Res 2013-088/Adopting the 2013 Analysis of Impediments to Fair Housing Choice

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sixteen complaints were filed according to one or more of seven bases, including; National Origin, Color, Religion, Familial Status, Handicap, Sex, and Race. Focus Groups, Fair Housing Index, Home Mortgage Disclosure Act Analysis Fair housing choice within the City of San Marcos encounters a number of impediments, as identified through the construction of a fair housing index, and analysis of the Home Mortgage Disclosure Act (HMDA) data for San Marcos. Data collected in preparing the Al relied in part on input from the public. The process included information gathered from three focus group sessions, key persons interviews, and data provided by the Community Development Division. We also acknowledge the participation of the local chamber of commerce, and representatives from the banking and mortgage institutions, housing development, non - profit, social services, business and real estate industries. Participants attending the focus groups, community needs workshop, and community forums voiced their concerns relating to fair housing choice actions or policy they perceive as impediments. Section Three of this report details the input received during the community participation process. The HMDA analysis, detailed in Section Four, indicates that the major issue in mortgage lending is the credit worthiness of borrowers. The data showed no evidence of disparate impacts of loan denials for minority populations compared to White applicants, however there is some evidence that characteristics of redlining may exist and is found to be adversely impacting fair housing choice in San Marcos. Section Five of the report, the Fair Housing Index, highlights geographic areas indicating a concentration of attributes prevalent in fair housing issues. These attributes include high minority concentrations, older housing stock, reliance on public transportation, low income, low housing values and contract rents, a high ix