1. Opportunity
and Equity
in Southeast
Florida
May 17, 2013
REGIONAL ANALYSIS
OF IMPEDIMENTS TO
FAIR HOUSING
RAI

2.  The purpose of an AI or RAI
is to Affirmatively Further
Fair Housing Choice (AFFH)
 It is a review of impediments
or barriers that affect the
rights of fair housing choice
 Serves as the basis for fair
housing planning
 Provides essential
information to policy makers,
administrative staff, housing
providers, lenders and fair
housing advocates
 Assists in building public
support for fair housing
efforts
WHAT
IS AN
RAI?

3. IMPEDIMENTS TO FAIR HOUSING
CHOICE
Any actions, omissions, or decisions which directly
restrict or have the effect of restricting housing
choices or the availability of housing choices taken
because of:
Race Color Religion Sex Disability
Familial
status
National
origin

4.  All households - regardless of race, color, ancestry,
national origin, religion, sex, disability, marital status,
familial status, or any other arbitrary factor - are
entitled to equal access to housing opportunities.
 Both federal, state and local civil rights laws define
these fundamental liberties.
§ The Civil Rights Act of 1968 provides specific fair housing
protections under Title VII, the Fair Housing Act.
§ The Florida Fair Housing Act reiterates federal law by declaring
it illegal to discriminate in the sale, rental, advertising,
financing, or brokerage of housing.
§ The Broward County Human Rights Act provides additional
protections against discrimination in employment, housing and
public accommodations.
CIVIL RIGHTS: UNDERSTANDING FAIR
HOUSING LEGISLATION

5. SEFLA
RAI

6.  FHEA is quite similar to the Regional AI in scope and
content.
 The Regional AI includes an analysis that identifies both
jurisdictional and regional impediments to fair housing
choice.
 Seven50 utilizes both documents in tandem
 Our end goal is to create a Fair Housing and Opportunities
Action Plan
 The Fair Housing and Opportunities Action Plan’s
strategies and actions will be implicitly reflected in all
final product(s) of the Sustainable Communities
Regional Planning Grant.
FHEA AND RAI

7. 1. Regional Background
² Basic Existing Conditions Analysis at the
County and Regional Scale:
² Demographics
² Segregation
² Housing
² Poverty
² Labor and Commuting

8. HOMEOWNERS AND RENTERS
87%
9%
17%
75%
19%
26%
White
Black or African
American
Hispanic or Latino
(of any race)
Renter-occupied
housing units
Owner-occupied
housing units
1,517,837
751,424

9. COST BURDENED HOUSEHOLDS
82%
57% 61% 47%
31%
91% 89%
74%
43%
21%
Less than
$20,000
$20,000 to
$34,999
$35,000 to
$49,999
$50,000 to
$74,999
$75,000 or
more
Owner-occupied Renter-occupied

10. A disproportionate
number of renters
are minorities
Renters are more-
cost burdened than
homeowners
Thus, a
disproportionate
number of
minorities are
cost-burdened

11. POVERTY
13%
14%
10%
12% 12%
17%
11%
² Over 850,000
people below
poverty level in
the region

12. POVERTY AND ETHNICITY
9%
23%
16%
White
Black or African
American
Hispanic or Latino
origin (of any race)

13. POVERTY AND GENDER
371,490
482,267
Male Female
31%of Single Mothers with children
present are below the poverty
level

14. Tenancy
0%
10%
20%
30%
40%
50%
60%
70%
80%
Owner-occupied housing units
Renter-occupied housing units
Race/Ethnicity
WHO TRAVELS HOW
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
White
Black or African American
Hispanic or Latino origin (of any race)

15. MODE OF TRAVEL
0% 10% 20% 30% 40% 50% 60% 70% 80%
Drive Alone
Carpool
Public Transportation
Indian River County, Florida St. Lucie County, Florida
Martin County, Florida Palm Beach County, Florida
Broward County, Florida Miami-Dade County, Florida
Monroe County, Florida 7-County SE Florida Region
25 24
27
42
Mean travel time to work

16. Fair Housing Legal Evaluation
² Assisted Housing Inventory
² Fair Housing Discrimination complaints

17. FAIR HOUSING ASSISTANCE
AGENCIES WITHIN SEFLA
County Name Agency Type
N/A- State Level
Federal Commission on Human
Rights
State Agency; Government
Palm Beach
Legal Aid Society of Palm
Beach County
Private
Palm Beach County Office of
Equal Opportunity
Government
Broward
Broward County Office of
Equal Opportunity | Civil Right
Division
Government
Miami
Housing Opportunities for
Project Excellence, H.O.P.E Inc.
Private
Miami-Dade Office of Human
Rights and Fair Employment
Practices (OHRFEP)
Government

18. EXISTING ASSISTED HOUSING
INVENTORY
2,856 2,480 1,219
12,652
17,129
40,514
838
77,688
Number
of
Properties Total Units
Assisted
Units
%
Assisted
Indian
River 26 2,858 2,856 99.9%
St. Lucie 18 2,623 2,480 95%
Martin 17 1,221 1,219 100%
Palm
Beach 93 13,802 12,652 92%
Broward 121 21,116 17,129 81%
Miami-
Dade 334 42,346 40,514 96%
Monroe 17 861 838 97%
7-County
SE Florida
Region 626 84,827 77,688 94.3%

19. ASSISTED HOUSING BY INCOME
RESTRICTIONS
0 5000 10000 15000 20000
Indian River
St. Lucie
Martin
Palm Beach
Broward
Miami-Dade
Monroe
<=35% AMI 40-50% AMI 55-60% AMI 65-80% AMI >80% AMI

20. ASSISTED HOUSING TARGET
POPULATIONS
Family
Elderly
Farmworker
Fisher
Homeless
Persons with
Disabilities

21. RACE AND ETHNICITY OF ASSISTED
HOUSING TENANTS
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Indian River St. Lucie Martin Palm Beach Broward Miami-Dade Monroe 7-County SE
Florida Region
% Minority % Black % Hispanic

22. FAIR HOUSING DISCRIMINATION
COMPLAINTS: 2007-2012
17%
0.3%
14%
2%
7%
11%
43%
1%
6%
RACE
COLOR
NATIONAL ORIGIN
RELIGION
SEX
FAMILIAL STATUS
DISABILITY
AGE
OTHER

23. FAIR HOUSING COMPLAINTS OVER
THE FIVE YEAR PERIOD
0%
5%
10%
15%
20%
25%
30%
2007 2008 2009 2010 2011 2012

24. Basis % Rank
DISABILITY 43% 1
RACE 17% 2
NATIONAL ORIGIN 14% 3
FAMILIAL STATUS 11% 4
SEX 7% 5
OTHER 6% 6
RELIGION 2% 7
AGE 1% 8
COLOR 0.3% 9
BASES FOR DISCRIMINATION
COMPLAINTS
0%
10%
20%
30%
40%
50%
60%
Indian River St. Lucie Martin Palm Beach Broward Miami-Dade Monroe
DISABILITY RACE NATIONAL ORIGIN FAMILIAL STATUS

25. TOP FOUR BASES FOR
DISCRIMINATION COMPLAINTS
OVER TIME
0
50
100
150
200
250
300
350
400
450
2007 2008 2009 2010 2011 2012
DISABILITY RACE NATIONAL ORIGIN FAMILIAL STATUS

26. Lending Profile
² Discriminatory Lending Practices
² Home Mortgage Disclosure Act Data
Analysis

27. LOAN DENIAL RATES
Overall Loan Dispositions for the Seven County Southeast Florida Region &
The State of Florida
County Originated/
Approved
Denied Other Total
Broward 12954
(55.87%)
5277
(22.76%)
4957
(21.38%)
23188
Indian River
County
1133
(67.76%)
261
(15.61%)
278
(16.05%)
1672
Martin County 1193
(68.88%)
261
(15.07%)
278
(16.05%)
1732
Miami-Dade
County
10807
(51.41%)
5390
(25.64%)
4824
(22.95%)
21,021
Monroe County 707
(59.97%)
242
(20.53%)
230
(19.51%)
1179
Palm Beach
County
9765
(60.21%)
3241
(19.98%)
3213
(19.81%)
16219
St. Lucie County 2571
(61.35%)
802
(19.14%)
818
(19.52%)
4191
Florida 144931
(61.59%)
46139
(19.61%)
44259
(18.81%)
235329

28.  The most prevalent reason for loan application denials
among the counties in South Florida in is the loan
applicant’s debt to income ratio
 The second leading reason for loan denials in South
Florida was collateral
LOAN DENIAL REASONING

29. LOAN DENIAL DISPARITIES BY RACE
AND ETHNICITY
Loan Application Denial Disparities Across the Seven County South Florida Region By Race
Applicant
Race
Broward
County
Disparity
Indian River
County
Disparity
Martin
County
Disparity
Miami-Dade
County
Disparity
Monroe
County
Disparity
Palm Beach
County
Disparity
St. Lucie
County
Disparity
Hispanic 1.15 0.88 1.89 1.08 1.15 1.38 1.2
Black or
African
American
1.42 0.8 2.14 1.15 0.85 1.52 1.34
Asian 1.04 N/V 0.79 1.01 0.67 1.03 1.38
Native
Hawaiian or
Other Pacific
Islander
1.78 N/V N/V 2.16 N/V 1.27 1.24
American
Indian or
Alaska Native
1.27 N/V 1.78 1.01 1.17 1.59 1.64

30. Subprime/High Cost Loans in the Seven County Southeast Florida
Region Compared to the State of Florida
County High Cost Non-High Cost
or Unknown
Total
Broward County 334
(2.91%)
11148
(97.09%)
11482
Indian River
County
19
(2.25%)
826
(97.75%)
845
Martin County 25
(2.73%)
891
(97.27%)
916
Miami-Dade
County
410
(4.58%)
8551
(95.42%)
8961
Monroe County 5
(1.54%)
320
(98.46%)
325
Palm Beach
County
201
(2.48%)
7896
(97.52%)
8097
St. Lucie County 51
(2.55%)
1950
(97.45%)
2001
Florida 4177
(3.50%)
115111
(96.50%)
119288
SUBPRIME LENDING

31. High Cost Loan Disparity Across the Seven County South Florida Region By Race
Applicant
Race
Broward
County
Disparity
Indian River
County
Disparity
Martin
County
Disparity
Miami-Dade
County
Disparity
Monroe
County
Disparity
Palm Beach
County
Disparity
St. Lucie
County
Disparity
American
Indian or
Alaska Native
No High Cost
Loans
No High Cost
Loans
No High Cost
Loans
3.09 No High Cost
Loans
2.79 No High Cost
Loans
Asian 0.45 No High Cost
Loans
3.73 ,78 No High Cost
Loans
0.31 No High Cost
Loans
Black or
African
American
1.64 2.5 No High Cost
Loans
0.71 No High Cost
Loans
1.42 1.28
Hispanic
Ethnicity
1.37 0.69 No High Cost
Loans
1.42 1.69 2.14 0.74
Native
Hawaiian or
Other Pacific
Islander
1.03 Not Listed Not Listed No High Cost
Loans
No High Cost
Loans
No High Cost
Loans
No High Cost
Loans
White N/A N/A N/A N/A N/A N/A N/A
SUBPRIME LENDING DISPARITIES BY
RACE AND ETHNICITY

32. Identified Impediments

33. TOP TEN IDENTIFIED IMPEDIMENTS
1.
• Lack of Knowledge, Awareness of, or Education on Fair Housing Protections
2.
• Fair and Equal Lending Disparities
3.
• Housing/Lending Discrimination on the Basis of Race, Color, National Origin, Religion, Sex, Familial Status and Disability
4.
• Shortage of Affordable Housing Opportunities
5.
• Violations of Federal, State and Local Housing Laws
6.
• Housing Market Segregation
7.
• Predatory Lending
8.
• Limited Funding to Meet Need for Affordable Housing
9.
• Zoning/Land Use
10.
• Improvement of the Housing Discrimination Complaint Process

34. WHERE
ARE WE
NOW?

35. AFFIRMATIVELY FURTHERING
FAIR HOUSING
1. Conduct an analysis to identify impediments to fair
housing choice within the jurisdiction ✔
2. Prepare a Fair Housing Strategies & Action Plan that
will identify appropriate actions to overcome the
effects of any impediments identified through the
analysis
3. Maintain records reflecting the analysis and actions
taken in this regard

36. 1. Await HUD guidance on local jurisdictions opting in to
the Regional AI.
2. Utilize datasets from Regional AI through Seven50 data
warehouse and SFRPC Data Commons.
3. Review cross-jurisdictional impediments and coordinate
regional responses
LOCAL JURISDICTIONS AND RAI

37. 37
THANK YOU!
For further information,
contact James Carras
Phone: 954.415.2022
Email: carras@bellsouth.net
Principle Researchers
FHEA: Urban Revitalization Strategies
– Rebecca Walter and Serge Atherwood
RAI:
– Anna McMaster and Rasheed Shotoyo