are credit history for African Americans (3 3 % of all denial reasons) and debt-to - income ratio for Hispanics (49 % of all denial reasons) .