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CITY OF MCKEESPORT, PENNSYLVANIA500 Fifth Avenue McKeesport Pennsylvania 15132

ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE

500 Fifth Avenue, McKeesport, Pennsylvania 15132

UPDATED: FEBRUARY 2011

Regis T. McLaughlin, Honorable Mayor

City Council:Michael E. CherepkoRichard DellapennaLoretta M. Diggs

l llDale McCallDarryl SeginaAlfred Tedesco, Jr. V. Fawn Walker

Dennis Pittman, City Administrator

Bethany Budd Bauer,CDBG Coordinator

Prepared For: City of McKeesportDepartment of Community Development

Prepared By: Urban Design Ventures LLCPrepared By: Urban Design Ventures, LLC212 East Seventh AvenueHomestead, PA 15120

City of McKeesport, Pennsylvania

Analysis of Impediments to Fair Housing Choice 2010 Update Page 1

Table of Contents

Executive Summary ........................................................................................................ 2

I. Introduction ............................................................................................................. 7

II. Background Data .................................................................................................... 8

A. Population, Race and Ethnicity ....................................................................... 8

B. Households ................................................................................................... 13

C. Income and Poverty ...................................................................................... 17

D. Employment .................................................................................................. 20

E. Housing Profile .............................................................................................. 22

F. Financing ....................................................................................................... 24

G. Household Types .......................................................................................... 30

H. Cost Overburden ........................................................................................... 32

I. Housing Problems ......................................................................................... 35

J. Disabled Households .................................................................................... 37

III. Review/Update to Original Plan ............................................................................ 39

A. Summary of Impediments – May 2005: ......................................................... 39

IV. Impediments to Fair Housing 2010 ....................................................................... 43

A. Fair Housing Complaints ............................................................................... 43

B. Public Sector ................................................................................................. 51

C. Private Sector ................................................................................................ 60

D. Citizen Participation ...................................................................................... 68

E. Potential Impediments and Recommendations ............................................. 68

V. Certification ........................................................................................................... 69

VI. Appendix ............................................................................................................... 70

A. Appendix A – Demographic Data .................................................................. 71

B. Appendix B – Maps ....................................................................................... 72

C. Appendix C – Home Mortgage Disclosure Act Data ...................................... 73

D. Appendix D – HUD-CHAS Data .................................................................... 74

E. Appendix E – Meeting Summaries ................................................................ 75



Executive Summary The City of McKeesport, Pennsylvania is an entitlement community under the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant Program (CDBG). In accordance with the Housing and Community Development Act of 1974, as amended, each entitlement community must “affirmatively further fair housing.” In order to “affirmatively further fair housing,” each entitlement community must conduct a Fair Housing Analysis which identifies any impediments to fair housing choice. The City of McKeesport prepared an Analysis of Impediments to Fair Housing Choice in 1992 and updates in 2001 and 2005. The City has prepared this 2010 Update to the Analysis of Impediments to Fair Housing Choice to bring the City into sequence with its FY 2010-2014 Five Year Consolidated Plan. This analysis focuses on the status and interaction of six (6) fundamental conditions within the community:

The sale or rental of dwellings (public or private);

The provision of housing brokerage services;

The provision of financial assistance for dwellings;

Public policies and actions affecting the approval of sites and other building requirements used in the approval process for the construction of publicly assisted housing;

The administrative policies concerning community development and housing activities, which affect opportunities of minority households to select housing inside or outside areas of minority concentration; and

Where there is a determination of unlawful segregation or other housing discrimination by a court or a finding of noncompliance by HUD regarding assisted housing in a recipient’s jurisdiction, an analysis of the actions which could be taken by the recipient to remedy the discriminatory condition, including actions involving the expenditure of funds made available under 24 CFR Part 570.

The Fair Housing Act prohibits discrimination against persons based on their race, color, religion, sex, national origin, disability, or familial status in the sale, rental, and financing of housing. This Analysis of Impediments seeks to identify any discrimination that may occur in the City of McKeesport which consequently could limit housing choice. The methodology employed to undertake this Analysis of Impediments included:

Research

- A review of the City’s Zoning Ordinance, Comprehensive Plan, land use policies and procedures was undertaken



- Demographic data for the City was analyzed from the U.S. Census and the HUD-CHAS data and tables, and HMDA data

- A review of the real estate and mortgage practices was undertaken

Interviews & Meetings

- Meetings and/or interviews were conducted with the McKeesport Housing Authority, community and social service/advocacy agencies for the disabled, housing providers, the Realtors Association of Metropolitan Pittsburgh, the Pittsburgh Commission on Human Relations, the Fair Housing Partnership of Greater Pittsburgh, and city staff members.

- Surveys were sent to the McKeesport Housing Authority, community and social service agencies, banks, and the Realtors Association of Metropolitan Pittsburgh. Follow up phone calls were made when an organization neither returned a survey nor attended a meeting.

Analysis of Data

- Low- and moderate-income areas were identified

- Concentrations of minority populations were identified

- Fair housing awareness in the community was evaluated

- Distribution of public and assisted housing units was analyzed

- The location of CDBG expenditures throughout the City was analyzed

Potential Impediments

- Public sector policies that may be viewed as impediments were analyzed

- Private sector policies that may be viewed as impediments were analyzed

The City of McKeesport’s 2010 Update to the City’s Analysis of Impediments to Fair Housing Choice has identified the following impediments, as well as defined specific goals and strategies to address each impediment.

IMPEDIMENT No. 1: FAIR HOUSING EDUCATION, ADVOCACY, MONITORING, AND ENFORCEMENT – There is a need for increased awareness of an individual’s rights under the Fair Housing Act and a need for continued monitoring and enforcement of the Fair Housing Act.



GOAL – Increase awareness of tenant rights, landlord responsibilities, and work to eliminate any discriminatory practices in the sale or lease of houses through education, advocacy, monitoring, and enforcement, to provide fair housing opportunities to all individuals and families. The Strategies to meet this goal include:

- 1-A: Fund and support public education, training, and programs concerning the rights and responsibilities covered by the Fair Housing Act.

- 1-B: Evaluate the role of the McKeesport Human Relations Commission in developing, maintaining and supporting efficient and effective fair housing monitoring, education, and enforcement strategies.

- 1-C: Support and promote the delivery of housing counseling programs and credit counseling for low-income and minority households.

- 1-D: Support and promote the delivery of fair housing services to at-risk groups and victims of housing discrimination.

- 1-E: Include fair housing information and contacts on the City website.

- 1-F: Continue to raise awareness of fair housing through the creation of an educational brochure and proclaiming Fair Housing Month.

IMPEDIMENT No. 2: CONCENTRATION OF LOW-INCOME AND MINORITY GROUPS – There are concentrations of low-income and minority households in certain areas of the City.

GOAL – Promote new affordable housing choices outside areas of low-income and minority concentration in order to lessen concentrations in impacted areas. The Strategies to meet this goal include:

- 2-A: Increase the supply of affordable housing opportunities for low-income and minority households outside of the areas of concentration.

- 2-B: Support opportunities and financial incentives to develop mixed-income housing in areas with high concentration of low-income and minority households.

- 2-C: Increase homeownership opportunities for low-income households by providing funds, or causing to provide, for housing counseling, credit counseling, and downpayment assistance.



IMPEDIMENT No. 3: HOUSING ACCESSIBILITY – The supply of accessible, affordable housing that is decent, safe, and sound does not meet the demand, resulting in limited housing options for persons who are physically challenged.

GOAL – Increase the supply of decent, safe, and sound housing that is both affordable and accessible to low- and moderate-income households who are physically challenged and/or the frail elderly. The Strategies to meet this goal include:

- 3-A: Provide financial and technical assistance for homeowners and landlords seeking to rehabilitate housing units to make accessibility improvements to their properties.

- 3-B: Increase the number of accessible public housing units, particularly for the elderly.

- 3-C: Support applications from non-profit agencies for Federal funds under the HUD Section 811 and 202 Supportive Housing Programs and state funds through PHFA to develop accessible, affordable housing for persons who are physically challenged and the elderly.

- 3-D: Support educational programs to inform the public of the need for accessible housing in the City.

IMPEDIMENT No. 4: PUBLIC POLICIES – The City of McKeesport regulates land use through its Zoning Ordinance, Building Codes, and Code Enforcement program. Some of these policies are outdated and may be too restrictive as they are currently written.

GOAL – Update the City’s policies and procedures to comply with the Fair Housing Act. The Strategies to meet this goal include:

- 4-A: The City will review the City’s Zoning Ordinance and update restrictive definitions.

- 4-B: The City will ensure that the Zoning Ordinance is in accordance with, and makes reference to, the Fair Housing Act, the Americans with Disabilities Act, and other Federal and State laws.

- 4-C: Review the City’s Zoning Ordinance with regard to the location of shelters, supportive housing and transitional housing in various zoning districts.



IMPEDIMENT No. 5: PUBLIC TRANSPORTATION – Public transportation within the City of McKeesport and between the City and other regional employment centers such as the City of Pittsburgh is limited and there is the threat of additional service cuts.

GOAL – To maintain current public transportation and advocate for increased service.

The Strategies to meet this goal include:

- 5-A: Educate the community on how to provide feedback to the Port Authority of Allegheny County to ensure that the Port Authority is aware of the transportation needs in the City of McKeesport.

- 5-B: Support transportation services such as ACCESS so that elderly community members may continue to have reliable transportation services.

- 5-C: Work with the Port Authority of Allegheny County to ensure that service routes meet the needs of McKeesport Residents.

IMPEDIMENT No. 6: ECONOMIC OPPORTUNITIES – There is a lack of

economic opportunities and jobs in the City of McKeesport, making it difficult for low-income households to maintain or improve their living conditions. GOAL – Increase job opportunities to increase household income, allowing for more housing choices. The Strategies to meet this goal include:

- 6-A: Support the flyover to the McKeesport Industrial Park.

- 6-B: Promote Entrepreneurship and small business development to provide economic opportunities to low-income persons.

- 6-C: Support and enhance workforce development and job training to improve job skills for the unemployed and underemployed.



I. Introduction The City of McKeesport is an entitlement community under the U.S. Department of Housing and Urban Development’s Community Development Block Grant Program. In accordance with the Housing and Community Development Act of 1974, as amended, each entitlement community must “affirmatively further fair housing.” In order to “affirmatively further fair housing” the community must conduct a Fair Housing Analysis which identifies any impediments to fair housing choice. HUD defines “fair housing choice” as:

“The ability of persons, regardless of race, color, religion, sex, national origin, familial status, or handicap, of similar income levels to have available to them the same housing choices.”

The Fair Housing Analysis consists of the following six (6) conditions:

The sale or rental of dwellings (public or private);

The provision of housing brokerage services;

The provision of financial assistance for dwellings;

Public policies and actions affecting the approval of sites and other building requirements used in the approval process for the construction of publicly assisted housing;

The administrative policies concerning community development and housing activities, which affect opportunities of minority households to select housing inside or outside areas of minority concentration; and

Where there is a determination of unlawful segregation or other housing discrimination by a court or a finding of noncompliance by HUD regarding assisted housing in a recipient’s jurisdiction, an analysis of the actions which could be taken by the recipient to remedy the discriminatory condition, including actions involving the expenditure of funds made available under 24 CFR Part 570.

The City of McKeesport prepared an Analysis of Impediments to Fair Housing Choice in May 2005 and has prepared this 2010 Update to the City’s Analysis of Impediments to Fair Housing Choice. This 2010 Update will outline progress that has been made since the previous Analysis of Impediments in May 2005, explore the continuation of these impediments where necessary, and identify any new impediments to fair housing choice. Furthermore, this Analysis of Impediments will bring the City into the same time sequence as the City’s FY 2010-2014 Five Year Consolidated Plan. The document is designed to act as a planning tool, providing the City of McKeesport with the necessary framework to strategically reduce the identified impediments to fair housing choice over the next five (5) years.



II. Background Data In order to perform an analysis of fair housing in the City of McKeesport, the demographic and socio-economic characteristics of the City were evaluated as a basis for determining and identifying any existing impediments to fair housing choice. The City of McKeesport has a rich history as a port at the confluence of the Monongahela and Youghiogheny Rivers settled in 1795 by John McKee. McKeesport became a booming steel town and at its peak, the City was home to approximately 55,000 residents in 1940. Until the 1980’s, McKeesport was an industrial city like many formidable manufacturing areas in the Mon Valley. Much like many other industrial cities, the City of McKeesport has suffered from a decreasing number of available jobs and a shrinking population resulting from declining industry. McKeesport is also the home of the original G.C. Murphy Variety Store. Based on the size of the City of McKeesport, the information from the 2000 U.S. Census is the most recently complete set of data available. However, the 2006-2008 American Community Survey offers recent estimations of general demographics of the City of McKeesport. This Census data, along with other databases such as the CHAS Data, have been used to evaluate the City of McKeesport’s demographic and socio-economic characteristics, as well as other conditions affecting fair housing choice. Appendix A of this report contains extensive demographic data that is summarized and/or illustrated in the following sections.

A. Population, Race and Ethnicity:

At the time of the 1990 Census, the City of McKeesport had a population of 26,016. The total population for the City of McKeesport at the time of the 2000 census was 24,040. The U.S. Census Bureau estimates that the City of McKeesport’s total population in 2009 was 22,076. The City saw a population decrease of 1,976 people between 1990 and 2000, or a decrease of 7.6%. Between 2000 and 2009, the City had an estimated population loss of 1,964 people, or a decrease of 8.2%. Since 1990, the City has had a total population loss of more than 15%. Table II-1 below illustrates that “White alone” (72.4%) was the largest racial cohort and “Black or African American alone” (24.5%) was the largest minority cohort. All other races, and persons of two or more races, comprised only 3.1% of the population.

Table II-1 – Race Statistics

Items No. of Persons Percentage

Total 24,040 100%

One race 23,526 97.9%

White alone 17,406 72.4%



Black or African American alone 5,881 24.5%

American Indian and Alaska Native alone 66 0.3%

Asian alone 30 0.1%

Native Hawaiian and Other Pacific Islander alone

2 0.0%

Some other race alone 141 0.6%

Two or more races 514 2.1% Source: 2000 U.S. Census Data

The City of McKeesport’s total percentage of minority population (non-white alone) was 27.6% in 2000. This was an increase from the 1990 U.S. Census when the City of McKeesport had a minority population of 18.1%. The 2006-2008 American Community Survey estimates that the minority population in the City of McKeesport has continued to increase to approximately 30.8%. Census Tracts 5513, 5524, and a portion of Census Tracts 5512, 5519, and 5522 have the greatest percentage of white population in the City of McKeesport. As indicated in the maps below, the darker block groups in the center of the city, particularly along the rivers, have the lowest percentage of white population. On the other hand, the center portion of the City has the highest concentration of minority population. The maps support the fact that the population of the City of McKeesport is disproportionately distributed across census tracts and block groups by race. However, many affordable public housing developments built more than sixty years ago are located in the areas of high minority population. The locations of these developments likely compound the demographics of race and income in the block groups. Additionally, Harrison Village Building 16 a public housing high rise demolished several years ago. The residents of

this building were allowed to select the location of the replacement units. These residents chose the downtown portion of the City as the site for approximately 20-40 new units to be constructed. The City has made efforts to diversify neighborhoods, but

White Population

Minority Population



the location of these units were based on the residents desired location. Included at in Appendix B are maps that illustrate the total population by block group, the percentage of the population by block group that is white, and the percentage of the population by block group that is a minority. Table II-2 below highlights the ethnicities of McKeesport residents at the time of the 2000 U.S. Census. Estimations of the ethnicities of McKeesport residents from the 2006-2008 American Community Survey are also included in the table below.

Table II-2 – Ethnicity and Ancestry

ANCESTRY 2000 U.S. Census 2006-2008 American Community Survey

Number Percent Number Percent

Total population 24,021 100.0% 19,713 100.0%

American 1,029 4.3% 580 2.9%

Arab 53 0.2% 0 0.0%

Czech 145 0.6% 34 0.2%

Danish 8 0.0% 0 0.0%

Dutch 107 0.4% 29 0.1%

English 1,476 6.1% 1,775 9.0%

French (except Basque) 175 0.7% 96 0.5%

French Canadian 34 0.1% 0 0.0%

German 3,852 16.0% 3,383 17.2%

Greek 104 0.4% 124 0.6%

Hungarian 945 3.9% 744 3.8%

Irish 3,020 12.6% 2,563 13.0%

Italian 2,280 9.5% 2,556 13.0%

Lithuanian 36 0.1% 175 0.9%

Norwegian 5 0.0% 0 0.0%

Polish 1,839 7.7% 1,663 8.4%

Portuguese 17 0.1% 0 0.0%

Russian 233 1.0% 155 0.8%

Scotch-Irish 307 1.3% 261 1.3%

Scottish 315 1.3% 278 1.4%

Slovak 1,340 5.6% 1,591 8.1%

Sub-Saharan African 221 0.9% 125 0.6%

Swedish 366 1.5% 242 1.2%

Swiss 16 0.1% 0 0.0%

Ukrainian 102 0.4% 87 0.4%

Welsh 289 1.2% 105 0.5%

West Indian (excluding Hispanic origin groups) 86 0.4% 33 0.2%

Other ancestries 7,164 29.8% ‐‐ ‐‐



The most common ethnicities in the City of McKeesport include German, Irish, and Italian. English, Slovak, and American descendents are also common in the City. Between 2000 and 2008, there was some fluctuation in the makeup of the City, but the most common ethnicities remain in the same proportion, despite some increases and decreases in the population of each. The most noteworthy population decreases are of residents of Arab, Czech, Dutch, Russian, Swedish, Welsh, and West Indian. The ethnicities with the most notable increases in population between 2000 and the 2006-2008 estimate include English, Italian, Lithuanian, and Slovak. These estimated trends may indicate a shift in the ethnic demographics of the City. Chart II-1 below illustrates age distribution within the City at the time of the 2000 U.S. Census. Children under five years of age represented 6.9% of the population; 27.7% of the City’s population was under 20 years of age; and 20.9% was 65 years of age or older.

Chart II-1 – Age of Population

Source: 2000 U.S. Census Data

The median age in the City of McKeesport at the time of the 2000 U.S. Census was 39.7 years. The median age in Allegheny County was similar at 39.6 years, and the median age in the Commonwealth of Pennsylvania was 38 years. The Census Bureau estimated during the 2006-2008 American Community Survey that the median age in the City of McKeesport decreased slightly to 38.8 years. During this same period, it is estimated that the median age in Allegheny County and the Commonwealth increased to 41.8 years and 39.7 years, respectively. The median age in the City of McKeesport does not appear to be increasing as quickly as the County or the Commonwealth. However, a significant portion of the population is over the age of 65, indicating that there is still a need for housing and services for the aging population. Included in Appendix B is a map highlighting the percentage of the population in the City of McKeesport that is over the age of 65. Census Tract 5521, Block Group 2 has the



highest population over the age of 65, as a percentage of the total population of that Block Group. Note: This Block Group also has 38% of its residents who are white, and 62% of its residents who are minority. The high percentage of elderly is as a result of the Isbir Manor which contains 73 units of elderly housing. This project is owned and operated by the McKeesport Housing Authority.



B. Households: Household Tenure According to the U.S. Census for 2000, there were 9,655 households in the City of McKeesport. Of these households, 60% were owner occupied and 40% were renter occupied. The 2006-2008 American Community Survey estimates that the percentage of owner-occupied units had decreased to 54.6% and the percentage of renter-occupied units had increased to 45.4%.

In 2000, the average size of the owner-occupied households was 2.42 persons and the average renter household was 2.25 persons. Chart II-2 illustrates household size breakdown for owner and renter households.

Chart II-2 – Household Tenure by Size

Source: 2000 U.S. Census

Included in Appendix B is a map of the total number of housing units by block group in the City of McKeesport. Also, there are two maps illustrating the distribution of renter and homeowner occupied housing units across the City at the time of the 2000 U.S. Census. As shown in the maps below, the areas of the City with the greatest renter occupied population are located largely along the rivers, as indicated by the darker blue shade in the Block Groups. Conversely, the block groups with the highest owner-occupied population are located in the southern portion of the City. The areas in the City with the highest rates of renter-occupied housing also have the greatest percentage of minority population. The Block Groups along the rivers and in the center of the City have the greatest portion of renter-occupied housing. Census Tract 5519 Block Group 2, Census Tract 5521 Block Group 2, and Census Tract 5512 Block Group 1 have the highest percentage of renter-occupied housing. Many of the assisted housing developments and high rises are located in the areas of the City that have the highest



rate of renter-occupied housing. Similarly, the block groups that have the highest homeownership rates also have the greatest white populations. The greatest percentage of owner-occupied housing in the City of McKeesport can be found in the southeastern portion of the City, particularly Census Tract 5513, Census Tract 5524 Block Groups 1 and 2, Census Tract 5520 Block Group 3, and Census Tract 5512 Block Group 2.

There are additional maps in Appendix B that illustrate the Section 8 Voucher distribution and locations of HUD assisted housing relative to housing tenure and minority population.

Table II-3 compares homeowners and renters by race. This table shows that “White” households represent the largest percentage of homeownership (91.8%) with “Black or African American” households comprising only 6.5% of the total homeowners.

Table II-3 – Household Tenure by Race

2000 U.S. Census 2006-2008 American Community Survey

Cohort Owner (60%)

Renter (40%)

Owner (54.6%)

Renter (45.4%)

Householder who is White alone 5,011 2,366 3,742 2,008

Householder who is Black or African American alone

730 1,378 771 1,699

Householder who is American Indian and Alaska Native alone

8 15 - -

Householder who is Asian alone 3 14 - -

Householder who is Native Hawaiian and Other Pacific Islander alone

0 1 - -

Householder who is some other race alone 16 18 - -

Householder who is two or more races 25 70 - -

Renter Occupied Housing

Owner Occupied Housing



Of the total number of “White” households at the time of the 2000 U.S. Census, 68% are homeowners and 32% are renters. In comparison, of all “Black and African American” households, 34.6% are homeowners and 65.4% are renters. The Census Bureau also estimates household tenure by race as part of the 2006-2008 American Community Survey. The Census Bureau estimates that the City has experienced a further decrease in homeownership city-wide: for White only households, approximately 65% are estimated to be homeowners, and 35% are estimated to be renters; of households that are Black or African American alone, approximately 31% are estimated to be homeowners and an estimated 69% are renters. While the 2006-2008 American Community Survey, the U.S. Census Bureau estimates that the number of renter-occupied households is increasing and the number of owner-occupied households is decreasing on a citywide level, the disaggregated data by race shows slightly different trends. It is estimated that there has been a decrease in both the number of White householders who are homeowners and renters. The Census Bureau estimates an increase in Black or African American households who are renters and homeowners. HUD Assisted Housing

Low Income Housing Tax Credit (LIHTC) projects and other HUD assisted housing developments are located, for the most part, in the areas of the City with the highest renter-occupied housing – the areas nearest to the downtown area. Section 8 Voucher use is distributed throughout the middle section of the City in areas of both renter and owner occupied housing units. The areas of greatest Section 8 Voucher usage are not areas of the lowest income or greatest minority concentration. While many of the HUD Assisted and LIHTC developments are located in low- and moderate-income areas of the City, or areas of high minority concentration, it is important to note that the most recent developments have been built outside of these areas of concentration. Maps highlighting the LIHTC locations, HUD Assisted Housing locations, and Section 8 Voucher use across the City can be found in Appendix B. The McKeesport Housing Authority has continued to pursue additional LIHTC funds, but their recent applications have not been selected for funding. Families In 2000, families comprised 61.9% of households in the City; 28.6% of which included children less than 18 years of age. At the time of the 2006-2008 American Community Survey, it was estimate that the number of percentage of families decreased to 52.1% of all households in the City, with 26.4% having children under the age of eighteen. Twenty-one percent (21.0%) of families were female-headed households at the time of the 2000 U.S. Census. Chart II-3 illustrates characteristics of the 1,762 female-headed households in McKeesport at the time of the 2000 U.S. Census.



Chart II-3 – Female-Headed Households

Of the female-headed households in the City of McKeesport at the time of the 2000 U.S. Census, approximately one third (37%) have related children under the age of 18. The 2006-2008 American Community Survey estimates that the portion of households that are female-headed households increased to 39.8% since the 2000 Census. Of these households, an estimated 47.2% have children under the age of 18 years old. The increase of female-headed households, particularly those with children under the age of 18, is a noteworthy trend. Social service and housing agencies should pay close attention to this trend and prepare to provide the necessary services. The McKeesport Housing Authority, recognizing the increasing number of families with children living in poverty, has increased the construction of housing for families. Currently, approximately two-thirds of their housing stock is for eligible families.



C. Income and Poverty:

The 2000 Census reported that the per capita income in the City was $13,242 in 1999. The median household income for the City of McKeesport was $23,715, compared to $38,329 for Allegheny County, and $40,106 for the Commonwealth of Pennsylvania. Table II-4 highlights an overview of household income in 1999.

Table II-4 – Household Income in 1999

Items Number of

Households Percentage

Total Households 9,634 -

Less than $10,000 1,921 19.9%

$10,000 to $14,999 966 10.0%

$15,000 to $24,999 2,151 22.3%

$25,000 to $34,999 1,401 14.5%

$35,000 to $49,999 1,396 14.5%

$50,000 to $74,999 1,218 12.6%

$75,000 to $99,999 413 4.3%

$100,000 to $149,999 114 1.2%

$150,000 to $199,999 39 0.4%

$200,000 or more 15 0.2%

Median Household Income $23,715


According to the 2006-2008 American Community Survey, the Median Household Income in 2008 dollars increased to $25,005, meaning that 50% of households earn less than $25,005 each year. Allegheny County and the Commonwealth of Pennsylvania saw greater increases in Median Household Income to $47,851 and $50,272 respectively.

Table II-5 below identifies the Section 8 Income Limits in the Pittsburgh, PA HUD Metro Fair Market Rent Area based on household size for FY 2010.



Table II-5 – Section 8 Income Limits for 2010

Income Category

1 Person

2 Persons

3 Persons

4 Persons

5 Persons

6 Persons

7 Persons

8 Persons

Extremely Low (30%) Income Limits

$13,250 $15,150 $17,050 $18,900 $20,450 $21,950 $23,450 $24,950

Very Low (50%) Income Limits

$22,050 $25,200 $28,350 $31,500 $34,050 $36,550 $39,100 $41,600

Low (80%) Income Limits

$35,300 $40,350 $45,400 $50,400 $54,450 $58,500 $62,500 $66,550

Data obtained from www.hud.gov

Note: The Median Family Household Income for a family of 4 living in the Pittsburgh HUD Metro Fair Market Rent Area is $63,000, compared to a median income of $25,005 for the City of McKeesport. This difference in median income of $38,000 highlights the stark income disparities that exist between the City of McKeesport and Allegheny County and the great need for assistance in the City.

Table II-6 below highlights the current low- and moderate-income population in the City of McKeesport. The block groups that have a population of more than 51% low- and moderate-income are indicated in bold.

Table II-6 – Low- and Moderate-Income Population in 2010

TRACT BLKGRP POP100 HU100 LOWMOD LOWMODUNIV LOWMODPCT

550900 1 1,044 494 639 928 68.9%

550900 2 1,586 704 929 1,437 64.6%

551200 1 1,668 772 1,456 1,605 90.7%

551200 2 1,336 598 624 1,245 50.1%

551200 3 1,390 655 768 1,380 55.7%

551300 1 1,158 485 675 1,084 62.3%

551300 2 1,625 728 565 1,576 35.9%

551900 1 846 377 523 832 62.9%

551900 2 943 569 610 670 91.0%

552000 1 724 331 562 777 72.3%

552000 2 776 354 395 795 49.7%

552000 3 618 270 343 625 54.9%

552000 4 933 394 373 855 43.6%

552100 1 776 388 535 584 91.6%

552100 2 813 251 377 520 72.5%



552200 1 1,435 693 879 1,332 66.0%

552300 1 1,021 489 664 1,068 62.2%

552300 2 564 297 436 568 76.8%

552300 3 779 331 441 789 55.9%

552300 4 713 336 564 745 75.7%

552400 1 723 331 324 692 46.8%

552400 2 1,050 506 487 1021 47.7%

552400 3 1,519 771 755 1,577 47.9% City of McKeesport

Total: 24,040 11,124 13,924 22,705 61.3%

Source: hud.gov

Approximately sixty-one percent (61.3%) of residents of the City of McKeesport are considered low- to moderate-income. The low- and moderate-income map for the City McKeesport is included in Appendix B. The areas of the City with the lowest income are those in the center of the City and along the rivers.

The City’s poverty statistics for families with children are significant. At the time of the 2000 U.S. Census, the percentage of some families with children living below the poverty level was as outlined in Table II-7 below.

Table II-7 – Percentage of Families with Children Living Below the Poverty Level

2000 U.S. Census

2006-2008 American Community Survey

Families with Related Children Under the Age of 18

29.6% 40.3%

Families with Related Children Under the Age of 5

35.4% 40.4%

Female-headed Households with Related Children Under the Age of 18

48.9% 47.2%

Female-headed Households with Related Children Under the Age of 5

53.5% 51.1%

Source: 2000 U.S. Census Data It is important to note that while the American Community Survey only presents an estimate, it is expected that the percentage of families with children living under the poverty level has increased since the previous Census.



D. Employment:

In 2000, 52.3% of the City’s residents 16 years of age and over were considered a part of the labor force. The 2006-2008 American Community Survey estimates that approximately 51.2% of the population is currently in the labor force. Chart II-4 and Chart II-5 below illustrate the classes of workers and the occupations. Most workers in McKeesport hold service, management, and sales positions.

Chart II-4 – McKeesport Occupations


Chart II-5 – Class of Workers in McKeesport




Chart II-6 illustrates the unemployment rate trends for the City of McKeesport from January 2000 through May 2010 from the Bureau of Labor (www.bls.gov).

Chart II-6 – City of McKeesport Unemployment Rate

Source: http://data.bls.gov

The City of McKeesport has experienced a fluctuating unemployment rate, but the overall trend is an increasing unemployment rate since early 2008. In August 2010, the City of McKeesport’s unemployment rate of 12.2% exceeded that of Allegheny County (8.1%), the Commonwealth of Pennsylvania (9.2%), and the national average (9.6%). The high unemployment rate in the City of McKeesport suggests that there is a lack of jobs to support the City’s population. The City of McKeesport has experienced company closings over the past few years that have likely contributed to the City’s high unemployment rate. Most recently, Dish Network closed its McKeesport facility in March 2010, effectively eliminating 600 jobs in the City. Additionally, in the previous spring, Precoat Metals eliminated 180 jobs. City officials reached out to Dish Network and Precoat Metals to offer assistance in an effort to encourage these companies to remain in the City. At that time, the City was informed that the decision to close these locations came from corporate headquarters and could not be changed. To date, the City and County have been unsuccessful in recruiting new large employers to the City to replace these lost jobs. The City continues to recruit small businesses.



E. Housing Profile:

Based on the 2000 Census Data, the City of McKeesport’s housing stock can be considered “older” since 49.2%, or almost fifty percent of it was constructed prior to 1939 and another 33.6% was constructed between 1940 and 1959. Therefore, over three quarters of the City’s housing stock (82.8%) was built prior to 1960 which is now 50 years ago.

Chart II-7 illustrates the year that housing structures were built in the City of McKeesport based on the 2000 U.S. Census Data.

Chart II-7 – Year Structure Built


In 2000, the City’s housing stock primarily consisted of single-family detached (67.8/%) and single-family attached (4.0%). In 2000, multi-family units in the City of McKeesport consisted of two units (7.7%), three to four units (5.4%), five to nine units (4.6%), ten to nineteen units (4.3%) and twenty units or more (6.0%). Mobile homes made up 0.2% of the housing stock. The median value of owner-occupied homes in the City of McKeesport in 2000 was $37,800 compared to $84,200 for Allegheny County and $97,000 for the Commonwealth of Pennsylvania. The 2006-2008 American Community Survey estimates that the median value of owner-occupied homes in the City of McKeesport has increased to approximately $46,000 (122% of median value in 2000), as compared to $112,800 (134% of median value in 2000) in Allegheny County and $155,400 (160% of median value in 2000) in the Commonwealth of Pennsylvania.

The Pittsburgh Metro Area has seen an overall decrease in the number of housing starts over the last seven (7) years. Table II-8 outlines the number of new construction projects annually in the Pittsburgh Metro Area from 2003 through 2009. In 2006, the area saw an increase in the construction of multi-family units as well as residential buildings containing five or more units.



Table II-8 – Annual Housing Starts

in the Pittsburgh Metro Area

Total

Single Family

Multi-Family

5+ Units

2003 6,513 5,292 1,221 754

2004 6,856 5,548 1,308 872

2005 5,601 4,672 929 623

2006 5,633 4,367 1,266 1,025

2007 4,680 3,844 836 551

2008 3,774 3,383 391 280

2009 3,033 2,681 352 231 Source: http://socds.huduser.org/permits/summary.odb

From 2006-2010, there were 102 residential building permits issued in the City of McKeesport.



F. Financing:

Owner Costs

The median mortgage expense in the City of McKeesport for 2000 was $682. Table II-9 illustrates mortgage status and selected monthly owner costs. Almost half (49.4%) of all owner-occupied houses in McKeesport do not have mortgages. This could be a result of an aging population that has completely paid their mortgages. The chart below outlines the monthly owner costs of owner-occupied housing units in the City of McKeesport at the time of the 2000 U.S. Census.

Table II-9 – Mortgage Status and Selected Monthly Owner Costs

Monthly Owner Cost Number of

Housing Units Percentage

Houses with a mortgage 2,740 50.6%

Less than $300 36 0.7%

$300 to $499 508 9.4%

$500 to $699 905 16.7%

$700 to $999 882 16.3%

$1,000 to $1,499 347 6.4%

$1,500 to $1,999 37 0.7%

$2,000 or more 25 0.5%

Median $682 ---

Houses without a mortgage 2,677 49.4%

Median $288 --- Source: 2000 U.S. Census Data

Monthly housing costs of 23.9% of all owner-occupied households exceeded 30% of their monthly income in 2000, indicating a relatively high percentage of owners whose housing is not considered affordable. The 2006-2008 American Community Survey estimates that this value has increased to approximately 30.3% of all owner-occupied households whose housing costs exceed 30% of their monthly income. Table II-10 illustrates housing costs for owner-households.

Table II-10 – Selected Monthly Owner Costs as a Percentage of Household Income (1999)

Owner Costs as a % of Income

Number of Housing Units

Percentage

Less than 15 percent 2173 40.1%

15 to 19 percent 887 16.4%

20 to 24 percent 540 10.0%

25 to 29 percent 447 8.3%

30 to 34 percent 253 4.7%



35 percent or more 1041 19.2%

Not computed 76 1.4%


As of November 2010, RealtyTrac indicated that the City of McKeesport experienced the greatest decrease in home sales prices over the previous two calendar quarters as compared to other communities in the area. McKeesport homes saw a 35.78% decrease in the average sales price of homes, bringing the average price down to $46,428.

Home Sales

In December 2010, the Pittsburgh Post-Gazette published an article titled “Buying Here: Duquesne.” This article included an overview of the home sales in Duquesne and ten other neighboring communities in 2009 and 2010. The Post-Gazette ran a similar article in March 2010 titled “Buying Here: McKeesport” that reviewed home sales data in 2008 and 2009. Table II-11 below includes the home sales data for these eleven communities from 2008 through 2010. This data was obtained from RealSTATs.

Table II-11 – Home Sales Data

Community 2008 2009 2010

Sales Median Price

Highest Price

Sales Median Price

Highest Price

Sales Median Price

Highest Price

Duquesne 106 $14,500 $85,000 86 $12,000 $85,500 57 $14,129 $68,000 East McKeesport

35 $35,900 $112,900 14 $73,500 $110,000 31 $31,000 $106,900

East Pittsburgh 43 $15,100 $80,000 30 $13,000 $138,085 24 $15,100 $87,000

McKeesport 339 $15,500 $158,000 284 $15,750 $199,000 236 $13,000 $190,000

North Versailles 126 $65,000 $190,000 110 $60,000 $252,000 124 $62,000 $239,000

Trafford 55 $123,500 $293,475 66 $121,900 $301,425 67 $90,000 $295,000

Turtle Creek 62 $26,500 $103,900 59 $24,900 $134,305 56 $16,500 $131,510

Versailles 14 $25,000 $85,000 13 $22,000 $117,500 26 $47,000 $109,000

Wall 5 $20,000 $56,000 10 $29,000 $69,000 12 $9,000 $60,000

White Oak 102 $89,700 $275,000 71 $78,000 $185,000 92 $86,000 $185,500

Wilmerding 19 $29,625 $79,000 22 $25,000 $86,900 22 $18,000 $89,900

Source: www.post-gazette.com

The home sales data for the City of McKeesport is shaded in light blue. Over the last three years, the City of McKeesport has seen a decline in the number of sales and an overall decline in the median sales price. In 2010, the only community in this grouping to have a lower median sales price than the City of McKeesport was the Borough of Wall.



Foreclosures

As part of the Neighborhood Stabilization Program (NSP) in 2008, HUD Risk Scores were developed using Average Median Income below 120%, change in average home sale price, vacancy rate, unemployment rate, population density, and a predicated foreclosure rate. Of the 130 cities, boroughs, and municipalities in Allegheny County, the City of McKeesport was one of eighteen (18) local jurisdictions that had a HUD Risk Score of 10, indicating the greatest risk of foreclosure. Table II-12 below highlights the HUD Risk Scores for each Census Tract and Block Group in the City of McKeesport.

Table II-12 – HUD Foreclosure Risk Score by Block Group Census Tract Block Group HUD Risk Score

5509 1 10 5509 2 10 5512 1 10 5512 2 10 5512 3 10 5513 1 9 5513 2 9 5519 1 10 5519 2 10 5520 1 10 5520 2 10 5520 3 10 5520 4 10 5521 1 10 5521 2 10 5522 1 10 5523 1 10 5523 2 10 5523 3 10 5523 4 10 5524 1 10 5524 2 10 5524 3 10

The map below highlights the areas of Allegheny County with the greatest risk of foreclosure and abandonment according to the HUD Risk Score. Communities like the City of McKeesport with the greatest risk of foreclosure are orange and red in color, and are predominately located in the southeastern portion of the County.



According to RealtyTrac, the City of McKeesport had 15 homes in foreclosure, a foreclosure rate of 1 in 825 housing units (or 0.12%) in October 2010. This foreclosure rate of 0.12% was the same as the rate in Allegheny County, and close to Pennsylvania’s rate of 0.11%. This foreclosure rate is below the national foreclosure rate of 0.26%. Chart II-8 below illustrates the foreclosures in the City of McKeesport since November 2009.



Chart II-8 – Number of Foreclosures

Source: www.realtytrac.com

When reporting foreclosure trends for McKeesport, PA, RealtyTrac includes surrounding zip codes 15131, 15133, and 15135. As a result, the chart above includes foreclosures for these additional zip codes, as well as the City. The McKeesport area had the greatest number of foreclosures in April 2010 when forty-eight (48) homes received foreclosure notices.

City staff interviewed for the Analysis of Impediments to Fair Housing Choice indicated that abandonment of houses is a notable problem in the City. The City is unable to accurately quantify the number of houses that have been abandoned in recent years. Renter Costs

The median monthly rent in 2000 was $383; and $522 during the 2006-2008 American Community Survey. Table II-13 illustrates rental rates within the City at the time of the 2000 U.S. Census and the 2006-2008 American Community Survey.

Table II-13 – Gross Monthly Rent


Rental Rates Number of



Percentage

Less than $200 789 20.4% 258 7.3%

$200 to $299 449 11.6% 455 12.8%

$300 to $499 1,300 33.7% 915 25.7%

$500 to $749 956 24.8% 1,018 28.6%

$750 to $999 134 3.5% 684 19.2%



$1,000 to $1,499 31 0.8% 228 6.4%

$1,500 or more 0 0.0% 0 0.0%

No cash rent 203 5.3% --- ---

Median $383 --- $522 --- Source: 2000 U.S. Census Data and 2006-2008 American Community Survey

The monthly housing costs for 38.4% of all renter-occupied households exceeded 30% of monthly income in 2000, indicating an even higher percentage of renters than owners whose housing is not considered affordable. The Census Bureau predicts that the percentage of households for which rent exceeds 30% of their income has grown to an estimated 55.3%. Table II-14 illustrates the housing cost for renter-households in 1999 and at the time of the 2006-2008 American Community Survey.

Table II-14 – Gross Rent as a Percentage of Household Income


Rental Cost as a % of Income


Percentage Number of


Less than 15 percent

653 16.9% 338 9.7%

15 to 19 percent 481 12.5% 357 10.3%

20 to 24 percent 420 10.9% 416 12.0%

25 to 29 percent 477 12.4% 440 12.7%

30 to 34 percent 355 9.2% 279 8.0%

35 percent or more 1128 29.2% 1640 47.3%

Not computed 348 9.0% 328 ---

Source: 2000 U.S. Census Data and 2006-2008 American Community Survey

The table above shows an increase of 18% from the 2000 Census to the 2006-2008 American Community Survey in the number of households spending 35% or more of their income on rent.

The 2010 Fair Market Rents for the Pittsburgh, PA HUD Metro Fair Market Rent Area are shown in Table II-15 below.

Table II-15 – Final FY 2010 FMRs by Unit Bedrooms

Efficiency One-

Bedroom Two-

Bedroom Three-

Bedroom Four-

Bedroom

Final FY2010 FMR

$556 $610 $730 $907 $980

Source: www.hud.gov



G. Household Types:

Based on the HUD – Comprehensive Housing Affordability Strategy (CHAS) data in Appendix C, the following statistics were found based on Low/Mod Income (LMI) housing types:

Total number of renter households with incomes less than 30% of median family income is 1,579.

- 28.9% are elderly (1 & 2 persons), 457 households

- 32.6% are small families (2 to 4 persons), 515 households

- 7.9% are large families (5 or more persons), 124 households

- 30.6% are other renter households, 483 households

Total number of renter households with incomes greater than 30% but less than 50% of median family income is 721.





Total number of renter households with incomes greater than 50% but less than 80% of median family income is 814.





Total number of owner households with incomes less than 30% of median family income is 600.




- 25.7% are other owner households, 154 households

Total number of owner households with incomes greater than 30% but less than 50% of median family income is 916.







Total number of owner households with incomes greater than 50% but less than 80% of median family income is 1,412.





Note: Small families comprise a large portion of both owner and renter households, while elderly households make up the greatest portion of owner-occupied households. The elderly and the small families seem to have the greatest need of financial support for housing in the City of McKeesport.



H. Cost Overburden:

Based on the HUD – Comprehensive Housing Affordability Strategy (CHAS) data found in Appendix C the following statistics were identified for Low/Mod Income (LMI) households that are cost overburdened:

Total percentage of all renter households with incomes less than 30% of median family income that are cost overburdened by greater than 30% of income is 59.6%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category.

- 57.8% of elderly (1 & 2 persons), 264 households

- 65.0% of small families (2 to 4 persons), 335 households

- 87.9% of large families (5 or more persons), 109 households

- 48.2% of other renter households, 233 households

Total percentage of all renter households with incomes less than 30% of median family income that are cost overburdened by greater than 50% of income is 40.5%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category.





Total percentage of all renter households with incomes greater than 30% but less than 50% of median family income that are cost overburdened by greater than 30% is 46.0%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category.





Total percentage of all renter households with incomes greater than 30% but less than 50% of median family income that are cost overburdened by greater than 50% is 9.6%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category.







Total percentage of all owner households with incomes less than 30% of median family income that are cost overburdened by greater than 30% of income is 70.8%. Below is the percentage of owner households in each household type category that are cost overburdened in this income category.



- 100% of large families (5 or more persons), 29 households

- 70.8% of other owner households, 109 households

Total percentage of all owner households with incomes less than 30% of median family income that are cost overburdened by greater than 50% of income is 55.3%. Below is the percentage of owner households in each household type category that are cost overburdened.





Total percentage of all owner households with incomes greater than 30% but less than or equal to 50% of median family income that are cost overburdened by greater than 30% is 39.0%. Below is the percentage of owner households in each household type category that are cost overburdened.





Total percentage of all owner households with incomes greater than 30% but less than or equal to 50% of median family income that are cost overburdened by greater than 50% of income is 13.5%. Below is the percentage of owner households in each household type category that are cost overburdened.







Note: Almost sixty percent (59.6%) of rental households with income less than 30% of median family income are cost overburdened by more than 30% of their income. This indicates a need for financial assistance for low-income rental units.

Similarly, over seventy percent (70.8%) of homeowners with a household income that is less than 30% of median family income are cost overburdened by more than 30% of their income. In this same income category, 55.3% of homeowners are cost overburdened by more than 50%. Elderly households, and large and small families, both owners and renters, are the most cost-overburdened households.



I. Housing Problems: Based on the HUD – Comprehensive Housing Affordability Strategy (CHAS) data found in Appendix C, the following statistics were based on Low/Mod Income (LMI) housing types:

Total percentage of renter households with incomes less than 30% of median family income that have a housing problem is 60.5%. Below is the percentage of renter households in each household type category that have a housing problem in this income category.





Total percentage of renter households with incomes greater than 30% but less than 50% of median family income that have a housing problem is 50.1%. Below is the percentage of renter households in each household type category that have a housing problem in this income category.





Total percentage of renter households with incomes greater than 50% but less than 80% of median family income that have a housing problem is 16.5%. Below is the percentage of renter households in each household type category that have a housing problem in this income category.





Total percentage of owner households with incomes less than 30% of median family income that have a housing problem is 70.8%. Below is the percentage of owner households in each household type category that have a housing problem in this income category.







Total percentage of owner households with incomes greater than 30% but less than 50% of median family income that have a housing problem is 39.0%. Below is the percentage of owner households in each household type category that have a housing problem in this income category.





Total percentage of owner households with incomes greater than 50% but less than 80% of median family income that have a housing problem is 27.8%. Below is the percentage of owner households in each household type category that have a housing problem in this income category.




- 48.8% of other owner households, 100 households Note: Both renter and owner households with income less than 50% of median family income have high instances of housing problems (50.1% to 60.5% of renters, 39.0% to 70.8% of owners). Owner households with income less than 30% of median family income show the greatest instances of housing problems. Small and large families, as well as “other” households, seem to show the greatest rates of housing problems, but all household categories demonstrate a need for housing financial support. The website www.dataplace.org provides an overview of data for communities across the country. Table II-16 below highlights important data to further illustrate the problem housing in the City of McKeesport.

Table II-16 – Housing Hardship

Categories of Housing Hardships PercentagePercentage of Households with income 0-80% of area median with housing cost burden 41.4% Percentage of Households with income 0-80% of area median with severe housing cost burden

20.4%

Percentage housing units that are overcrowded 2.5% Percentage housing units without complete kitchen facilities 1.1% Percentage occupied housing units without complete plumbing facilities 0.6%

Source: www.dataplace.org



J. Disabled Households: Table II-17 includes the 2000 Census Data that shows the number of disabled individuals in the City of McKeesport. The total population five (5) years and over is 21,561 and the disabled population is 5,635, or 26.1%. This is an indicator of the need for housing for the disabled which are mainly low- and moderate-income, and do not have housing resources that are accessible and/or affordable.

Table II-17 – Disability Status for McKeesport, PA

Disability Status of the Civilian Non-institutional Population

Total Male Female

Population 5 years and over 21,561 9,909 11,652 With a disability 5,635 2,497 3,138

Percent with a disability 26.1 25.2 26.9

Population 5 to 15 years 3,724 1,996 1,728 With a disability 366 237 129

Percent with a disability 9.8 11.9 7.5 Sensory 24 13 11 Physical 65 30 35 Mental 309 232 77 Self-care 93 46 47

Population 16 to 64 years 13,516 6,249 7,267 With a disability 3,240 1,541 1,699

Percent with a disability 24 24.7 23.4 Sensory 492 236 256 Physical 1,341 663 678 Mental 934 406 528 Self-care 505 218 287 Going outside the home 1,228 525 703 Employment disability 1,966 951 1,015

Population 65 years and over 4,321 1,664 2,657 With a disability 2,029 719 1,310

Percent with a disability 47 43.2 49.3 Sensory 678 277 401 Physical 1,466 488 978 Mental 401 140 261 Self-care 416 129 287 Going outside the home 1,007 307 700

Population 18 to 34 years 4,420 1,950 2,470 With a disability 702 373 329

Percent enrolled in college or graduate school 6.1 5.1 7.3 Percent not enrolled and with a bachelor's degree or higher 11.3 12.6 9.7

No disability 3,718 1,577 2,141 Percent enrolled in college or graduate school 15.7 14.5 16.6 Percent not enrolled and with a bachelor's degree or higher 8.7 7 9.9

Population 21 to 64 years 11,922 5,423 6,499 With a disability 2,996 1,393 1,603

Percent employed 43.8 48.5 39.7



No disability 8,926 4,030 4,896 Percent employed 69 74.6 64.5

Source: 2000 U.S. Census Data Of the population age 65 and older, 47% have a disability, with women having a higher rate of disabilities than men (49.3% and 43.2% respectively). Educational rates for individuals with disabilities ages 18 to 34 years old are lower than for individuals who are not disabled in this same age category. Of disabled individuals ages 18 to 34, 6.1% are enrolled in college or graduate school, and 11.3% have at least a bachelor’s degree but are not currently enrolled. In this same age range, 15.7% of individuals who are not disabled are enrolled in college or graduate school, and 8.7% have at least a bachelor’s degree but are not enrolled in school. The disparities between individuals who “are” and “are not” disabled can be seen in the employment statistics. Less than half (43.8%) of disabled persons ages 21 to 64 years old are employed, whereas 69.0% of non-disabled persons ages 21 to 64 are employed.



III. Review/Update to Original Plan The previous “Analysis of Impediments to Fair Housing Choice” was prepared in May 2005. The following paragraphs restate each identified impediment within that document and summarize the progress made on each.

A. Summary of Impediments – May 2005:

Impediment 1 – There is a concentration of low-income households and large numbers of persons in the protected classes (particularly minorities and female headed households) which lack affordable housing that is decent, safe, and sound which has an impact on the community and makes this a fair housing concern.

Strategy: Develop a Neighborhood Revitalization Strategy Area Plan for a target neighborhood and concentrate financial resources to prevent and eliminate slums and blight conditions, assemble sites for new housing development, rehabilitate existing housing stock, increase code enforcement, crime prevention, and upgrade community facilities and infrastructure in the area. Status: The Neighborhood Revitalization Strategy Area (NRSA) was completed in May 2006. Through the NRSA, the City of McKeesport was able to make significant improvements to the target area through the construction of affordable homes, reducing blight, and repaving streets. Specifically, the City of McKeesport constructed 10 homes with the assistance of PHFA on the Reservoir Site. Upon completion, these homes were made available to low- and moderate-income households. Twenty (20) affordable housing units were also constructed as part of the St. Mary’s development. Additionally, within the NRSA target area, several streets were reconstructed in eligible census tracts.

Impediment 2 – There is a lack of housing choice that is accessible to the physically disabled. There is an increasing number of persons who are disabled who are on fixed incomes, especially the elderly, who cannot afford to make accommodations to their residences.

Strategy 1: Make accommodations to existing housing stock and provide accessible housing units in new affordable housing developments. Strategy 2: Increase the number of accessible units in public housing, especially the elderly units.



Status: Blueroof Technology constructed new elderly and disabled housing units. Three (3) of these houses were private, and several more were for the Housing Authority. These homes include the Mon Yough Group Home and St. Mary’s. All in all, thirty-nine (39) housing units (or 4.3%) operated by the McKeesport Housing Authority are handicap accessible. An additional twenty-nine (29) units still require modification to become handicap accessible. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #3, Housing Accessibility.

Impediment 3 – The McKeesport Zoning Ordinance is outdated and needs to be revised in accordance with the Fair Housing Act amendments. Strategy: Revise the City’s Zoning Ordinance, update definitions; reference Fair Housing Act, Americans with Disabilities Act and other Federal and State laws; evaluate the types of permitted uses in residential zoning districts; etc.

Status: The City of McKeesport is beginning the process of reviewing its Zoning Ordinance in order to indentify and update the outdated definitions, references, and permitted uses in residential districts. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #4, Public Policies.

Impediment 4 – The McKeesport Human Relations Commission has been reactivated; however, there is a lack of awareness of the HRC, fair housing regulations, protected class rights, etc. Strategy: The McKeesport Human Relations Commission must be a known organization in the City through education and promotional activities. The Citizens need to be made aware of the Fair Housing Act and their rights.

Status: The McKeesport Human Relations Commission is comprised of five (5) community members having knowledge and expertise in fair housing issues. The City’s CDBG Coordinator is also actively involved in the Commission and has designed and printed a Fair Housing business card for the Commission members to distribute at relevant events and meetings. The CDBG Coordinator is also designing a brochure to



increase awareness of fair housing regulations and educate the public on the rights of protected classes. The McKeesport Human Relations Commission meets on an as-needed basis to address fair housing issues as they arise. The McKeesport Human Relations Commission (MHRC) has sponsored several presentations over the last several years to educate the Commission itself and the community practitioners on the Fair Housing Act and the rights of renters and borrowers. Specifically, the PA HRC presented to the MHRC in August 2006. The MHRC met with local banks on November 16, 2006. The Fair Housing Partnership of Pittsburgh met with the MHRC on August 9, 2006 and July 19, 2007. On January 18, 2007, MHRC met with local Realtors to discuss fair housing issues. On May 30, 2007, MHRC, the McKeesport Housing Authority, and the Fair Housing Partnership of Pittsburgh met. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement.

Impediment 5 – There is a lack of housing counseling programs for low-income households to utilize in their efforts to become homeowners. There is a need to improve potential homebuyer credit history. Strategy: Assist low-income households to take advantage of housing counseling programs, credit counseling programs, and increase programs for homebuyers to include post-purchase counseling, maintenance, and home repairs.

Status: McKeesport Neighborhood Initiative, Inc. (MNI) is the primary social service agency offering housing counseling to low-income households. Many of these households have been successful in become homeowners. Dollar Bank reaches out to low-income households to provide housing counseling services as well. The services provided at Dollar Bank target low-income households who have poor or no credit, poor financial management and saving skills, and are unsure of the homebuying process. Dollar Bank teaching lifelong saving skills, develop an action plan to eliminate bad credit, offer an 8 hour homeownership course, and post-purchase counseling. Bank representatives also engage in community workshops at community group meetings, churches, and workplaces to reach out to individuals in need of assistance. Regionally, Dollar Bank estimates that approximately 400-600 households enroll in the



program each year, and an estimated 80-100 households purchase their first home.

The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement.

Impediment 6 – Even though there does not appear to be any widespread violation to the Fair Housing Act, the City of McKeesport needs to openly affirm its commitment to furthering fair housing in the City. Strategy: City to annually proclaim Fair Housing Month, prepare brochures and press releases, host a fair housing seminar to promote public awareness.

Status: Each year, the City of McKeesport proclaims April to be Fair Housing Month in an effort to raise awareness of Fair Housing issues. In an effort to increase awareness of fair housing issues, the City’s CDBG Coordinator is currently designing a brochure and has already created a business card to distribute.

The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement.



IV. Impediments to Fair Housing 2010 In order to determine if impediments to fair housing choice exist, interviews and meetings were conducted, surveys were distributed, and an analysis of the fair housing complaints in McKeesport was undertaken.

A. Fair Housing Complaints:

1. Human Relations Commission of the City of McKeesport

The McKeesport Human Relations Commission (MHRC) is comprised of five (5) City residents who have knowledge and expertise in areas related to equal opportunity and affirmative action.

The McKeesport Human Relations Commission meets on an as-needed basis to address fair housing concerns and issues within the City of McKeesport. The City’s Community Development staff designed a business card to help raise awareness of the resources available to support fair housing pracitices within the City of McKeesport. The Human Relations

Commission of the City of McKeesport does not conduct fair housing discrimination testing. All fair housing complaints are referred to the Pennsylvania Human Relations Commission for investigation.

The capacity of the McKeesport Human Relations Commission is limited. The MHRC does not have a dedicated staff person to effectively conduct fair housing education and outreach within the community. The MRHC also does not do any fair housing testing or monitoring.

2. Allegheny County Human Relations Commission

The Allegheny County Human Relations Commission was created in July 2009. The Commission is comprised of seven (7) members, appointed by the County Executive and approved by County Council. The Commission meets monthly and will investigate complaints of fair housing and employment discrimination. The mission of the Human Relations Commission is to promote education and equal opportunity within the County. 3. Pennsylvania Human Relations Commission The Pennsylvania Human Relations Commission (PHRC) enforces Pennsylvania’s anti-discrimination laws and promotes equal opportunity in education, employment, housing and commercial property, and public accommodation.

City of McKeesportHuman Relations Commission

500 Fifth AvenueMcKeesport, PA 15132

(412) 675-5020 x603 (Voice)

Allegheny CountyHuman Relations Commission542 Forbes Avenue, Room 102

Pittsburgh, PA 15219(412) 350-6830 x603 (Voice)



The mission statement of the PHRC is as follows: The Pennsylvania Human Relations Commission is to administer and enforce the Pennsylvania Human Relations Act and the Pennsylvania Fair Educational Opportunities Act through investigation, identification and elimination of unlawful discrimination and the promotion of equal opportunity for all persons. The PHRC staffs a main office in Harrisburg as well as regional offices in Harrisburg, Philadelphia, and Pittsburgh. In addition to its staff members, the PHRC has eleven (11) Commissioners appointed by the Governor and confirmed by the Senate. Additionally, the PHRC has Advisory Councils in seven (7) counties, including Allegheny County, located around the state to serve as liaisons in local communities. The PHRC publishes an annual summary of docketed cases filed during the State’s fiscal year (July 1st – June 30th). Table IV-1 below illustrates the complaint trends for the Pittsburgh Regional Office from 2004 to 2009.

Table IV-1 – PHRC Pittsburgh Regional Office Housing Complaints

Protected Class Number of Complaints

2004-2005 2005-2006 2006-2007 2007-2008 2008-2009

Age 1 5 5 0 3

Ancestry 4 1 0 0 0

Color -- 0 -- 0 1 Disability – Has a Disability

30 46 38 35 31

Regarded as Having a Disability

0 0 2 -- 1

Has a Record of Disability

2 -- -- 1 --

Is Related to Someone Who Has a Disability

0 4 0 2 3

Related to Someone with a Record of a Disability

-- -- -- -- 0

Familial Status 13 10 9 2 6

Multiple Class 0 -- 0 1 0

National Origin 1 4 4 3 0

Race 63 96 87 29 36

Religious Creed 1 4 1 2 1

Retaliation 11 10 13 9 10

Sex 13 11 32 8 16 Use of Guide/Support Animal

0 1 -- -- 1

Total 139 192 191 92 109

PennsylvaniaHuman Relations Commission

Pittsburgh Regional Office 301 Fifth Avenue

Suite 390, Piatt PlacePittsburgh, PA 15222

(412) 565-5395 (Voice) (412) 565-5711 (TTY)



Disability and Race are consistently the most common causes of fair housing complaints made to the Pittsburgh Regional Office. The Pittsburgh Office saw a sharp decline in the total number of complaints between the 2006-2007 year and the 2007-2008 year. Despite this drop in the total number of complaints, the number of complaints related to disability remained fairly constant. In the 2008-2009 year, a total of one hundred twenty-nine (129) cases were closed. Three (3) were settled after probably cause finding, thirty-five (35) were settled prior to probable cause finding, twelve (12) were administrative closures, and seventy-nine (79) were closed with no probable cause finding.

During the 2008-2009 fiscal year, the Pennsylvania Human Relations Commission reported forty-four (44) housing complaints in Allegheny County. None of these complaints originated in the City of McKeesport.

4. Fair Housing & Equal Opportunity (HUD)

The U.S. Department of Housing and Urban Development’s (HUD) Office of Fair Housing & Equal Opportunity (FHEO) receives complaints regarding alleged violations of the Fair Housing Act. From January 1, 2005 to August 9, 2010, three hundred and seventeen (317) fair housing complaints originated in Allegheny County, eleven (11) of which originated within the City of McKeesport.

The complaints received for the City of McKeesport and Allegheny County are disaggregated in Table IV-2 below to illustrate the most common basis for complaints. In the City of McKeesport, race was the most common basis for complaints between January 1, 2005 and August 9, 2010, and disability and sex were the second most common cause for complaint. The Pittsburgh Regional Office of the Pennsylvania Human Relations Commission also noted that disability and race were the most common causes for complaints. Compared to Allegheny County, the City of McKeesport appears to have a disproportionately higher rate of complaints based on race and sex. Race and disability are the most common bases for complaints in Allegheny County. It is important to note that some complaints had multiple bases.

Table IV-2 – Basis for Complaint

City of McKeesport Allegheny County

Basis Number Percentage Number PercentageRace 7 63.6% 130 41.0%

Disability 4 36.4% 131 41.3%

Sex 4 36.4% 50 15.8%

Family Status 1 9.1% 42 13.2%

National Origin 0 0.0% 3 0.9%

Other Origin 0 0.0% 15 4.7%

Philadelphia HUD Field OfficeThe Wanamaker Building

100 Penn Square EastPhiladelphia, PA 19107-3380

(215) 861-7620 (Voice)



Color 0 0.0% 16 5.0%

Harassment 0 0.0% 10 3.2%

Religion 0 0.0% 7 2.2%

Retaliation 0 0.0% 28 8.8%

Age 0 0.0% 1 0.3%

Not Reported 0 0.0% 4 1.3%

Two (2) of the eleven (11) cases in the City of McKeesport do not have close dates listed, whereas the remaining nine (9) have been closed. Seven (7) of cases were closed by no cause determination, while one (1) case did have a cause determination.

Table IV-3 “HUD-FHEO Complaints” summarizes all of the complaints filed with the Office of Fair Housing & Equal Opportunity between January 1, 2005 and August 9, 2010 in the City of McKeesport. For the last reporting period of January 1, 2010 through August 9, 2010 there was one (1) Fair Housing Complaint received by HUD-FHEO for the City of McKeesport.



Table IV-3 HUD-FHEO Complaints in the City of McKeesport HUD File Number

HUD Date Filed

Issue Code Description Basis City How Closed Date Closed Cause Date

030503318 2/18/2005

382 Discrimination in terms/conditions/ privileges relating to rental

Race McKeesport

Complaint withdrawn by complaintant without resolution

5/10/2005 380 Discriminatory terms, conditions, privileges, or services and facilities

030506258 7/5/2005 380 Discriminatory terms, conditions, privileges, or services and facilities

Race, Sex

McKeesport No cause determination


Race McKeesport No cause determination

030506408 7/18/2005

430 Otherwise deny or make housing available

Disability McKeesport FHAP judicial consent order

6/7/2006 11/14/2005 510 Failure to make reasonable accommodation

030600178 10/14/2005 382 Discrimination in terms/conditions/privileges relating to rental

Race McKeesport No cause determination

8/15/2006

030704008 6/12/2007

380 Discriminatory terms, conditions, privileges, or services and facilities Race,

Sex McKeesport

No cause determination

6/30/2007



Disability McKeesport No cause determination

4/30/2008



030800738 11/1/2007

320 Discriminatory advertising, statements and notices

Race, Disability

McKeesport Complaintant failed to cooperate

11/3/2008

380 Discriminatory terms, conditions, privileges, or services and facilities


510 Failure to make reasonable accommodation

030800748 11/1/2007

320 Discriminatory advertising, statements and notices

Sex, Disability,

Family Status

McKeesport No cause determination

2/22/2010

380 Discriminatory terms, conditions, privileges, or services and facilities


510 Failure to make reasonable accommodation

030803878 5/5/2008

382 Discrimination in terms/conditions/ privileges relating to rental Race McKeesport

No cause determination

6/4/2009 310 Discriminatory refusal to rent

031001758 1/26/2010 382 Discrimination in terms/conditions/ privileges relating to rental

Sex McKeesport Conciliation/ settlement successful

3/29/2010

Source: U.S. Dept. of HUD-FHEO, Philadelphia Regional Office



5. Housing and Human Services Agencies The City of McKeesport interviewed agencies offering housing and human services within the City in order to obtain their input and gain insight into potential impediments to fair housing. The following agencies were engaged in roundtable discussions, individual meetings, or through surveys:

Allegheny County Department of Human Services

City of McKeesport Housing Authority

Fair Housing Partnership of Greater Pittsburgh

First Step Recovery Homes, Inc.

Howard Hanna Wilson Baum

McKeesport Development Corporation

McKeesport Housing Corporation

McKeesport Neighborhood Initiative, Inc. (MNI)

Pittsburgh Commission on Human Relations

Realtors Association of Metropolitan Pittsburgh

Resource Center/Bridge To Recovery

Salvation Army

William C. Kortz, State Representative

Womansplace

YMCA of McKeesport Each of these agencies provided feedback on their perception of housing-related issues in the City of McKeesport. A summary of their input is below. Complete meeting notes can be found in Part VI, Appendix D.

Lack of job opportunities that pay a family supporting wage.

Many rental properties in the City are in poor condition. Some groups perceived this as being because of absentee landlords, while others saw code enforcement as the primary issue.

The City has seen a recent influx of transient residents.

The City has an aging population and does not have the housing stock to meet the needs of the elderly.

There is a large tract of vacant land that has been cleared by a developer. Continuing this development project could be beneficial to the City.



Property taxes are relatively expensive, and real estate taxes and fees are often perceived as being cost prohibitive to developments.

McKeesport has a very high unemployment rate.

Public transportation is an issue. Most households do not have access to cars, yet the Port Authority of Allegheny County is threatening to reduce and/or eliminate service to the City. This would prevent City residents from access to jobs or services outside of the City.

There is a perceived shortage of housing options for single mothers.

City residents would benefit from additional credit counseling.

Overcrowding is becoming an issue.

The economy is perceived to be a greater barrier to affordable housing than social issues and discrimination.

There is a perceived shortage of quality affordable housing for low- and moderate-income individuals and families.

There is a perceived shortage of housing for the disabled, particularly accessible Section 8 units. The older housing stock in the City often makes upgrading the units to accommodate the disabled difficult.

There is a perceived lack of understanding of Fair Housing and land-use regulations in the community.

People with criminal records, previous drug charges, poor credit histories, or owing back rent often have difficulty finding affordable housing.

There is a shortage of Federal and state funding for shelters and supportive services for the homeless population.

The City has a large number of sub-standard housing units.

Non-profit organizations developing housing in the City would benefit from additional funding.

Disability is the most common cause for fair housing complaints in the City of McKeesport and the Pittsburgh region.

The concentration of minorities continues to be a problem in the City.

Lending discrimination by race is a problem in the Pittsburgh area.

Requests for reasonable accommodation and reasonable modifications are perceived to have a relatively low acceptance rate.

Many residents are unaware of their rights for reasonable accommodation and modifications.



B. Public Sector:

Part of the Analysis of Impediments is to examine the public policies of the jurisdiction and the impact on fair housing choice. The local government controls land use and development through the comprehensive plan, zoning regulations, subdivision regulations, and other laws and ordinances passed by the local governing body. These regulations and ordinances govern the types of housing that may be constructed, the density of housing, and the various residential uses in a community. Local officials determine the community’s commitment to housing goals and objectives. The local policies therefore determine if fair housing is to be promoted or passively tolerated. This section of the Analysis of Impediments evaluates the City’s policies to determine if there is a commitment to affirmatively further fair housing.

1. CDBG Program

The City of McKeesport receives CDBG funds from HUD as an entitlement city under the program. The City annually receives approximately $1,300,000 in CDBG funds. The City allocates its funds to public facility improvements, public services, senior services, youth services, and housing activities. Of the CDBG funds, 80% directly benefit low- and moderate-income persons and all of the CDBG funds allocated to public services directly benefit low- and moderate-income persons.

In particular, the City in its FY 2010 CDBG Program allocated the CDBG funds as follows in Table IV-4:

Table IV-4 – Partial FY 2010 CDBG Allocation

Priority Activity Amount

Public Facilities and Improvements

Fire Department Equipment Purchase $82,000

Street Reconstruction - City-wide $177,680

Accessibility Improvements - Handicap Ramps $35,000

10th Ward Ramps $33,000

Public Services

Beat Patrol/Community Policing $120,000

Boys and Girls Club - After School Program $10,000

Economic Development

Renaissance 2005 Bond Repayment $350,000

McKeesport Development Corporation (MDC) - Small Business Loans $10,000

Housing

Neighborhood Preservation Team $215,000

Demolition - City-wide $10,000

Housing Activities - MNI & MHC $29,000

Rodent Control/Wildlife Pest Control $10,000

Program Income

McKeesport Housing Corporation (MHC) $66,000

McKeesport Development Corporation (MDC) $12,000



All activities listed above will occur in low/mod areas of the city which have a high priority of the City. Additionally, each activity meets the National Objectives of serving a low/mod area, low/mod people, job creation, or reducing slum/blight. Activities shaded in gray serve to reduce barriers to affordable housing within the City. Additional information on these activities shaded in gray can be found in the City’s FY 2010 Annual Action Plan. In its FY 2010-2014 Five Year Consolidated Plan, the City of McKeesport identified the following goals to prioritize funding needs during this five year period, as outlined below. Housing

Increase homeownership opportunities in the City Support housing rehabilitation programs for LMI homeowners Provide targeted code enforcement, including rodent/wildlife control Support emergency repair assistance for LMI homeowners Provide affordable rental assistance for LMI families and seniors

Infrastructure

Accessibility improvements Street reconstruction Sidewalk, curb, and gutter improvements Demolition of dilapidated, abandoned buildings Sewer and storm water management improvements Traffic flow improvements

Economic Development

Support local businesses by providing workplace development and job training services, business development assistance, and loan programs to benefit both small businesses and low-income residents and employers

Provide rehabilitation assistance programs (through grants and loans) for existing businesses to make necessary repairs and façade improvements

Targeted demolition and rehabilitation to remove blight along commercial corridors of the City

Redevelopment and reuse of underutilized lots Public Facilities and Services

Supportive services for low-income residents Improve youth centers, including recreational facilities and programs Improvements to the City’s parks and recreation programs and facilities Improve services to seniors, including recreational, educational, and social

services Support the transportation link between residents, services, and employment



Support various social service agencies that provide shelter and services to area homeless and those at risk of becoming homeless

Provide affordable housing education and increase informational referral services on choices and resources

Promote fair housing

2. Other Funds

In addition to the CDBG funds, the City of McKeesport received the following federal, state, and county allocations for FY 2010:

HOME Investment Partnership Program ....................................... $300,000

Allegheny County Regional Asset District ..................................... $653,000

Federal and State Highway Commissions .................................. $3,000,000

Homelessness Prevention and Rapid Re-housing (HPRP) ........... $500,957

Neighborhood Stabilization Program (NSP) ..................................... $60,000

CDBG-R (HUD) ............................................................................ $327,572

PA Weed & Seed ............................................................................ $100,000

JAG ............................................................................................... $225,000

FEMA ............................................................................................ $108,000

Early Intervention Program ............................................................... $58,000

McKeesport Housing Authority Capital Funds ............................... $1,200,000

The City of McKeesport is a member of the Allegheny County HOME Consortium. As a member, the City receives approximately 6.7% of the HOME funds for program activities, and 6.7% of the total HOME administrative budget to administer the funds. These additional Federal funds, particularly HOME, HPRP, NSP, and CDBG-R, will be used to affirmatively further fair housing. More information on how these funds will be used can be found in the FY 2010 Annual Action Plan or by contacting the City.

3. Low Income Housing Tax Credits The Low Income Housing Tax Credit (LIHTC) Program was created under the Tax Reform Act of 1986 and is intended to attract private investment to develop affordable rental housing for low- and moderate-income households.



There are currently no known projects, proposed projects, or planned projects in the City of McKeesport that will be using LIHTC funds. The McKeesport Housing Authority has unsuccessfully applied for LIHTC funds during the past two funding rounds. Feedback on the denied applications indicates that increased market appeal and economic development would strengthen their future applications. PHFA has suggested to the McKeesport Housing Authority the construction of the flyover ramp will encourage development on the previous mill site, and will strengthen future LIHTC applications. The City is supportive of the use of LIHTC projects to provide affordable housing to low-income households, and has six previously developed LIHTC projects, between 1987 and 2009, totaling 60 low-income housing units. A full-sized map of the Low Income Housing Tax Credit projects in the City of McKeesport can be found in Appendix B. Table IV-5 provides a list of LIHTC projects which were built in the City of McKeesport from 1987 through 2009.

Table IV-5 – Low-Income Housing Tax Credit Projects

HUD ID Number

Project Name

Project Address

Project City Project State

Project ZIP

Code

Metropolitan Area Code

Total Number of Units

Total Low-Income Units

PAA1988385 814 Huey

Street 814 Huey

Street McKeesport PA 15132 6280 2 2

PAA1989115 1819 Union

Street 1819 Union

Avenue McKeesport PA 15132 6280 2 2

PAA1989285 402 27th

Street 402 27th


PAA1991270 701 Coursin

Street 701 Coursin


PAA1995005 1812

Grandview Avenue

1812 Grandview

Avenue McKeesport PA 15132 6280 2 2

Source: http://lihtc.huduser.org/ and http://www.phfa.org

4. Planning, Zoning, and Building Codes In its 2005 Analysis of Impediments to Fair Housing Choice, the City of McKeesport identified impediments to Fair Housing that directly related to the City’s planning, zoning, and building codes. At that time, the City’s Zoning Ordinance was determined to be outdated and needed to be revised in accordance with the Fair Housing Act and amendments. A review of the Zoning Ordinance at the time of the 2005 Analysis of Impediments to Fair Housing Choice revealed that the five (5) residential districts were reasonable and should not be considered an impediment to fair housing. On the other hand, the definitions of “Family” and along with the requirements for group homes and group living arrangements may be considered restrictive.



The Zoning Ordinance will be reviewed and will be revised as necessary, as outlined in the City’s strategies and goals to affirmatively further Fair Housing Choice. The Zoning Ordinance was most recently passed in its entirety by the City in 1996. The most recent modification to the Zoning Ordinance was in 2003 when the R-5 residential district was modified to include single family residential dwellings as a conditional use on the zone. The City follows the UCC, or Uniform Construction Code. The City does not follow the plumbing and administration sections of the UCC, however, as these codes are defined by Allegheny County. The UCC is updated every three years. The most recent update was in 2009. 5. Taxes

Real estate property taxes also impact housing affordability. This may not be an impediment to fair housing choice but it does impact the affordability of housing. The general residential real estate tax receipts in the City of McKeesport are divided among Allegheny County, the City of McKeesport, and the McKeesport School District. The 2010 millage rates in the City of McKeesport are outlined below.

Allegheny County ........................................ 4.69 mills

City of McKeesport (Building) ....................... 4.26 mills

City of McKeesport (Land). .......................... 16.50 mills

McKeesport School District .......................... 16.71 mills

The median value of the taxable residential properties within the City of McKeesport is $24,700 (Source: Allegheny County).

Table IV-6 illustrates the taxes assessed for property valued at $100,000 and also at the City’s median value of $24,700. The City of McKeesport has provided calculations for property taxes assuming that the building comprises 95% of the total value and land is valued at the remaining 5%.

Table IV-6 – Property Taxes

Taxes for Property Assessed at $100,000 in the City of McKeesport

Allegheny County $ 469.00

City of McKeesport (Building) $ 404.70

City of McKeesport (Land) $ 82.50

McKeesport School District $ 1,671.00

Total Taxes $ 2,627.20



Taxes for Property Assessed at $24,700 in the City of McKeesport

Allegheny County $ 115.84

City of McKeesport (Building) $ 99.96

City of McKeesport (Land) $ 20.38

McKeesport School District $ 412.74

Total Taxes $ 648.92

6. Public Policies In 2008, Allegheny County created a Visitability Tax Credit worth up to $2,500 over five (5) years. This tax credit program is designed to encourage “visitable” design aspects to be incorporated into the renovation and construction of homes. Visitable elements that would qualify a renovated or newly constructed home for this tax credit include one no-step entrance, hallways on the floor with the no-step entrance must be at least thirty-six (36) inches wide, a bathroom on the main floor that can be used by a person in a wheelchair, light switches on the main floor mounted forty-two inches from the floor, and lever-type door handles. In 2009, Allegheny County passed an ordinance to create the Allegheny County Human Relations Commission. This Commission was established to promote equality in housing and employment throughout the County. At the same time that the Human Relations Commission was established, the County also passed a non-bias ordinance that prohibits the discrimination against people because of their sexual orientation or gender identity. The Commonwealth of Pennsylvania has passed a law prohibiting discrimination based on age. The City of McKeesport falls under the Commonwealth’s jurisdiction, so housing discrimination based on age in the City is not permitted. 7. Public Housing The McKeesport Housing Authority presently administers 440 Section 8 Housing Choice Vouchers. As of October 2010, 246 families are on the Section 8 Voucher waiting list, and the waiting list is still open. The McKeesport Housing Authority also owns and operates 1,021 public housing units in the City that include senior communities, handicapped accessible housing, and neighborhood sites consisting of townhomes and single family homes. The vacancy rate for these public housing units is less than 2%. As of October 2010, the McKeesport Housing Authority had 60 families on the waiting list for public housing units, and the



waiting list remained open. Appendix B includes a map highlighting the locations of HUD assisted housing units and the Block Groups where Section 8 Vouchers are most commonly used. The City of McKeesport works closely with the McKeesport Housing Authority to meet the needs of City residents. Table IV-7 below outlines the total number of public housing units available in the City of McKeesport, and how many are currently accessible. The McKeesport Housing Authority recognizes the need for additional accessible units, and plans to convert additional units over the next several years. The number of units expected to be converted are also outlined in the table below.

Table IV-7 – Public Housing Developments

Public Housing Developments Number of

Units Accessible

Units Additional

Accessible Units

Crawford Village Rowhouses 424 10 23

Harrison Village Rowhouses 107 8 2

Isbir Manor 73 4 3

Steelview Manor 88 3 4

McKeesport Towers 200 14 0

1835 Beech Street & St. Mary's 21 3 1 The City of McKeesport also has a number of HUD assisted housing developments to serve low-income, disabled, and elderly households. Table IV-8 below outlines the existing HUD assisted developments in the City.

Table IV-8 – HUD Assisted Housing

Development Name Development Type

Grandview Apartments Section 202 - Elderly Housing

Fifth Avenue Commons Section 202 - Elderly Housing

White Street Apartments Section 811 - Disabled Housing

Versailles Archer Apartments Section 202 and Section 811 - Elderly and Disabled Housing

Hi View Gardens HUD Assisted

Midtown Plaza Apartments HUD Assisted

Bailie Avenue Apartments HUD Assisted

McKeesport Center HUD Assisted

Versailles Apartments HUD Assisted

YMCA HUD Assisted/ SRO/ Housing Authority The majority of McKeesport’s HUD assisted developments are located in areas of high minority and renter-occupied concentration. The City is working to deconcentrate the location of HUD assisted housing by building new developments in areas that have



lower minority populations. On the maps below, public housing and LIHTC developments are shown by orange dots. While many of the HUD assisted units appear to be located in areas of minority concentration, these developments were build many years ago and today are largely populated by minorities. These maps also illustrate which block groups have the largest concentration of Section 8 Vouchers are used. The block groups with the most voucher use are those in the center of the City. These block groups seem to be relatively balanced in their composition. They are not areas of racial concentration, nor are they areas of renter- or owner-occupied housing.

Locations of HUD Assisted Housing and Section 8 Vouchers % White Population % Minority Population

Owner-Occupied Housing Renter-Occupied Housing



Full sized maps can be found in Appendix B. Table IV-9 below presents data on multi-family and Section 8 assisted housing facilities in the City of McKeesport. Twenty-seven percent (27%) of the assisted units have contracts set to expire by 2013.

Table IV-9 – Multi-family and Section 8 Project Based Assisted Housing Facilities

Multi-family assisted units with active contracts status 355

Percentage of Multi-family assisted units with contracts expiring in 2004 0.0%





Percentage of Multi-family assisted units with contracts expiring in 2009-2013 10.7%

Percentage of Multi-family assisted units with contracts expiring in 2014 or later 73.0%


In addition to making accessible and affordable housing available to low-income residents of the City of McKeesport, the McKeesport Housing Authority also makes available a homeownership program to assist persons looking to take advantage of homeownership opportunities. Since the program began, eight (8) Section 8 Voucher holders have successfully moved from the Section 8 Voucher program to become homeowners. 8. Fair Housing Partnership of Greater Pittsburgh As a HUD-certified Fair Housing Initiatives Program (FHIP), The Fair Housing Partnership of Greater Pittsburgh (FHP) receives Federal funding each year to provide advocacy, education, outreach, testing, and complaint referrals to Allegheny County and several surrounding communities. Other services that FHP makes available to individuals include rental counseling, pre-purchase counseling, mortgage delinquency counseling, mobility counseling for Section 8 Voucher holders, and community workshops. FHP also assists individuals who feel that they have been discriminated against in their search for housing by completing investigations and assisting the individual with filing complaints or requests for reasonable accommodations or modifications. Additionally, FHP assists communities to increase their capacity to address fair housing issues by contracting with them to carryout fair housing testing and provide training sessions to educate landlords and residents on fair housing practices.



C. Private Sector:

The private sector has traditionally been the greatest impediment to fair housing choice in regard to discrimination in the sale, rental or advertising of dwellings, the provision of brokerage services, or in the availability of financing for real estate purchases. The Fair Housing Act prohibits such practices as the failure to give the same terms, privileges, or information; charging different fees; steering prospective buyers or renters toward a certain area or neighborhood; or using advertising that discourages prospective buyers or renters because of race, color, religion, sex, handicap, familial status or national origin.

1. Real Estate Practices

The Realtors Association of Metropolitan Pittsburgh (RAMP) is the local organization of real estate brokers operating in the Greater Pittsburgh area, including the City of McKeesport. The Realtors Association of Metropolitan Pittsburgh has an open membership policy and does not discriminate. Members are bound by the Code of Ethics of the National Association of Realtors (NAR). This Code of Ethics obligates its members to maintain professional standards including efforts to affirmatively furthering fair housing. RAMP has several committees, one of which is the “Equal Opportunity/Cultural Diversity Committee.” The primary responsibility of this committee is to promote equal opportunity and cultural diversity by providing program and services to RAMP members as they work to protect the rights of persons covered under the Fair Housing Act, the Civil Rights Act, and ADA laws.

Through the Realtors Association of Metropolitan Pittsburgh, new agents are required to take fourteen (14) hours of continuing education during their first two years of membership. Between two (2) and three (3) hours directly address Fair Housing. The Realtors Association of Metropolitan Pittsburgh offers continuing education courses on a variety of topics including a 3.5 hour course on Fair Housing as well as Diversity Training several times each year to ensure that its members are up to date on policies, practices, and procedures. Including all pre-license and post-license education, RAMP estimates that the average agent is exposed to approximately 6-8 hours of continuing education that directly or indirectly relates to Fair Housing. RAMP has the necessary policies in place to handle fair housing discrimination complaints.

2. Newspaper Advertising

Under Federal Law, no advertising with respect to the sale or rental of a dwelling unit may indicate any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin. Under the Fair Housing Act Amendments, descriptions are listed in regard to the use of words, photographs, symbols or other approaches that are considered discriminatory.



Real estate advertisements were reviewed for several real estate publications, including the Homes Guide by Realtors and Apartments for Rent. Both of these publications contained HUD’s publisher’s notice indicating that all advertisements were subject to the Federal Fair Housing Act and that all advertised housing is available on an equal opportunity basis. The real estate and lender’s advertisements in each of these publications include the equal housing opportunity logo on each page. None of the advertisements contained language that prohibited occupancy by any group.

3. Private Financing

The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (F.I.R.R.E.A.) requires any commercial institution that makes five (5) or more home mortgage loans, to report all home loan activity to the Federal Reserve Bank under the Home Mortgage Disclosure Act (HMDA). The annual HMDA data can be found online at www.ffiec.gov/hmda/ and is included in the Appendix B of this Analysis of Impediments. The following tables provide an analysis of the HMDA data. Data for the City of McKeesport and Allegheny County is highlighted where possible. All other data is that of the entire Pittsburgh Metropolitan Statistical Area (MSA).

Table IV-10 below compares lending in the City of McKeesport to Allegheny County and the Greater Pittsburgh Metro Area in which McKeesport is located. Lending in the City of McKeesport comprised only a small portion of the lending in Allegheny County and the metro area in 2009.

Table IV-10 – HMDA Data Analysis for 2009

Home Purchase Loans

FHA, FSA/RHS &

VA Conventional Refinancing

Home Improvement

Loans

# Amount # Amount # Amount # Amount

McKeesport 29 $1,718 2 $84 54 $2,975 0 $0 Allegheny County

3,675 $446,987 2,990 $411,688 6,706 $1,000,233 126 $14,279

MSA/MD 6,106 $758,177 4,876 $661,817 12,574 $1,897,969 236 $24,210% of county lending in McKeesport

0.79% 0.38% 0.07% 0.02% 0.81% 0.30% 0.00% 0.00%

% of metro area lending in Allegheny County

60.19% 58.96% 61.32% 62.21% 53.33% 52.70% 53.39% 58.98%

% of metro area lending in McKeesport

0.47% 0.23% 0.04% 0.01% 0.43% 0.16% 0.00% 0.00%

*Note: Amounts in thousands.

Table IV-11 shows the conventional loan applications in the City of McKeesport. Over half (52.38%) of the loan applications in the City were approved.



Table IV-11 – Disposition of Conventional Loans

City of McKeesport

Count

% of McKeesport Applications

% of Total MSA Applications

Loans Originated 11 52.4% 0.10%

Applications Denied 2 9.5% 0.24%

Applications Withdrawn

5 23.8% 0.34%

Approved, Not Accepted

2 9.5% 0.18%

File Closed for Incompleteness

1 4.8% 0.52%

Table IV-12 outlines the disposition of conventional loans in the Pittsburgh MSA by income level. Loan applications from low-income households have the highest denial rates, and upper-income households have the highest origination rates.

Table IV-12 – Disposition of Conventional Loans by Income Level

Applications

Received Loans Originated

Applications Approved, Not

Accepted

Applications Denied

Applications Withdrawn or

Closed for Incompleteness

Income Level

Count % of Total

Count

% of Total

Income Level

Count

% of Total

Income Level

Count

% of Total

Income Level

Count

% of Total

Income Level

Low 1,433 9.6% 883 61.6% 69 4.8% 354 24.7% 127 8.9%

Moderate 2,760 18.4% 2,056 74.5% 153 5.5% 314 11.4% 237 8.6%

Middle 3,408 22.7% 2,607 76.5% 195 5.7% 312 9.2% 294 8.6%

Upper 7,044 47.0% 5,605 79.6% 390 5.5% 458 6.5% 591 8.4%

Income Not Available

353 2.4% 239 67.7% 18 5.1% 46 13.0% 50 14.2%

Total 14,998 -- 11,390 -- 825 -- 1,484 -- 1,299 --

Tables IV-13, IV-14, and IV-15 show the dispositions of conventional loans disaggregated by minority status and income level for the Pittsburgh MSA. The number of applications for conventional loans submitted by White, Non-Hispanic applicants significantly outnumbers Minority applicants in each income level analyzed. In each income category, the percentage of loans originated by White households exceeds the percentage of loans originated by Minority households, based on the number of applicants in each minority status category. Conversely, Minority applicants experience a higher rate of denial than White, Non-Hispanic applicants at each income level. In fact, the denial rates for minorities who are moderate- or middle-income are almost doubled those of white applicants in those same income categories. Also noteworthy is the portion of applications that are approved but not accepted. This occurs at a higher



rate for minorities than for white applicants who are low- or middle-income, but at a higher rate for white applicants who are moderate-income.

Table IV-13 – Conventional Loan Disposition Rates by Minority Status, Low Income

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White, Non-Hispanic

1,226 92.7% 789 64.4% 280 22.8% 57 4.6% 82 18

Minority, Including Hispanic

96 7.3% 43 44.8% 33 34.4% 7 7.3% 11 2

Total 1,322 -- 832 -- 313 -- 64 -- 93 20

The number of white, non-Hispanic low-income applicants significantly outnumbers the number of minority applicants. Minority applicants also have a higher rate of denial than white applicants.

Table IV-14 – Conventional Loan Disposition Rates by Minority Status, Moderate Income

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White, Non-Hispanic

2,375 93.6% 1,810 76.2% 245 10.3% 123 5.2% 169 28


162 6.4% 103 63.6% 32 19.8% 8 4.9% 17 2

Total 2,537 -- 1,913 -- 277 -- 131 -- 186 30

The number of white, non-Hispanic moderate-income applicants significantly outnumbers the number of minority applicants. The denial rate of minority applicants is almost double that of white applicants.



Table IV-15 – Conventional Loan Disposition Rates by Minority Status, Middle Income M

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White, Non-Hispanic

2,926 94.5% 2,308 78.9% 239 8.2% 149 5.1% 207 23


171 5.5% 109 63.7% 28 16.4% 15 8.8% 15 4

Total 3,097 -- 2,417 -- 267 -- 164 -- 222 27

The number of white, non-Hispanic moderate-income applicants significantly outnumbers the number of minority applicants. The denial rate of minority applicants is more than twice that of white applicants. Table IV-16 offers a closer look at the denial rates of conventional loans by denial reason and income level. Not surprisingly, for low-, moderate-, and middle-income applicants, the most common denial reasons include debt-to-income ratio and credit history. The most common denial reasons for upper-income applicants include collateral and credit history. Overall, the most common reason for denial is credit history. Debt-to-income ratio and collateral are the second most common reasons for the denial of conventional loans in the Pittsburgh MSA.

Table IV-16 – Conventional Loan Denial Rates by Denial Reason and Income Level

Low Income

Moderate Income

Middle Income Upper Income Income Not Available

Total Denials

Count

% of Income Level

Count % of

Income Level

Count % of

Income Level

Count % of

Income Level

Count % of

Income Level

Count % of Total

Debt to Income Ratio

105 29.4% 71 21.4% 68 21.3% 76 15.2% 13 23.6% 333 21.3%

Employment History

15 4.2% 11 3.3% 11 3.5% 6 1.2% 3 5.5% 46 2.9%

Credit History 125 35.0% 128 38.6% 81 25.4% 100 20.0% 14 25.5% 448 28.7%

Collateral 45 12.6% 46 13.9% 79 24.8% 156 31.3% 5 9.1% 331 21.2%

Insufficient Cash

13 3.6% 19 5.7% 13 4.1% 19 3.8% 0 0.0% 64 4.1%

Unverifiable Information

7 2.0% 8 2.4% 8 2.5% 16 3.2% 5 9.1% 44 2.8%

Credit Application Incomplete

11 3.1% 10 3.0% 15 4.7% 34 6.8% 2 3.6% 72 4.6%

Mortgage Insurance Denied

6 1.78% 5 1.5% 7 2.2% 7 1.4% 0 0.0% 25 1.6%

Other 30 8.4% 34 10.2% 37 11.6% 85 17.0% 13 23.6% 199 12.7%

Total Denials/ % of Total

357 22.9% 332 21.3% 319 20.4% 499 32.0% 55 3.5% 1,562 --



An additional analysis of loans granted by race in McKeesport, Pennsylvania, and across the country is beneficial to further illustrate the financial trends in the City of McKeesport. The following tables present data gathered from www.dataplace.org. Table IV-17 presents loans for the purchase of single-family homes by race. The City of McKeesport has a high proportion of home loans made to black and other minority households relative to Pennsylvania and, in some instances, the United States.

Table IV-17 – Home Purchase Loans by Race

Loans by Race City of

McKeesport Allegheny

County Pennsylvania

United States

Percentage of owner-occupied home purchase loans to Whites (2007)

81.3% 90.0% 84.1% 72.7%

Percentage of owner-occupied home purchase loans to Blacks (2007)

17.3% 4.5% 5.9% 7.9%

Percentage of owner-occupied home purchase loans to Asian/Pacific Islanders (2007)

0% 2.9% 3.6% 5.2%

Percentage of owner-occupied home purchase loans to Native Americans (2007)

0% 0.1% 0.1% 0.3%

Percentage of owner-occupied home purchase loans to Hispanics (2007)

1.3% 0.8% 4.5% 10.8%

Percentage of owner-occupied home purchase loans to mixed race pairs (2007)

0% 1.6% 1.7% 2.9%

Percentage of owner-occupied home purchase loans to minorities (2007)

18.7% 10.0% 15.9% 27.3%

Percentage of owner-occupied home purchase loans made to multiracial applicants (2007)

0.0% 0.2% 0.1% 0.2%


Table IV-18 highlights home loans made in McKeesport, Pennsylvania, and the United States. The Median income in McKeesport is significantly lower than the rest of the Commonwealth and Country. As a result, there is a significantly higher portion of very low- and low-income loans made in the City of McKeesport than in Allegheny County, Pennsylvania, or nationally.



Table IV-18 – Home Purchase Loans by Income

Income City of


County Pennsylvania

United States

Median borrower income for owner-occupied purchase 1 to 4 family (2007)

$37,000 $64,000 $66,000 $74,000

Median income of purchase borrowers (1 to 4 families)/median owner income (2007)

0.96 1.07 1.11 1.13

Percentage of owner-occupied home purchase loans to very low-income borrowers (2007)

31.8% 22.8% 8.4% 5.7%

Percentage of owner-occupied home purchase loans to low-income borrowers (2007)

38.8% 24.9% 23.1% 19.2%

Percentage of owner-occupied home purchase loans to middle-income borrowers (2007)

24.7% 45.3% 26.7% 25.8%

Percentage of owner-occupied home purchase loans to high-income borrowers (2007)

4.7% 7.0% 41.8% 49.3%


Table IV-19 considers the percentage of conventional and refinancing mortgages made by subprime lenders. The prevalence of these loans in the City of McKeesport in 2005 (the most recent data available) significantly exceeds the rates for the County, the rest of the Commonwealth, and the nation.

Table IV-19 – Loans from Subprime Lenders by Purpose and Loan Type

Type City of


County Pennsylvania

United States

Percentage of conventional home purchase mortgage loans by subprime lenders (2005)

22.3% 9.7% 9.8% 17.7%

Percentage of conventional refinancing mortgage loans by subprime lenders (2005)

33.6% 20.3% 18.1% 20.4%


In February 2011, Lending Patterns released a study that analyzed national HMDA data from 2004-2009. The study found that discriminatory lending practices are still occurring across the nation, despite the creation of organizations such as Fannie Mae



and Freddie Mac, and the implementation of the Community Reinvestment Act. Specifically, this study found that it is more difficult for an African American and Latino household to secure financing to purchase a home. Additionally, lending is also limited in census tracts that have relatively high foreclosure activity. Furthermore, African American and Latino homeowners are disproportionately affected by foreclosures. The implications of these findings indicate that minority populations and neighborhoods will be disproportionately affected over the long run as they struggle to recover from the immediate financial ramifications of a foreclosure, as well as the longer-term impacts to the neighborhood. These trends are nationwide. The Fair Housing Partnership of Greater Pittsburgh also completed a study of lending practices in the Pittsburgh area. FHP managed testing of mortgage lenders between April 2007 and April 2008. Their findings indicate that disparities in lending by race exist in the Pittsburgh area.



D. Citizen Participation: The City of McKeesport’s 2010 Update to its Analysis of Impediments to Fair Housing Choice was available for public comment on the City’s website (www.mckeesport.org) and at the City’s Department of Community Development Office, located at 500 Fifth Avenue. The document was available for ten (10) days beginning on February 9, 2011. Citizens wishing to provide feedback on the Analysis of Impediments were encouraged to submit their comments in writing to the City’s Department of Community Development by February 18, 2011.

E. Potential Impediments and Recommendations: The following impediments to fair housing choice and recommendations are presented to assist the City of McKeesport to affirmatively further fair housing in the community. The previously identified impediments to fair housing choice were discussed in Section III and progress was reported for each impediment. New and carried over impediments to Fair Housing Choice are presented in chart format on the pages that follow.

Impediment to Be Addressed Goal Strategies to Meet the GoalResponsible Entities

Assigned to Meet StrategiesBenchmark

Proposed Five Year Investment

Year to Be Completed

City of McKeesport Fund one activity/initiative each year $500 2014Financial Institutions Support education and outreach annually Other Funds 2014

City of McKeesport Evaluate and restructure the MHRC as necessary.

$0 2011

McKeesport Human Relations Commission

Self‐evaluation of the role of the MHRC $0 2011

City of McKeesport Support a program $0 2014

Fair Housing Partnership of Greater Pittsburgh, McKeesport Neighborhood Initiative and Dollar Bank

Provide housing counseling to 5 households per year

Other Funds 2014

City of McKeesport Support one program each year $0 2014Fair Housing Partnership of Greater Pittsburgh

Provide fair housing services $5,000 2014

1‐E: Include fair housing information and contacts on the City website. City of McKeesport Update the City's Website $2,500 2011

1‐F: Continue to raise awareness of fair housing through the creation of an educational brochure and proclaiming Fair Housing Month.

City of McKeesport Publish a brochure, proclaim annual Fair Housing Month

$1,000 2014

City of McKeesport (HOME Funds)

Fund one activity each year through HOME Funds

$150,000 2014

McKeesport Housing Corporation (CHDO Funds)

Develop 5 new single family houses and housing rehab for resale

$250,000 2014

McKeesport Housing Authority

Develop 5 scattered site housing units $250,000 2014

McKeesport Neighborhood Initiative

Develop new single family houses $50,000 2014


Provide financial incentives for housing development

$50,000 2014


Fund housing rehabilitation $250,000 2014


Support homeownership activities $50,000 2014


Develop new scattered site housing $100,000 2014


Assist McKeesport households through housing counseling

Other Funds 2014

Financial Institutions Provide housing counseling Other Funds 2014


Provide funds for homeowner rehabilitation $250,000 2014


Rehabilitate 5 houses per year $250,000 2014

3‐B: Increase the number of accessible public housing units, particularly for the elderly.


Provide 2 additional housing units each year $150,000 2014

1‐A: Fund and support public education, training, and programs concerning the rights and responsibilities covered by the Fair Housing Act.

1‐B: Evaluate the role of the McKeesport Human Relations Commission in developing, maintaining and supporting efficient and effective fair housing monitoring, education, and enforcement strategies.

1‐C: Support and promote the delivery of housing counseling programs and credit counseling for low‐income and minority households.

1‐D: Support and promote the delivery of fair housing services to at‐risk groups and victims of housing discrimination.

2‐B: Support opportunities and financial incentives to develop mixed‐income housing in areas with high concentration of low‐income and minority households.

2‐A: Increase the supply of affordable housing opportunities for low‐income and minority households outside of the areas of concentration.

2‐C: Increase homeownership opportunities for low‐income households by providing funds, or causing to provide, for housing counseling, credit counseling, and downpayment assistance.

IMPEDIMENT NO. 3 ‐ HOUSING ACCESSIBILITY – The supply of accessible, affordable housing that is decent, safe, and sound does not meet the demand, resulting in limited housing options for persons who are physically challenged.

3‐A: Provide financial and technical assistance for homeowners and landlords seeking to rehabilitate housing units to make accessibility improvements to their properties.

Increase awareness of tenant rights, landlord responsibilities, and work to eliminate any discriminatory practices in the sale or lease of houses through education, advocacy, monitoring, and enforcement, to provide fair housing opportunities to all individuals and families.

IMPEDIMENT NO. 1 ‐ FAIR HOUSING EDUCATION, ADVOCACY, MONITORING, AND ENFORCEMENT – There is a need for increased awareness of an individual’s rights under the Fair Housing Act and a need for continued monitoring and enforcement of the Fair Housing Act.

Promote new affordable housing choices outside areas of low‐income and minority concentration in order to lessen concentrations in impacted areas.

IMPEDIMENT NO. 2 ‐ CONCENTRATION OF LOW‐INCOME AND MINORITY GROUPS – There are concentrations of low‐income and minority households in certain areas of the City.

Increase the supply of decent, safe, and sound housing that is both affordable and accessible to low‐ and moderate‐income households who are physically challenged and/or the frail elderly.

** The Proposed Five Year Investments cannot be totalled across strategies, as some funds will be used to address multiple strategies and goals.

Impediment to Be Addressed Goal Strategies to Meet the GoalResponsible Entities

Assigned to Meet StrategiesBenchmark

Proposed Five Year Investment

Year to Be Completed

3‐C: Support applications from non‐profit agencies for Federal funds under the HUD Section 811 and 202 Supportive Housing Programs and State funds through PHFA to develop accessible, affordable housing for persons who are physically challenged and the elderly.

City of McKeesport Support at least one application for supportive housing and encourage housing agencies to submit applications for Federal and State funds

$0 2014

City of McKeesport Provide educational programs $1,000 (tied to the funds for Strategy

1F)

2014


Provide resident educational programs $10,000 2014

Fair Housing Partnership of Greater

Promote "reasonable accommodations" in rental housing

Other Funds 2014

4‐A: The City will review the City’s Zoning Ordinance and update restrictive definitions.

City of McKeesport Revise current zoning ordinance potentially by a private entity

$5,000 2012

4‐B: The City will ensure that the Zoning Ordinance is in accordance with, and makes reference to, the Fair Housing Act, the Americans with Disabilities Act, and other Federal and State laws.

City of McKeesport Revise current zoning ordinance potentially by a private entity

$5,000 2012

4‐C: Review the City’s Zoning Ordinance with regard to the location of shelters, supportive housing and transitional housing in various zoning districts, and make necessary updates.

City of McKeesport Monitor and track locations to ensure dispersal throughout the City

$2,500 2012

City of McKeesport Advocate for better bus service Staff Time 2013


Advocate for better bus service $0 2013



Continue funding for resident transportation

$0 2014

5‐C: Work with the Port Authority of Allegheny County to ensure that service routes meet the needs of McKeesport Residents.


6‐A: Support the flyover to the McKeesport Industrial Park. Allegheny County Match State funds for construction work $10,000,000 2014

6‐B: Promote entrepreneurship and small business development to provide economic opportunities to low‐income persons.

McKeesport Development Corporation

Funds for small business development loans $50,000 2014

6‐C: Support and enhance workforce development and job training to improve job skills for the unemployed and underemployed.

Pennsylvania Job Corps Provide funds for training programs $100,000 2014

Increase job opportunities to increase household income, allowing for more housing choices.

IMPEDIMENT NO. 6 ‐ ECONOMIC OPPORTUNITIES – There is a lack of economic opportunities and jobs in the City of McKeesport, making it difficult for low‐income households to maintain or improve their living conditions.

5‐A: Educate the community on how to provide feedback to the Port Authority of Allegheny County to ensure that the Port Authority is aware of the transportation needs in the City of McKeesport.

5‐B: Support transportation services such as ACCESS so that elderly community members may continue to have reliable transportation services.

3‐D: Support educational programs to inform the public of the need for accessible housing in the City.

IMPEDIMENT NO. 5 ‐ PUBLIC TRANSPORTATION – Public transportation within the City of McKeesport and between the City and other regional employment centers such as the City of Pittsburgh is limited and threatens additional service cuts.

To maintain current public transportation and advocate for increased service.

Update the City’s policies and procedures to comply with the Fair Housing Act.

IMPEDIMENT NO. 4 ‐ PUBLIC POLICIES – The City of McKeesport regulates land use through its Zoning Ordinance, Building Codes, and Code Enforcement program. Some of these policies are outdated and may be too restrictive as they are currently written.

** The Proposed Five Year Investments cannot be totalled across strategies, as some funds will be used to address multiple strategies and goals.



VI. Appendix

The following items are in the appendix:

Appendix A – Demographic Data

The 2000 Census Data for the City of McKeesport, Allegheny County, and Pennsylvania

Appendix B – Maps

Maps of the City of McKeesport Appendix C – Home Mortgage Disclosure Act Data

CRA Reports for May 24, 2010

Appendix D – HUD-CHAS Data

HUD-CHAS Data Tables for the City of McKeesport

Appendix E – Meeting Summaries

Summaries of meetings held with housing providers, city staff, social service agencies, the McKeesport Housing Authority, the Pittsburgh Commission on Human Relations, and the Fair Housing Partnership of Greater Pittsburgh are attached.



A. Appendix A – Demographic Data

Attached is the 2000 U.S. Census Data for the City of McKeesport, Allegheny County, and the Commonwealth of Pennsylvania.

Subject Number Percent Number Percent Number Percent

Total population 24,040 100 1,281,666 100 12,281,054 100

SEX AND AGE

Male 11,034 45.9 607,002 47.4 5,929,663 48.3

Female 13,006 54.1 674,664 52.6 6,351,391 51.7

Under 5 years 1,657 6.9% 71,081 5.5 727,804 5.9

5 to 9 years 1,717 7.1% 79,385 6.2 827,945 6.7

10 to 14 years 1,725 7.2% 82,688 6.5 863,849 7

15 to 19 years 1,571 6.5% 81,721 6.4 850,986 6.9

20 to 24 years 1,255 5.2% 75,792 5.9 746,086 6.1

25 to 34 years 2,687 11.2% 161,277 12.6 1,560,486 12.7

35 to 44 years 3,286 13.7% 201,974 15.8 1,948,076 15.9

45 to 54 years 3,092 12.9% 181,542 14.2 1,705,032 13.9

55 to 59 years 1,104 4.6% 63,512 5 619,969 5

60 to 64 years 923 3.8% 54,278 4.2 511,656 4.2

65 to 74 years 2,187 9.1% 112,549 8.8 969,272 7.9

75 to 84 years 2,035 8.5% 87,724 6.8 712,326 5.8

85 years and over 801 3.3% 28,143 2.2 237,567 1.9

Median age (years) 39.7 (X) 39.6 (X) 38 (X)

18 years and over 17 929 74 6 1 000 490 78 1 9 358 833 76 2

City of McKeesport Allegheny County Pennsylvania

18 years and over 17,929 74.6 1,000,490 78.1 9,358,833 76.2

Male 7,790 32.4 463,140 36.1 4,430,102 36.1

Female 10,139 42.2 537,350 41.9 4,928,731 40.1

21 years and over 17,103 71.1 950,171 74.1 8,842,276 72

62 years and over 5,594 23.3 260,451 20.3 2,219,927 18.1

65 years and over 5,023 20.9 228,416 17.8 1,919,165 15.6

Male 1,816 7.6 89,195 7 767,547 6.2

Female 3,207 13.3 139,221 10.9 1,151,618 9.4

RACE

One race 23,526 97.9 1,267,901 98.9 12,138,830 98.8

White 17,406 72.4 1,080,800 84.3 10,484,203 85.4

Black or African American 5,881 24.5 159,058 12.4 1,224,612 10

American Indian and Alaska Native 66 0.3 1,593 0.1 18,348 0.1

Asian 30 0.1 21,716 1.7 219,813 1.8

Asian Indian 4 0 7,487 0.6 57,241 0.5

Chinese 3 0 5,903 0.5 50,650 0.4

Filipino 10 0 1,189 0.1 14,506 0.1

Japanese 4 0 1,143 0.1 6,984 0.1

Korean 3 0 2,068 0.2 31,612 0.3

Vietnamese 0 0 1,638 0.1 30,037 0.2

Other Asian 1 6 0 2,288 0.2 28,783 0.2

General Characteristics, 2000 Census Data 1



Native Hawaiian and Other Pacific Islander 2 0 335 0 3,417 0

Native Hawaiian 1 0 88 0 897 0

Guamanian or Chamorro 0 0 59 0 646 0

Samoan 0 0 85 0 734 0

Other Pacific Islander 2 1 0 103 0 1,140 0

Some other race 141 0.6 4,399 0.3 188,437 1.5

Two or more races 514 2.1 13,765 1.1 142,224 1.2

Race alone or in combination with one or more other races 3

White 17,831 74.2 1,091,899 85.2 10,596,409 86.3

Black or African American 6,286 26.1 166,731 13 1,289,123 10.5

American Indian and Alaska Native 178 0.7 5,419 0.4 52,650 0.4

Asian 73 0.3 24,722 1.9 248,601 2

Native Hawaiian and Other Pacific Islander 4 0 758 0.1 8,790 0.1

Some other race 215 0.9 7,430 0.6 238,700 1.9

HISPANIC OR LATINO AND RACE


Hispanic or Latino (of any race) 361 1.5 11,166 0.9 394,088 3.2

Mexican 143 0.6 3,568 0.3 55,178 0.4

Puerto Rican 107 0.4 2,216 0.2 228,557 1.9

Cuban 10 0 622 0 10,363 0.1,

Other Hispanic or Latino 101 0.4 4,760 0.4 99,990 0.8

Not Hispanic or Latino 23,679 98.5 1,270,500 99.1 11,886,966 96.8

White alone 17,238 71.7 1,074,129 83.8 10,322,455 84.1

RELATIONSHIP


In households 22,715 94.5 1,241,049 96.8 11,847,753 96.5

Householder 9,655 40.2 537,150 41.9 4,777,003 38.9

Spouse 3,349 13.9 247,549 19.3 2,467,673 20.1

Child 7,283 30.3 354,174 27.6 3,555,036 28.9

Own child under 18 years 5,266 21.9 258,792 20.2 2,653,125 21.6

Other relatives 1,351 5.6 49,511 3.9 525,185 4.3

Under 18 years 573 2.4 17,593 1.4 201,853 1.6

Nonrelatives 1,077 4.5 52,665 4.1 522,856 4.3

Unmarried partner 594 2.5 23,371 1.8 237,622 1.9

In group quarters 1,325 5.5 40,617 3.2 433,301 3.5

Institutionalized population 794 3.3 18,451 1.4 213,790 1.7

Noninstitutionalized population 531 2.2 22,166 1.7 219,511 1.8

HOUSEHOLDS BY TYPE

Total households 9,655 100 537,150 100 4,777,003 100




Family households (families) 5,973 61.9 332,237 61.9 3,208,388 67.2

With own children under 18 years 2,759 28.6 141,634 26.4 1,430,808 30

Married-couple family 3,349 34.7 247,549 46.1 2,467,673 51.7

With own children under 18 years 1,246 12.9 99,770 18.6 1,043,071 21.8

Female householder, no husband present 2,119 21.9 66,541 12.4 554,693 11.6

With own children under 18 years 1,278 13.2 34,534 6.4 298,021 6.2

Nonfamily households 3,682 38.1 204,913 38.1 1,568,615 32.8

Householder living alone 3,277 33.9 175,738 32.7 1,320,941 27.7

Householder 65 years and over 1,519 15.7 70,829 13.2 555,374 11.6

Households with individuals under 18 years 3,099 32.1 153,174 28.5 1,559,281 32.6

Households with individuals 65 years and over 3,209 33.2 160,123 29.8 1,328,237 27.8

Average household size 2.35 (X) 2.31 (X) 2.48 (X)

Average family size 3.01 (X) 2.96 (X) 3.04 (X)

HOUSING OCCUPANCY

Total housing units 11,124 100 583,646 100 5,249,750 100

Occupied housing units 9,655 86.8 537,150 92 4,777,003 91

Vacant housing units 1,469 13.2 46,496 8 472,747 9

For seasonal, recreational, or occasional use 17 0.2 2,098 0.4 148,230 2.8

Homeowner vacancy rate (percent) 2.6 (X) 1.9 (X) 1.6 (X)

Rental vacancy rate (percent) 10.4 (X) 8.9 (X) 7.2 (X)

HOUSING TENURE

Occupied housing units 9,655 100 537,150 100 4,777,003 100

Owner-occupied housing units 5,793 60 360,036 67 3,406,337 71.3

Renter-occupied housing units 3,862 40 177,114 33 1,370,666 28.7

Average household size of owner-occupied unit 2.42 (X) 2.51 (X) 2.62 (X)

Average household size of renter-occupied unit 2.25 (X) 1.91 (X) 2.12 (X)



SCHOOL ENROLLMENT

Population 3 years and over enrolled in school 5,578 100 322,016 100 3,135,934 100

Nursery school, preschool 236 4.2 22,242 6.9 203,934 6.5

Kindergarten 262 4.7 14,713 4.6 159,146 5.1

Elementary school (grades 1-8) 2,852 51.1 131,978 41 1,379,671 44

High school (grades 9-12) 1,315 23.6 66,024 20.5 690,020 22

College or graduate school 913 16.4 87,059 27 703,163 22.4

EDUCATIONAL ATTAINMENT

Population 25 years and over 15,993 100 891,171 100 8,266,284 100

Less than 9th grade 1,070 6.7 33,163 3.7 452,069 5.5

9th to 12th grade, no diploma 2,513 15.7 88,673 10 1,044,036 12.6

High school graduate (includes equivalency) 7,066 44.2 301,774 33.9 3,150,013 38.1

Some college, no degree 2,644 16.5 151,441 17 1,284,731 15.5

Associate degree 1,016 6.4 63,537 7.1 487,804 5.9

Bachelor's degree 1,224 7.7 154,369 17.3 1,153,383 14

Graduate or professional degree 460 2.9 98,214 11 694,248 8.4

Percent high school graduate or higher 77.6 (X) 86.3 (X) 81.9 (X)

Percent bachelor's degree or higher 10.5 (X) 28.3 (X) 22.4 (X)

MARITAL STATUS

Population 15 years and over 18,952 100 1,048,285 100 9,861,713 100

Never married 6,245 33 304,958 29.1 2,685,328 27.2

Now married, except separated 8,089 42.7 535,716 51.1 5,352,297 54.3

Separated 632 3.3 21,289 2 215,846 2.2

Widowed 2,007 10.6 97,979 9.3 808,903 8.2

Female 1,560 8.2 79,945 7.6 656,381 6.7

Divorced 1,979 10.4 88,343 8.4 799,339 8.1

Female 1,171 6.2 52,927 5 456,801 4.6

GRANDPARENTS AS CAREGIVERS

Grandparent living in household with one or more own grandchildren under 18 years 524 100 17,441 100 204,909 100

Grandparent responsible for grandchildren 276 52.7 6,900 39.6 80,423 39.2

VETERAN STATUS

Civilian population 18 years and over 17,882 100 1,000,087 100 9,354,471 100

Civilian veterans 2,841 15.9 142,638 14.3 1,280,788 13.7

DISABILITY STATUS OF THE CIVILIAN NONINSTITUTIONALIZED POPULATION

PennsylvaniaCity of McKeesport Allegheny County

Social Characteristics, 2000 Census Data 4



Population 5 to 20 years 5,318 100 258,879 100 2,689,895 100

With a disability 610 11.5 16,875 6.5 202,259 7.5

Population 21 to 64 years 11,922 100 715,567 100 6,837,268 100

With a disability 2,996 25.1 113,343 15.8 1,196,717 17.5

Percent employed 43.8 (X) 55.3 (X) 54.8 (X)

No disability 8,926 74.9 602,224 84.2 5,640,551 82.5

Percent employed 69 (X) 78.2 (X) 78.3 (X)

Population 65 years and over 4,321 100 216,994 100 1,809,320 100

With a disability 2,029 47 83,875 38.7 712,795 39.4

RESIDENCE IN 1995


Same house in 1995 14,582 65.2 781,552 64.6 7,333,591 63.5

Different house in the U.S. in 1995 7,645 34.2 411,938 34 4,056,716 35.1

Same county 6,182 27.7 298,448 24.7 2,513,167 21.7

Different county 1,463 6.5 113,490 9.4 1,543,549 13.4

Same state 702 3.1 53,699 4.4 874,796 7.6

Different state 761 3.4 59,791 4.9 668,753 5.8

Elsewhere in 1995 125 0.6 17,230 1.4 165,231 1.4

NATIVITY AND PLACE OF BIRTH


Native 23,596 98.2 1,233,400 96.2 11,772,763 95.9

Born in United States 23,438 97.6 1,226,855 95.7 11,620,495 94.6

State of residence 21,387 89 1,054,459 82.3 9,544,251 77.7

Different state 2,051 8.5 172,396 13.5 2,076,244 16.9

Born outside United States 158 0.7 6,545 0.5 152,268 1.2

Foreign born 425 1.8 48,266 3.8 508,291 4.1

Entered 1990 to March 2000 40 0.2 21,313 1.7 209,123 1.7

Naturalized citizen 316 1.3 23,771 1.9 257,339 2.1

Not a citizen 109 0.5 24,495 1.9 250,952 2

REGION OF BIRTH OF FOREIGN BORN

Total (excluding born at sea) 425 100 48,266 100 508,282 100

Europe 316 74.4 21,709 45 182,667 35.9

Asia 44 10.4 18,356 38 182,967 36

Africa 13 3.1 2,013 4.2 25,413 5

Oceania 0 0 272 0.6 2,178 0.4

Latin America 52 12.2 4,184 8.7 99,514 19.6

Northern America 0 0 1,732 3.6 15,543 3.1

LANGUAGE SPOKEN AT HOME





English only 21,067 94.3 1,131,112 93.4 10,583,054 91.6

Language other than English 1,285 5.7 79,608 6.6 972,484 8.4

Speak English less than 'very well 468 2.1 24,579 2 368,257 3.2

Spanish 432 1.9 15,708 1.3 356,754 3.1

Speak English less than "very well" 182 0.8 4,802 0.4 140,502 1.2

Other Indo-European languages 708 3.2 46,052 3.8 428,122 3.7


Asian and Pacific Island languages 45 0.2 12,797 1.1 143,955 1.2


ANCESTRY (single or multiple)


Total ancestries reported 25,564 106.4 1,541,597 120.3 13,575,589 110.5

Arab 53 0.2 7,915 0.6 49,413 0.4

Czech1 145 0.6 12,576 1 70,704 0.6

Danish 8 0 1,121 0.1 16,762 0.1

Dutch 107 0.4 8,513 0.7 255,373 2.1

English 1,476 6.1 96,745 7.5 966,253 7.9

French (except Basque)1 175 0.7 22,961 1.8 211,264 1.7

French Canadian1 34 0.1 2,219 0.2 31,769 0.3

German 3,852 16 330,625 25.8 3,115,560 25.4

Greek 104 0.4 8,992 0.7 56,911 0.5

Hungarian 945 3.9 23,087 1.8 132,184 1.1

Irish1 3,020 12.6 235,697 18.4 1,983,262 16.1

Italian 2,280 9.5 194,227 15.2 1,418,465 11.6

Lithuanian 36 0.1 9,190 0.7 78,330 0.6

Norwegian 5 0 3,116 0.2 38,869 0.3

Polish 1,839 7.7 116,962 9.1 824,146 6.7

Portuguese 17 0.1 644 0.1 13,566 0.1

Russian 233 1 20,966 1.6 178,855 1.5

Scotch-Irish 307 1.3 28,294 2.2 218,173 1.8

Scottish 315 1.3 23,128 1.8 185,163 1.5

Slovak 1,340 5.6 53,314 4.2 243,009 2

Subsaharan African 221 0.9 7,797 0.6 58,807 0.5

Swedish 366 1.5 10,474 0.8 105,525 0.9

Swiss 16 0.1 3,745 0.3 60,107 0.5

Ukrainian 102 0.4 13,922 1.1 122,291 1

United States or American 1,029 4.3 38,147 3 633,236 5.2

Welsh 289 1.2 15,068 1.2 182,289 1.5

West Indian (excluding Hispanic groups) 86 0.4 1,678 0.1 36,396 0.3

Other ancestries 7,164 29.8 250,474 19.5 2,288,907 18.6



EMPLOYMENT STATUS


In labor force 9,746 52.3 630,964 61.1 6,000,512 61.9

Civilian labor force 9,720 52.2 630,293 61.1 5,992,886 61.8

Employed 8,509 45.7 591,905 57.3 5,653,500 58.3

Unemployed 1,211 6.5 38,388 3.7 339,386 3.5

Percent of civilian labor force 12.5 (X) 6.1 (X) 5.7 (X)

Armed Forces 26 0.1 671 0.1 7,626 0.1

Not in labor force 8,882 47.7 401,400 38.9 3,692,528 38.1

Females 16 years and over 10,498 100 553,644 100 5,094,133 100

In labor force 4,910 46.8 302,930 54.7 2,818,832 55.3

Civilian labor force 4,910 46.8 302,795 54.7 2,817,741 55.3

Employed 4,308 41 284,751 51.4 2,660,720 52.2

Own children under 6 years 1,724 100 83,595 100 845,915 100

All parents in family in labor force 1,046 60.7 50,426 60.3 508,870 60.2

COMMUTING TO WORK

Workers 16 years and over 8,320 100 582,362 100 5,556,311 100

Car, truck, or van -- drove alone 5,781 69.5 419,829 72.1 4,247,836 76.5

Car, truck, or van -- carpooled 1,151 13.8 58,512 10 577,364 10.4

Public transportation (including taxicab) 719 8.6 61,085 10.5 289,699 5.2

Walked 556 6.7 24,006 4.1 229,725 4.1


Other means 30 0.4 4,345 0.7 47,041 0.8

Worked at home 83 1 14,585 2.5 164,646 3

Mean travel time to work (minutes) 26.4 (X) 25.3 (X) 25.2 (X)

Employed civilian population 16 years and over 8,509 100 591,905 100 5,653,500 100

OCCUPATION

Management, professional, and related occupations 1,775 20.9 223,974 37.8 1,841,175 32.6

Service occupations 2,066 24.3 93,411 15.8 838,137 14.8

Sales and office occupations 2,528 29.7 170,055 28.7 1,525,131 27

Farming, fishing, and forestry occupations 0 0 396 0.1 26,722 0.5Construction, extraction, and maintenance occupations 924 10.9 44,338 7.5 500,898 8.9Production, transportation, and material moving occupations 1,216 14.3 59,731 10.1 921,437 16.3

INDUSTRY

Agriculture, forestry, fishing and hunting, and mining 26 0.3 1,417 0.2 73,459 1.3

Construction 527 6.2 32,142 5.4 339,363 6

Manufacturing 689 8.1 53,523 9 906,398 16

Wholesale trade 242 2.8 20,413 3.4 201,084 3.6

Retail trade 1,316 15.5 70,520 11.9 684,179 12.1

Economic Characteristics, 2000 Census Data 7



Transportation and warehousing, and utilities 457 5.4 35,514 6 304,335 5.4

Information 417 4.9 19,145 3.2 148,841 2.6Finance, insurance, real estate, and rental and leasing 526 6.2 50,452 8.5 372,148 6.6

Professional, scientific, management, administrative, and waste management services 583 6.9 66,081 11.2 478,937 8.5

Educational, health and social services 2,060 24.2 144,665 24.4 1,237,090 21.9Arts, entertainment, recreation, accommodation and food services 746 8.8 48,354 8.2 397,871 7

Other services (except public administration) 541 6.4 30,169 5.1 274,028 4.8

Public administration 379 4.5 19,510 3.3 235,767 4.2

CLASS OF WORKER

Private wage and salary workers 7,327 86.1 500,723 84.6 4,657,372 82.4

Government workers 868 10.2 59,127 10 639,088 11.3Self-employed workers in own not incorporated business 314 3.7 30,915 5.2 339,631 6

Unpaid family workers 0 0 1,140 0.2 17,409 0.3

INCOME IN 1999

Households 9,634 100 537,405 100 4,779,186 100

Less than $10,000 1,921 19.9 57,641 10.7 465,860 9.7

$10,000 to $14,999 966 10 39,913 7.4 333,381 7

$15,000 to $24,999 2,151 22.3 79,179 14.7 657,266 13.8

$25,000 to $34,999 1,401 14.5 69,879 13 633,953 13.3

$35,000 to $49,999 1,396 14.5 87,433 16.3 809,165 16.9

$50,000 to $74,999 1,218 12.6 97,907 18.2 929,863 19.5

$75,000 to $99,999 413 4.3 48,950 9.1 457,480 9.6

$100,000 to $149,999 114 1.2 34,349 6.4 317,171 6.6

$150,000 to $199,999 39 0.4 9,662 1.8 84,173 1.8

$200,000 or more 15 0.2 12,492 2.3 90,874 1.9

Median household income (dollars) 23,715 (X) 38,329 (X) 40,106 (X)

With earnings 6,386 66.3 402,439 74.9 3,667,238 76.7

Mean earnings (dollars) 33,025 (X) 54,605 (X) 54,209 (X)

With Social Security income 3,589 37.3 171,293 31.9 1,451,386 30.4

Mean Social Security income (dollars) 10,904 (X) 11,881 (X) 11,717 (X)

With Supplemental Security Income 886 9.2 22,426 4.2 203,851 4.3

Mean Supplemental Security Income (dollars) 6,706 (X) 6,507 (X) 6,523 (X)

With public assistance income 760 7.9 16,587 3.1 149,203 3.1

Mean public assistance income (dollars) 2,887 (X) 2,788 (X) 2,848 (X)

With retirement income 2,089 21.7 107,858 20.1 940,184 19.7

Mean retirement income (dollars) 9,355 (X) 14,763 (X) 14,663 (X)

Families 5,914 100 333,898 100 3,225,707 100




Less than $10,000 780 13.2 18,676 5.6 167,090 5.2

$10,000 to $14,999 374 6.3 12,800 3.8 124,473 3.9

$15,000 to $24,999 1,199 20.3 36,282 10.9 352,867 10.9

$25,000 to $34,999 898 15.2 40,939 12.3 410,489 12.7

$35,000 to $49,999 1,091 18.4 58,914 17.6 586,011 18.2

$50,000 to $74,999 1,068 18.1 76,354 22.9 756,698 23.5

$75,000 to $99,999 357 6 41,490 12.4 396,388 12.3

$100,000 to $149,999 98 1.7 29,381 8.8 278,306 8.6

$150,000 to $199,999 34 0.6 8,445 2.5 74,520 2.3

$200,000 or more 15 0.3 10,617 3.2 78,865 2.4

Median family income (dollars) 31,577 (X) 49,815 (X) 49,184 (X)

Per capita income (dollars) 13,242 (X) 22,491 (X) 20,880 (X)

Median earnings (dollars):

Male full-time, year-round workers 27,412 (X) 38,804 (X) 37,051 (X)

Female full-time, year-round workers 21,977 (X) 27,492 (X) 26,687 (X)

POVERTY STATUS IN 1999 (below poverty level)

Families 1,070 (X) 26,527 (X) 250,296 (X)

Percent below poverty level (X) 18.1 (X) 7.9 (X) 7.8

With related children under 18 years 905 (X) 20,094 (X) 188,366 (X)



Percent below poverty level (X) 35 4 (X) 16 6 (X) 15 3Percent below poverty level (X) 35.4 (X) 16.6 (X) 15.3

Families with female householder, no husband present 727 (X) 16,495 (X) 134,560 (X)





Percent below poverty level (X) 53.5 (X) 52 (X) 47.4

Individuals 5,301 (X) 139,505 (X) 1,304,117 (X)

Percent below poverty level (X) 23 (X) 11.2 (X) 11

18 years and over 3,114 (X) 97,230 (X) 882,372 (X)


65 years and over 525 (X) 19,520 (X) 164,095 (X)


Related children under 18 years 2,092 (X) 41,339 (X) 408,079 (X)


Related children 5 to 17 years 1,465 (X) 29,169 (X) 291,913 (X)


Unrelated individuals 15 years and over 1,663 (X) 56,610 (X) 473,182 (X)




Total housing units 11,119 100 583,646 100 5,249,750 100

UNITS IN STRUCTURE

1-unit, detached 7,541 67.8 361,753 62 2,935,248 55.9

1-unit, attached 442 4 52,127 8.9 940,396 17.9

2 units 851 7.7 34,567 5.9 273,798 5.2

3 or 4 units 597 5.4 30,080 5.2 241,745 4.6

5 to 9 units 517 4.6 28,391 4.9 179,909 3.4

10 to 19 units 477 4.3 24,200 4.1 131,691 2.5

20 or more units 672 6 48,043 8.2 283,714 5.4

Mobile home 22 0.2 4,401 0.8 258,551 4.9

Boat, RV, van, etc. 0 0 84 0 4,698 0.1

YEAR STRUCTURE BUILT Percent

1999 to March 2000 0 0 4,037 0.7 66,916 1.3

1995 to 1998 66 0.6 11,467 2 212,916 4.1

1990 to 1994 7 0.1 15,599 2.7 266,445 5.1

1980 to 1989 160 1.4 37,182 6.4 531,986 10.1

1970 to 1979 622 5.6 64,173 11 709,768 13.5

1960 to 1969 1,061 9.5 75,032 12.9 595,897 11.4

1940 to 1959 3,734 33.6 188,477 32.3 1,275,149 24.3

1939 or earlier 5,469 49.2 187,679 32.2 1,590,673 30.3

Allegheny County PennsylvaniaCity of McKeesport

ROOMS

1 room 132 1.2 7,093 1.2 62,654 1.2

2 rooms 219 2 16,227 2.8 143,152 2.7

3 rooms 1,041 9.4 55,123 9.4 403,457 7.7

4 rooms 1,986 17.9 81,450 14 668,040 12.7

5 rooms 2,811 25.3 110,698 19 924,603 17.6

6 rooms 2,801 25.2 135,772 23.3 1,220,416 23.2

7 rooms 1,149 10.3 75,930 13 767,695 14.6

8 rooms 607 5.5 55,438 9.5 561,360 10.7

9 or more rooms 373 3.4 45,915 7.9 498,373 9.5

Median (rooms) 5.3 (X) 5.7 (X) 5.8 (X)

Occupied Housing Units 9,650 100 537,150 100 4,777,003 100

YEAR HOUSEHOLDER MOVED INTO UNIT

1999 to March 2000 1,131 11.7 80,795 15 696,279 14.6

1995 to 1998 2,298 23.8 123,674 23 1,139,483 23.9

1990 to 1994 1,365 14.1 78,116 14.5 734,248 15.4

1980 to 1989 1,410 14.6 84,731 15.8 821,152 17.2

1970 to 1979 1,118 11.6 64,830 12.1 575,344 12

1969 or earlier 2,328 24.1 105,004 19.5 810,497 17

Housing Characteristics, 2000 Census Data 10



VEHICLES AVAILABLE

None 2,845 29.5 87,279 16.2 613,249 12.8

1 3,856 40 211,896 39.4 1,667,535 34.9

2 2,265 23.5 184,027 34.3 1,791,526 37.5

3 or more 684 7.1 53,948 10 704,693 14.8

HOUSE HEATING FUEL

Utility gas 9,018 93.5 474,292 88.3 2,452,941 51.3

Bottled, tank, or LP gas 95 1 4,317 0.8 145,254 3

Electricity 307 3.2 45,642 8.5 786,648 16.5

Fuel oil, kerosene, etc. 98 1 8,123 1.5 1,217,155 25.5

Coal or coke 22 0.2 183 0 67,986 1.4

Wood 6 0.1 745 0.1 76,060 1.6

Solar energy 0 0 27 0 663 0

Other fuel 67 0.7 2,491 0.5 20,500 0.4

No fuel used 37 0.4 1,330 0.2 9,796 0.2

SELECTED CHARACTERISTICS

Lacking complete plumbing facilities 61 0.6 1,932 0.4 24,450 0.5

Lacking complete kitchen facilities 102 1.1 2,385 0.4 25,831 0.5

No telephone service 222 2.3 4,610 0.9 65,680 1.4

OCCUPANTS PER ROOMOCCUPANTS PER ROOM

Occupied housing units 9,650 100 537,150 100 4,777,003 100

1.00 or less 9,407 97.5 531,002 98.9 4,685,858 98.1

1.01 to 1.50 212 2.2 4,449 0.8 60,627 1.3

1.51 or more 31 0.3 1,699 0.3 30,518 0.6

Specified owner-occupied units 5,417 100 331,436 100 2,889,484 100

VALUE

Less than $50,000 3,819 70.5 64,747 19.5 435,193 15.1

$50,000 to $99,999 1,422 26.3 145,286 43.8 1,079,698 37.4

$100,000 to $149,999 126 2.3 66,386 20 703,093 24.3

$150,000 to $199,999 44 0.8 27,101 8.2 344,172 11.9

$200,000 to $299,999 0 0 17,176 5.2 214,812 7.4

$300,000 to $499,999 6 0.1 7,702 2.3 84,425 2.9

$500,000 to $999,999 0 0 2,671 0.8 23,654 0.8

$1,000,000 or more 0 0 367 0.1 4,437 0.2

Median (dollars) 37,800 (X) 84,200 (X) 97,000 (X)

MORTGAGE STATUS AND SELECTED MONTHLY OWNER COSTS

With a mortgage 2,740 50.6 201,917 60.9 1,798,402 62.2




Less than $300 36 0.7 920 0.3 9,157 0.3

$300 to $499 508 9.4 13,080 3.9 108,720 3.8

$500 to $699 905 16.7 33,209 10 270,083 9.3

$700 to $999 882 16.3 59,119 17.8 498,003 17.2

$1,000 to $1,499 347 6.4 57,339 17.3 546,365 18.9

$1,500 to $1,999 37 0.7 21,847 6.6 220,493 7.6

$2,000 or more 25 0.5 16,403 4.9 145,581 5

Median (dollars) 682 (X) 971 (X) 1,010 (X)

Not mortgaged 2,677 49.4 129,519 39.1 1,091,082 37.8

Median (dollars) 288 (X) 342 (X) 318 (X)

SELECTED MONTHLY OWNER COSTS AS A PERCENTAGE

OF HOUSEHOLD INCOME IN 1999

Less than 15 percent 2,173 40.1 127,506 38.5 1,091,368 37.8

15 to 19 percent 887 16.4 59,929 18.1 509,245 17.6

20 to 24 percent 540 10 44,025 13.3 399,694 13.8

25 to 29 percent 447 8.3 29,744 9 264,015 9.1

30 to 34 percent 253 4.7 17,543 5.3 164,558 5.7

35 percent or more 1,041 19.2 49,640 15 436,159 15.1

Not computed 76 1.4 3,049 0.9 24,445 0.8

Specified renter-occupied units 3,862 100 176,537 100 1,348,824 100

GROSS RENTGROSS RENT

Less than $200 789 20.4 13,638 7.7 85,346 6.3

$200 to $299 449 11.6 12,051 6.8 89,493 6.6

$300 to $499 1,300 33.7 53,378 30.2 389,144 28.9

$500 to $749 956 24.8 62,405 35.3 454,749 33.7

$750 to $999 134 3.5 18,929 10.7 167,064 12.4

$1,000 to $1,499 31 0.8 6,620 3.7 65,230 4.8

$1,500 or more 0 0 1,773 1 19,811 1.5

No cash rent 203 5.3 7,743 4.4 77,987 5.8

Median (dollars) 383 (X) 516 (X) 531 (X)

GROSS RENT AS A PERCENTAGE OF HOUSEHOLD INCOME IN 1999

Less than 15 percent 653 16.9 34,053 19.3 259,386 19.2

15 to 19 percent 481 12.5 24,889 14.1 193,612 14.4

20 to 24 percent 420 10.9 21,329 12.1 165,624 12.3

25 to 29 percent 477 12.4 19,015 10.8 139,877 10.4

30 to 34 percent 355 9.2 12,264 6.9 93,260 6.9

35 percent or more 1,128 29.2 52,859 29.9 386,384 28.6

Not computed 348 9 12,128 6.9 110,681 8.2




B. Appendix B – Maps

Attached are the following maps for the City of McKeesport, Pennsylvania:

Total Population by Block Group

Percentage of White Population by Block Group

Percentage of Minority Population by Block Group

Total Housing Units by Block Group

Percentage of Owner Occupied Housing Units by Block Group

Percentage of Renter Occupied Housing Units by Block Group

Number of Section 8 Housing Choice Vouchers by Block Group

Percentage of Population Age 65 and Over by Block Group

Low- and Moderate-Income Population by Block Group

HUD Assisted Housing Locations

Low-Income Housing Tax Credit (LIHTC) Locations

White Population, HUD Assisted Housing Locations (Including LIHTC), and Section 8 Vouchers

Minority Population, HUD Assisted Housing Locations (Including LIHTC), and Section 8 Vouchers

Owner Occupied Housing Units, HUD Assisted Housing Locations (Including LIHTC), and Section 8 Vouchers

Renter Occupied Housing Units, HUD Assisted Housing Locations (Including LIHTC), and Section 8 Vouchers



C. Appendix C – Home Mortgage Disclosure Act Data

Attached are the CRA Reports for the Pittsburgh MSA, date May 24, 2010. These reports were downloaded from www.ffiec.org/hmda/.

A K VALLEY FEDERAL CREDIT UNIO ACCESS NATIONAL MORTGAGE CORP AFFILIATED MORTGAGE COMPANY

AGCHOICE FARM CREDIT, ACA ALLEGENT COMMUNITY FCU ALLEGHENY ENERGY FCU

ALLEGHENY MORTGAGE CORP. ALLEGHENY VALLEY BANK ALLIED HOME MORTGAGE CORP.

ALLIED MORTGAGE GROUP ALLSTATE FINANCIAL AMERICAN EQUITY MORTGAGE, INC.

AMERICAN FEDERAL MORTGAGE CORP AMERICAN FINANCIAL MORTGAGE CO AMERICAN FINANCIAL RESOURCES

AMERICAN INTERBANC MTG, LLC AMERICAN SOUTHWEST MORTGAGE CO AMERICANMTGNETWORK DBA VERTICE

AMERISAVE MORTGAGE CORPORATION AMERISERV FINANCIAL BANK APOLLO TRUST COMPANY

ARMSTRONG ASSOCIATES FCU ARMSTRONG CO BLDG & LOAN ASSOC ATLANTIC HOME LOAN, INC.

AVELO MORTGAGE LLC BANKMORTGAGESOLUTIONS, LLC BAYER HERITAGE FCU

BEAVER VALLEY FCU BENEFICIAL COMPANY LLC BNY MELLON N.A.

BRENTWOOD BANK BUTLER ARMCO EMP. CREDIT UNION CAPITAL ONE HOME LOANS, LLC

CAPWEST MORTGAGE CORPORATION CARDINAL FINANCIAL COMPANY CARNEGIE MORTGAGE

CARROLLTON MORTGAGE SERVICES CENTRA BANK CENTURY HERITAGE FCU

CHARLEROI FEDERAL SAVINGS BANK CITIFINANCIAL SERVICES, INC. CITIMORTGAGE, INC

CITIZENS BANK OF PENNSYLVANIA CLEARVIEW FEDERAL CREDIT UNION COMMERCIAL BANK & TRUST OF PA

COMMUNITY BANK COMPASS SAVINGS BANK CONTINENTAL HOME LOANS INC.

CTX MORTGAGE COMPANY, LLC DELL FRANKLIN FINANCIAL LLC DOLLAR BANK, FSB

E MORTGAGE MANAGEMENT, LLC ELDERTON STATE BANK EMBRACE HOME LOANS, INC.

ENTERPRISE BANK EQUIFIRST CORPORATION EQUITABLE TRUST MORTGAGE CORPO

EQUITY LOANS LLC EQUITY RESOURCES INC ESB BANK

EUREKA BANK EVERHOME MORTGAGE COMPANY FAIRWAY INDEPENDENT MORTGAGE

FARMERS & MERCHANTS BANK OF WE FARMERS BUILDING AND SAVINGS B FEDEX EMPLOYEES CREDIT ASSOCIA

FIDELITY BANK PASB FIFTH THIRD BANK FIFTH THIRD MORTGAGE COMPANY

FINANCIAL FREEDOM ACQUISITION FIRST COMMONWEALTH BANK FIRST COMMONWEALTH HOME MTGE

FIRST FEDERAL S&L OF GREENE CO FIRST FEDERAL SAVINGS BANK FIRST GUARANTY MORTGAGE COPR

FIRST INTERSTATE FINANCIAL COR FIRST NATIONAL BANK OF PA FIRST NIAGARA BANK

FIRST RESIDENTIAL MORTGAGE FIRST RESIDENTIAL MORTGAGE SER FIRSTMERIT MORTGAGE CORP

FLAGSHIP MORTGAGE CORPORATION FORWARD NATIONAL COMPANY, INC. FRANKLIN AMERICAN MORTGAGE CO

FRANKLIN FIRST FINANCIAL LTD FREEDOM MORTGAGE CORP. Greentree Mortgage Co., L.P.

Guaranteed Rate Inc GATEWAY BANK OF PENNSYLVANIA GATEWAY FUNDING DMS, LP

GB MORTGAGE, LLC GMAC MORTGAGE LLC HFC COMPANY LLC

HOMCASTLE MORTGAGE, LLC HOME LOAN CENTER HOME SAVINGS AND LOAN

HOMEOWNERS MORTGAGE OF AMERICA HOMEPLUS FINANCE CORPORATION HOMEPROMISE CORPORATION

HOWARD HANNA MORTGAGE SERVICES HSBC MORTGAGE CORP IFREEDOM DIRECT CORPORATION

INFINITY HOME MORTGAGE COMPANY INTERCONTINENTAL CAPITAL GROUP JAMES B. NUTTER & CO.

K. HOVNANIAN AMERICAN MORTGAGE KEYSTONE FINANCIAL LESCO FEDERAL CREDIT UNION

LIBERTY MORTGAGE CORPORATION LINCOLN MORTGAGE CO MARION CENTER BANK

MAVERICK FUNDING MCS MORTGAGE BANKERS, INC MENNONITE FINANCIAL FCU

MERIDIAS CAPITAL INC MERRILL LYNCH CREDIT CORP MFC MORTGAGE INC OF FLORIDA

MIDWEST LOAN SERVICES, INC. MLD MORTGAGE, INC MON VALLEY COMMUNITY FCU

MORGAN STANLEY CREDIT CORP MORTGAGE NETWORK MORTGAGE NOW INC

MORTGAGE RESEARCH CENTER MORTGAGE SERVICES III, L.L.C. NATIONSTAR MORTGAGE LLC

NATIONWIDE ADVANTAGE MORTGAGE NATIONWIDE EQUITIES CORP NATIONWIDE MORTGAGE CONCEPTS,

NEW ALLIANCE FCU NEW DAY FINANCIAL, LLC NEW PENN FINANCIAL, LLC

NEXTIER BANK NA NFM, INC. NORTHWEST SAVINGS BANK

NVR MORTGAGE FINANCE INC OAK MORTGAGE COMPANY OCEANSIDE MORTGAGE COMPANY

Report Date: 05/24/2010

LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKE UP THE 2009 MSA/MD AGGREGATE REPORT

MSA/MD: 38300 - PITTSBURGH, PA

Page 1 of 5

INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD

OMEGA FEDERAL CREDIT UNION OMEGA FINANCIAL SERVICES, INC. ONE REVERSE MORTGAGE, LLC

PARAGON FEDERAL CREDIT UNION PARKVALE SAVINGS BANK PATHFINDER FEDERAL CREDIT UNIO

PHH HOME LOANS PHH MORTGAGE CORPORATION PITTSBURGH CENTRAL FCU

PITTSBURGH FIREFIGHTERS FCU PLAZA HOME MORTGAGE, INC. PNC BANK NA

PNC MORTGAGE, LLC PREMIA MORTGAGE, LLC PREMIUM CAPITAL FUNDING LLC

PRIMARY RESIDENTIAL MORTGAGE PRIMELENDING PROFICIO BANK

PROFOLIO HOME MORTGAGE CORP PROGRESSIVE-HOME FEDERAL S&LA PROSPECT MORTGAGE, LLC

PROSPERITY MORTGAGE COMPANY PROVIDENT FUNDING ASSOCIATES QUICKEN LOANS

REAL ESTATE MORTGAGE NETWORK RELIANCE FIRST CAPITAL LLC RESIDENTIAL FINANCE CORP

RIVERSET CREDIT UNION S&T BANK Somerset Investors Corp.

Standard Bank PaSB SAIL MORTGAGE CORP SECURITY ATLANTIC WHOLESALE

SERVICE 1ST MORTGAGE, INC. SEWICKLEY SAVINGS BANK SHELTER MORTGAGE COMPANY, LLC

SIERRA PACIFIC MORTGAGE CO. IN SIRVA MORTGAGE, INC. SLOVAK SAVINGS BANK

SLOVENIAN S&L ASS'N SOMERSET TRUST COMPANY STEARNS LENDING, INC.

STERLING NATIONAL MORTGAGE CO. SUMMIT MORTGAGE CORPORATION SUN WEST MORTGAGE COMPANY, INC

SUNCOAST MORTGAGE CORPORATION SUNTRUST MORTGAGE, INC SUPERIOR MORTGAGE CORP

TAMMAC HOLDINGS CORPORATION TAYLOR, BEAN & WHITAKER THE BANK OF NEW YORK MELLON

THE FARMERS NATIONAL BANK OF E THE GREATER PGH POLICE FCU THE HUNTINGTON NATIONAL BANK

THE MARS NATIONAL BANK THE MONEY SOURCE, INC. THE SCOTTDALE BANK & TRUST CO.

THE UNITED FEDERAL CREDIT UNIO TRI BORO FEDERAL CREDIT UNION TRISTATE CAPITAL BANK

U.S. POSTAL SERVICE FCU UNION NATIONAL MORTGAGE CO. UNITED AMERICAN SAVINGS BANK

UNITED MORTGAGE CORP UNITED NORTHERN MORTGAGE BANKE UNIVERSAL MORTGAGE & FINANCE

US MORTGAGE FINANCE CORP USX FEDERAL CREDT UNION VALLEY 1ST COMMUNITY F.C.U.

VANDYK MORTGAGE CORPORATION VILLAGE CAPITAL & INVESTMENT L Washington Financial Bank

WALKER JACKSON MORTGAGE CORP WASHINGTON COMMUNITY FCU WEICHERT FINANCIAL SERVICES

WELLS FARGO FUNDING, INC WESBANCO BANK, INC. WEST PENN FINANCIAL

WEST VIEW SAVINGS BANK WESTMORELAND FEDERAL SAVINGS WESTSTAR MORTGAGE INC

WINTRUST MORTGAGE CORPORATION WOODFOREST NATIONAL BANK WORLD ALLIANCE FINANCIAL CORP.

WRIGHT-PATT FINANCIAL GROUP 1ST NATIONAL COMMUNITY BANK 1ST SUMMIT BANK

21ST MORTGAGE




Page 2 of 5

INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD

American Heritage FCU ACACIA FEDERAL SAVINGS BANK ACADEMY MORTGAGE CORPORATION

ADDISON AVENUE FEDERAL CREDIT ADVANCE MORTGAGE ADVANCIAL FEDERAL CREDIT UNION

AFFILIATED BANK AFFINITY FEDERAL CREDIT UNION AIG FEDERAL SAVINGS BANK

ALLEGACY FEDERAL CREDIT UNION ALLIED HOME MTG CAPITAL CORP. ALLSTATE BANK

ALLY BANK F/K/A/ GMAC BANK ALTOONA FIRST SAVINGS BANK ALTRA FEDERAL CREDIT UNION

AMERICAHOMEKEY, INC AMERICAN AIRLINES FEDERAL CU AMERICAN BANK

AMERICAN GENERAL FIN.SERV.(DE) AMERICAN NATIONAL BANK AMERIFIRST FINANCIAL CORPORATI

AMERIPRISE BANK, FSB ANDERSON FINANCIAL GROUP ANHEUSER-BUSCH EMPLOYEES CU

APCI FEDERAL CREDIT UNION ARCOLA HOMESTEAD SAVINGS BANK ARK-LA-TEX FINANCIAL SERVICES,

ARVEST BANK GROUP ASSURITY FINANCIAL SERVICES ASTORIA FEDERAL MORTGAGE CORP.

ATLANTA POSTAL CREDIT UNION AURORA BANK FSB AURORA FINANCIAL GROUP INC

B. F. SAUL MORTGAGE COMPANY Bank of Whittier, N.A. BALLSTON SPA NATIONAL BANK

BANK OF AMERICA, N.A. BANK OF ANN ARBOR BANK OF ARKANSAS, NA

BANK OF COMMERCE BANK OF ENGLAND BANK OF INTERNET USA

BANK OF TEXAS, NA BANK-FUND STAFF FEDERAL CU BAXTER CREDIT UNION

BEACH FIRST NATIONAL BANK BENEFICIAL BANK BETHPAGE FEDERAL CREDIT UNION

BNC NATIONAL BANK BRANCH BANKING AND TRUST CO BROTHERHOOD BANK & TRUST

C&G SAVINGS BANK CAMBRIA COUNTY FEDERAL S&L CAPAHA BANK

CAPITAL ONE NA CARLINVILLE NATIONAL BANK CAROLINA BANK

CARROLLTON BANK CDC FEDERAL CREDIT UNION CENTIER BANK

CFBANK CGB AGRI FINANCIAL SERVICES CHARLES SCHWAB BANK

CHESCO FINANCIAL SERVICES, LLC CHESSIE FEDERAL CREDIT UNION CHEVY CHASE BANK, F.S.B.

CIRCLE ONE MORTGAGE COMPANY CITADEL FEDERAL CREDIT UNION CITIBANK, N.A.

CITICORP TRUST BANK FSB CITIZENS NATIONAL BANK CLEARFIELD BANK & TRUST CO.

CNB BANK COLONIAL SAVINGS, F.A. COLORADO STATE BANK & TRUST NA

COMMERCIAL BANK COMMUNITY FIRST BANK COMPASS BANK

CONTINENTAL FEDERAL CU CONTOUR MORTGAGE CORP. CORNERSTONE FCU

CORNERSTONE MORTGAGE COMPANY CORNING FEDERAL CREDIT UNION CORPORATE AMERICA FAMILY CU

CORRIDOR MORTGAGE GROUP, INC. COUNTRYWIDE BANK FSB CUC MORTGAGE CORPORATION

DB PRIVATE WEATH MORTGAGE LTD. DELTA COMMUNITY CREDIT UNION DEVON BANK

DIAMOND BANK FSB DIGITAL FEDERAL CREDIT UNION DIRECTIONS CREDIT UNION

DISCOVER BANK DOMESTIC BANK DOMINION CREDIT UNION

DOVER MORTGAGE COMPANY DRAGAS MORTGAGE COMPANY E*TRADE BANK

Eastern Savings Bank, fsb EAGLE NATIONAL BANK - MTG DIV EASTMAN CREDIT UNION

EDWARD JONES MORTGAGE, LLC ESL FEDERAL CREDIT UNION EVERBANK

EVOLVE BANK & TRUST FAIRMONT FEDERAL CREDIT UNION FEDERATED LENDING CORPORATION

FIDELITY BANK FINANCIAL RESOURCES FCU FIRST BANK

FIRST BANK OF CHARLESTON FIRST CENTURY BANK, N. A. FIRST CHOICE BANK

FIRST COMMUNITY BANK,NA FIRST EXCHANGE BANK FIRST FEDERAL BANK

FIRST FEDERAL OF LAKEWOOD FIRST HOME MORTGAGE FIRST INTERNET BANK OF INDIANA

FIRST MUTUAL CORP. FIRST NATIONAL ACCEPTANCE CO., FIRST NATIONAL BANK OF AMERICA

FIRST NATIONAL BANK OF CC FIRST NATIONAL BANK OF LAYTON FIRST NATIONAL COMMUNITY BANK

FIRST PLACE BANK FIRST PRIORITY BANK FIRST STAR BANK, SSB

FIRST TENNESSEE BANK NA FIRST UNITED BANK & TRUST FIRSTMERIT BANK NA

FLAGSTAR BANK FME FEDERAL CREDIT UNION FNB BANK, N.A.

FOX CHASE BANK FSGBANK, N.A. FULTON BANK, N.A.




Page 3 of 5

INSTITUTIONS WHO DO NOT HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD

GATEWAY BANK, FSB GATEWAY BUSINESS BANK GATEWAY MORTGAGE GROUP LLC

GENEQUITY MORTGAGE GENERAL MILLS FCU GENISYS CREDIT UNION

GEORGIA BANKING COMPANY GMS FUNDING, LLC GRAND BANK N.A.

GREAT LAKES CREDIT UNION GREENVILLE SAVINGS BANK GROVE CITY AREA FCU

GUARANTEED HOME MORTGAGE COMPA GUARANTY BANK, FSB GUIDANCE RESIDENTIAL, LLC

H&R BLOCK BANK HAMILTON NATIONAL MORTGAGE CO. HANCOCK COUNTY SAVINGS BANK

HANSCOM FEDERAL CREDIT UNION HARLEYSVILLE NATIONAL BANK HARRIS N.A.

HARTFORD FUNDING LTD HEARTLAND BANK HENRY STATE BANK

HOME LOAN INVESTMENT BANK HOME SAVINGS OF AMERICA HORIZON BANK, N.A.

HSBC BANK USA, NA HUDSON CITY SAVINGS BANK HUNTINGDON VALLEY BANK

IMPERIAL CAPITAL BANK INDYMAC BANK, F.S.B. ING BANK, FSB

INOVA FEDERAL CREDIT UNION INTEGRITY HOME FUNDING, LLC JPMORGAN CHASE BANK, NA

JUSTICE FEDERAL CREDIT UNION KB HOME MORTGAGE, LLC KEMBA FINANCIAL CREDIT UNION

KEYBANK NATIONAL ASSOCIATION LAFAYETTE FEDERAL CREDIT UNION LAKE MICHIGAN CREDIT UNION

LEADER ONE FINANCIAL CORPORATI LENDMORE MORTGAGE BANKERS CORP LIBERTY MORTGAGE CORPORATION

LIBERTY NATIONAL BANK LIBERTY SAVINGS BANK, FSB M&I BANK FSB

M&T BANK M&T REALTY CAPITAL CORPORATION MACKINAC SAVINGS BANK, FSB

MB FINANCIAL BANK NA MCGRAW-HILL EFCU MEFC

MEMBER FIRST MORTGAGE, LLC MEMBERS 1ST FCU MERCER COUNTY STATE BANK

MERCURY, INC. MERRILL LYNCH BANK & TRUST FSB METLIFE BANK, N.A.

METRO BANK MIDCOUNTRY BANK MIDFIRST BANK

MMS MORTGAGE SERVICES, LTD MONARCH BANK MORTGAGE CAPITAL ASSOCIATES

MORTGAGE CENTER LC MORTGAGE CONCEPTS MORTGAGE MASTER, INC.

MUTUAL OF OMAHA BANK MVB BANK INC MWABANK

NAPUS FEDERAL CREDIT UNION NASA FEDERAL CREDITUNION NATIONAL BANK OF KANSAS CITY

NATIONAL BANK OF ST ANNE NATIONAL INSTITUTES OF HEALTH NATIONAL PENN BANK

NATIONWIDE BANK NBT BANK NA NETMORE AMERICA

NEW CARLISLE FEDERAL SAVINGS B NEW YORK COMMUNITY BANK NFCU

NICOLET NATIONAL BANK NJ LENDERS CORP NORTH AMERICAN SAVINGS BANK

NORTHWEST FEDERAL CREDIT UNION NPB MORTGAGE LLC NRL FEDERAL CREDIT UNION

NUMARK CREDIT UNION OHIO EDISON PENN POWER C U OMNIAMERICAN BANK

ONEWEST BANK, FSB ORIGEN FINANCIAL SERVICES LLC PA CENTRAL FCU

PA STATE EMPLOYEES C U PAN AMERICAN MORTGAGE, LLC PATELCO CREDIT UNION

PEFCU PENNYMAC LOAN SERVICES LLC PENTAGON FEDERAL CREDIT UNION

PEOPLES HOME EQUITY, INC PEOPLESBANK, A CODORUS VALLEY PHILADELPHIA FEDERAL CREDIT UN

PHILADELPHIA MORTGAGE ADVISORS PICATINNY FED CREDIT UNION POLICE AND FIRE FEDERAL CU

PREMIER MORTGAGE RESOURCES LL PREMIER AMERICA CREDIT UNION PRINCIPAL BANK

PROGRESSIVE BANK NA PULASKI BANK QUORUM FEDERAL CREDIT UNION

Roma Bank RANLIFE, INC. RAYMOND JAMES BANK

RBC BANK RBS CITIZENS, N.A. REALTY HOME MORTGAGE CO., LLC

REGIONS BANK RELIANCE SAVINGS BANK RELIANT COMMUNITY FCU

REPUBLIC STATE MORTGAGE CO RESIDENTIAL HOME FUNDING RIVERVIEW COMMUNITY BANK

Sharonview Federal Credit Unio Stifel Bank & Trust SACU

SANDY SPRING BANK SB1 FEDERAL CREDIT UNION SEASIDE NATIONAL BANK & TRUST

SECU CREDIT UNION SECURE LENDING SOLUTIONS, INC. SECURITY BANK

SECURITYNATIONAL MORTGAGE SENECA FALLS SAVINGS BANK SERVICE CREDIT UNION




Page 4 of 5


SEVEN SEVENTEEN CREDIT UNION SHORE MORTGAGE SIDUS FINANCIAL, LLC

SOUTH CENTRAL BANK SOUTHWEST BANK SOVEREIGN BANK

SPE FEDERAL CREDIT UNION STAR ONE CREDIT UNION STAR USA FEDERAL CREDIT UNION

STATE FARM BANK STERLING BANK SUMMIT MORTGAGE BANKERS, INC.

SUNTRUST BANKS, INC SUPERIOR CHOICE CREDIT UNION SUSQUEHANNA BANK

SYNOVUS MORTGAGE CORPORATION The Provident Bank TD BANK, N.A.

THE NORTHERN TRUST COMPANY THE OHIO VALLEY BANK COMPANY THE PARK NATIONAL BANK

THIRD FEDERAL SAVINGS AND LOAN THRIVENT FINANCIAL BANK TIERONE BANK

TMG REAL ESTATE & FINANCIAL TOWER FEDERAL CREDIT UNION TREASURY DEPARTMENT FCU

TRI-EMERALD FINANCIAL GROUP TRIDENT MORTGAGE COMPANY TRUHOME SOLUTIONS, LLC

TRUMARK FINANCIAL UBS AG, TAMPA BRANCH UKRAINIAN SELFRELIANCE FCU

UNION BANK, N.A. UNION MORTGAGE GROUP UNITED BANK INC

UNITED MIDWEST SAVINGS BANK UNIVEST NATIONAL BANK & TRUST URBAN TRUST BANK

US BANK NORTH DAKOTA US BANK, N.A. USAA FEDERAL SAVINGS BANK

USALLIANCE FEDERAL CREDIT UNIO USSCO FEDERAL CREDIT UNION VANDERBILT MORTGAGE

VANGUARD FUNDING LLC VISIONS FEDERAL CREDIT UNION WACHOVIA BANK NA

WACHOVIA MORTGAGE FSB WELLS FARGO BANK, NA WESTBOUND BANK

WESTERN FEDERAL CREDIT UNION WILMINGTON SAVINGS FUND SOCIET WILMINGTON TRUST FSB

WINTERWOOD MORTGAGE GROUP LLC WR STARKEY MORTGAGE, LLP XCEED FINANCIAL FEDERAL CREDIT

1st Preference Mortgage Corp 1ST MARINER BANK NARFE PREMIER FCU




Page 5 of 5


LOANS ORIGINATED 4 3 5325 402 557

APPROVED, NOT ACCEPTED

APP DENIED 1 1 1 124 82 100 50

APP WITHDRAWN 1 24

FILES CLOSED FOR INCOMPLETENESS

PA/ALLEGHENY COUNTY/0103.00 23 36

LOANS ORIGINATED 51 18 3 1 1112345 4686 303 329 3141

APPROVED, NOT ACCEPTED 5 21418 453

APP DENIED 3 23 4 4

2 176

231 6355 938 120

APP WITHDRAWN

8

12 1

1 60 1672

3022 112


7

2

6 313 692

52

PA/ALLEGHENY COUNTY/0201.00

321

44 146

LOANS ORIGINATED 3 1 1 1721 189 15 235

APPROVED, NOT ACCEPTED 2 813

APP DENIED

APP WITHDRAWN 5 1042


1 30




APP DENIED

1

7 3

37

1077 63

APP WITHDRAWN 3 230


2 31


1 12

90 53



APP DENIED 2 1 2

1 173

137 47 15

APP WITHDRAWN

2

1

61

53



LOANS ORIGINATED 2 10757 2943


APP DENIED 2 610

APP WITHDRAWN

1

1

190

120


1 120


1 370

20 375


AGGREGATE TABLE 1: DISPOSITION OF LOAN APPLICATIONS, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009


Page 1 of 121

ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/

CENSUS TRACT OR COUNTY NAME ANDDISPOSITION OF APPLICATION 1/(STATE/COUNTY/TRACT NUMBER) FHA, FSA/RHS & VA Conventional

Refinancings Home ImprovementLoans

Loans on DwellingsFor 5 or More

Families

NonoccupantLoans From

Columns A, B, Cand D

Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's

A B C D E F

Home Purchase Loans

Loans on 1-to-4 Family and Manufactured Home Dwellings

Loans OnManufactured Home

Dwellings FromColumns A, B, C & D

G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 2101 4

APP WITHDRAWN 1 198 94





APP DENIED 1 3 2

2 186

113 277 190

APP WITHDRAWN

3

2

377

187



LOANS ORIGINATED 6 2 1 2 61 97 606 148 15 780 493


APP DENIED 2

1 113

247

APP WITHDRAWN

11 540 122

FILES CLOSED FOR INCOMPLETENESS 1 113


1131

22 55



APP DENIED 2 2 5 3

1 100

234 102 345 195

APP WITHDRAWN

3

1 3 3

170

131 232 190


3

1

232

90


2 238 901

38 63



APP DENIED 4 11203 232

APP WITHDRAWN

1

2

10

86





APP DENIED 1 14 9152 837 165

APP WITHDRAWN

2

3

161

306


1 9


1 77

90 77




Page 2 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




APP WITHDRAWN

2

1 1

130

400 39



LOANS ORIGINATED


APP DENIED 2 16

APP WITHDRAWN

1 15



LOANS ORIGINATED 1 119


APP DENIED 1 57






APP DENIED 4 16 8465 1600 67

APP WITHDRAWN

3

1 3 7

1 150 109

93 228 936


1

1

1 50 82

144


1 100

28 67


APPROVED, NOT ACCEPTED 1 1 164 55 9

APP DENIED 1 1 7 4258 62 628 155

APP WITHDRAWN

1

1 2

25

105 155


12 50 105


1 155 1 50

18 51



APP DENIED 1 3 11 2

2 91

366 321 3200 155

APP WITHDRAWN

4

2 5 10

1 309 790

192 954 3366


3

3

474

376


1 96 961

18 206




Page 3 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 6 8 1

1 232

798 1799 8

APP WITHDRAWN

4

1 2 11

650

300 312 2590



1 155

23 78



APP DENIED 1 1 8 1160 180 1138 28

APP WITHDRAWN

1

1 9

97

116 2027



1 20

19 173



APP DENIED 1 6

1 90

417 1446

APP WITHDRAWN

2

2 3

435

567 660



2122

27 121



APP DENIED 2 1 14242 133 3618

APP WITHDRAWN

3

1 2 6

764

101 499 761


1

2

1 35 75

1110


5 1542

33 134



APP DENIED 3 2 12 5271 93 954 288

APP WITHDRAWN

2

1 2 4

120

126 53 268


1 23




APP DENIED 1 2 3 2110 270 472 20

APP WITHDRAWN

1

1 2 1

176

54 132 70


2

1

136

110


1 10

24 64




Page 4 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian







1 101

19 90



APP DENIED 1 9 1236 1674 10


FILES CLOSED FOR INCOMPLETENESS 1

1 25

178


1 205

41 70




APP WITHDRAWN

2

4 3

1 480 110

681 225


11 99 192


2 155

22 81



APP DENIED 1 2 9 4

1 80

176 99 526 102

APP WITHDRAWN

3

5

119

312


11 15 55




APP DENIED 4 1 14 7532 30 1389 253

APP WITHDRAWN

3

1 2 5

1 6 196

110 210 450


1 25

280 44


441

7 58


APPROVED, NOT ACCEPTED 1 1 2 1136 180 234 126

APP DENIED 1 1 5 7145 30 805 186



12 98 68





Page 5 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 14 1363 1318 413

APP WITHDRAWN

1

6

63

511


2 40


1 122

67 96



APP DENIED 5 12 11262 474 210

APP WITHDRAWN

2

5

188

407



221

15 64



APP DENIED 2 2 11 19336 148 1175 421

APP WITHDRAWN

2

1 2 8

178

106 233 646


1 6

110


1 10

13 96




APP WITHDRAWN

2 57





APP DENIED 2 1 4 7144 14 114 115

APP WITHDRAWN

2

1

52

42


1 10

38 63




APP DENIED 3 17 4189 1490 63

APP WITHDRAWN

1

3 11

10

272 1011



4 335

17 128




Page 6 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 2 22 4172 313 3516 117

APP WITHDRAWN

4

2 14

512

210 2375


3 372

90


1 180

40 97



APP DENIED 3 14 1400 3287 10

APP WITHDRAWN

1

3 15

135

876 2104


44 275 332


3 342

27 127



APP DENIED 1 9 5

1 32

33 982 112

APP WITHDRAWN

2

2 1 1

185

157 70 136


1

1

70

120




APP DENIED 1 9 770 532 181

APP WITHDRAWN

1

1 3

73

69 150


21 5 91


2 128 381

93 66




APP WITHDRAWN

4

5

1088

326








1 12





Page 7 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 4 7

1 49

44 204 160

APP WITHDRAWN

11 80 44


1 15

20


1 25

99 77



APP DENIED 4 7 8115 367 126

APP WITHDRAWN

2

5

60

288


1 6




APP DENIED 1 415 35

APP WITHDRAWN

1 15


1 39




APP DENIED 4 2201 7

APP WITHDRAWN

1

1

3

15





APP DENIED 1 3 331 75 12

APP WITHDRAWN 1 35






APP WITHDRAWN

1

2

50

131






Page 8 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




APP WITHDRAWN

1

1 3

1 184 17

36 271





APP DENIED 1 2 1 541 129 35 60

APP WITHDRAWN

1

1

20

90





APP DENIED 1 235 51

APP WITHDRAWN





APP DENIED 1 13 1047 756 207

APP WITHDRAWN

2

1 2 2

55

68 143 121


1

1

22

77




APP DENIED 8 6

1 219

1632 2128

APP WITHDRAWN

1

1 6 5

340

362 2822 907



2 380

31 283



APP DENIED 1 12 1

2 496

225 4415 170




1 345

28 235




Page 9 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 15 1230 60 3010 255

APP WITHDRAWN

5

3 14

786

544 3690


1 319

342


3 748

10 201



APP DENIED 11 32844 671

APP WITHDRAWN 1 3 11325 727 3637


3 273


2 668

8 230



APP DENIED 3 8 8573 907 87

APP WITHDRAWN

3

1 1 4

37

161 152 441


1 127


1 77

73 88



APP DENIED 5 19 7

3 311

679 4001 525

APP WITHDRAWN

2

4 18

88

884 3023


2

1

3 361 313

385


3 274 1651

14 147



APP DENIED 2 23 3219 5525 135

APP WITHDRAWN

2

1 18

334

74 3576


13 408 74


1 397

12 157




APP WITHDRAWN 1 1 10124 230 1748






Page 10 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 3 5

1 56

120 348 121

APP WITHDRAWN 5 596





APP DENIED 1 20 2150 4193 137

APP WITHDRAWN

5

2 13

761

517 3062


3

1

877

97


1 100

17 134



APP DENIED 3 26 1301 5310 25

APP WITHDRAWN

1

3 15

2 975 167

578 2655


1 50

415


3 792 2 121 5601

13 124






2 40


1 27

25 68

LOANS ORIGINATED


APP DENIED 1 127 44

APP WITHDRAWN 1 73





APP DENIED 1 1 14 1751 33 601 333

APP WITHDRAWN

4

4

103

330


2 50


1 36 1 10

45 58




Page 11 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 12 12193 1265 192

APP WITHDRAWN

5

1 3 9

241

102 165 864



3 225

3 94



APP DENIED 2 3 42 12310 153 4797 420

APP WITHDRAWN

6

1 3 26

1264

77 371 3461


53 157 1346


7 1019 1481

10 113



APP DENIED 2 10 15

2 178

126 505 259

APP WITHDRAWN

1 1

1 3

83 50

40 206



LOANS ORIGINATED


APP DENIED 1 10

APP WITHDRAWN



LOANS ORIGINATED


APP DENIED 1 155 45

APP WITHDRAWN 1 53





APP DENIED 1 2 168 105 37

APP WITHDRAWN 2 86






Page 12 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 4 16 5302 1668 424

APP WITHDRAWN

8

1 2 11

600

216 446 1255


6

1

1 50 439

228


4 443 1051

7 82



APP DENIED 1 1 22 9

1 89

121 100 3462 717

APP WITHDRAWN

2

11

250

1602


11 417 172


3 301

7 72



APP DENIED 2 6 18 9

1 217

318 908 2891 721

APP WITHDRAWN

5

2 12

882

250 1864


4

1

1 100 519

100


5 1007 1 10 1581

5 81



APP DENIED 2 6 14 6191 879 1981 464

APP WITHDRAWN

7 1

1 6

801 25

57 975


31 40 575


1 166

7 73



APP DENIED 2 2 8 11108 98 1217 154

APP WITHDRAWN

3

1 1 6

191

69 48 784


1

1

123

59




APP DENIED 1 6 243 452 55

APP WITHDRAWN

1

6

50

511



2 102

4 100




Page 13 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 8 7

1 63

50 673 218

APP WITHDRAWN

4

2 5

330

113 358


1

1

1 60 55

97




APP DENIED 1 9 65 530 147

APP WITHDRAWN

2

1 7

114

41 314



2 68

88 64



APP DENIED 1 3 17 3

1 120

116 738 2361 128

APP WITHDRAWN

3

1 3 7

772

83 485 1508


5

1

1 35 959

206


2 398

4 146



APP DENIED 3 26 5

2 152

278 3376 252

APP WITHDRAWN

3

6 1 9

188

564 82 1681


1

1 1

1 150 315

82 235


3 260

6 107



APP DENIED 1 2 8 6

1 47

142 540 712 216

APP WITHDRAWN

4

5 1 7

191

773 289 1419


1

1

1 2 250

47


5 487 1 20 1402

9 78



APP DENIED 2 4 8 2109 266 727 14

APP WITHDRAWN

2

1 2

111

158 114



3 223 2 54

8 80




Page 14 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 1 23 9

2 104

209 75 1699 121

APP WITHDRAWN

5

4 11

134

440 639


2 74


2 121

12 93



APP DENIED 2 1 24 7

1 101

117 140 1974 243

APP WITHDRAWN

3

1 4 11

117

140 345 1183


1 11

67


4 362

5 94



APP DENIED 3 4 26 11577 262 2033 168

APP WITHDRAWN

2

3 6 15

148

331 515 1257


32 157 224


3 243

4 98



APP DENIED 1 18 362 1444 48

APP WITHDRAWN

2

5 8

76

396 731


13 169 54




APP DENIED 1 3 15 2

1 60

49 151 1070 35

APP WITHDRAWN

1

2 11

1 88 45

99 778


5

1

308

40


1 113

8 92



APP DENIED

APP WITHDRAWN






Page 15 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




APP WITHDRAWN

1

3

15

193



1 57

5 88



APP DENIED 1 1 327 341 25

APP WITHDRAWN





APP DENIED 2 13 9

1 69

230 920 193

APP WITHDRAWN

6

2 6

2 396 362

98 481


2 98




APP DENIED

APP WITHDRAWN 1 39





APP DENIED 1 4 13 657 354 933 230

APP WITHDRAWN

4

2 1 11

211

71 29 777


1

2

1 2 60

550


2 82

19 86




APP WITHDRAWN

2

2

110

116






Page 16 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 1 16 10

1 55

120 95 1237 292

APP WITHDRAWN

1

1 2 3

236

42 156 205


2 110

149


2 145

21 87



APP DENIED 2 1 14 3

1 98

144 36 1533 75

APP WITHDRAWN

1

2 1 10

36

241 40 1005



3 328

12 107



APP DENIED 3 3 9 9

1 56

247 118 734 159

APP WITHDRAWN

8

1 1 4

314

83 20 299


1 50


1 83

88 71

LOANS ORIGINATED


APP DENIED 1 154 55

APP WITHDRAWN

2 109





APP DENIED 1 1

APP WITHDRAWN 1 326



1 201 3412

26 169



APP DENIED 1 2

APP WITHDRAWN 3 566






Page 17 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

APP WITHDRAWN





APP DENIED 1 15 4118 2576 172

APP WITHDRAWN

5

7

276

1053


2 78


1 336

49 67



APP DENIED 3 16 6401 1801 172

APP WITHDRAWN

4

1 2 7

1 100 460

132 294 882


1 90




APP DENIED 4 11 6110 1177 118

APP WITHDRAWN

2

7

273

640



1 70

3 80




APP WITHDRAWN 3 150





APP DENIED 2 1 7 3105 63 909 34

APP WITHDRAWN

1

1 3

50

170 318






Page 18 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 158 41

APP WITHDRAWN





APP DENIED 3 2 8 2279 209 480 35

APP WITHDRAWN

1

4

192

296


2 221




APP DENIED 4 1 18 4

2 78

167 28 1328 112

APP WITHDRAWN

2

1 6

74

113 429


1

1

50

75


2 153 3 128

22 93



APP DENIED 1 12 514 1026 138

APP WITHDRAWN 8

1 124

760


1 11 39 168 131


1 100

37 110



APP DENIED 1 10

APP WITHDRAWN





APP DENIED 2 152

APP WITHDRAWN 5 488


1 55


1 82

15 86




Page 19 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 3 13 6120 142 792 135

APP WITHDRAWN

1

4

65

201


21 25 73


1 69

71 56



APP DENIED 1 4 7

1 24

98 537 90

APP WITHDRAWN

2

3

139

130


21 10 98


1 61

65 82



APP DENIED 4 11 10

1 55

208 714 99

APP WITHDRAWN

4

1 7

202

55 565


1 107


1 53

24 59



APP DENIED 1 1 16 4173 195 1623 239

APP WITHDRAWN 2 1 15161 135 1235


22 85 156


1 84 1 50 501

16 114



APP DENIED 4 1 18 6174 33 1589 209

APP WITHDRAWN

5

1 1 7

385

35 27 749


1 41


1 85

16 68



APP DENIED

1

1 15 1

90

89 1269 35




2 128

54 68




Page 20 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 1 17 10272 96 1467 414



2 35


1 65

9 101



APP DENIED 2 16 13

1 53

117 960 284

APP WITHDRAWN

3

1 2 7

123

47 222 346


1

1

33

47




APP DENIED 1 1 5 179 49 290 25

APP WITHDRAWN 1 8



1 8

12 75



APP DENIED 1 12 623 922 66

APP WITHDRAWN

1

3 4

23

344 317


1 50


2 207

30 88



APP DENIED 2 136

APP WITHDRAWN 2 175



1 81 811

95 25



APP DENIED 3 3 21 6270 198 2175 247

APP WITHDRAWN

4

4 2 17

196

407 184 1386


34 72 147


3 237

9 95




Page 21 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 6 231 42 477 32

APP WITHDRAWN

1

4

74

276



1 132

8 98



APP DENIED 1 12 122 872 8

APP WITHDRAWN 1 1 587 85 473



2 251 1701

37 69



APP DENIED 2 2 4 5105 114 261 125

APP WITHDRAWN

1

2 1 3

65

119 127 176





APP DENIED 2 2 10 4136 100 789 129

APP WITHDRAWN 3 174


1 49


3 126

6 77




1 16

53 126 1385 328

APP WITHDRAWN

4

2 11

192

83 710



1 70

3 89




1 45

354 78 1019 216

APP WITHDRAWN

4

9

214

555


1

1

57

71


1 77

4 92




Page 22 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 13 1341 21 773 183

APP WITHDRAWN

6

1 1 4

175

115 20 187


1

1

20

30


1 50 301

37 63



APP DENIED 1 163

APP WITHDRAWN





APP DENIED 3 1 23 13196 75 1892 213

APP WITHDRAWN

3

1 8

90

33 673


1 30

67


4 253 1051

2 95



APP DENIED 1 12 5244 2185 79




1 242

13 119



APP DENIED 2 1 11 7157 41 719 85

APP WITHDRAWN

1

1 1 7

35

80 59 420



1 95

4 101



APP DENIED 2 2 21 6214 136 2048 162

APP WITHDRAWN

3

3 1 8

243

259 98 697


14 59 98


1 107

5 104




Page 23 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 12 419 1351 48

APP WITHDRAWN

1

1 1 7

19

68 18 441


1 18


1 41

3 90



APP DENIED 1 21 7

1 50

36 2597 117

APP WITHDRAWN 4 1 14333 48 1245


2

1

2 22 100

63


3 377

3 99



APP DENIED 3 12 848 753 76

APP WITHDRAWN

3

1 6

26

61 552


2 70

49




APP DENIED 1 17 435 1818 45

APP WITHDRAWN

1

4 2 18

10

330 198 2245


1 25




APP DENIED 1 25 1020 1739 285

APP WITHDRAWN

6

2 12

210

74 863


11 40 40




APP DENIED 4 2 30 8

1 100

207 52 1924 211

APP WITHDRAWN

3

1 12

193

128 735


1

1

30

53


3 98

7 68




Page 24 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 4 78 411 183

APP WITHDRAWN

3

1 2 4

108

142 176 380





APP DENIED

1

3 14 5

101

287 1423 195






APP DENIED 16 62060 268






APP DENIED 4 1 35 4549 124 4585 147

APP WITHDRAWN 2 2 29154 276 4382


1

1

3 22 85

135


2 308

1 97



APP DENIED 9 1 54 8

1 104

829 77 7766 318

APP WITHDRAWN

2 3

1 4 37

149 81

135 451 4865


12 88 60


8 1296 561

1 121



APP DENIED 7 2 42 81179 263 8278 276

APP WITHDRAWN

1

2 4 36

20

370 1791 7070


1

1

3 40 43

71


601

5 1210 1 25

2 142




Page 25 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 5 6 64 14974 322 9373 756

APP WITHDRAWN

1 6

3 3 48

10 322

497 644 8598


1 20


381

5 1128

2 144



APP DENIED 1 5 94 10172 1193 31359 686

APP WITHDRAWN

2 1

16 75

360 183

4621 22220


2 165

269


13 4428

3 197



APP DENIED 2 8 1641 1767 62

APP WITHDRAWN

1

3 11

225

922 2700


1 5


4 918

2 213



APP DENIED 4 32 2839 8884 170

APP WITHDRAWN

2

5 7 24

433

919 1973 6582


2 437


3201

4 1061

5 232



APP DENIED 3 7 70 2

1 180

724 1939 16074 35

APP WITHDRAWN 4 9 481021 2156 12019


2 346

239


12 2646 1 25

6 200



APP DENIED 2 32 277 6857 321

APP WITHDRAWN

1

1 20

105

172 4869


1

1

5 661 417

95


4 1104 1 150

5 201




Page 26 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 4 37 2231 1074 7696 40

APP WITHDRAWN

1

3 6 38

218

674 1214 6882


1 200


8 1703

8 191



APP DENIED 1 1 23 2107 49 3216 53

APP WITHDRAWN

2

7 11

253

1044 1485


1 13

186


2 372 1 131 1541

5 142



APP DENIED 1 1 19 1

1 54

162 186 2702 60



2 64


2 265

3 158



APP DENIED 2 2 27 4270 252 3865 112

APP WITHDRAWN

2

3 15

281

516 2308


1

1

1 20 80

105


4 596

3 139



APP DENIED 1 2 28 2146 264 4659 116

APP WITHDRAWN 2 3 18336 398 2723



7 1046

5 181



APP DENIED 2 1 25 2326 123 3570 160

APP WITHDRAWN

2

1 2 24

242

224 200 3659


44 330 308


4 640 1 170

8 132




Page 27 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 3 33 6277 482 6378 424

APP WITHDRAWN

1

2 4 20

112

378 931 3417


3 72

172


6 1079

2 149



APP DENIED 2 4 46 4302 1676 9979 235

APP WITHDRAWN

1

4 3 27

100

564 1290 4420


6 197

157


9 2598 1 10 731

4 143



APP DENIED 4 2 42 9406 283 8523 276

APP WITHDRAWN

1

2 3 38

83

245 356 7906


3 235

170 57


4 694 1 230

2 133



APP DENIED 2 29 1060 4842 654

APP WITHDRAWN

1 3

2 1 14

100 63

451 144 2408


2

1

3 29 278

130


5 1047

3 120



APP DENIED 1 18 1

2 112

378 3563 45



2 150


3 667

7 152




APP WITHDRAWN

2

2 3

45

143 295



631

2 115

1 92




Page 28 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 1 15 3108 114 1469 80

APP WITHDRAWN

2

3 9

90

195 806



2 204

1 93



APP DENIED 1 7 170 561 15



1 34


1 86

2 92



APP DENIED 2 11 5186 982 193

APP WITHDRAWN

2

3

165

340



1 181

1 100



APP DENIED 1 18 730 2255 322

APP WITHDRAWN

2

2 3 9

120

330 231 1275


12 120 45


1 82

3 106



APP DENIED 2 7 2115 466 143

APP WITHDRAWN

1 1

2 4

65 19

365 318


2 285




APP DENIED 2 50 6144 10694 297

APP WITHDRAWN

1

1 8 29

24

236 1265 6538


12 45 132


4 1347

6 166




Page 29 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 23 4

1 31

276 199 3895 127

APP WITHDRAWN 1 7 2292 2001 4156


13 178 161


6 672

5 161



APP DENIED 6 28 2

1 271

2984 7918 406

APP WITHDRAWN

3

8 33

585

3802 9332


31 375 677


8 2786

7 406



APP DENIED 2 20 4302 3741 180

APP WITHDRAWN

1

1 1 10

202

110 152 2008


11 153 180


7 1591

3 124



APP DENIED 1 1 21 7

1 51

85 89 1539 138

APP WITHDRAWN

5

4 1 10

448

363 120 806


21 309 165


1 10

8 65



APP DENIED 5 5 23 6

1 48

273 541 1802 98

APP WITHDRAWN

1

4 2 7

70

246 95 527


1 30

54


3 248

3 88



APP DENIED 6 4 44 8770 158 6195 434

APP WITHDRAWN

2

5 4 28

43

615 471 3653


3 101


7 781

2 128




Page 30 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 2 28 9275 168 3856 384

APP WITHDRAWN

3

2 1 20

248

245 119 2279


1

1

2 83 84

64


3 295

2 109



APP DENIED 1 15 6114 1366 216

APP WITHDRAWN

1

1 7

89

46 840



1 65

7 111




APP WITHDRAWN 3 5 29456 878 4076


2 7

547


3 604 2 238

2 137



APP DENIED 2 2 18 794 93 1234 199

APP WITHDRAWN

4

3 7 13

262

208 368 995


31 69 152




APP DENIED 2 1 49 10155 264 6160 384

APP WITHDRAWN 3 1 23511 166 3419


3 12

208


3 312 1781

2 139



APP DENIED 1 2 36 5153 204 3731 52

APP WITHDRAWN

2

1 1 21

155

76 99 2380


12 104 38


6 627

2 97




Page 31 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 6 5132 496 65

APP WITHDRAWN 4 284


2 127


1 53

2 92



APP DENIED 2 10 4165 1362 89

APP WITHDRAWN 7 612


1

1

1 250 78

98


1 50

3 92



APP DENIED 2 2 14 8335 246 2111 407

APP WITHDRAWN

2

1 13

40

174 1255


1

1

1 10 73

65


5 605 1251

4 114



APP DENIED 1 3 27 183 545 4242 32

APP WITHDRAWN

1

2 7 15

135

275 870 2123



2 300

8 155



APP DENIED 1 31 11

1 100

124 4482 852

APP WITHDRAWN

1

2 4 19

148

253 482 3022


21 40 192


9 1954

5 142



APP DENIED 2 2 40 6181 317 5057 88

APP WITHDRAWN

2

1 3 25

225

194 341 2808


3 292


3 281

2 130




Page 32 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 4 1 28 8510 145 3390 309

APP WITHDRAWN 4 3 26674 384 4081


3 64


2 375

2 117



APP DENIED 3 3 21 3400 326 2552 338

APP WITHDRAWN 2 7 16438 652 2284


1 15


4 647

8 117



APP DENIED 1 2 21 458 129 2152 156

APP WITHDRAWN

1

18

86

2026


11 12 70


4 611

7 104



APP DENIED 1 13 8118 1246 274




2 160

2 93



APP DENIED 1 1 14 3102 26 1448 43

APP WITHDRAWN

3

1 7

206

98 542





APP DENIED 3 28 7288 2990 87

APP WITHDRAWN

3

5 1 26

160

520 124 3831


4 310


3 405

3 108




Page 33 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 12 5

1 124

132 106 1426 160

APP WITHDRAWN

1

1 9

130

137 899



1 50

8 83



APP DENIED 3 2 18 6233 157 1856 139

APP WITHDRAWN

1

8

96

816


2 20


5 436

5 102




APP WITHDRAWN

2

2 7

102

175 565


2 156




APP DENIED 2 9 4

1 35

132 944 88

APP WITHDRAWN

2

1 1 8

178

123 100 1000


11 83 83




APP DENIED 5 1 4 4

2 44

449 160 340 169

APP WITHDRAWN

1

3 1 9

1 47 98

273 39 794


2

1

2 101 97

50




APP DENIED 5 1720




1 120

2 236




Page 34 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 17 5249 2979 158

APP WITHDRAWN

1

9

100

1490


1

1 1

92

175 68


1 75

5 142



APP DENIED 4 15 4236 1355 146

APP WITHDRAWN

1

3 1 16

47

440 77 1672



2 268 801

6 107



APP DENIED 1 4 1108 750 115

APP WITHDRAWN 3 250

FILES CLOSED FOR INCOMPLETENESS 1 189 337


1 231

1 129



APP DENIED 4 3 33 31092 592 7241 335

APP WITHDRAWN

2

1 8 25

272

287 1719 5295


3 315


4 911

3 151







1 290

6 195



APP DENIED 2 2 4 295 502 1257 200

APP WITHDRAWN 1 2 1332 800 2573


3 587


1 97

5 149




Page 35 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 4 13 1214 791 7359 359

APP WITHDRAWN

2

1 3 5

1344

261 1252 1787



2 1304

3 336



APP DENIED 1 13152 2555

APP WITHDRAWN

1

1 7

152

700 2397



1 269 1 7

5 141




APP WITHDRAWN 1 69





APP DENIED

APP WITHDRAWN









1 100

2 152



APP DENIED 2 5 23 1

2 160

280 2355 4444 55

APP WITHDRAWN

1

1 1 23

263

65 292 6750


3 447

309


3 815 721

13 120




Page 36 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian






1 25




APP DENIED 15 2

1 98

2009 65



1 40


2 516

6 132



APP DENIED 3 5 4444 490 81




2 196

11 79



APP DENIED 1 2 27 484 114 3981 150

APP WITHDRAWN

1 1

1 14

100 104

113 1788


2 9


1081

2 172

4 111



APP DENIED 2 2 27 11252 125 2358 387

APP WITHDRAWN

1

1 3 14

1 175 68

82 147 1142


1

1

2 15 48

39


3 253 2 80 301

9 96



APP DENIED 1 14 856 1120 147

APP WITHDRAWN

1

7

17

516


1 50


2 208

24 77




Page 37 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 4 31111 923 5310

APP WITHDRAWN

1

1 2 21

143

249 158 3522


2 128


9 1515 3311

5 154



APP DENIED 1 2 26 237 190 4176 41

APP WITHDRAWN

1

1 3 26

5

144 231 3856


2

2

1 132 208

118


1 138

12 137



APP DENIED 4 2 55 8

1 257

811 417 8106 167

APP WITHDRAWN

3 1

3 4 34

1 488 228 119

727 1092 5117


1

1

1 10 123

165


14 2110

7 144




1 52

381 523 10631 734

APP WITHDRAWN

1

1 5 42

292

157 758 8892


2 268

137


2011

11 2307 2 96 2571

5 150



APP DENIED 1 6 43 833 1057 5815 516

APP WITHDRAWN

1

2 4 37

132

473 622 5719


1

1

2 264 93

212


102

2 224

4 119




1 45

888 724 9962 529

APP WITHDRAWN

5 9

5 3 49

392 95

504 231 6856


3

2

1 20 215

143


12 1656

8 132




Page 38 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 7 45 469 1592 7745 51

APP WITHDRAWN

2 1

1 3 32

40 47

140 679 6679


1

1

1 417 140

211


281

6 1107

3 109




APP WITHDRAWN

1

2

65

352



1 10

6 80




APP WITHDRAWN

1

2 4

41

146 448


2 146


1 47

3 118



APP DENIED 1 26 386 4523 189




3 503

3 144



APP DENIED 2 3 52 11325 792 8850 374

APP WITHDRAWN

2 1

2 4 35

120 5

362 674 7503


4 267


731

14 3367 2471

5 138



APP DENIED 2 5 33 5230 1218 4494 69

APP WITHDRAWN

3

4 1 21

1 6 201

381 240 2668


1 15

254 285


5 626 871

10 131




Page 39 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 11115 1006

APP WITHDRAWN

3

1 3

167

49 331



2 40 201

6 102



APP DENIED 2 19 1187 2098 17

APP WITHDRAWN

1

3 16

1 2 73

401 1737


1 8

62


3 278

7 96



APP DENIED

3

3 3 47 14

120

330 210 9039 396

APP WITHDRAWN

2 5

4 3 41

385 100

380 400 7851


1 2

1 2

1 15 48 80

49 216


281

12 2494

2 107



APP DENIED 2 1 20 3259 135 3125 83

APP WITHDRAWN 1 1 15131 135 2330



1 194

6 113



APP DENIED 3 1 34381 300 6673



1 5

142


12 2114

3 162



APP DENIED 5 2 26 3608 141 4147 199

APP WITHDRAWN

2

30

108

4446


1

3

1 1 40

495


5 812 451

7 131




Page 40 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 1 6327 90 488




1 70

4 117



APP DENIED 1 3 29 6

2 182

168 195 4011 226

APP WITHDRAWN

2

1 1 20

45

83 60 2316


1 47

147


6 856

1 119



APP DENIED 1 1 19 1182 100 2733 5

APP WITHDRAWN

1

1 23

125

216 3146


1 41


1 155

2 120



APP DENIED 9 2

2 102

1348 170

APP WITHDRAWN

1

4

1 336 410

359


1 10


1 94

3 93



APP DENIED 2 3 11 2151 147 1134 21

APP WITHDRAWN

1

3 9

44

252 567



1 88

13 75



APP DENIED 2 19 10155 1133 124

APP WITHDRAWN

3

2 1 4

55

162 57 246


11 50 50


3 200

7 86




Page 41 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 16 13

1 1

1067 161

APP WITHDRAWN

5

1 1 7

242

34 30 580


21 13 94


3 125 391

8 75



APP DENIED 5 19 7689 1833 163

APP WITHDRAWN

2

1 14

95

86 1491



1 50

5 97



APP DENIED 1 1 12 432 20 798 64

APP WITHDRAWN

2

1 3

98

52 128


2

1

1 14 92

99




APP DENIED 1 1 14 6

1 20

78 90 1176 247

APP WITHDRAWN

1

1 8

60

29 674


12 87 29


2 270 751

7 97



APP DENIED 2 20 7238 2089 338

APP WITHDRAWN

1

1 13

110

196 1511


1

2

5 70 90

354


5 680

4 119




APP WITHDRAWN 1 61



1 383

4 178




Page 42 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 176






APP DENIED 1 17 5113 1362 101

APP WITHDRAWN

2

1 12

139

77 1318


1 161


1 126

5 116



APP DENIED 3 2 22 7207 109 1956 143

APP WITHDRAWN

4

1 2 5

167

78 186 490


11 10 92


4 454

7 83



APP DENIED 3 5 20 8305 410 2024 170

APP WITHDRAWN

3

2 10

1 75 181

151 1016


2 26


1 105

13 83



APP DENIED 1 5 40 9

2 121

160 537 5735 262

APP WITHDRAWN

2

2 4 28

66

263 344 3648


11 35 550


3 630 1 30

4 135



APP DENIED 2 17 3293 2611 52

APP WITHDRAWN

1

2 1 17

33

255 100 2137


1 20

144 51


3 447

4 129




Page 43 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 18 764 478 2355 308

APP WITHDRAWN 1 1 21110 108 2630


1 25

64


7 629 1 199

2 115



APP DENIED 1 2 38 386 154 5030 124

APP WITHDRAWN

2 1

6 3 18

147 10

745 380 2484


1

1

85

86


7 833

18 126



APP DENIED 1 15 444 1079 120

APP WITHDRAWN

3

2 2 7

1 96 119

188 191 881


22 35 445


4 426 1331

4 74



APP DENIED 2 6 5162 490 124

APP WITHDRAWN

2 1

1 7

162 10

112 704



2 201

3 87



APP DENIED 2 12 460 1037 12

APP WITHDRAWN

1

1 2 7

10

124 307 810


1

1

2 194 100

118


1 132

6 114



APP DENIED 1 9 1136 938 8

APP WITHDRAWN 2 2 8

1 240

206 173 909


1

1

1 25 169

70


1 113

3 100




Page 44 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 9 1534 9

APP WITHDRAWN 1 1

1 227

51 168


3 91


2 80

6 107





1 100

130 102 1238


11 119 40


2 216 2 148

3 119



APP DENIED 5 23 3463 4006 406


1 85

705 1079 2318


22 60 221


5 711 941

4 146



APP DENIED 4 1 15 4636 50 2383 418

APP WITHDRAWN 1 2 8261 228 1088


2 97

45


1 112

6 130



APP DENIED 3 3 30 4475 501 5285 52

APP WITHDRAWN

2

3 6 26

306

545 697 3653


2 96


3 429

3 152



APP DENIED 1 20 3415 4175 285

APP WITHDRAWN

1

1 15

415

170 3482



6 1094 1 10

5 158




Page 45 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 21 3

1 74

595 3709 87


1 1500

281 692 2497


2 50

206


2 285 1 12

5 201



APP DENIED 2 4 20 2338 828 4567 315

APP WITHDRAWN

2

1 4 17

470

156 931 3854


11 114 376


3 534

4 194



APP DENIED 1 3 20 5333 1094 5416 225

APP WITHDRAWN

1

5 13

52

1617 2331


1 20

211


2 312

4 222



APP DENIED 4 27 6469 3889 254

APP WITHDRAWN 1 2 18144 288 2221


2 550


5 717 2 53

4 165



APP DENIED 1 1 19 3191 98 3733 32

APP WITHDRAWN

2

4 16

312

1184 3162


2 60


5 771

7 173



APP DENIED 1 1 19 3215 214 4212 112




8 1948

5 223




Page 46 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 14 1104 2443 60

APP WITHDRAWN 1 2 15186 246 2753



1 206

5 206



APP DENIED 3 29513 6758

APP WITHDRAWN

1

1 7 22

263

184 1285 4683



9 1609

6 218



APP DENIED 6 45 21439 8181 77

APP WITHDRAWN

2

1 8 30

419

128 2005 6243


2

1

3 43 564

146


4 660 1 104

7 193



APP DENIED 1 4 27 3113 452 3252 284

APP WITHDRAWN

1

3 2 13

115

440 163 1335


1 6

169 200


3 487

5 126




APP WITHDRAWN 1 2 13123 209 1852


1 97


1 60

4 135



APP DENIED 1 2 25 4102 411 3493 255

APP WITHDRAWN

1

16

241

2652


1 45


6 837

2 142




Page 47 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 14 6392 1406 149

APP WITHDRAWN

1

3 1 11

3

416 78 1081


1

1

2 150 50

120


13 1311 1551

4 111



APP DENIED 2 2 27 5202 225 3697 194

APP WITHDRAWN 2 2 15337 190 2012


2

1

2 159 456

168


5 688

2 153



APP DENIED 1 29 6

1 85

107 4400 216

APP WITHDRAWN

1 1

3 22

59 15

487 3578


1 20

171


4 472

4 151



APP DENIED 3 3 38 9410 262 5654 260

APP WITHDRAWN

1

1 15

2

126 2227


2 125

143


4 659

2 129



APP DENIED 1 25 2103 4202 20

APP WITHDRAWN 1 3 20123 357 3464


1

1

2 241 136

136


2 263

2 154



APP DENIED 4 19 8420 2082 135



11 20 300


10 941

5 94




Page 48 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 2 24 6196 164 2179 264

APP WITHDRAWN

1

1 15

45

57 1397


3 114

134


3 302

2 111



APP DENIED 2 24 6191 2634 254



3 218


4 383

1 132



APP DENIED 1 25 2

2 136

70 2639 159

APP WITHDRAWN 2 2 18146 303 2300


2 128

96


4 387 1 140

1 122



APP DENIED 4 2 22 6331 46 2503 81

APP WITHDRAWN

3

1 8 25

201

153 897 2933


3 140

106


1 35

7 120



APP DENIED 2 3 13 6173 193 1186 188

APP WITHDRAWN

2

1 6

111

75 604


1 43


501

3 251

3 101




2 100

129 174 1982 370

APP WITHDRAWN

2

1 1 11

113

83 104 1224


1 20


4 309 1181

2 106




Page 49 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 2 11 5258 220 1127 102

APP WITHDRAWN

1

1 2 9

60

79 151 1057



3 224

2 111



APP DENIED 3 1 17 8317 145 1869 407

APP WITHDRAWN 4 2 15453 190 1945


1

1

3 155 95

74


2 83

11 98



APP DENIED 1 2 17 6108 99 1682 241

APP WITHDRAWN

1

2 3 18

75

179 360 1614



2 276

4 113



APP DENIED 31 63200 173



2 35


4 228 1 46

2 117




1 195

351 779 5199 344

APP WITHDRAWN

1

1 2 17

246

182 236 2483


2 151


1 15

1 87



APP DENIED 2 1 31 11216 49 2925 270

APP WITHDRAWN

1 1

1 1 16

81 81

107 70 2065


11 94 70


801

2 201

2 102




Page 50 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 4 11 13230 714 206

APP WITHDRAWN

5

1 1 5

269

76 19 289

FILES CLOSED FOR INCOMPLETENESS 1 158 34


2 104 341

17 69



APP DENIED 1 3 4101 353 60



2 266

55


1 9

11 94



APP DENIED 1 1 8 6

1 35

47 60 402 53

APP WITHDRAWN

2

1 1 3

73

26 28 116



1 28

58 60



APP DENIED 1 1 20 1359 15 1829 201

APP WITHDRAWN

4

2 1 8

286

93 95 422


1

1

1 13 400

95




APP DENIED 4 41 6

1 71

290 3706 107

APP WITHDRAWN

2

4 2 25

129

328 100 2126


13 84 36


4 389 1 30

2 91



APP DENIED 1 4 16 4

1 82

41 210 1464 65

APP WITHDRAWN

1 1

1 5

65 60

60 445


2

1

2 66 85

96





Page 51 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian







1 81

7 83




APP WITHDRAWN

1

2

17

135






APP WITHDRAWN

1

3 1

50

185 31





APP DENIED 2 2 2136 156 6

APP WITHDRAWN

1

1 5

1

20 232





APP DENIED 8 4

1 35

533 162

APP WITHDRAWN

1

8

36

655


2 56

66


1 63

2 84



APP DENIED 2 2 13 5193 149 1105 91

APP WITHDRAWN

1

1 7

35

76 622


12 63 76


781

2 218

18 93




Page 52 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




APP WITHDRAWN

2

1 4

63

75 340



2 198

26 85



APP DENIED 3 12 6330 1512 113

APP WITHDRAWN

1 1

1 12

80 20

66 1714


1 5


2 323

2 118



APP DENIED 2 2 28 4156 110 1804 53

APP WITHDRAWN

2

2 2 9

86

124 118 708


1 51


4 322 1 25

6 95



APP DENIED 2 19 5198 1776 170

APP WITHDRAWN

1 1

3 1 9

83 87

218 74 935


3 122

73


6 534

4 103



APP DENIED 1 1 40 6108 38 3842 52

APP WITHDRAWN

2

1 3 7

152

92 343 548



1 84 1 139

9 101



APP DENIED 1 2 31 3106 155 4909 460

APP WITHDRAWN

1

2 1 16

129

228 93 1900


21 288 221


5 815

3 124




Page 53 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 27 9466 3273 376

APP WITHDRAWN

1

1 12

15

176 1263



1 107

3 131



APP DENIED 1 1 23 678 49 3065 311

APP WITHDRAWN

2

2 2 20

126

343 279 2743


1 40

60


1 97

8 107



APP DENIED 3 18 6399 2635 320

APP WITHDRAWN

1

2 1 15

125

150 75 1793


1 10

139


2 119

2 128



APP DENIED 1 1 45 5146 122 6174 81

APP WITHDRAWN 2 22

2 33

349 2930



1 242

4 125



APP DENIED 1 1 48 1078 174 9360 465

APP WITHDRAWN

2

1 3 27

214

77 469 4562


1 110


7 1304 1 320

5 153



APP DENIED 1 19 5115 2391 371



2 210

92


1341

2 325

2 99




Page 54 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian






1 94


1 67

3 120



APP DENIED 1 3 7 632 241 314 159

APP WITHDRAWN

1

3 5

25

158 306


1 56


441

1 11

12 74



APP DENIED 1 13 731 647 121

APP WITHDRAWN

1

2

31

95



1 92

57 66



APP DENIED 2 3 7 4164 338 524 88

APP WITHDRAWN

2

1 1 3

69

27 26 217


1 106




APP DENIED 1 361 30

APP WITHDRAWN

1 10





APP DENIED 1 8 448 567 90



1 43


1 127

5 78




Page 55 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 21 671 271 2185 204

APP WITHDRAWN

3 1

9

134 45

1183


1 50


1592

2 231

3 97



APP DENIED 2 21 4179 2269 298



1

1

93

121


3 373

2 107



APP DENIED 1 2 34 865 217 4144 399



3 95

426


5 410 2 110 1051

4 90



APP DENIED 1 2 49 587 491 5655 297

APP WITHDRAWN

1

5 12

417

604 1749


3 40


6 544

3 117



APP DENIED 2 9 3240 1324 188

APP WITHDRAWN 1 11





APP DENIED 3 1 6 5409 36 433 100

APP WITHDRAWN 7 596


1 85

50





Page 56 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian






1 20

78


1 150

2 82



APP DENIED 2 16 8106 1055 89

APP WITHDRAWN

2

2 12

55

142 889


1 48


3 209

2 78



APP DENIED 1 31 7

1 20

81 1880 176

APP WITHDRAWN

1

2 15

32

160 955


2 68


3 169

2 79




APP WITHDRAWN



1 11

5 77



APP DENIED 1 111

APP WITHDRAWN



2 247

0 90



APP DENIED 1 13 253 1469 45

APP WITHDRAWN 3 367


2 13


3 448

3 98




Page 57 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 4 2 45 6219 150 5008 174

APP WITHDRAWN

3

4 6 21

143

576 365 2022


1

1

3 127 15

107


6 608 1 20

3 100




2 72

375 445 3695 460

APP WITHDRAWN

6 5

2 1 16

231 373

127 43 1213


3 31


3 253

19 67




1 38

297 69 4673 339

APP WITHDRAWN 1 1 18142 60 1719



6 666

5 99




APP WITHDRAWN 1 48





APP DENIED 2 1 7 7147 30 485 176



1 41




APP DENIED 1 1 8 344 15 616 85

APP WITHDRAWN

2

1

67

35






Page 58 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 6 1 26 13343 30 1398 211

APP WITHDRAWN

1

2 12

55

169 851


2

1

2 48 165

133


3 166 1 3 601

8 93



APP DENIED 1 5 2

1 24

85 272 5

APP WITHDRAWN

1

1 1

1

46 132


1 240


1 47 1 110

24 68




APP WITHDRAWN 4 336



1 35 351

7 98




APP WITHDRAWN

2

1 1 2

56

59 26 138


1 26




APP DENIED 1 7 451 432 50

APP WITHDRAWN 2 166


12 80 45




APP DENIED 1 5 565 315 101

APP WITHDRAWN

2

1

100

65






Page 59 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 2 760 97 87

APP WITHDRAWN

1

1 1

7

42 78


1 25





APP WITHDRAWN

1 12 2


1 15


1 30

72 39



APP DENIED 2 10 779 631 92

APP WITHDRAWN

1

2 1 9

1 188 35

151 36 724


1

1

38

35


2 146 1 10

37 68



APP DENIED 14 51007 159




2 224

20 81



APP DENIED 2 3 1 577 224 45 67

APP WITHDRAWN

4

2 2

188

91 111





APP DENIED 2 9

2 216

165 943




2 240

16 80




Page 60 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 522



11 138 76


2 306

6 147



APP DENIED 13 4

1 52

1754 43

APP WITHDRAWN

2

1 6

199

264 786


1 100


2 528

8 128



APP DENIED 4 3 3433 431 69

APP WITHDRAWN 1 2 1044 228 1969


11 8 770


1 150

15 169



APP DENIED 1 7 649 519 110



1 8

36


1 8

21 86



APP DENIED 3 1 25 6338 39 3017 265

APP WITHDRAWN

1

2 14

122

219 1926


21 20 267


4 670

5 132



APP DENIED 1 15 8106 1385 276

APP WITHDRAWN

2

1 2 13

90

85 217 1390


11 85 138


1 36

6 100




Page 61 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 27 4

1 143

102 4244 225

APP WITHDRAWN 2 4 22212 423 3343



4 510 1 25

12 159



APP DENIED 1 3 22 6219 242 2548 116

APP WITHDRAWN

4

2 2 13

153

200 229 1309


1 72


3 101

8 104



APP DENIED 1 2 17 2125 93 1538 20

APP WITHDRAWN

1

1 9

36

80 974



1 237

7 95




1 53

112 505 4349 470

APP WITHDRAWN

4

3 4 28

296

382 357 3531


1

1

4 249 35

80


3 257

24 117



APP DENIED 4 2 21 3375 193 2601 77

APP WITHDRAWN

2 1

2 2 19

189 172

196 161 1882



1521

1 132

16 95



APP DENIED 4 23 4

1 55

549 3320 73

APP WITHDRAWN

1

1 1 10

56

83 35 1299


3 240


1 95

15 116




Page 62 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 2 19 9

1 60

293 106 2061 416

APP WITHDRAWN

1 1

2 4 15

51 55

192 91 1880


1

2

1 56 26

199


721

1 161 1 49 551

17 84



APP DENIED 1 1 15 9128 224 2255 159

APP WITHDRAWN 2 1 9173 107 1338


3 178


1 159

8 102



APP DENIED 2 1 26 1372 136 4161 80

APP WITHDRAWN

1

5 7 12

109

915 950 1749


15 425 174


4 372 2 80

14 168




1 98

385 672 2997 499

APP WITHDRAWN

1

3 3 17

3

338 185 1978


5 287

343


3 341

8 117



APP DENIED 4 1 23 8289 35 1535 197



2 115




APP DENIED 5 2 47 35376 109 3057 886

APP WITHDRAWN

3 1

5 2 13

92 10

261 35 886


1

1

1 60 16

62


3 160

87 83




Page 63 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 29 1754 2212 330

APP WITHDRAWN

3

5 2 21

161

429 136 1624


1 90

60


2 149 2 85

47 101



APP DENIED 6 1 49 25495 100 4555 503

APP WITHDRAWN

3

1 3 23

143

86 238 1904


1

1

4 122 45

65


4 422

19 98




1 90

432 294 3514 541

APP WITHDRAWN

6

6 3 20

316

598 161 1945


21 78 125


4 282

18 96




2 106

484 214 2354 303

APP WITHDRAWN

4

3 1 14

205

240 32 1508


1 32


3 691

30 100



APP DENIED 5 1 17 9474 65 1105 157



2 40




APP DENIED 4 26 8421 2716 119

APP WITHDRAWN

1

2 4 18

72

194 360 1809


2 18


6 786 1 18 701

17 111




Page 64 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 42 11113 85 3529 368



13 105 56


6 620

9 111



APP DENIED 1 3 22 970 123 1975 164

APP WITHDRAWN

2

2 16

75

225 1286



5 334 1 25

15 97



APP DENIED 4 2 21 10315 96 1561 204

APP WITHDRAWN 3 2 18301 93 1656


1

1

3 32 20

17


3 167

5 106



APP DENIED

1

11 6

80

1162 73

APP WITHDRAWN

2

3 2 8

106

166 72 803


1 59


1 94

5 77



APP DENIED 1 16 5

1 160

120 2920 92

APP WITHDRAWN

3

2 1 7

328

278 162 1211


1

1

1 20 20

160


2 414 1601

2 127



APP DENIED 1 4 4

1 203

112 307 252

APP WITHDRAWN

3

1 9

247

75 1316



1 133

3 90




Page 65 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 11 10

1 80

131 2481 148

APP WITHDRAWN

1

3 9

10

628 1626


1 25

83


3 638

3 145




1 98

697 521 6384 256

APP WITHDRAWN

3

5 5 18

168

840 705 2805


4 232


9 1193 1 40

4 121



APP DENIED 3 2 10 5576 206 1171 142

APP WITHDRAWN

2

1 15

160

93 2091


11 100 98


4 469

2 94



APP DENIED 1 27 3

1 29

53 2920 183

APP WITHDRAWN

1

1 23

45

332 3277


11 18 118


6 981 1 33

3 103



APP DENIED 40 5

1 74

6398 205

APP WITHDRAWN

1 1

2 14

60 97

190 1989


4 280

95 208


4 679

7 96



APP DENIED 26 73389 420

APP WITHDRAWN

1

1 1 30

10

119 96 3068


11 38 96


2 149

3 117




Page 66 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 3 18 3123 141 2099 119

APP WITHDRAWN 1 1 22126 69 2527


2 30


1 83 1 10

8 121



APP DENIED 1 7 5

1 215

36 443 93

APP WITHDRAWN

2 1

1

76 5

31


1 31




APP DENIED 1 15 6

1 46

40 891 83

APP WITHDRAWN

1

8

67

491



2 63

35 57



APP DENIED 2 1 12 8

1 75

356 11 763 174

APP WITHDRAWN

1

1 11

50

220 1036


1

1 1

2 39 141

79 36


1 50

3 88



APP DENIED 1 1 2

1 24

25 15 40

APP WITHDRAWN 1 15


11 30 30




APP DENIED 14 14

1 34

655 204

APP WITHDRAWN

4

1 7

139

37 326


1 37


3 87 241

19 77




Page 67 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 152 5

APP WITHDRAWN

1

1

52

71






APP WITHDRAWN

2

2

91

120





APP DENIED 3 17 7

1 30

246 757 201

APP WITHDRAWN

4

1

128

162


1 6


1 110

56 53



APP DENIED 2 13 9

1 5

118 658 94

APP WITHDRAWN

1

1 14

10

47 936


12 36 31


1 55

7 84



APP DENIED 1 223 6

APP WITHDRAWN

1

1

1 146 23

45



1 30

74 46



APP DENIED 1 1 9 7156 105 934 160

APP WITHDRAWN

2

3 7

181

490 1447


3 244





Page 68 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 6 113 407 30

APP WITHDRAWN

2

2

1 100 83

147





APP DENIED 3 91

APP WITHDRAWN 2 103



1 55

78 52




APP WITHDRAWN 2 120





APP DENIED 5 1253 9

APP WITHDRAWN 1

1 5

30


1 30


1 38

92 71



APP DENIED 3 3 24 13333 173 1748 224

APP WITHDRAWN

5

1 11

183

48 1077


3 50

89


2 126 891

72 82



APP DENIED 1 1 20 139 47 955 10

APP WITHDRAWN 8

3 1645

607


1 93


1 51

70 85




Page 69 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 3 21 4186 142 2575 61

APP WITHDRAWN

1 3

5 7

30 316

353 714


2 30

PA/ARMSTRONG COUNTY/9801.00

1544

1 218

1 75



APP DENIED

1

1 22 2

64

74 2682 86

APP WITHDRAWN

3

1 2 6

226

52 62 635


21 9 210


201

1 70



APP DENIED 4 25 4284 2612 107

APP WITHDRAWN

1

3 6

109

466 996


11 50 50


1 60

2 78



APP DENIED 2 4 16 3316 226 1908 227

APP WITHDRAWN

1

2 2 5

24

260 331 564


2 331


1311

1 79



APP DENIED 6 41 7505 4076 105

APP WITHDRAWN

3

5 23

338

527 2745


3 64

69


2642

5 620 1 5

1 88



APP DENIED 3 6 21 6447 882 2258 183

APP WITHDRAWN

5

2 1 12

404

564 143 1279


3 47


2233

2 130

1 76




Page 70 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

2

1 4 32 6

154

333 271 3124 232

APP WITHDRAWN

3

2 11

215

202 1323


1 3

1

60 312

56


1533

3 266 1 45

1 74



APP DENIED 5 20 7408 1324 177

APP WITHDRAWN

1 4

9

50 328

1150


1 50


2826

1 88

1 85



APP DENIED

1

1 3 46 13

14

66 331 4929 125

APP WITHDRAWN

2 4

1 1 15

112 169

156 120 1821


21 15 190


422

3 597 1 20

2 90



APP DENIED 7 21 18343 1828 498

APP WITHDRAWN

2

1 2 16

63

67 92 1013


13 57 56


4 479 1 30 301

6 65



APP DENIED

3

1 5 30 9

246

97 516 3022 142

APP WITHDRAWN

2 3

1 5 26

271 194

65 248 2301


1 13


702

1 20

3 65



APP DENIED

2

1 2 44 14

1 150 78

85 173 6313 416

APP WITHDRAWN

1

2 26

24

137 4093


1 43 261 75 383


1022

6 988 2 136

1 95




Page 71 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 6 18 3250 575 2069 160

APP WITHDRAWN

3

5

318

497


2 248

424


921

2891

2 101



APP DENIED

1

10 8 22 3

90

1327 410 2176 21

APP WITHDRAWN

3 1

2 5 12

170 33

398 473 1546


1 1

2

1 9 43 133

230


491

3 447 1 34

5 80



APP DENIED 2 2 15 1180 76 1161 338



32 35 225


901

1 95

4 71



APP DENIED

2

1 13 32 10

99

145 1034 3572 199

APP WITHDRAWN

5 9

2 20

251 430

67 2826


2 155


56210

2 242

2 93



APP DENIED 2 5 16 6180 593 1868 45

APP WITHDRAWN

3

3 10

181

234 1205


1 250 185


80513

1 81



APP DENIED 1 1 12 438 25 831 198

APP WITHDRAWN

1

8

98

590


1 29

30


2 112 301

3 82




Page 72 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 10 255 45 599 18



3 37

22


1 85

2 85



APP DENIED

1

1 4 38 5

132

53 581 4133 119

APP WITHDRAWN

1 1

1 14

110 142

129 1881


3 187

42

PA/BEAVER COUNTY/6001.01

6105

4 410

1 97



APP DENIED

1

1 6 2

51

240 549 90

APP WITHDRAWN

1

2

45

253



1 229 1 12

2 106



APP DENIED 6 2 43 7

2 143

487 70 5032 322

APP WITHDRAWN

2

3 4 30

85

342 166 4269


1

1 2

46

81 150


781

8 1167 1061

2 95



APP DENIED 3 3 3 2185 201 184 151




1 57

1 77



APP DENIED 1 60

APP WITHDRAWN 2 68


1 53

PA/BEAVER COUNTY/6004.00 2 77




Page 73 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 27 5

1 40

85 116 3812 300

APP WITHDRAWN

1

11

73

1152


13 30 38


1822

3 436 1 90

3 90



APP DENIED 2 22 7162 2154 301

APP WITHDRAWN

2

3 6

123

457 604


11 70 39


851

1 108 1 70

1 91



APP DENIED

1

1 25 5

25

25 3821 159

APP WITHDRAWN

2 3

1 1 8

13 171

113 97 955


1 25


1262

1 223

2 107



APP DENIED 4 8 68 9393 856 11492 361

APP WITHDRAWN

5 1

5 5 30

1568 45

1156 965 3937


1 1

1

85 123

76


6 688

3 132



APP DENIED 1 6 363 400 200

APP WITHDRAWN 5 446



1 80

3 88



APP DENIED 1 3 8 549 119 638 119




501

1 118

13 83




Page 74 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 1 31 2190 60 3414 63



1 216

354


3 229

3 107



APP DENIED 1 2 19 462 101 1138 132

APP WITHDRAWN

1

7

40

461


1 29


1 58

13 75



APP DENIED 1 15 5

1 86

39 1071 97

APP WITHDRAWN

1

1 1 4

39

85 115 230


1 17

85


3 256 641

29 54



APP DENIED 3 12 8

1 50

92 582 98



21 25 54


2 185 1 15

24 66



APP DENIED 3 19 10136 1527 321

APP WITHDRAWN

6

1 10

276

15 941


22 91 102




APP DENIED 2 2 9 4126 46 662 63




2 115

16 57




Page 75 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 6 5485 311 93

APP WITHDRAWN

2 1

4 1 6

345 25

183 192 447


11 30 192


121

5 70



APP DENIED

1

3 34 3

91

391 3661 28

APP WITHDRAWN

1 1

9

80 40

1113


1 3


771

4 430

3 103



APP DENIED 4 9 58 12370 709 7450 352

APP WITHDRAWN

1 7

1 1 19

154 332

74 53 2924


1 25

15


69911

4 586 151

1 100



APP DENIED 1 2 14 664 123 1217 198



1 3

31


1081

6 558

5 88



APP DENIED 1 1 6 266 55 251 20




1 75

4 75



APP DENIED 2 2 23 13131 154 1621 122

APP WITHDRAWN

3 1

3 10

122 94

158 639


15 252 46


2 192

17 84




Page 76 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 3 287 198 20



1 5

53


1 52

11 90



APP DENIED 5 1 9525 200 1067

APP WITHDRAWN

2

1 6

278

312 632



1 149

3 118



APP DENIED 14 3

1 90

1672 176

APP WITHDRAWN

3

1 5

431

111 817


2 150

108


3 553

5 129




APP WITHDRAWN





APP DENIED 2 32114 5377

APP WITHDRAWN

2

1 1 23

173

55 143 3722


1 260

140


5 714 2352

1 126



APP DENIED 3 1 18 1515 144 2905 15

APP WITHDRAWN 4 3 22762 497 3008



2191

5 708

4 124




Page 77 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




APP WITHDRAWN

1

1 2 5

46

83 134 581


11 20 88


1 100

4 92



APP DENIED

1

5 3 33 3

142

344 360 3810 116

APP WITHDRAWN

1 2

13

70 90

1820


11 10 161


4715

2 196 1091

3 103



APP DENIED 1 15 250 1200 36

APP WITHDRAWN

1

1 5

35

48 454



3 247

27 68



APP DENIED 1 4 22 8123 510 2740 188

APP WITHDRAWN

9

10

700

1984


1 8


1432

3 367 431

2 100



APP DENIED 1 1 24 670 35 3775 457

APP WITHDRAWN

1 1

1 11

155 155

52 1324


12 56 52


2042

5 376

2 124



APP DENIED 3 4 1255 390 15

APP WITHDRAWN

1

2 1

99

527 136



1501

1 92

1 109




Page 78 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

1

1 3 34 4

1 119 102

149 364 4543 80

APP WITHDRAWN

4

1 18

409

59 2220


12 200 102


4 512 1 25 1131

5 112



APP DENIED 4 4 63 8669 531 10314 345

APP WITHDRAWN 4 4 32651 444 5031


34 264 354


991

11 1604 351

4 137



APP DENIED 1 2 28 4

1 44

70 110 2492 160

APP WITHDRAWN

3

1 20

158

92 2076


1 29


2 170

4 96




APP WITHDRAWN

1

1 5

60

126 528


4 186


2 151

3 94



APP DENIED 13 41122 156




1 28

7 81



APP DENIED 2 4 16 6142 173 1840 122



3 149





Page 79 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 4 2 27 6271 179 2870 114

APP WITHDRAWN

3

1 1 15

125

28 192 1669


1 8

73


1 35

2 87



APP DENIED 3 22 3318 3074 128




651

5 559

3 143



APP DENIED 1 1 30 1213 375 6239 10

APP WITHDRAWN

1

4 20

128

791 2876



2 538 1 10

2 130



APP DENIED

1

5 25 3

48

536 3647 231

APP WITHDRAWN

2

2 24

280

129 3162


2 12 20 68 43




APP DENIED 1 1 29 177 140 3053 82

APP WITHDRAWN

1

1 13

91

41 1639


12 33 73


1551

4 392

3 103



APP DENIED 3 1 10 4264 15 635 72

APP WITHDRAWN

1

1 4

48

61 298



3 214

15 64




Page 80 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 18 564 1210 118

APP WITHDRAWN

2

1 2 3

64

47 67 166


2 68


2 89 201

19 77



APP DENIED 1 1 237 56 41

APP WITHDRAWN

1

4

1

225



1 80

10 86



APP DENIED 2 14 545 985 110

APP WITHDRAWN

3

1 6

60

14 541



1 63

33 81



APP DENIED 1 1 5 384 62 201 49



12 96 11




APP DENIED 2 5 6

1 28

41 362 70






APP DENIED 2 13 4228 1059 95

APP WITHDRAWN

2

3 10

169

324 889


1 15

100


1 81

15 83




Page 81 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 16 6189 38 1184 102

APP WITHDRAWN 9 579


1

1

50

57


1 12

9 82



APP DENIED 4 29 10403 3644 304

APP WITHDRAWN

3

4 11

251

396 1176


2 169


4 318 701

3 95



APP DENIED

1

1 2 24 7

55

25 186 3595 339

APP WITHDRAWN

2

1 1 24

104

179 35 3331


22 261 350


4 543

4 115



APP DENIED 2 4 39 11208 342 4498 179

APP WITHDRAWN

1 1

2 18

60 101

222 1993


1

1

1 15 145

72


7 626

3 120



APP DENIED

1

3 5 24 2

52

308 699 4167 8

APP WITHDRAWN

1 2

1 9

294 11

72 1699


1 72


2502

4 611 401

3 100



APP DENIED 2 2 32 8

1 22

224 73 4780 290

APP WITHDRAWN

1 3

2 1 31

10 86

152 20 6164


42 152 307


2142

4 742

2 107




Page 82 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 14 8

1 83

235 1598 331



11 12 49

PA/BUTLER COUNTY/9021.00

1 106

4 105



APP DENIED 1 1 15 438 57 1608 84



22 36 85


1 100

3 72



APP DENIED 3 3 13 5183 162 820 54

APP WITHDRAWN

1

1 1 9

2 90 62

36 62 537


21 13 87


3 232

8 67




APP WITHDRAWN

4

7

85

476


1 98

72


5281

6 69



APP DENIED 4 6 16 6

1 57

316 268 1525 261

APP WITHDRAWN

2

1 1 8

59

64 25 844


5 162


2 142

5 72



APP DENIED 1 16 349 1866 29



1 10

80


6 478

2 112




Page 83 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 2 13 7175 56 1176 203

APP WITHDRAWN

1 1

1 2 9

41 32

121 200 601


11 58 20


2 318 2001

2 75



APP DENIED

1

1 3 16 4

40

310 268 2076 25

APP WITHDRAWN

1

1 3 15

40

211 405 1637


1 5


692

2 272

3 97



APP DENIED 2 1 16200 198 2221



2 43


911

1 133 1 132

2 127



APP DENIED

1

28 7

71

4660 189

APP WITHDRAWN

1 1

1 2 18

5 87

72 228 3127


2 146

157 100


401

2 110 1 18

1 124



APP DENIED 1 12 1135 2256 3



1 14


941

2 464

2 119



APP DENIED

1

1 2 43 11

52

132 51 3568 383

APP WITHDRAWN

4 6

3 27

168 272

215 2504


2 23 88 100 179


1202

7 591 2 51 1752

1 84




Page 84 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

3

4 10 50 13

265

471 798 5588 522

APP WITHDRAWN

4 16

2 4 31

274 1050

236 211 4162


2 4

2

2 82 155 377

126


103613

4 378 1 115 1081

2 81



APP DENIED

1

3 7 55 9

2 304 23

561 769 6702 215

APP WITHDRAWN

4 7

1 4 26

141 485

86 322 4032


2

1

1 15 164

252


50911

10 1468 1121

2 93



APP DENIED 1 1 7 1101 400 1127 17

APP WITHDRAWN

1

2 3

27

205 896



1 92

10 92



APP DENIED 3 188

APP WITHDRAWN

1 68



831

8 83



APP DENIED

2

2 1 29 15

97

271 162 3413 660

APP WITHDRAWN

1 11

2 3 20

95 930

199 572 2792


11 66 115


59410

8 1295 1001

1 88



APP DENIED 1 5 30 425 399 3572 95

APP WITHDRAWN

3

2 20

125

227 2529


1

1

2 19 81

130


2342

1 105




Page 85 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

4

1 3 26 4

1 128 250

164 91 2909 243

APP WITHDRAWN

2 10

16

80 652

2209


1 81

19


2916

5 637 1 150 1412

2 100



APP DENIED 2 3 24 9252 481 3717 318

APP WITHDRAWN

1

1 3 20

10

247 542 3848


14 88 142


7 1172

2 113



APP DENIED

2

3 8 28 15

54

349 729 3885 506

APP WITHDRAWN

2 11

2 16

117 464

264 2102


2

1

3 191 167

61


125919

5 717 1041

1 90



APP DENIED

1

1 3 41 7

117

137 339 6506 302

APP WITHDRAWN

1 5

1 1 18

192 322

164 131 2671


3 65


2544

7 1058 1 15 151

1 97



APP DENIED 2 18 10

1 75

260 2681 506

APP WITHDRAWN

1 3

2 2 13

130 198

264 130 1966


11 9 43


1663

2 164 1 12

5 96



APP DENIED

3

3 4 42 7

1 6 122

362 248 4156 408

APP WITHDRAWN

2 9

2 1 20

86 509

126 145 2378


11 50 28


3788

4 388 531

1 93




Page 86 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

2

3 24 9

1 117 110

170 3627 124

APP WITHDRAWN

1 4

1 4

75 357

48 585


1

1

48

80


4014

2 330

1 101



APP DENIED

1

1 2 32 9

5

164 172 5288 217

APP WITHDRAWN

2

1 1 13

139

161 224 2168


2 63

115


2964

4 639 1 100

1 113



APP DENIED 2 5 37 2326 997 4708 20

APP WITHDRAWN

2

1 4 23

224

136 793 2882


3

1

2 189 104

97


2515

3 457 381

2 100



APP DENIED

1

4 2 26 8

95

902 271 4189 144

APP WITHDRAWN

4 1

3 1 25

220 1

406 130 4960


12 160 147


1682

4 657

2 116



APP DENIED

2

4 2 40 7

1 57 169

458 74 5418 520

APP WITHDRAWN

1 4

5 1 22

50 376

569 185 3902


2

1

1 15 148

130


1512

2 216

1 107



APP DENIED

2

5 3 46 7

1 440 140

557 811 7005 511

APP WITHDRAWN

3 7

2 3 30

225 834

308 716 4960


1 1

1 2

2 80 50 139

139 214


82511

8 1284 1 60 1391

2 114




Page 87 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 23 3160 250 2652 178

APP WITHDRAWN

1

1 6 16

80

166 757 2503


1

1

2 200 70

160


7 989

2 110



APP DENIED

1

7 58 14

47

582 12227 494

APP WITHDRAWN

2 6

5 8 56

474 197

1005 2241 12593


1

4

3 438 173

662


473

11 2299 2 257

5 178



APP DENIED 3 28 6

1 114

460 4512 274

APP WITHDRAWN 6 3 20994 660 3143


12 207 52


7 1193

3 151



APP DENIED 1 15 21 2128 561 2835 85

APP WITHDRAWN

3 17

3 1 8

424 635

433 176 911


1 237


291

3 420

3 126



APP DENIED 1 6 18 3136 587 2673 30

APP WITHDRAWN 3 1 12549 133 1739


2 35

290


5 926

3 141




1 169

194 2947 16321 335

APP WITHDRAWN

2 1

3 13 91

180 2

752 3317 20567


2

1

4 126 149

200


1961

19 4867 1 108

4 167




Page 88 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

1

8 26 111 17

2 276 36

1814 4790 28125 1641

APP WITHDRAWN

4 8

7 18 79

589 406

1173 4683 18831


11 636

557


432

20 4474

2 139




1 116

210 759 12733 964

APP WITHDRAWN

1

3 5 39

97

400 690 6695


2

1 2

3 243 338

173 305


1943

10 1850

1 110



APP DENIED 1 6 42 1427 466 7046 974

APP WITHDRAWN

2 6

1 3 20

17 143

103 1443 4160


1

1

3 143 20

128


1282

4 573

2 119



APP DENIED 3 2 37 6260 84 3600 96

APP WITHDRAWN

4 1

1 21

1 135 310 36

23 2374


1 12 23 23 100

PA/FAYETTE COUNTY/2601.00

5 778 1 172 1611

2 80



APP DENIED 1 5 22 6108 387 3648 168

APP WITHDRAWN

1 2

1 1 10

73 95

68 48 1272


1

1 1

2 85 128

66 33


791

3 386 331

3 84



APP DENIED

1

3 6 20 6

75

211 691 2292 170

APP WITHDRAWN

1 1

1 5

85 89

41 755


2 18


3 454

2 70




Page 89 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 15 1121 1864 55

APP WITHDRAWN

1

1 6

399

128 418



751

1 215

0 92



APP DENIED

3

3 3 31 7

241

397 417 3313 550

APP WITHDRAWN

2 4

1 1 15

109 298

66 70 1702


12 74 65


4015

6 898

1 84



APP DENIED

2

1 9 58 14

4 995 87

53 534 7913 488

APP WITHDRAWN

15 11

1 17

2778 369

349 3080


6 2

1

2 325 1774 46

221


2197

3 385 1 112

1 77



APP DENIED

2

1 1 32 11

86

150 40 2365 286

APP WITHDRAWN

1 2

19

68 173

2326


2

1

1 7 262

16


461

2 123

2 76



APP DENIED 2 1 14 1093 30 1123 165

APP WITHDRAWN

3

1 2 10

94

81 64 924


11 35 99


1 145 1 35

6 64



APP DENIED

1

3 4 22 8

44

141 186 1401 92

APP WITHDRAWN

1

4 4

10

139 205


11 30 30


2 151

6 57




Page 90 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

1

1 2 27 9

119

98 144 2838 362

APP WITHDRAWN

1 1

1 8

50 18

167 989


32 60 363


4816

3 103



APP DENIED 1 1 11 6167 450 914 179

APP WITHDRAWN

1

1 1 9

50

164 203 1252


12 75 112


342

1 141

2 81



APP DENIED 3 23 3333 2540 161

APP WITHDRAWN

1

1 3 4

11

62 447 299


11 60 160


1642

3 330 1 93 2332

2 87



APP DENIED 2 17 936 944 237

APP WITHDRAWN

3

2 6

114

116 424


1 40


1 120

15 69



APP DENIED 1 5 31 21123 370 2387 594

APP WITHDRAWN

3 3

4 11

128 260

488 906



1222

3 232 1 6

5 75



APP DENIED 5 9 24 14270 456 1639 226

APP WITHDRAWN

4 3

4 11

85 192

601 742


1

2

1 25 52

110


4354

4 449 1 10

10 67




Page 91 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 3 23 7126 211 2219 220

APP WITHDRAWN

1

2 9

10

117 871


11 18 116


662

2 225

4 82



APP DENIED 1 3 17 7148 203 1927 95

APP WITHDRAWN

1 5

5

9 134

486



1813

2 157

1 83



APP DENIED

1

1 5 10 4

76

47 121 571 76

APP WITHDRAWN

5

1 5

139

41 367


11 14 41


2885

1 42

8 66



APP DENIED 3 23 6297 2225 142

APP WITHDRAWN

2

1 1 20

116

72 70 1639



801

4 65



APP DENIED 3 17 574 1387 231

APP WITHDRAWN

4

1 2 8

109

106 107 801


13 62 20


4 328 351

10 70



APP DENIED

1

1 2 23 9

58

191 291 4478 126

APP WITHDRAWN

3

1 3 21

60

132 398 3927



1 130 1 40

4 140




Page 92 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 2 9 6217 154 1068 138

APP WITHDRAWN

2

1 1 5

263

39 80 437


1 30

PA/FAYETTE COUNTY/2621.00 8 64



APP DENIED

1

2 14 9

59

189 1187 417

APP WITHDRAWN

2

2 6

198

199 460


2 72


2 226

6 74



APP DENIED 3 3 10 7227 196 807 129



1

1

56

50


2 120 651

31 50



APP DENIED 2 1 21 6321 19 2648 161

APP WITHDRAWN

1 1

3 10

130 19

274 1305


1

1

1 25 110

152


2 170

4 86



APP DENIED 3 28 13192 3165 287

APP WITHDRAWN

2 7

1 12

415 374

103 2254



2104

2 162

3 66



APP DENIED 1 1 8 999 38 705 197

APP WITHDRAWN

3

1 1 5

58

30 160 307


1

1

59

149





Page 93 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

1

2 5 50 18

1 85 34

158 375 6922 405

APP WITHDRAWN

7 10

2 24

1040 563

42 3115


1 275 141


68413

3 378 1001

1 74



APP DENIED 4 8 53 19394 421 5452 665

APP WITHDRAWN

5 6

2 4 19

132 338

75 381 2256


1

1

3 198 8

139


4887

7 607 1 10

3 67



APP DENIED 5 22 14444 1658 251

APP WITHDRAWN

2 1

2 10

52 117

181 650


16 232 54


7067

8 69




2 100

278 394 1427 222

APP WITHDRAWN

4 2

1 12

56 37

49 1323


1 12


732

1 68

7 59



APP DENIED

1

4 7 22 10

89

678 327 2360 334

APP WITHDRAWN

1 7

1 8 15

15 473

33 811 1572


2 12 35 34 16


84412

5 1088 391

2 67



APP DENIED 3 20 7369 2131 252

APP WITHDRAWN

4

8

198

735


1 60


3614

1 147

1 77




Page 94 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 7 633 870 165

APP WITHDRAWN

1 23


1 52




APP DENIED

1

2 1

113

81 53

APP WITHDRAWN

2

1

81

251


PA/WASHINGTON COUNTY/7041.00 30 37



APP DENIED 1 35 13210 5171 384

APP WITHDRAWN

1

1 15

158

144 2382


1 23 270 200 155

PA/WASHINGTON COUNTY/7110.00

401

1 390

2 110



APP DENIED 1 22 11

1 56

59 2624 343

APP WITHDRAWN

2

9

40

926


1 14




APP DENIED

1

1 1 31 18

80

59 39 3992 316

APP WITHDRAWN

2 3

5 1 15

1 80 45 217

570 42 1513


1 14 232 190 144


2 291

3 96



APP DENIED 1 1 14 5119 83 2142 141

APP WITHDRAWN

2

9

25

1027



751

5 778

4 88




Page 95 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 12 4

1 75

134 1350 118

APP WITHDRAWN

2

7

209

699



2 144

8 99



APP DENIED 1 1 39 560 109 5107 143

APP WITHDRAWN 1 2 1565 218 1858


2 146


4 801

2 90



APP DENIED 4 1 27 2

1 215

547 264 5011 82




1041

4 1099

4 104




1 111

75 288 6318 685

APP WITHDRAWN

3

1 3 22

108

158 246 2735


1 2

2 2

5 143 96 268

205 243


6165

3 380 1 135

1 95



APP DENIED

3

2 6 51 10

295

437 410 7944 202

APP WITHDRAWN

7

1 3 15

371

133 363 2294


2 250


80710

4 481

1 100



APP DENIED 3 3 47 5630 763 7259 392

APP WITHDRAWN 1 7 2266 1003 3592


1

1

1 5 153

111


8 1827

2 107




Page 96 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 16 3299 2963 118

APP WITHDRAWN

1

13

83

2590


1 30


5 941

3 129



APP DENIED 1 3 31 3152 512 3890 81

APP WITHDRAWN

1

6 5 17

146

980 844 2248



2 140

4 122



APP DENIED 3 4 7494 925 1989

APP WITHDRAWN

2

4 7

750

635 1441


1 142




APP DENIED 1 3 44 8215 519 5834 115

APP WITHDRAWN 1 2 1898 698 2494


1

3

3 225 38

631


5 561

6 92



APP DENIED 1 14 364 1582 30

APP WITHDRAWN

1

9

8

1549



1 215

3 108






1 295





Page 97 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




2 41

577 53 5493 525

APP WITHDRAWN

2

21

52

3098


1

1 1

1 50 112

210 55


4 584 1 62

11 85



APP DENIED 6 1 32 10494 181 3235 1450

APP WITHDRAWN

2

2 1 18

54

231 72 1918


2 160


2 208

8 102



APP DENIED 3 8 86 11585 1028 14569 316

APP WITHDRAWN

2

4 7 52

68

625 1007 7610


1

1 3

1 15 74

66 348


15 2657 1 326 2061

4 128



APP DENIED 1 4 45 498 989 10861 370

APP WITHDRAWN

1

25

80

5192


1

1

1 30 247

66


1401

6 1188

3 126



APP DENIED 4 38 2

2 449

681 8250 133



1

1

1 7 160

147


7 1302 1 119

3 163



APP DENIED 2 44 2670 9778 10

APP WITHDRAWN

2

2 43

339

360 10018


14 672 200


7 2000

2 188




Page 98 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




1 179

455 1517 23927 1442

APP WITHDRAWN

3

2 8 77

472

528 2615 20103


1

3

4 270 150

1293


17 3784 1 151 4001

3 203



APP DENIED

1

2 1 25 4

25

239 207 2944 26

APP WITHDRAWN

1

1 2 16

4

149 402 2213


1 4

23


1054

2 200 231

3 91



APP DENIED 5 29 10512 3358 156

APP WITHDRAWN

4

1 2 16

154

221 203 1729



591

4 679

7 75



APP DENIED 1 2 38 10157 101 4247 352

APP WITHDRAWN 1 4 20151 526 2563



2 224

4 108



APP DENIED 9 1286

APP WITHDRAWN

1

2

53

478


1 94


1 220

6 139



APP DENIED 3 9 2217 834 106

APP WITHDRAWN

2

1 1 9

1 1 171

26 49 1007


1 49


1 46

11 95




Page 99 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

1

1 4 21 8

32

65 168 1641 104

APP WITHDRAWN

1 2

1 3 14

60 25

88 798 1824



4 320

30 68



APP DENIED 2 2 12 5

1 14

84 54 812 138

APP WITHDRAWN

2

1 1 3

91

56 150 205


1

1

61

42


3 192

19 71



APP DENIED 1 20 387 1925 12


1 100

86 60 1707


21 90 139


1 49

10 80



APP DENIED 3 1 6 3183 49 379 40

APP WITHDRAWN

1

1

44

67





APP DENIED 1 19 7

1 167

175 2352 163

APP WITHDRAWN

1

1 3 14

70

173 340 1885


11 15 112


671

3 453

3 102



APP DENIED 1 1 24117 248 4678

APP WITHDRAWN

1

2 31

417

324 5185


1 9

160


5 956

3 129




Page 100 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 3 28 6180 249 3811 94

APP WITHDRAWN

1 4

2 13

65 166

129 1638


2

1

1 100 129

116


792

4 600

2 103



APP DENIED

1

7 49 7

123

700 7346 180

APP WITHDRAWN

1 3

1 1 17

65 241

88 72 3168


23 229 233


841

5 931 1 215

1 99



APP DENIED 1 4 20 718 399 2513 141

APP WITHDRAWN

5

1 1 17

622

39 105 1658


21 10 259


1292

1 142 1 151

3 82



APP DENIED 2 1 12 2472 17 1180 105



2 189


361

2 202

6 93



APP DENIED 1 1 30 1541 71 2465 593

APP WITHDRAWN

1 2

9

35 158

1021


1 239


4 253 621

4 75



APP DENIED

1

1 4 55 12

50

219 462 8221 437

APP WITHDRAWN

4

2 6 30

267

182 937 5779


23 170 57


102

9 1378 1 80

1 117




Page 101 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

1

2 1 21 6

44

321 43 2646 75

APP WITHDRAWN

2

1 2 12

81

241 111 1517


21 10 111


672

5 531

3 111



APP DENIED 4 13 4218 1041 35

APP WITHDRAWN

2 4

2 3

70 142

136 300


1 22




APP DENIED 3 2 11 8127 169 899 237

APP WITHDRAWN

2

1 1 10

1 112 85

49 84 1171


2 103


1 65 1 27

5 76



APP DENIED 2 1 5 1180 100 511 10

APP WITHDRAWN

1

1

36

214





APP DENIED 5 3 35 11427 240 3649 372

APP WITHDRAWN

1

1 18

31

127 2239


1 8

71


7 608

2 111




APP WITHDRAWN

1

6

1 57 40

413


1 22





Page 102 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




APP WITHDRAWN

1

1 2

25

64 94


1 32




APP DENIED 3 4 29 16350 243 3113 373

APP WITHDRAWN

2

2 1 22

270

195 109 2514


1

1 1

41

55 54


5 521 541

3 97



APP DENIED 1 9 6105 610 95

APP WITHDRAWN 1 3

1 107

160 202


1 25


1 60 1 25

3 77



APP DENIED 2 2 5 10

1 18

74 55 247 154

APP WITHDRAWN

2

4

86

231



1 60

5 66



APP DENIED 2 5 860 510 134

APP WITHDRAWN

1

1 2

37

38 180



2 112

5 69



APP DENIED 2 2 12 3160 43 1656 202

APP WITHDRAWN

1

1 6

23

200 790


11 11 63


201

3 291

2 87




Page 103 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 1 7 5174 72 602 214

APP WITHDRAWN

1

2 5

15

289 519



952

3 310

2 82



APP DENIED 1 2 18 3

1 13

332 390 2165 250

APP WITHDRAWN

3 1

9

270 175

1205



2 245

5 89



APP DENIED 3 1 8 1

1 79

295 71 634 50

APP WITHDRAWN

1

1 1

71

95 95


1 11 55 90 95




APP DENIED 1 4 6290 312 278

APP WITHDRAWN





APP DENIED 3 25 9166 2631 308

APP WITHDRAWN

1

1 2 14

33

152 159 1524


3 39

64


81

7 716 1 35

1 86



APP DENIED 1 2 7 7

1 5

36 240 428 113

APP WITHDRAWN

1

1 7

52

76 583


1 43


621

4 62




Page 104 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 6 98

APP WITHDRAWN


PA/WESTMORELAND COUNTY/8001.00 26 44




APP WITHDRAWN

1

1 4

75

64 224


1 50

PA/WESTMORELAND COUNTY/8002.00

1 54

21 58



APP DENIED 1 11 626 756 96

APP WITHDRAWN

2

3 10

84

141 626



1 61 1 11

8 84



APP DENIED 2 14 456 969 81






APP DENIED 4 26 4

1 40

311 3326 55

APP WITHDRAWN

1

2 5 13

53

159 495 1397


11 20 53


1 84

4 116



APP DENIED 1 12 4

2 255

50 799 158

APP WITHDRAWN

2

1 5

170

43 287


1 5


2 177

21 66




Page 105 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 9 10126 688 203






APP DENIED 1 14 860 1195 91

APP WITHDRAWN

3

4

85

319


12 141 30




APP DENIED 1 2 14 6100 76 1522 124

APP WITHDRAWN

2

1 2

36

48 146


1

1 1

1 50 50

78 61


1 90 1 10

10 72



APP DENIED 4 2 26334 204 2821

APP WITHDRAWN

1

4 13

61

424 1536



6 1006

1 105



APP DENIED 1 3 22 4

1 28

98 242 2481 117

APP WITHDRAWN

1

2 9

43

95 977


11 69 28


1002

1 261

4 108



APP DENIED 2 1 30 8209 270 4187 400



1

1

1 14 75

128


1431

4 532 1 13

2 106




Page 106 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 4 47 4223 374 6730 480

APP WITHDRAWN

1

3 20

108

427 3739


1 1

2

2 272 32 112

94


1633

6 961

2 108



APP DENIED 3 5 39 12360 340 3863 405

APP WITHDRAWN

1 1

3 2 24

75 60

204 53 3195


1

1

2 95 151

157


1003

8 1117 981

2 94



APP DENIED 2 10 7112 831 149

APP WITHDRAWN

5 1

3 7

343 127

101 699


1

1

2 316 38

62


2 152

4 85



APP DENIED 1 3 5 676 100 337 135

APP WITHDRAWN

3

1 1 4

155

47 34 353


2

1

1 45 79

28


1 71

4 64



APP DENIED 3 11 685 673 172

APP WITHDRAWN

1

1 2

25

44 131





APP DENIED 3 1 21485 255 2738



1 160


1 165

4 99




Page 107 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

1

2 4 26 9

26

199 310 3841 371

APP WITHDRAWN

5

2 16

345

193 2157


1

2 1

3 103 79

168 106


1531

3 430 1 43 431

1 101



APP DENIED 1 3 26 3124 308 2636 18



12 76 80


913

4 163

1 107



APP DENIED

1

2 12 45 22

47

183 866 4835 786

APP WITHDRAWN

4 5

3 2 24

186 113

230 375 2607


1 1

1 3

2 90 75 96

57 342


2815

4 413 1 23 104 2381 2

2 86



APP DENIED 1 4 47 769 188 6366 219

APP WITHDRAWN

1 2

1 26

25 79

123 3633



1023

4 565 1 100

2 84



APP DENIED 3 27 1697 4156 2

APP WITHDRAWN

1

5 11

88

1279 1461


1

3

3 123 440

541


2 461

3 138




2 122

427 559 8704 1083

APP WITHDRAWN

4 1

3 2 50

304 45

534 408 9233


2

1

2 55 491

120


9 1455 1 35

4 125




Page 108 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED

1

2 3 31 7

1 512 512

173 883 8127 163

APP WITHDRAWN

2 1

2 4 23

188 49

228 1112 4235


2 517


9 2469

7 182



APP DENIED 1 35 9141 8803 849

APP WITHDRAWN

2

2 3 31

575

376 892 7410


2 218

83


4 1068

4 155



APP DENIED 1 3 11 2108 672 2093 13



1 50


1 130

6 155



APP DENIED 6 4 20 81034 523 2041 164

APP WITHDRAWN

2

7 1 12

364

1252 75 1239


1

1

4 65 89

68


5 645 1 15

2 86




1 135

114 425 6975 705

APP WITHDRAWN

2

4 6 26

240

1100 1590 5271


15 106 200


10 1442 1 13

2 118



APP DENIED 3 7 59 6

2 343

587 1021 8430 192

APP WITHDRAWN

2

3 6 47

91

561 1016 8191


4 343

87 205


51

13 2649

2 134




Page 109 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 37 6237 4407 309

APP WITHDRAWN

1 2

2 27

70 124

158 3783



772

4 500

1 97



APP DENIED 2 2 15 6172 90 1002 177

APP WITHDRAWN 7 465


12 78 48




APP DENIED 6 2 36 14388 92 3031 460

APP WITHDRAWN

5 1

2 1 19

1 81 344 60

209 90 1322


22 65 139


4 221

5 79



APP DENIED 1 1 14 554 60 1290 303

APP WITHDRAWN

1

14

84

1533


12 9 129


4 457 1 105

2 89




APP WITHDRAWN

4

2 1 2

163

170 29 179



3 126 111

17 64




1 40

143 340 4785 391

APP WITHDRAWN

2

3 2 27

58

325 158 4247


2 138


8 1719

2 113




Page 110 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 6 2 19 12531 167 2220 194

APP WITHDRAWN

1

5 2 16

270

546 264 2052


2 49


71

3 262 1 25

4 88



APP DENIED 1 2 42 1193 358 5489 509

APP WITHDRAWN

2

2 16

159

251 1846


3 45

133


921

4 536 2 30

1 99



APP DENIED

1

1 16 7

40

81 1976 107






APP DENIED 3 39 9584 5109 271

APP WITHDRAWN

1

5 27

6

473 3927


1

2 1

2 52 94

322 323


3 594

2 111



APP DENIED

1

1 2 36 3

12

285 633 6938 65

APP WITHDRAWN

1

1 1 20

225

108 212 3586



1 375

1 102



APP DENIED 4 1 27 5588 69 5247 154

APP WITHDRAWN

1

3 18

69

537 4061


1 14

64


5 1245

1 105




Page 111 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 6 7 71 17647 921 11953 839

APP WITHDRAWN

2 1

4 3 39

146 135

548 456 6304


2 50

332 1009


12 1548 1 9 901

2 118



APP DENIED 2 13 647 1145 90

APP WITHDRAWN

3 1

1

192 16

90


2 23

20


1142

2 154 201

2 86



APP DENIED 2 4 36 6280 556 4976 308

APP WITHDRAWN

1

1 2 20

23

178 152 2744


41 20 230


1372

2 283 1 15

2 120



APP DENIED 4 42 11475 6244 328

APP WITHDRAWN

4 2

4 2 27

377 45

799 408 4206


1 23 21 127 131


1321

4 572 1 132

3 104



APP DENIED 4 2 36 8

3 267

470 167 3935 460

APP WITHDRAWN

4

2 5 24

420

243 956 2845


3

1 1

3 64 265

119 134


6 942 2 65

7 103




APP WITHDRAWN

2

3 1 2

145

202 50 147


1 50





Page 112 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 2 16 7309 90 1541 182

APP WITHDRAWN

2

1 2 4

90

121 167 385



4 161 1 89 621

9 63



APP DENIED 3 6 34 6

3 146

358 555 4228 266

APP WITHDRAWN

7

2 15

475

304 2047


2 279


3 377

5 85



APP DENIED 1 12 4

4 389

143 891 190

APP WITHDRAWN

1

2 7

75

177 626


1 25


2 179

4 93



APP DENIED 15 5

3 177

1411 138

APP WITHDRAWN

3

1 2 5

205

135 170 597


2 14


5 580

2 101



APP DENIED

1

3 22 8

77

410 4069 234

APP WITHDRAWN

1

1 16

15

358 3251


11 20 358


5 736 1 70

3 129




1 125

92 167 4336 607

APP WITHDRAWN

2

6 16

152

672 2778


1 13 27 588 100


1 315

4 121




Page 113 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 33 1010 3008 177

APP WITHDRAWN

1 2

1 1 8

68 195

61 35 787


1 15


2 180 1 15

15 93



APP DENIED 2 29 4255 3342 220

APP WITHDRAWN

1 1

2 14

18 18

314 1630


1

1

3 109 45

43


1542

1 112

2 118



APP DENIED

1

4 2 29 4

62

479 305 3531 17

APP WITHDRAWN

3

1 1 13

200

155 62 1641


13 104 62


1375

7 1017

4 111



APP DENIED 3 1 11 2463 32 1649 11

APP WITHDRAWN

1

3 1 2

32

247 84 207



41

2 320 1 65 221

4 77



APP DENIED 5 31 4237 5265 84

APP WITHDRAWN

2

1 1 26

38

132 251 3983


1

2

1 6 110

270


461

5 949 1 25

2 111




2 120

194 563 4690 579

APP WITHDRAWN

1 3

2 1 20

1 38 35 291

357 108 2783


4 31


2542

8 1433 1 20

2 88




Page 114 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian




1 51

88 198 1833 217

APP WITHDRAWN

1 2

1 1 13

20 124

39 47 1678



4586

3 536

1 87



APP DENIED 2 2 16 6185 112 1822 176



1 32


1162

3 680

1 76



APP DENIED 13 4

1 14

971 56

APP WITHDRAWN 3 220


1 19




APP DENIED 2 9 1058 626 115

APP WITHDRAWN

3

4

56

250





APP DENIED 1 2 23 10117 136 2183 112

APP WITHDRAWN

1

16

120

1440


1 52

144


4 390

6 87



APP DENIED 2 6 3155 658 26

APP WITHDRAWN

1

5

49

382


1

1

3 48 60

59


481

1 140

3 84




Page 115 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 2 2 32 4175 289 4564 239

APP WITHDRAWN

1

1 1 15

155

96 200 2410


1

1

2 68 5

91


781

3 416

6 82



APP DENIED

1

2 11 69 7

1 70 39

266 747 13813 553

APP WITHDRAWN

7

4 4 22

293

937 449 3532


32 82 292


3 548

3 107



APP DENIED 1 21 764 2101 82



11 6 68


2 70

3 87



APP DENIED 4 27 5231 2893 190

APP WITHDRAWN

1 4

5 10

75 228

487 1499


1 73


1 191

2 82



APP DENIED 1 3 19 861 298 2473 96

APP WITHDRAWN

2 1

7

18 140

775



2793

1 80

2 84



APP DENIED 2 18 2183 1620 40







Page 116 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 1 2 20 6

1 37

76 230 2423 252

APP WITHDRAWN

2

1 1 7

230

48 68 718


11 4 64


231

2 218

2 90



APP DENIED

1

2 26 8

1 41 27

61 3470 242

APP WITHDRAWN

1 2

16

41 18

2112



1855

2 180 1 70

2 89



APP DENIED 5 12 3

1 70

317 1669 55

APP WITHDRAWN

3

6

166

793



942

3 358

1 77



APP DENIED 20 81717 305

APP WITHDRAWN

2

3 10

124

319 1328


1 50

71


2 135

3 94



APP DENIED 1 1 8 564 16 584 88

APP WITHDRAWN

1

1 5

2

79 358


1

1

1 60 60

52




APP DENIED

2

1 4 16 8

103

206 201 2112 106

APP WITHDRAWN

2 5

1 1 12

59 241

39 215 1394



5 824 561

2 71




Page 117 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 23 6

1 188

119 3311 202

APP WITHDRAWN

2

2 6

95

139 766


1 112


1682

4 499 1 187

1 91



APP DENIED 2 16 6213 1858 185

APP WITHDRAWN

1

2 9

95

148 1054


11 55 60


461

2 80 1 10

1 98



APP DENIED

1

2 8 56 19

5

313 1633 8703 937

APP WITHDRAWN

5 1

32

1 2240 284 33

6080


1

1

2 110 194

118


5 971

2 114



APP DENIED

1

3 2 33 16

79

321 494 4461 562

APP WITHDRAWN

3 2

2 20

488 149

277 2446


1 35


3 572 1 116

1 88



APP DENIED 1 17 6137 2204 563

APP WITHDRAWN

1 1

2 6

94 156

108 646


21 12 102


911

3 427

1 87



APP DENIED 1 1 41 8153 113 8471 524

APP WITHDRAWN

1

2 1 29

83

471 109 5490



10 1708

3 119




Page 118 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 1 12 3

1 125

275 18 899 73

APP WITHDRAWN

3 1

1 7

210 18

65 565


1

1

1 45 60

35


1 76

2 95



APP DENIED 4 3 21 6306 172 1816 240



1 35


2 213 1 90

1 82



APP DENIED 1 23 575 2574 78

APP WITHDRAWN 1 2 14107 215 1241


1

1

95

198


3 389

1 94



APP DENIED 3 3 21 1341 276 1741 4

APP WITHDRAWN

1

1 1 10

58

69 63 856


1 166

50


61

3 265 1 98

1 83



APP DENIED

1

3 5 49 8

97

192 550 6883 196

APP WITHDRAWN

3 3

4 31

416 192

300 4119


1

1

1 213 32

109


3263

6 367 1 3

1 87



APP DENIED 3 3 31 19322 114 3245 437

APP WITHDRAWN

1 4

1 1 11

40 204

83 52 1263


1 52


2105

3 268 451

4 90




Page 119 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian



APP DENIED 3 19 9270 1687 174

APP WITHDRAWN

3 2

2 9

387 166

53 653


12 47 28


2 215 1 10

1 80



APP DENIED 5 3 38 8439 370 4112 237

APP WITHDRAWN

1 3

1 2 18

135 252

234 817 2833


1 30

109


4037

5 528

2 75



APP DENIED

1

2 3 55 8

15

169 256 8547 205

APP WITHDRAWN

4 1

3 27

564 161

1345 5054


2

2 1

4 154 386

227 49


41

8 1204 3 468 65 1481 1

1 99



APP DENIED 3 12 1

1 240

259 1485 20

APP WITHDRAWN

2

1 4

285

300 369


21 5 199


2 293 1 20 1401

1 90



APP DENIED 1 2 36 8

1 60

88 110 5763 330

APP WITHDRAWN

6 2

1 2 14

1310 50

70 175 1967


1 21 7 100 213


221

2 300 1 35

1 83


APPROVED, NOT ACCEPTED 354 825 3622 553 1041321 127508 512411 23690 9414

APP DENIED

97

987 1484 14647 4209

200 18250 6435

108718 163856 1935632 135716

APP WITHDRAWN

1019 512

785 1107 8639

49 12027 84210 29304

93375 167574 1239934


9 389 106

177 192

809 41703 2138 39202 9117

19230 24353

MSA/MD(TOTAL)

30170456

1866 270495 158 9537 1360 7692 21144 75 30

0 0




Page 120 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian

LOANS ORIGINATED


APP DENIED

APP WITHDRAWN


INVALID GEOGRAPHIC IDENTIFIERS 2/ 0 0




Page 121 of 121





Families




A B C D E F

Home Purchase Loans




G

Number $000's

%MinPop4/

MedianIncome As

PCT ofMSA/MDMedian


PA/ALLEGHENY COUNTY/0201.00 12 32292 400


PA/ALLEGHENY COUNTY/0305.00 3 6 2364 843 241






PA/ALLEGHENY COUNTY/0409.00 8 7 412 1473 616 689 356







PA/ALLEGHENY COUNTY/0703.00 11 13 2 23 715 3325 3259 405 306












AGGREGATE TABLE 2: LOANS PURCHASED, BY LOCATION OF PROPERTY AND TYPE OF LOAN, 2009


Page 1 of 27


CENSUS TRACT OR COUNTY NAME 1/(STATE/COUNTY/TRACT NUMBER)

FHA, FSA/RHS & VA Conventional



Families

Nonoccupant LoansFrom Columns A, B, C

& D


A B C D E F

Home Purchase Loans


Loans on ManufacturedHome Dwellings From

Columns A,B,C & D

G

Number $000's































Page 2 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 3 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 4 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 5 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's











PA/ALLEGHENY COUNTY/4120.01 53 103 2 116 3431 11893 24102 183 132 1 44




















Page 6 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 7 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 8 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 9 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 10 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 11 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 12 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 13 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 14 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's



























PA/ARMSTRONG COUNTY/9801.00 93 204 1202




Page 15 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's


PA/ARMSTRONG COUNTY/9803.00 2 7 15 425 193 613 80

PA/ARMSTRONG COUNTY/9804.00 4 11 2380 1451 167

PA/ARMSTRONG COUNTY/9805.00 4 26 19 949 246 2915 91 2 270















PA/BEAVER COUNTY/6001.01 9 24 16 777 1205 3550 130 5 587

PA/BEAVER COUNTY/6001.02 4 12 358 786 296

PA/BEAVER COUNTY/6002.00 5 28 114 1669 331 3618 32

PA/BEAVER COUNTY/6003.00 15 346 62


PA/BEAVER COUNTY/6005.00 4 11 12 196 201 1040 57 2 232


PA/BEAVER COUNTY/6006.02 1 172 217 104 3096

PA/BEAVER COUNTY/6007.00 21 36 2 218 2109 2768 5799 376 30




Page 16 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's


PA/BEAVER COUNTY/6009.00 2 36 533 164 237

PA/BEAVER COUNTY/6010.00 8 1915 1418 387 2151

PA/BEAVER COUNTY/6011.00 2 5 23 221 86 411 80


PA/BEAVER COUNTY/6013.00 2 4 12 86 74 216 32

PA/BEAVER COUNTY/6014.00 128 594 894


PA/BEAVER COUNTY/6016.00 1 82 120 44 726

PA/BEAVER COUNTY/6017.00 6 1412 1359 649 1736

PA/BEAVER COUNTY/6018.00 15 24 212 1526 2241 3332 167 1 169

PA/BEAVER COUNTY/6019.00 5 116 595 304 1283

PA/BEAVER COUNTY/6020.00 1 31 31 59 227

PA/BEAVER COUNTY/6021.00 5 14 1 18 532 236 1026 15 64

PA/BEAVER COUNTY/6022.00 2 7 18 672 172 811 88

PA/BEAVER COUNTY/6023.00 12 12 511 1544 1422 1381 444

PA/BEAVER COUNTY/6024.00 2 36 724 50 424

PA/BEAVER COUNTY/6025.00 3 11 70 568 80

PA/BEAVER COUNTY/6026.01 9 3716 2719 1148 5215

PA/BEAVER COUNTY/6026.02 9 19 17 968 1501 2167 188

PA/BEAVER COUNTY/6027.01 2 13 17 695 151 1571 86

PA/BEAVER COUNTY/6027.02 2 204 450 201 2699

PA/BEAVER COUNTY/6028.00 1 63 230 10 670

PA/BEAVER COUNTY/6029.00 5 123 333 658 2245 1 130

PA/BEAVER COUNTY/6030.00 4 16 16 438 367 2850 49


PA/BEAVER COUNTY/6032.01 6 30 2 311 1284 817 3863 114 397




Page 17 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's

PA/BEAVER COUNTY/6032.02 18 5922 3362 2753 10680

PA/BEAVER COUNTY/6033.00 4 2016 1437 260 2012

PA/BEAVER COUNTY/6034.00 1 6 1 25 427 43 557 65 158


PA/BEAVER COUNTY/6036.00 2 13 118 1879 201 1603 33

PA/BEAVER COUNTY/6037.00 9 238 592 501 2048 1 57

PA/BEAVER COUNTY/6038.01 4 32 110 1178 432 4177 61 2 314

PA/BEAVER COUNTY/6038.02 11 353 631 1410 6368

PA/BEAVER COUNTY/6038.03 3 17 17 796 245 2794 23

PA/BEAVER COUNTY/6039.00 2 29 113 1117 163 2966 10

PA/BEAVER COUNTY/6040.00 5 17 398 261 27

PA/BEAVER COUNTY/6041.00 1 9 34 197 28 612 195

PA/BEAVER COUNTY/6042.00 4 23 150 106 116 1 10

PA/BEAVER COUNTY/6043.00 1 8 24 220 124 455 133

PA/BEAVER COUNTY/6045.00 2 21 58 28 28

PA/BEAVER COUNTY/6046.00 2 11 28 761 86 1010 99

PA/BEAVER COUNTY/6047.00 10 1 16 458 568 30 36

PA/BEAVER COUNTY/6048.00 8 18 127 3421 843 1742 81

PA/BEAVER COUNTY/6049.01 5 265 411 369 3187

PA/BEAVER COUNTY/6049.02 9 31 127 3020 593 3763 66

PA/BEAVER COUNTY/6050.01 5 123 386 787 2659 1 133

PA/BEAVER COUNTY/6050.02 2 193 313 144 3055

PA/BUTLER COUNTY/9021.00 8 65 521 491 673

PA/BUTLER COUNTY/9022.00 2 5 19 934 113 296 14

PA/BUTLER COUNTY/9023.00 3 10 110 603 174 815 39

PA/BUTLER COUNTY/9024.00 1 37 697 106 128

PA/BUTLER COUNTY/9025.00 3 129 843 227 1017




Page 18 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's

PA/BUTLER COUNTY/9026.00 7 18 1 112 1680 485 2200 128 28

PA/BUTLER COUNTY/9027.00 6 9 26 616 426 895 156

PA/BUTLER COUNTY/9028.00 5 25 19 1065 687 3518 142

PA/BUTLER COUNTY/9029.00 2 133 382 303 2100 1 91

PA/BUTLER COUNTY/9030.00 11 30 118 2113 686 5009 112

PA/BUTLER COUNTY/9031.00 4 21 1348 2558 101

PA/BUTLER COUNTY/9101.00 2 179 899 155 1990 1 77

PA/BUTLER COUNTY/9102.00 4 26 18 1266 275 3595 110 1 51

PA/BUTLER COUNTY/9103.00 13 57 2 315 2375 1178 8486 67 273 1 45

PA/BUTLER COUNTY/9104.00 5 32 245 600 646

PA/BUTLER COUNTY/9105.00 1 31 83 140 522 1 83

PA/BUTLER COUNTY/9106.00 5 36 1637 4622 123 2 282

PA/BUTLER COUNTY/9107.00 3 9 12 213 387 1067 104

PA/BUTLER COUNTY/9108.00 8 21 14 638 841 2364 69

PA/BUTLER COUNTY/9109.00 22 2811 1737 2991 5595

PA/BUTLER COUNTY/9110.00 6 44 25 676 796 6857 182 1 125

PA/BUTLER COUNTY/9111.00 7 275 822 868 4554 1 16

PA/BUTLER COUNTY/9112.00 2 20 19 1580 244 2859 25

PA/BUTLER COUNTY/9113.00 2 19 1 16 714 160 2772 25 10

PA/BUTLER COUNTY/9114.00 5 14 17 1352 530 1904 125 2 322

PA/BUTLER COUNTY/9115.01 10 34 27 1148 1051 5416 255

PA/BUTLER COUNTY/9115.02 6 287 1070 1059 4540

PA/BUTLER COUNTY/9116.00 6 34 213 1968 553 6781 390

PA/BUTLER COUNTY/9117.00 4 3713 1875 408 6015

PA/BUTLER COUNTY/9118.00 23 63 1 121 3351 3767 11263 243 84 1 87

PA/BUTLER COUNTY/9119.00 11 347 1119 758 4558

PA/BUTLER COUNTY/9120.00 60 123 1 230 6859 9209 28336 165 327 1 41




Page 19 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's

PA/BUTLER COUNTY/9121.01 21 48 1 321 3369 2486 7528 70 205

PA/BUTLER COUNTY/9121.02 13 2218 3127 1409 2570

PA/BUTLER COUNTY/9122.00 13 3118 2637 1795 4871

PA/BUTLER COUNTY/9123.00 60 150 3 439 7933 11017 37275 702 728

PA/BUTLER COUNTY/9124.00 82 161 229 5839 20641 41447 485 2 311

PA/BUTLER COUNTY/9127.00 28 73 1 221 3915 3911 13972 31 76

PA/BUTLER COUNTY/9128.00 7 417 1188 633 7288 1 30

PA/FAYETTE COUNTY/2601.00 4 1812 1073 396 1643




PA/FAYETTE COUNTY/2604.02 6 18 16 716 508 2309 200 2 262




PA/FAYETTE COUNTY/2608.00 6 13 15 339 336 1239 42




PA/FAYETTE COUNTY/2612.00 52 127 247











Page 20 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's






PA/FAYETTE COUNTY/2625.00 3 16 2 11 200 385 1536 264 105 3 264









PA/WASHINGTON COUNTY/7110.00 3 2011 1225 269 3355

PA/WASHINGTON COUNTY/7127.00 3 10 18 508 162 1063 74










PA/WASHINGTON COUNTY/7413.00 38 37 1 331 4919 4644 5091 114 238





Page 21 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's


PA/WASHINGTON COUNTY/7422.00 51 170 534





























Page 22 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's




















PA/WESTMORELAND COUNTY/8002.00 3 1 14 250 149 43 43

PA/WESTMORELAND COUNTY/8003.00 5 95 306 154 591










Page 23 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's

PA/WESTMORELAND COUNTY/8010.01 10 21 1 224 3038 810 2067 13 121





PA/WESTMORELAND COUNTY/8014.00 71 59 412

























Page 24 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 25 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's































Page 26 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's



PA/WESTMORELAND COUNTY/8084.00 10 35 1 49 1365 1530 5680 22 468 1 80



MSA/MD (TOTAL) 4876 12574 236 5266106 758177 661817 1897969 24210 54533 73 7578

INVALID GEOGRAPHIC IDENTIFIERS 2/




Page 27 of 27






Families


& D


A B C D E F

Home Purchase Loans



Columns A,B,C & D

G

Number $000's

BORROWER CHARACTERISTICS

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 4 10 317 2568 511 2117 419 7 780 5 642 11 1404

ASIAN 40 187 68252 52954 6616 38364 14191 99 21372 152 30519 136 30376

BLACK OR AFRICAN AMERICAN 184 75 3 46153 22120 19142 10775 227 6274 119 10987 144 16595 236 26048

NAT HAWAIIAN/OTHER PACIFIC ISLND

6 3 313 2127 1109 491 767 2 342 7 1339 6 1060

WHITE 4908 8182 45 303112124 1974843 672658 1401904 8289 514311 4073 642842 6723 1048265 8363 1241762

2 OR MORE MINORITY RACES 2 61 74 239 1065

JOINT (WHITE/MINORITY RACE) 34 76 23111 22080 5359 16519 4363 30 5124 52 8869 78 12343

RACE NOT AVAILABLE 6/ 1807 1474 8 4142363 414923 246442 286772 2037 68728 1132 170327 931 150469 501 82429

ETHNICITY 7/

HISPANIC OR LATINO 32 59 1665 10932 4772 9154 2912 20 3491 35 5924 39 6120

NOT HISPANIC OR LATINO 5127 8387 46 314112438 2045368 697605 1445168 8305 535607 4317 679572 7019 1095939 8724 1295718

JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)

44 67 2190 17915 6998 13516 4419 15 2384 36 6328 48 9021

ETHNICITY NOT AVAILABLE 6/ 1782 1500 10 4102441 417474 242701 290169 2248 66115 1110 166327 924 148507 520 84563

MINORITY STATUS 8/

WHITE NON-HISPANIC 4785 7971 43 297211770 1923399 655689 1364963 8078 504679 4013 633968 6628 1032954 8214 1217273

OTHERS, INCLUDING HISPANIC 341 474 3 174691 128610 43865 90491 227 32330 292 44480 422 68754 544 84718

INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 648 445 5 213819 63514 53124 33539 429 15409 469 34645 555 42081 835 63182

50-79% OF MSA/MD MEDIAN 1566 1198 10 6002293 240609 156841 122298 1006 60132 1046 108579 1470 150355 2123 215359

80-99% OF MSA/MD MEDIAN 1003 1105 3 4761935 242019 125814 138138 657 59708 770 99844 1019 126455 1353 168778

100-119% OF MSA/MD MEDIAN 747 902 4 3391523 216695 106770 128174 703 49828 597 87190 785 111576 1024 143916

120% OR MORE OF MSA/MD MEDIAN 1557 5291 20 17927317 1517963 290145 1139320 4671 396610 2304 475639 3342 705262 3713 757907

INCOME NOT AVAILABLE 6/ 1464 1072 14 1681147 210889 219382 196538 3087 27366 276 45877 843 120969 283 46280

CENSUS TRACT CHARACTERISTICS 10/

RACIAL/ETHNIC COMPOSITION 11/

LESS THAN 10% MINORITY 5906 9017 48 312513581 2267836 835150 1608220 9514 543621 4813 770544 7040 1121219 8185 1255595

10-19% MINORITY 681 660 4 290945 152099 75725 96421 465 40828 437 57733 647 90162 724 89655

20-49% MINORITY 291 291 3 136429 63448 28351 48406 529 21364 161 19285 261 38871 333 42275

50-79% MINORITY 75 31 2861 6443 10402 3499 2229 35 2904 52 5030 59 5207

80-100% MINORITY 32 14 1 918 1863 2448 1461 45 1011 16 1308 14 1416 30 2690

INCOME 12/ 13/

LOW INCOME 38 14 1226 2966 2629 1345 1202 25 1792 18 1993 22 2085

MODERATE INCOME 787 489 5 274925 100815 83695 55492 561 29854 429 41834 701 71213 804 74792

MIDDLE INCOME 3917 3899 29 14406781 934060 483493 554084 4839 194886 2718 364538 3574 463277 4581 582481

UPPER INCOME 2243 5611 22 18627302 1453848 382259 1147086 5153 383111 2290 443610 3721 720215 3924 736064

TOTAL 14/ 6985 10013 56 358815034 2491689 952076 1758007 10553 609053 5462 851774 8014 1256698 9331 1395422


AGGREGATE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2009


BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC

PRIVATESECURITI-

ZATION

COMMERCIALBANK, SAVINGS

BANK, OR SAVINGASSOC


Page 1 of 1

INSURANCE CO,CREDIT UNION,

MORTGAGE BK, ORFINANCE CO

Number $000's

AFFILIATE OFINSTITUTION

Number $000's

OTHERPURCHASER

Number $000's

NO REPORTED PRICING DATA 15/

3058 7238 44 14038880 2 1 1 63 3877 2 2743 2 7119 21

REPORTED PRICING DATA

249 142 3 81233 1 144 1 94 1056 10

PERCENTAGE POINTS ABOVE TREASURY: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/

3 - 3.99 221 119 2 73160 NA NA NA NA NA NA 132 NA 83 NA 330 NA

4 - 4.99 16 22 649 NA NA NA NA NA NA 9 NA 10 NA 256 NA

5 - 5.99 12 1 1 223 1 3 1 426 10

6 - 6.99 1 42

7 - 7.99 2

8 - 8.99

9 - 9.99 1

10 OR MORE

MEAN 3.47 3.46 4.11 3.443.76 5.86 3.43 9.29 3.44 4.62 5.45

MEDIAN 3.31 3.24 3.34 3.303.49 5.86 3.29 9.29 3.30 4.79 5.39

HOEPA LOANS 17/

2


AGGREGATE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS ROW REFLECTS ACTIVITY FOR THE FULL YEAR)


PRICING INFORMATION

FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC

PRIVATESECURITI-

ZATION



FIRSTLIEN #

JUNIORLIEN #

Page 1 of 2




OTHERPURCHASER

FIRSTLIEN #

JUNIORLIEN #

FIRSTLIEN #

FIRSTLIEN #

FIRSTLIEN #

FIRSTLIEN #

FIRSTLIEN #

FIRSTLIEN #

FIRSTLIEN #

JUNIORLIEN #

JUNIORLIEN #

JUNIORLIEN #

JUNIORLIEN #

JUNIORLIEN #

JUNIORLIEN #

JUNIORLIEN #

NO REPORTED PRICING DATA 15/

416987 1285444 7947 2469981464793 71 3000 183 2843 617528 210 451996 4 1086778 311

REPORTED PRICING DATA

25769 14301 991 1041022761 24 16549 14 9052 148080 74

PERCENTAGE POINTS ABOVE TREASURY: ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/

3 - 3.99 22856 11680 406 958615312 NA NA NA NA NA NA 15498 NA 8243 NA 38368 NA

4 - 4.99 1374 2582 6305487 NA NA NA NA NA NA 876 NA 739 NA 47560 NA

5 - 5.99 1539 39 585 1941876 24 175 70 58648 74

6 - 6.99 86 3407

7 - 7.99 97

8 - 8.99

9 - 9.99 14

10 OR MORE

MEAN 30/ 3.47 3.46 4.79 3.403.75 5.86 3.38 9.29 3.39 4.62 5.61

MEDIAN 31/ 3.27 3.21 5.93 3.273.46 5.86 3.28 9.29 3.26 4.76 5.61

HOEPA LOANS 17/

178


AGGREGATE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS ROW REFLECTS ACTIVITY FOR THE FULL YEAR)


PRICING INFORMATION

FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC

PRIVATESECURITI-

ZATION



FIRSTLIEN

$000'S

JUNIORLIEN

$000'S

Page 2 of 2




OTHERPURCHASER

FIRSTLIEN

$000'S

JUNIORLIEN

$000'S

FIRSTLIEN

$000'S

FIRSTLIEN

$000'S

FIRSTLIEN

$000'S

FIRSTLIEN

$000'S

FIRSTLIEN

$000'S

FIRSTLIEN

$000'S

FIRSTLIEN

$000'S

JUNIORLIEN

$000'S

JUNIORLIEN

$000'S

JUNIORLIEN

$000'S

JUNIORLIEN

$000'S

JUNIORLIEN

$000'S

JUNIORLIEN

$000'S

JUNIORLIEN

$000'S

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 4 1 16 614 438 102 74

MALE 3 1 15 526 350 102 74

FEMALE 11 88 88

JOINT (MALE/FEMALE)

ASIAN (TOTAL) 79 1 15 12 2109 17046 13260 201 1840 1551 194

MALE 42 12 6 161 9714 7023 1605 946 140

FEMALE 17 2 3 123 2667 2316 128 169 54

JOINT (MALE/FEMALE) 20 1 1 325 4665 3921 201 107 436

BLACK OR AFRICAN AMERICAN (TOTAL) 413 18 69 41 14555 51218 38438 1908 6175 3638 1059

MALE 138 5 31 14 6194 18782 13496 591 2934 1324 437

FEMALE 220 12 29 20 8289 23521 18052 1197 2154 1496 622


NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 10 1 314 2362 1881 55 426

MALE 5 1 39 1250 769 55 426

FEMALE 22 251 251

JOINT (MALE/FEMALE) 33 861 861

WHITE (TOTAL) 7667 269 793 630 1349493 1141831 931738 31967 88781 74684 14661

MALE 2915 107 370 261 603713 417875 332089 11698 39423 28291 6374

FEMALE 1920 82 191 145 362374 241703 197250 8177 18790 14255 3231

JOINT (MALE/FEMALE) 2826 80 228 224 383396 481234 401706 12092 30242 32138 5056

2 OR MORE MINORITY RACES (TOTAL) 11 163 163

MALE 11 163 163

FEMALE

JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 63 1 6 3 174 10479 8938 67 799 520 155

MALE 2 13 284 230 54

FEMALE 1 1 13 339 63 121 155


RACE NOT AVAILABLE (TOTAL) 6/ 621 65 102 95 26909 108997 75210 7178 10966 12482 3161

MALE 120 11 28 10 4173 19484 14209 899 2976 904 496

FEMALE 76 9 19 19 4127 12039 6953 778 1994 1926 388



AGGREGATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009


Race and Gender 5/ 18/ 19/

ApplicationsReceived 20/

LoansOriginated

Apps. Approved ButNot Accepted

ApplicationsDenied

ApplicationsWithdrawn

Files Closed ForIncompleteness


Page 1 of 2

HISPANIC OR LATINO (TOTAL) 42 2 13 4 162 8628 6199 216 1724 393 96

MALE 18 10 230 4395 2979 1289 127

FEMALE 7 1 1 2 112 1082 633 60 27 266 96

JOINT (MALE/FEMALE) 17 1 220 3151 2587 156 408

NOT HISPANIC OR LATINO (TOTAL) 8157 286 866 687 14910145 1207998 983001 33306 95170 80684 15837

MALE 3078 112 406 281 673944 442184 349499 12096 43003 30660 6926

FEMALE 2147 93 218 168 452671 266551 216688 9321 20635 15941 3966


JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) (TOTAL)

37 2 5 1 146 7427 5653 525 960 79 210

MALE 22 242 242

FEMALE 11 176 176


ETHNICITY NOT AVAILABLE (TOTAL) 6/ 622 64 103 93 26908 108657 75213 7274 10864 12219 3087

MALE 128 11 28 12 4183 21257 15609 1092 2857 1178 521

FEMALE 83 9 22 17 4135 12799 7652 771 2349 1639 388


MINORITY STATUS 8/ 18/ 19/

WHITE NON-HISPANIC (TOTAL) 7539 260 766 620 1309315 1118724 915013 30638 85341 73519 14213

MALE 2870 105 355 257 583645 409222 326042 11385 37777 27885 6133

FEMALE 1897 79 185 142 352338 238220 195042 7982 18188 13873 3135


OTHERS, INCLUDING HISPANIC (TOTAL) 640 24 109 63 19855 95927 73308 2917 11434 6554 1714

MALE 208 5 55 24 7299 34454 24698 591 5818 2770 577

FEMALE 247 13 34 25 11330 27987 21266 1257 2606 1931 927


INCOME OF APPLICANTS 9/

LESS THAN 50% OF MSA/MD MEDIAN 1386 74 273 152 411926 133173 95822 4886 19640 10170 2655

50-79% OF MSA/MD MEDIAN 2904 103 322 221 473597 348137 280826 10017 31804 20765 4725

80-99% OF MSA/MD MEDIAN 1568 60 135 130 231916 229320 188529 6683 15952 15397 2759

100-119% OF MSA/MD MEDIAN 1030 39 74 80 151238 170045 141235 5601 10082 11154 1973

120% OR MORE OF MSA/MD MEDIAN 1935 77 169 185 272393 441290 359554 13914 30031 33894 3897

INCOME NOT AVAILABLE 6/ 35 1 14 17 2491 10745 4100 220 1209 1995 3221

TOTAL 14/ 8858 354 987 785 17711161 1332710 1070066 41321 108718 93375 19230


AGGREGATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009


Ethnicity, Gender and Income 7/ 18/ 19/


LoansOriginated


ApplicationsDenied




Page 2 of 2

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 9 2 5 5 122 2431 1091 494 419 344 83

MALE 6 2 1 110 1033 686 188 76 83

FEMALE 1 3 37 458 41 231 186


ASIAN (TOTAL) 300 26 43 28 6403 80780 62102 4281 7618 5724 1055

MALE 129 16 24 15 2186 30717 21401 2402 3839 2516 559

FEMALE 46 4 4 5 261 10059 7730 534 505 1100 190



MALE 46 6 22 7 384 9072 5955 887 1395 729 106

FEMALE 59 10 31 17 1118 9400 5653 603 1873 1209 62


NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 3 2 2 18 1743 743 176 560 264

MALE 2 2 26 1382 646 176 560

FEMALE 11 97 97


WHITE (TOTAL) 9966 644 1176 901 14012827 1889573 1503735 99369 133151 134721 18597

MALE 2953 216 462 306 523989 507315 382161 28395 50088 40179 6492

FEMALE 1943 147 292 199 312612 287373 219496 17053 24113 23901 2810


2 OR MORE MINORITY RACES (TOTAL) 1 12 384 144 240

MALE

FEMALE

JOINT (MALE/FEMALE) 1 12 384 144 240


MALE 11 103 103

FEMALE 11 119 119



MALE 105 21 23 15 9173 27785 17174 3901 2803 2683 1224

FEMALE 57 7 19 10 194 10615 6466 984 1394 1671 100



AGGREGATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 2

HISPANIC OR LATINO (TOTAL) 69 2 13 488 12128 9414 232 1702 780

MALE 29 1 636 4836 3782 47 1007

FEMALE 14 1 7 224 2895 1686 185 695 329



MALE 3097 240 496 329 564218 543873 406582 32299 53637 44103 7252

FEMALE 2020 157 315 221 342747 300744 228698 17824 25211 25949 3062



57 7 7 677 17094 13200 2041 625 1228

MALE 11 355 355

FEMALE



MALE 115 18 33 17 11194 28343 17407 3239 3845 2640 1212

FEMALE 74 10 27 11 1123 14482 9218 1165 2210 1789 100




MALE 2892 211 446 301 503900 494921 373165 27913 48175 39307 6361

FEMALE 1906 141 274 196 312548 279212 214284 16334 22478 23306 2810



MALE 212 23 56 25 6322 47323 32753 3336 6605 3881 748

FEMALE 121 15 44 27 3210 22936 15303 1322 3235 2824 252




50-79% OF MSA/MD MEDIAN 2056 153 314 204 332760 234735 180465 12188 22345 16863 2874

80-99% OF MSA/MD MEDIAN 1461 110 201 140 221934 207692 160955 12200 18259 14278 2000

100-119% OF MSA/MD MEDIAN 1146 85 111 119 131474 185185 144745 11414 13262 14443 1321



TOTAL 14/ 11390 825 1484 1107 19214998 2227855 1744564 127508 163856 167574 24353


AGGREGATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 2 of 2

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 47 7 34 36 2126 14596 6236 503 3907 3860 90

MALE 14 4 11 19 250 4999 1746 258 1170 1735 90

FEMALE 21 1 12 539 4201 2295 75 1320 511


ASIAN (TOTAL) 457 33 117 105 18730 150602 98109 7229 21093 20809 3362

MALE 149 12 37 54 9261 52572 30694 2670 7064 10361 1783

FEMALE 63 4 30 12109 18123 11210 722 4164 2027



MALE 128 24 213 68 16449 45240 15735 2480 18882 6861 1282

FEMALE 145 38 227 88 20518 44710 14542 2779 17632 7842 1915


NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 21 2 8 5 137 5941 3919 270 1059 591 102

MALE 9 3 214 2563 1661 645 257

FEMALE 3 1 4 2 111 971 240 121 350 158 102


WHITE (TOTAL) 30564 2819 11467 6500 133252682 7678750 4613478 398436 1528890 946781 191165

MALE 6885 783 3523 2028 43713656 1906943 1000690 108135 455151 282606 60361

FEMALE 4689 508 2370 1199 2379003 1014629 539420 58246 255529 136094 25340


2 OR MORE MINORITY RACES (TOTAL) 14 10 529 4758 2429 1584 745

MALE 4 2 28 1114 743 191 180

FEMALE 5 4 110 1113 477 370 266



MALE 5 1 17 1147 883 145 119

FEMALE 5 1 17 781 677 40 64



MALE 379 78 341 264 451107 155960 60319 11090 45280 31664 7607

FEMALE 218 39 213 177 25672 74376 27423 4040 22081 17861 2971



AGGREGATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 2


MALE 64 13 38 28 8151 20862 9908 1651 4521 3703 1079

FEMALE 35 4 32 10 283 10476 4173 740 3714 1827 22



MALE 7110 806 3740 2166 45614278 1994679 1042196 110662 477697 301532 62592

FEMALE 4891 549 2615 1300 2589613 1074374 564953 61414 274757 145595 27655



213 17 68 52 10360 61008 35985 3565 9349 10529 1580

MALE 5 38 960 754 206

FEMALE 3 25 913 604 309



MALE 394 83 350 243 451115 154037 59613 12465 46078 28429 7452

FEMALE 220 39 214 172 23668 73141 26554 3869 23039 17028 2651




MALE 6725 756 3427 1980 42513313 1861447 978604 103615 443645 276742 58841

FEMALE 4605 495 2316 1163 2318810 992381 530416 56561 249102 131577 24725



MALE 374 54 305 170 34937 128399 61523 7204 32671 22827 4174

FEMALE 275 49 305 119 23771 80078 33574 4477 27178 12810 2039




50-79% OF MSA/MD MEDIAN 4731 554 3084 1476 28810133 960048 439326 50104 300093 142271 28254

80-99% OF MSA/MD MEDIAN 4366 513 2095 1211 2398424 948387 485629 54946 242529 139913 25370

100-119% OF MSA/MD MEDIAN 3607 378 1530 907 2146636 838003 454632 45941 192531 117264 27635



TOTAL 14/ 35165 3622 14647 8639 186663939 9316767 5358295 512411 1935632 1239934 270495


AGGREGATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 2 of 2

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 12 18 232 1299 613 472 214

MALE 5 10 116 624 192 313 119

FEMALE 4 8 113 379 125 159 95


ASIAN (TOTAL) 24 4 27 8 265 4706 1804 403 1404 985 110

MALE 7 2 12 6 128 1642 309 35 553 645 100

FEMALE 7 1 9 118 815 456 68 281 10



MALE 68 7 149 3 1228 4355 1484 118 2644 28 81

FEMALE 85 4 222 20 3334 6764 1596 56 4390 637 85


NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 5 2 512 449 355 40 54

MALE 1 2 25 73 28 40 5

FEMALE


WHITE (TOTAL) 5351 396 3043 624 1129526 404862 240660 16945 106375 33149 7733

MALE 1287 127 1050 177 342675 96145 49072 4166 31555 9497 1855

FEMALE 1141 115 933 146 242359 70419 35785 3123 24391 5907 1213



MALE 11 250 250

FEMALE 1 3 15 136 32 29 75

JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 27 29 6 163 1902 1051 723 108 20

MALE 11 172 172

FEMALE



MALE 21 7 48 9 590 3486 828 304 1770 348 236

FEMALE 26 3 50 11 191 2178 807 107 984 270 10



AGGREGATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 2


MALE 11 1 19 4 136 958 226 10 458 251 13

FEMALE 15 21 339 1242 462 692 88



MALE 1342 135 1193 186 362892 101586 50394 4326 34534 10264 2068

FEMALE 1205 115 1133 164 282645 76364 37068 3081 28358 6647 1210



27 1 21 352 2049 1071 10 883 85

MALE

FEMALE 1 23 63 43 20



MALE 37 9 59 7 4116 4203 1465 327 1848 372 191

FEMALE 43 8 69 12 1133 3022 1228 273 1164 249 108




MALE 1262 123 1021 174 332613 94407 48370 4108 30919 9168 1842

FEMALE 1112 110 896 143 232284 68316 34939 2957 23476 5839 1105



MALE 92 12 188 14 3309 7944 2402 203 3869 1276 194

FEMALE 111 5 258 25 4403 9087 2671 124 5302 895 95




50-79% OF MSA/MD MEDIAN 1335 117 1043 173 232691 75479 38921 3125 25027 7438 968

80-99% OF MSA/MD MEDIAN 842 90 583 117 171649 58280 30871 3251 18968 4496 694

100-119% OF MSA/MD MEDIAN 623 53 403 85 171181 49021 25652 2189 16754 3778 648


INCOME NOT AVAILABLE 6/ 100 5 54 10169 8278 4793 375 2641 469

TOTAL 14/ 6100 553 4209 809 15811829 482633 271987 23690 135716 41703 9537


AGGREGATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 2 of 2

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 11 80 80

MALE 11 80 80

FEMALE

JOINT (MALE/FEMALE)

ASIAN (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

BLACK OR AFRICAN AMERICAN (TOTAL) 2 13 601 401 200

MALE 2 13 601 401 200

FEMALE

JOINT (MALE/FEMALE)

NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

WHITE (TOTAL) 36 4 21 5 167 13078 8712 921 1985 1388 72

MALE 16 3 11 131 5968 4154 396 1277 141

FEMALE 7 2 1 111 1619 952 7 588 72


2 OR MORE MINORITY RACES (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)


MALE 22 181 181

FEMALE 11 600 600



AGGREGATE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 2

HISPANIC OR LATINO (TOTAL) 11 6 6

MALE 11 6 6

FEMALE

JOINT (MALE/FEMALE)


MALE 18 3 11 234 6643 4555 396 1351 341

FEMALE 7 1 1 110 1613 952 1 588 72



MALE

FEMALE

JOINT (MALE/FEMALE)


MALE 22 181 181

FEMALE 22 606 606




MALE 16 3 10 130 5962 4154 396 1271 141

FEMALE 7 1 1 110 1613 952 1 588 72


OTHERS, INCLUDING HISPANIC (TOTAL) 2 2 15 687 401 86 200

MALE 2 2 15 687 401 86 200

FEMALE

JOINT (MALE/FEMALE)


LESS THAN 50% OF MSA/MD MEDIAN

50-79% OF MSA/MD MEDIAN



120% OR MORE OF MSA/MD MEDIAN


TOTAL 14/ 146 10 49 9 4218 143052 118113 9414 12027 2138 1360


AGGREGATE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 2 of 2

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 1 23 96 41 55

MALE 22 55 55

FEMALE 11 41 41

JOINT (MALE/FEMALE)

ASIAN (TOTAL) 26 2 16 7 152 7794 3227 307 2820 1429 11

MALE 11 7 5 124 3566 1227 1240 1088 11

FEMALE 3 1 15 273 247 4 22



MALE 18 1 32 7 260 3314 1416 24 1270 453 151

FEMALE 7 5 41 10 164 2744 596 127 1350 632 39


NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL) 11 3 3

MALE 11 3 3

FEMALE

JOINT (MALE/FEMALE)

WHITE (TOTAL) 1492 136 687 260 482623 241154 142405 12585 56688 24596 4880

MALE 523 59 296 112 161006 83072 44786 4673 22343 9955 1315

FEMALE 179 23 127 43 9381 28874 15064 1994 7559 3449 808



MALE 11 250 250

FEMALE 2 1 14 360 278 7 75

JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 11 2 9 325 2427 1080 124 690 533

MALE 11 77 77

FEMALE



MALE 18 5 25 11 362 4915 1678 382 1608 1075 172

FEMALE 7 3 14 327 1686 362 200 925 199



AGGREGATE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 2


MALE 4 812 1021 336 685

FEMALE 3 14 414 234 180



MALE 540 60 322 124 181064 87484 46157 4684 23516 11672 1455

FEMALE 187 28 170 52 10447 31198 15459 2121 8705 4066 847



10 1 5 420 3524 1962 101 912 549

MALE 11 36 36

FEMALE



MALE 27 5 32 12 480 6711 2691 395 2282 1149 194

FEMALE 9 3 13 631 2366 895 200 960 311




MALE 508 58 282 111 15974 80225 43258 4635 21174 9865 1293

FEMALE 173 23 125 42 9372 27703 14257 1994 7255 3389 808



MALE 33 1 50 13 3100 8226 2985 24 3264 1791 162

FEMALE 16 5 44 12 178 3832 1396 127 1541 729 39




50-79% OF MSA/MD MEDIAN 195 20 155 57 4431 26271 12052 1559 9030 3368 262

80-99% OF MSA/MD MEDIAN 151 24 123 46 11355 24928 11332 1817 8227 2808 744

100-119% OF MSA/MD MEDIAN 173 13 89 29 9313 24130 13692 1276 6478 1980 704



TOTAL 14/ 1984 200 1019 389 753667 344803 195449 18250 84210 39202 7692


AGGREGATE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 2 of 2

AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 22 167 167

MALE 11 75 75

FEMALE 11 92 92

JOINT (MALE/FEMALE)

ASIAN (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

BLACK OR AFRICAN AMERICAN (TOTAL) 1 14 116 736 108 536 92

MALE 22 14 14

FEMALE 33 24 24


NAT HAWAIIAN/OTHER PACIFIC ISL (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

WHITE (TOTAL) 432 85 443 93 291082 68150 28269 5263 24919 7707 1992

MALE 131 29 136 28 8332 19599 7894 1840 7350 2181 334

FEMALE 89 24 122 15 8258 12777 4898 1436 5145 919 379


2 OR MORE MINORITY RACES (TOTAL)

MALE

FEMALE

JOINT (MALE/FEMALE)

JOINT (WHITE/MINORITY RACE) (TOTAL) 1 34 221 90 131

MALE

FEMALE



MALE 3 5 19 1032 191 675 166

FEMALE 2 1 69 457 225 65 167



AGGREGATE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 2

HISPANIC OR LATINO (TOTAL) 2 2 59 586 81 84 421

MALE 1 1 13 259 62 47 150

FEMALE 1 1 24 193 19 37 137



MALE 130 28 139 27 8332 19448 7731 1793 7497 2093 334

FEMALE 89 24 120 14 8255 12615 5017 1464 4946 809 379



2 13 80 68 12

MALE

FEMALE



MALE 3 4 29 1013 292 467 254

FEMALE 1 10 112 542 87 345 110




MALE 129 28 134 27 8326 19057 7652 1793 7185 2093 334

FEMALE 88 23 116 14 8249 12355 4879 1399 4889 809 379


OTHERS, INCLUDING HISPANIC (TOTAL) 6 2 24 133 1698 347 84 1175 92

MALE 1 1 46 348 62 47 239

FEMALE 1 1 57 217 19 37 161




50-79% OF MSA/MD MEDIAN 146 40 147 34 6373 22884 8903 2574 8066 2989 352

80-99% OF MSA/MD MEDIAN 84 18 78 22 7209 14524 5485 1206 5184 2156 493

100-119% OF MSA/MD MEDIAN 40 10 46 16 2114 9062 3047 725 3486 1588 216


INCOME NOT AVAILABLE 6/ 10 2 517 1992 889 568 535

TOTAL 14/ 456 97 512 106 301201 77140 30170 6435 29304 9117 2114


AGGREGATE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 2 of 2


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 11 102 102

ASIAN 7 8 4 221 1982 629 754 405 194

BLACK OR AFRICAN AMERICAN 118 7 22 16 6169 10159 7072 388 1245 1075 379

NAT HAWAIIAN/OTHER PACIFIC ISL 1 1 13 186 61 55 70

WHITE 1176 58 207 117 311589 110876 82332 3946 15036 7599 1963

2 OR MORE MINORITY RACES

JOINT (WHITE/MINORITY RACE) 4 15 246 192 54

RACE NOT AVAILABLE 6/ 80 9 33 14 2138 9622 5536 552 2394 1021 119

ETHNICITY 7/

HISPANIC OR LATINO 6 4 111 721 357 272 92

NOT HISPANIC OR LATINO 1290 63 233 138 391763 121614 89174 4171 16569 9164 2536


2 24 398 139 259

ETHNICITY NOT AVAILABLE 6/ 88 11 34 13 2148 10440 6152 715 2540 914 119

MINORITY STATUS 8/

WHITE NON-HISPANIC 1153 55 197 115 311551 108018 80705 3742 14200 7408 1963

OTHERS, INCLUDING HISPANIC 138 7 39 21 8213 13702 8450 388 2741 1550 573


RACE 5/


ASIAN 22 224 3090 2727 363


NAT HAWAIIAN/OTHER PACIFIC ISL 11 143 143

WHITE 2504 73 255 179 373048 296985 243682 7358 25185 17111 3649


JOINT (WHITE/MINORITY RACE) 15 1 3 120 2061 1392 67 438 164


ETHNICITY 7/

HISPANIC OR LATINO 11 1 4 2 119 2194 1393 60 463 182 96



5 16 502 423 79


MINORITY STATUS 8/




AGGREGATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009


Income, Race and Ethnicity


LoansOriginated


ApplicationsDenied




Page 1 of 3


RACE 5/


ASIAN 14 115 2426 2168 258


NAT HAWAIIAN/OTHER PACIFIC ISL 2 13 324 227 97

WHITE 1366 49 112 109 151651 198211 165355 5321 12969 12534 2032




ETHNICITY 7/




88 1031 1031


MINORITY STATUS 8/




RACE 5/


ASIAN 8 2 212 1613 1149 280 184

BLACK OR AFRICAN AMERICAN 36 2 4 143 5161 4426 273 385 77

NAT HAWAIIAN/OTHER PACIFIC ISL

WHITE 910 29 62 69 131083 149761 125355 4278 8650 9794 1684

2 OR MORE MINORITY RACES 11 163 163

JOINT (WHITE/MINORITY RACE) 66 753 753


ETHNICITY 7/




4 1 16 818 386 216 216


MINORITY STATUS 8/






Income, Race and Ethnicity Continued


LoansOriginated


ApplicationsDenied




Page 2 of 3


RACE 5/


ASIAN 27 1 1 635 7720 6450 201 107 962



WHITE 1690 59 147 145 232064 379295 312578 10844 25976 26674 3223




ETHNICITY 7/

HISPANIC OR LATINO 8 19 2206 1946 260



18 1 2 122 4678 3674 309 485 210


MINORITY STATUS 8/



8858 354 986 785 17711160 1332657 1070066 41321 108665 93375 19230TOTAL 14/






LoansOriginated


ApplicationsDenied




Page 3 of 3


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 1 23 119 30 89

ASIAN 20 3 6 130 2366 1599 218 514 35



WHITE 803 59 293 83 181256 78799 51743 3673 16867 5496 1020


JOINT (WHITE/MINORITY RACE) 3 1 15 597 274 224 99


ETHNICITY 7/




11 30 30


MINORITY STATUS 8/




RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 3 4 18 577 112 389 76

ASIAN 27 4 1 4 137 4222 3115 406 99 467 135



WHITE 1853 126 255 172 292435 207276 162393 9987 18470 13894 2532




ETHNICITY 7/




5 16 394 382 12


MINORITY STATUS 8/




AGGREGATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 3


RACE 5/


ASIAN 24 1 6 5 339 5220 3416 100 759 600 345



WHITE 1324 83 161 115 171700 182264 145267 9574 14183 11807 1433




ETHNICITY 7/




4 26 838 648 190


MINORITY STATUS 8/




RACE 5/


ASIAN 27 5 1 134 5770 4448 1006 184 132



WHITE 1023 69 88 99 81287 161332 129323 8901 10821 11600 687




ETHNICITY 7/




2 1 14 487 239 69 179


MINORITY STATUS 8/








LoansOriginated


ApplicationsDenied




Page 2 of 3


RACE 5/


ASIAN 201 13 26 17 2259 62299 49284 2551 5399 4490 575



WHITE 4882 300 363 420 556020 1240564 999447 66801 71960 90624 11732


JOINT (WHITE/MINORITY RACE) 71 3 8 8 191 18989 15678 1035 920 1299 57


ETHNICITY 7/

HISPANIC OR LATINO 28 1 4 235 7081 5495 185 780 621



43 7 2 557 14685 11271 2041 324 1049


MINORITY STATUS 8/



11375 825 1483 1105 19214980 2225601 1742576 127508 163811 167353 24353TOTAL 14/






LoansOriginated


ApplicationsDenied




Page 3 of 3


RACE 5/


ASIAN 4 16 828 2684 333 1604 747



WHITE 1666 175 1716 592 1024251 323724 117877 13058 135541 48799 8449




ETHNICITY 7/




4 1 16 560 334 162 64


MINORITY STATUS 8/




RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 9 1 5 11 127 2561 734 99 672 1026 30

ASIAN 27 1 16 1357 6583 3265 100 2051 1167



WHITE 4171 446 2438 1097 2108362 795624 388120 40334 241053 105771 20346




ETHNICITY 7/




15 1 11 734 3103 1526 80 818 679


MINORITY STATUS 8/




AGGREGATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 3


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 2 2 6 818 1586 69 133 465 919

ASIAN 29 1 9 9 149 6351 3960 178 1007 1171 35



WHITE 3831 409 1652 919 1796990 784030 422105 44222 191734 107174 18795




ETHNICITY 7/




13 7 7 229 3620 1576 713 1053 278


MINORITY STATUS 8/




RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 4 1 6 3 115 1757 612 61 636 388 60

ASIAN 34 1 10 651 8088 5669 103 1380 936



WHITE 3192 291 1182 707 1685540 700003 401072 35698 148988 92001 22244




ETHNICITY 7/




13 3 6 224 2391 1315 293 457 326


MINORITY STATUS 8/








LoansOriginated


ApplicationsDenied




Page 2 of 3


RACE 5/


ASIAN 348 27 62 63 16516 122124 82634 6380 14521 15477 3112


NAT HAWAIIAN/OTHER PACIFIC ISL 16 2 1 120 4206 3466 462 176 102

WHITE 15747 1246 3958 2751 52624228 4579054 2985012 228923 739676 529691 95752

2 OR MORE MINORITY RACES 10 4 418 3635 1907 1023 705



ETHNICITY 7/




155 12 43 29 4243 47322 29409 2827 6438 7898 750


MINORITY STATUS 8/



35142 3619 14627 8635 186563888 9308443 5353861 512124 1932664 1239399 270395TOTAL 14/






LoansOriginated


ApplicationsDenied




Page 3 of 3


RACE 5/


ASIAN 2 1 69 452 73 68 311



WHITE 701 78 891 76 191765 36706 13625 1633 19078 1864 506




ETHNICITY 7/




2 57 88 20 68


MINORITY STATUS 8/




RACE 5/


ASIAN 7 9 2 119 847 296 321 220 10



WHITE 1183 93 724 129 152144 62423 35361 2227 18204 5887 744




ETHNICITY 7/




2 35 115 25 90


MINORITY STATUS 8/




AGGREGATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 3


RACE 5/


ASIAN 3 25 109 49 60


NAT HAWAIIAN/OTHER PACIFIC ISL 1 1 13 58 28 10 20

WHITE 736 63 441 92 111343 49785 27513 2287 15737 3721 527




ETHNICITY 7/




4 26 254 206 48


MINORITY STATUS 8/




RACE 5/


ASIAN 1 5 17 175 20 135 20



WHITE 548 40 299 66 8961 41721 22820 1769 13568 3225 339




ETHNICITY 7/




3 36 313 126 187


MINORITY STATUS 8/


OTHERS, INCLUDING HISPANIC 27 2 40 675 2605 1289 76 1025 215






LoansOriginated


ApplicationsDenied




Page 2 of 3


RACE 5/


ASIAN 11 3 5 5 125 3123 1366 335 577 745 100



WHITE 2119 120 655 254 593207 210929 139395 8938 38731 18248 5617




ETHNICITY 7/




16 1 8 328 1279 694 10 490 85


MINORITY STATUS 8/



6097 553 4209 809 15811826 482565 271919 23690 135716 41703 9537TOTAL 14/






LoansOriginated


ApplicationsDenied




Page 3 of 3


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE

ASIAN 1 1 13 192 144 26 22



WHITE 89 13 105 14221 11170 5732 660 3652 1126




ETHNICITY 7/





MINORITY STATUS 8/

WHITE NON-HISPANIC 87 13 104 14218 11124 5701 660 3637 1126



RACE 5/


ASIAN 1 23 535 106 429



WHITE 176 12 107 41 4340 20830 10752 912 6573 2331 262


JOINT (WHITE/MINORITY RACE)

RACE NOT AVAILABLE 6/ 13 5 24 850 3289 975 564 1190 560

ETHNICITY 7/




ETHNICITY NOT AVAILABLE 6/ 16 5 23 953 3557 1189 491 1277 600

MINORITY STATUS 8/




AGGREGATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 3


RACE 5/


ASIAN 3 1 15 283 181 42 60



WHITE 122 20 92 29 9272 19123 8818 1621 6145 1915 624




ETHNICITY 7/

HISPANIC OR LATINO



11 92 92


MINORITY STATUS 8/




RACE 5/


ASIAN 4 15 307 303 4

BLACK OR AFRICAN AMERICAN 5 7 113 666 155 416 95


WHITE 151 11 68 22 7259 19958 11939 1057 4846 1555 561




ETHNICITY 7/




22 158 158


MINORITY STATUS 8/


OTHERS, INCLUDING HISPANIC 13 11 327 2058 965 840 253






LoansOriginated


ApplicationsDenied




Page 2 of 3


RACE 5/


ASIAN 17 2 11 5 136 6477 2493 307 2319 1347 11



WHITE 913 73 293 143 231445 162411 101222 7806 33936 16711 2736




ETHNICITY 7/




10 1 4 217 3274 1962 101 820 391


MINORITY STATUS 8/



1979 200 1018 388 753660 343968 194804 18250 84165 39057 7692TOTAL 14/






LoansOriginated


ApplicationsDenied




Page 3 of 3


RACE 5/


ASIAN

BLACK OR AFRICAN AMERICAN 55 30 30


WHITE 90 17 140 16 10273 11476 4297 758 5261 749 411



RACE NOT AVAILABLE 6/ 3 2 1621 862 75 134 653

ETHNICITY 7/




11 5 5

ETHNICITY NOT AVAILABLE 6/ 3 1 1721 856 75 26 755

MINORITY STATUS 8/




RACE 5/


ASIAN



WHITE 136 35 123 30 5329 19423 8152 2256 6269 2516 230




ETHNICITY 7/

HISPANIC OR LATINO 11 45 45



1 12 75 63 12


MINORITY STATUS 8/


OTHERS, INCLUDING HISPANIC 2 911 638 153 485


AGGREGATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009




LoansOriginated


ApplicationsDenied




Page 1 of 3


RACE 5/


ASIAN

BLACK OR AFRICAN AMERICAN 1 23 189 108 81


WHITE 82 16 69 19 7193 13242 5352 1127 4506 1764 493




ETHNICITY 7/





MINORITY STATUS 8/




RACE 5/


ASIAN



WHITE 37 9 41 13 2102 8155 2782 686 3166 1305 216




ETHNICITY 7/





MINORITY STATUS 8/








LoansOriginated


ApplicationsDenied




Page 2 of 3


RACE 5/


ASIAN



WHITE 81 7 67 15 5175 15064 7296 380 5373 1373 642




ETHNICITY 7/

HISPANIC OR LATINO 11 133 133




MINORITY STATUS 8/



455 96 511 106 301198 76924 30066 6379 29248 9117 2114TOTAL 14/






LoansOriginated


ApplicationsDenied




Page 3 of 3


LESS THAN 10% MINORITY 7397 291 792 619 1399238 1150582 930115 34877 91490 78568 15532

10-19% MINORITY 902 45 111 100 171175 118905 92088 4896 10812 9075 2034

20-49% MINORITY 411 10 46 45 11523 46342 36874 818 3297 4334 1019

50-79% MINORITY 97 6 25 10 6144 11617 7617 560 2249 786 405

80-100% MINORITY 51 2 13 11 481 5264 3372 170 870 612 240

INCOME CHARACTERISTICS 12/ 13/

LOW INCOME 51 4 16 6 582 5593 3338 463 1004 427 361

MODERATE INCOME 1153 46 199 138 301566 129891 95315 4385 16960 10966 2265

MIDDLE INCOME 5075 199 570 423 986365 695350 557506 20211 60895 46486 10252

UPPER INCOME 2579 105 202 218 443148 501876 413907 16262 29859 35496 6352

INCOME & RACIAL/ETHNIC COMP 11/ 12/ 13/

LOW INCOME

LESS THAN 10% MINORITY

10-19% MINORITY

20-49% MINORITY 13 417 931 680 251

50-79% MINORITY 21 2 9 4 238 2893 1547 293 607 305 141

80-100% MINORITY 17 2 3 2 327 1769 1111 170 146 122 220

MODERATE INCOME


10-19% MINORITY 220 4 33 29 6292 21313 15964 357 2692 1914 386

20-49% MINORITY 194 4 19 21 6244 21393 17515 375 1232 1802 469

50-79% MINORITY 36 3 9 4 456 3763 2305 225 697 272 264

80-100% MINORITY 16 5 4 126 1555 958 348 229 20

MIDDLE INCOME


10-19% MINORITY 494 31 66 49 7647 63270 48009 3165 6578 4412 1106

20-49% MINORITY 192 5 18 22 4241 20840 16802 353 1341 2069 275

50-79% MINORITY 40 1 7 250 4961 3765 42 945 209

80-100% MINORITY 18 5 528 1940 1303 376 261

UPPER INCOME


10-19% MINORITY 188 10 12 22 4236 34322 28115 1374 1542 2749 542

20-49% MINORITY 12 1 5 2 121 3178 1877 90 473 463 275

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY

ALL OTHER TRACTS 21/

8858 354 987 785 17711161 1332710 1070066 41321 108718 93375 19230TOTAL 14/



Type of Census Tract 10/


LoansOriginated


ApplicationsDenied




Page 1 of 1AGGREGATE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009



10-19% MINORITY 944 74 139 100 221279 153915 118678 9737 12635 10296 2569

20-49% MINORITY 514 50 109 78 19770 110906 72183 7471 14760 13914 2578

50-79% MINORITY 62 8 22 4 298 8142 5424 856 1254 456 152

80-100% MINORITY 38 3 16 8 267 5420 3965 222 713 303 217


LOW INCOME 50 5 17 5 279 7691 5101 745 971 669 205

MODERATE INCOME 1101 82 335 161 241703 144044 97382 7919 22172 14744 1827

MIDDLE INCOME 4901 371 727 465 976561 777326 596182 47473 70655 52789 10227

UPPER INCOME 5338 366 404 476 696653 1298359 1045899 70990 70004 99372 12094


LOW INCOME


10-19% MINORITY

20-49% MINORITY 20 3 8 2 134 3552 1877 695 464 466 50

50-79% MINORITY 15 2 522 2075 1688 50 337

80-100% MINORITY 15 4 3 123 2064 1536 170 203 155

MODERATE INCOME


10-19% MINORITY 156 14 52 23 2247 14384 9144 1019 2668 1497 56

20-49% MINORITY 208 24 46 26 8312 29264 19698 2517 3562 2688 799

50-79% MINORITY 26 4 10 3 144 2947 1733 365 482 304 63

80-100% MINORITY 22 2 10 337 3078 2397 182 434 65

MIDDLE INCOME


10-19% MINORITY 394 29 58 38 10529 56755 43327 3560 5986 2948 934

20-49% MINORITY 107 9 18 21 3158 14854 10200 813 1572 2054 215

50-79% MINORITY 21 1 6 1 130 2685 2003 60 381 152 89

80-100% MINORITY 1 1 2 2 17 278 32 40 109 35 62

UPPER INCOME


10-19% MINORITY 394 31 29 39 10503 82776 66207 5158 3981 5851 1579

20-49% MINORITY 179 14 37 29 7266 63236 40408 3446 9162 8706 1514

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY

1 12 435 381 54ALL OTHER TRACTS 21/

11390 825 1484 1107 19214998 2227855 1744564 127508 163856 167574 24353TOTAL 14/





LoansOriginated


ApplicationsDenied




Page 1 of 1AGGREGATE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009



10-19% MINORITY 2194 279 1265 726 1324596 553736 278288 33967 138773 88650 14058

20-49% MINORITY 1006 130 660 351 712218 280975 146602 13944 69476 42347 8606

50-79% MINORITY 143 23 204 82 14466 36856 12510 2292 14244 6861 949

80-100% MINORITY 70 16 187 63 10346 23514 6157 894 11868 4041 554


LOW INCOME 64 18 107 54 3246 19886 6157 1858 7056 4665 150

MODERATE INCOME 2626 342 2310 1057 2296564 613793 259397 29888 203092 100043 21373

MIDDLE INCOME 16409 1815 8045 4492 96931730 3916372 2056155 216094 951926 570581 121616

UPPER INCOME 16066 1447 4184 3036 66525398 4766661 3036586 264571 773503 564645 127356


LOW INCOME


10-19% MINORITY

20-49% MINORITY 19 9 22 13 265 5737 1993 731 1599 1294 120

50-79% MINORITY 26 2 32 22 183 8213 2806 813 2335 2229 30

80-100% MINORITY 19 7 53 1998 5936 1358 314 3122 1142

MODERATE INCOME


10-19% MINORITY 330 49 376 158 37950 67477 22241 3608 27297 11813 2518

20-49% MINORITY 333 37 325 157 34886 84385 34115 3048 28058 16010 3154

50-79% MINORITY 47 7 101 28 7190 12294 3247 310 6389 1866 482

80-100% MINORITY 33 4 87 31 7162 11937 3677 164 5689 2013 394

MIDDLE INCOME


10-19% MINORITY 1009 141 610 365 592184 240832 112683 16001 63473 42048 6627

20-49% MINORITY 366 65 256 143 23853 83163 35908 5743 23886 15104 2522

50-79% MINORITY 70 14 70 32 6192 16294 6457 1169 5465 2766 437

80-100% MINORITY 18 5 47 13 386 5641 1122 416 3057 886 160

UPPER INCOME


10-19% MINORITY 855 89 279 203 361462 245427 143364 14358 48003 34789 4913

20-49% MINORITY 288 19 57 38 12414 107690 74586 4422 15933 9939 2810

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY

11 55 55ALL OTHER TRACTS 21/

35165 3622 14647 8639 186663939 9316767 5358295 512411 1935632 1239934 270495TOTAL 14/





LoansOriginated


ApplicationsDenied




Page 1 of 1AGGREGATE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009



10-19% MINORITY 498 53 485 76 161128 37145 18114 1701 12370 4228 732

20-49% MINORITY 270 35 324 42 11682 21301 10412 1432 6756 2325 376

50-79% MINORITY 89 5 131 16 1242 4685 1892 60 2307 396 30

80-100% MINORITY 57 8 162 9 3239 5488 963 133 4059 215 118


LOW INCOME 57 4 107 5 2175 3843 834 82 2677 139 111

MODERATE INCOME 1005 105 1101 119 272357 63954 29197 3316 25894 4514 1033

MIDDLE INCOME 3457 297 2358 459 886659 249459 136160 12329 74982 21048 4940

UPPER INCOME 1581 147 643 226 412638 165377 105796 7963 32163 16002 3453


LOW INCOME


10-19% MINORITY

20-49% MINORITY 12 1 20 134 667 240 24 373 30

50-79% MINORITY 24 1 23 3 152 647 306 20 221 70 30

80-100% MINORITY 21 2 64 1 189 2529 288 38 2083 39 81

MODERATE INCOME


10-19% MINORITY 153 14 195 16 1379 8817 3479 514 4207 567 50

20-49% MINORITY 130 19 176 13 5343 7811 3487 545 3213 411 155

50-79% MINORITY 35 1 66 6108 2157 752 10 1262 133

80-100% MINORITY 29 5 63 7 2106 1928 600 85 1090 116 37

MIDDLE INCOME


10-19% MINORITY 240 27 252 45 9573 17490 7558 827 6487 2262 356

20-49% MINORITY 100 13 119 17 6255 8202 3297 558 2865 1261 221

50-79% MINORITY 30 3 42 782 1881 834 30 824 193

80-100% MINORITY 7 1 35 144 1031 75 10 886 60

UPPER INCOME


10-19% MINORITY 105 12 38 15 6176 10838 7077 360 1676 1399 326

20-49% MINORITY 28 2 9 1150 4621 3388 305 305 623

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY


6100 553 4209 809 15811829 482633 271987 23690 135716 41703 9537TOTAL 14/





LoansOriginated


ApplicationsDenied




Page 1 of 1AGGREGATE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009



10-19% MINORITY 22 1 7 1 233 38652 36012 142 1466 400 632

20-49% MINORITY 27 2 10 241 22156 14553 5100 2095 408

50-79% MINORITY 6 511 9146 7255 1891

80-100% MINORITY 6 39 2801 2532 269


LOW INCOME 5 27 2484 2238 246

MODERATE INCOME 43 3 18 1 267 34300 25954 5300 2078 240 728

MIDDLE INCOME 61 6 19 7 194 41512 30294 3589 6247 1310 72

UPPER INCOME 37 1 10 1 150 64756 59627 525 3456 588 560


LOW INCOME


10-19% MINORITY

20-49% MINORITY 11 48 48

50-79% MINORITY 1 23 416 170 246

80-100% MINORITY 33 2020 2020

MODERATE INCOME

LESS THAN 10% MINORITY 12 2 9 225 9406 7704 300 674 728

10-19% MINORITY 11 112 4518 4418 100

20-49% MINORITY 13 1 5 120 12670 6395 5000 1035 240

50-79% MINORITY 44 6925 6925

80-100% MINORITY 3 36 781 512 269

MIDDLE INCOME


10-19% MINORITY 5 1 2 1 110 2817 2127 142 76 400 72

20-49% MINORITY 8 1 4 114 5473 4205 100 1000 168

50-79% MINORITY 1 34 1805 160 1645

80-100% MINORITY

UPPER INCOME


10-19% MINORITY 6 4 111 31317 29467 1290 560

20-49% MINORITY 5 16 3965 3905 60

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY


146 10 49 9 4218 143052 118113 9414 12027 2138 1360TOTAL 14/





LoansOriginated


ApplicationsDenied




Page 1 of 1AGGREGATE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009



10-19% MINORITY 264 27 144 51 12498 39012 20231 1797 10083 6139 762

20-49% MINORITY 217 27 116 39 11410 37910 21528 2728 9794 2743 1117

50-79% MINORITY 35 5 40 9 190 5254 2491 294 1746 634 89

80-100% MINORITY 18 3 34 5 262 4088 1489 133 2188 159 119


LOW INCOME 30 2 25 5 264 5052 2658 52 1867 329 146

MODERATE INCOME 548 49 320 104 191040 79129 45488 4080 20225 8138 1198

MIDDLE INCOME 949 99 486 183 331750 140741 79292 7927 34882 15578 3062

UPPER INCOME 457 50 186 97 21811 119772 68011 6191 27127 15157 3286


LOW INCOME


10-19% MINORITY

20-49% MINORITY 14 1 3 2 121 1750 1428 24 147 86 65

50-79% MINORITY 10 9 221 1446 815 410 221

80-100% MINORITY 6 1 13 1 122 1856 415 28 1310 22 81

MODERATE INCOME


10-19% MINORITY 99 10 57 15 6187 9490 5513 581 2506 744 146

20-49% MINORITY 124 13 64 18 5224 16512 9645 1362 4018 1020 467

50-79% MINORITY 21 4 18 447 2526 1263 270 805 188

80-100% MINORITY 10 2 18 3 134 2062 1012 105 786 121 38

MIDDLE INCOME


10-19% MINORITY 118 11 63 21 3216 16184 8267 671 4678 2300 268

20-49% MINORITY 41 7 34 789 5710 2528 361 2283 538

50-79% MINORITY 4 1 11 3 120 1173 413 24 422 225 89

80-100% MINORITY 2 3 16 170 62 92 16

UPPER INCOME


10-19% MINORITY 47 6 24 15 395 13338 6451 545 2899 3095 348

20-49% MINORITY 38 6 15 12 576 13938 7927 981 3346 1099 585

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY

22 109 109ALL OTHER TRACTS 21/

1984 200 1019 389 753667 344803 195449 18250 84210 39202 7692TOTAL 14/





LoansOriginated


ApplicationsDenied




Page 1 of 1AGGREGATE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009



10-19% MINORITY 5 12 3 121 1542 396 949 142 55

20-49% MINORITY 2 57 256 145 111

50-79% MINORITY 1 12 92 90 2

80-100% MINORITY 1 12 47 37 10


LOW INCOME 1 34 196 113 83

MODERATE INCOME 100 22 116 18 6262 16048 6191 1356 6608 1552 341

MIDDLE INCOME 335 68 325 85 22835 55081 22109 4165 19822 7330 1655

UPPER INCOME 21 6 68 3 2100 5815 1870 801 2791 235 118


LOW INCOME


10-19% MINORITY

20-49% MINORITY 1 23 194 113 81

50-79% MINORITY 11 2 2

80-100% MINORITY

MODERATE INCOME


10-19% MINORITY 1 6 18 487 44 423 20

20-49% MINORITY 1 34 62 32 30

50-79% MINORITY 11 90 90

80-100% MINORITY 11 37 37

MIDDLE INCOME


10-19% MINORITY 4 5 2 112 1045 352 516 122 55

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY 11 10 10

UPPER INCOME


10-19% MINORITY 11 10 10

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY

SMALL COUNTY


456 97 512 106 301201 77140 30170 6435 29304 9117 2114TOTAL 14/





LoansOriginated


ApplicationsDenied




Page 1 of 1AGGREGATE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009

RACE 5/


ASIAN 2 2 17 50 14 14 7 1 7 1 7 14 100

BLACK OR AFRICAN AMERICAN 2 20 12 4 316 23 3 28 17 6 4 6 8 8 11 71 100


WHITE 45 191 147 38 49186 23 5 23 18 5 6 58 7 2 0 104 13 820 100



RACE NOT AVAILABLE 6/ 4 19 21 3 931 30 4 18 20 3 9 7 7 10 10 104 100

ETHNICITY 7/


NOT HISPANIC OR LATINO 47 207 162 41 54208 23 5 23 18 5 6 64 7 2 0 106 12 891 100


2 2 12 22 22 22 11 2 22 9 100

ETHNICITY NOT AVAILABLE 6/ 4 24 19 3 728 26 4 23 18 3 7 8 8 13 12 106 100

MINORITY STATUS 8/

WHITE NON-HISPANIC 43 184 144 37 49177 22 5 23 18 5 6 57 7 2 0 96 12 789 100

OTHERS, INCL. HISPANIC 6 27 19 5 532 28 5 23 16 4 4 7 6 15 13 116 100

GENDER 19/

MALE 22 121 82 22 32103 23 5 26 18 5 7 25 5 1 0 49 11 457 100

FEMALE 10 58 41 13 1756 22 4 23 16 5 7 21 8 33 13 249 100

JOINT (MALE/FEMALE) 19 44 48 7 972 28 7 17 19 3 4 21 8 1 0 36 14 257 100

GENDER NOT AVAILABLE 6/ 2 11 13 3 412 21 4 20 23 5 7 5 9 6 11 56 100

INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 20 63 40 19 2594 31 7 21 13 6 8 14 5 2 1 28 9 305 100

50-79% OF MSA/MD MEDIAN 19 84 56 13 1674 23 6 26 17 4 5 27 8 32 10 321 100

80-99% OF MSA/MD MEDIAN 3 33 30 3 1131 22 2 23 21 2 8 10 7 20 14 141 100

100-119% OF MSA/MD MEDIAN 3 18 17 210 14 4 24 23 3 9 12 15 20 74 100

120% OR MORE OF MSA/MD MEDIAN 6 33 41 8 731 19 4 20 25 5 4 12 7 28 17 166 100

INCOME NOT AVAILABLE 6/ 2 3 2 13 25 17 25 17 8 1 8 12 100



Applicant Characteristics Debt-to- Income

RatioEmployment

History Credit History Collateral

InsufficientCash

UnverifiableInformation

Number Number Number Number Number Number% % % % % %

Page 1 of 1

Credit App.Incomplete

Number %

MortgageInsurance

Denied

Number %

Other

Number %

Total /22

Number %

AGGREGATE TABLE 8-1: REASONS FOR DENIAL OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/


ASIAN 2 6 7 2 411 26 5 14 16 5 9 5 12 6 14 43 100


NAT HAWAIIAN/OTHER PACIFIC ISL 1 50 1 50 2 100

WHITE 37 353 267 49 30269 22 3 29 22 4 2 55 4 22 2 156 13 1238 100

2 OR MORE MINORITY RACES 1 100 1 100

JOINT (WHITE/MINORITY RACE) 1 5 4 21 7 7 36 29 14 1 7 14 100

RACE NOT AVAILABLE 6/ 6 56 38 9 844 22 3 27 19 4 4 8 4 2 1 33 16 204 100

ETHNICITY 7/

HISPANIC OR LATINO 2 2 1 11 9 18 18 9 9 2 18 2 18 11 100



1 3 21 9 9 27 18 1 9 1 9 2 18 11 100

ETHNICITY NOT AVAILABLE 6/ 6 63 41 8 850 23 3 29 19 4 4 8 4 2 1 31 14 217 100

MINORITY STATUS 8/


OTHERS, INCL. HISPANIC 4 43 30 7 722 16 3 31 21 5 5 12 9 2 1 13 9 140 100

GENDER 19/

MALE 16 146 114 25 15115 21 3 27 21 5 3 28 5 11 2 80 15 550 100

FEMALE 6 111 62 13 1481 23 2 32 18 4 4 21 6 6 2 38 11 352 100


GENDER NOT AVAILABLE 6/ 5 39 25 5 233 24 4 29 18 4 1 3 2 1 1 23 17 136 100

INCOME 9/


50-79% OF MSA/MD MEDIAN 11 128 46 19 871 21 3 39 14 6 2 10 3 5 2 34 10 332 100

80-99% OF MSA/MD MEDIAN 8 61 47 11 440 20 4 30 23 5 2 6 3 3 1 24 12 204 100

100-119% OF MSA/MD MEDIAN 3 20 32 2 428 24 3 17 28 2 3 9 8 4 3 13 11 115 100

120% OR MORE OF MSA/MD MEDIAN 6 100 156 19 1676 15 1 20 31 4 3 34 7 7 1 85 17 499 100

INCOME NOT AVAILABLE 6/ 3 14 5 513 24 5 25 9 9 2 4 13 24 55 100




RatioEmployment


InsufficientCash



Page 1 of 1


Number %

MortgageInsurance

Denied

Number %

Other

Number %

Total /22

Number %

AGGREGATE TABLE 8-2: REASONS FOR DENIAL OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 1 12 8 19 25 3 33 22 3 2 6 3 8 36 100

ASIAN 12 26 1 1129 26 11 23 1 10 11 10 1 1 21 19 112 100

BLACK OR AFRICAN AMERICAN 2 153 117 23 575 18 0 36 28 5 1 12 3 1 0 33 8 421 100

NAT HAWAIIAN/OTHER PACIFIC ISL 2 3 129 43 14 1 14 7 100

WHITE 130 2013 2981 445 3351828 20 1 22 32 5 4 660 7 42 0 926 10 9360 100

2 OR MORE MINORITY RACES 4 2 1 13 25 33 17 8 8 1 8 12 100

JOINT (WHITE/MINORITY RACE) 20 32 5 118 20 22 36 6 1 6 7 8 9 90 100

RACE NOT AVAILABLE 6/ 28 446 499 87 42365 21 2 25 28 5 2 97 5 4 0 198 11 1766 100

ETHNICITY 7/

HISPANIC OR LATINO 19 27 2 322 26 22 31 2 3 3 3 1 1 9 10 86 100



1 17 23 1 211 16 1 25 34 1 3 2 3 11 16 68 100

ETHNICITY NOT AVAILABLE 6/ 30 460 505 88 52361 20 2 25 28 5 3 114 6 5 0 201 11 1816 100

MINORITY STATUS 8/


OTHERS, INCL. HISPANIC 4 232 234 33 24165 20 0 28 29 4 3 37 5 3 0 85 10 817 100

GENDER 19/

MALE 59 725 1022 144 130653 20 2 22 31 4 4 191 6 8 0 347 11 3279 100

FEMALE 28 568 621 99 73551 24 1 25 27 4 3 131 6 10 0 196 9 2277 100


GENDER NOT AVAILABLE 6/ 23 345 315 61 18252 21 2 29 26 5 1 72 6 4 0 113 9 1203 100

INCOME 9/


50-79% OF MSA/MD MEDIAN 37 644 656 96 67599 25 2 27 27 4 3 137 6 4 0 189 8 2429 100

80-99% OF MSA/MD MEDIAN 22 364 571 79 52343 20 1 21 34 5 3 89 5 11 1 164 10 1695 100

100-119% OF MSA/MD MEDIAN 11 297 414 65 37191 16 1 24 34 5 3 79 6 4 0 123 10 1221 100

120% OR MORE OF MSA/MD MEDIAN 23 721 1649 262 164475 11 1 17 39 6 4 395 9 23 1 496 12 4208 100

INCOME NOT AVAILABLE 6/ 17 138 116 19 3565 12 3 26 22 4 7 31 6 1 0 109 21 531 100




RatioEmployment


InsufficientCash



Page 1 of 1


Number %

MortgageInsurance

Denied

Number %

Other

Number %

Total /22

Number %

AGGREGATE TABLE 8-3: REASONS FOR DENIAL OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/


ASIAN 12 1 115 42 33 3 3 1 3 6 17 36 100


NAT HAWAIIAN/OTHER PACIFIC ISL 2 2 14 40 20 20 10 1 10 10 100

WHITE 66 1528 419 100 80886 25 2 43 12 3 2 71 2 1 0 383 11 3534 100




ETHNICITY 7/




11 39 32 39 11 2 7 3 11 28 100


MINORITY STATUS 8/



GENDER 19/

MALE 30 654 156 32 56365 25 2 45 11 2 4 27 2 149 10 1469 100

FEMALE 21 680 114 27 40433 29 1 46 8 2 3 25 2 137 9 1477 100



INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 36 763 75 6 42526 33 2 48 5 0 3 17 1 115 7 1580 100

50-79% OF MSA/MD MEDIAN 28 589 106 24 38344 27 2 47 8 2 3 15 1 1 0 109 9 1254 100

80-99% OF MSA/MD MEDIAN 10 304 83 16 10139 21 1 45 12 2 1 15 2 92 14 669 100

100-119% OF MSA/MD MEDIAN 6 188 65 14 897 21 1 41 14 3 2 10 2 68 15 456 100






RatioEmployment


InsufficientCash



Page 1 of 1


Number %

MortgageInsurance

Denied

Number %

Other

Number %

Total /22

Number %

AGGREGATE TABLE 8-4: REASONS FOR DENIAL OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 1 100 1 100

ASIAN

BLACK OR AFRICAN AMERICAN


WHITE 12 1 36 22 44 4 11 5 19 27 100



RACE NOT AVAILABLE 6/ 7 8 8 16 17 19 22 22 3 6 17 36 100

ETHNICITY 7/

HISPANIC OR LATINO 1 100 1 100



ETHNICITY NOT AVAILABLE 6/ 8 8 8 18 21 21 21 21 3 6 15 39 100

MINORITY STATUS 8/


OTHERS, INCL. HISPANIC 2 100 2 100

GENDER 19/

MALE 7 33 17 39 17 5 28 18 100

FEMALE 31 25 75 4 100


GENDER NOT AVAILABLE 6/ 6 6 6 15 17 21 21 21 3 5 17 29 100

INCOME 9/










RatioEmployment


InsufficientCash



Page 1 of 1


Number %

MortgageInsurance

Denied

Number %

Other

Number %

Total /22

Number %

AGGREGATE TABLE 8-5: REASONS FOR DENIAL OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 1 100 1 100

ASIAN 3 1 17 37 16 5 5 2 11 5 26 19 100

BLACK OR AFRICAN AMERICAN 3 34 17 117 20 4 40 20 1 3 4 9 11 84 100


WHITE 12 160 178 22 28153 21 2 22 24 3 4 47 6 138 19 738 100




ETHNICITY 7/


NOT HISPANIC OR LATINO 15 199 191 25 26177 21 2 24 23 3 3 48 6 148 18 829 100


1 2 12 25 13 25 13 1 13 1 13 8 100


MINORITY STATUS 8/

WHITE NON-HISPANIC 12 157 168 21 26149 21 2 22 24 3 4 43 6 133 19 709 100


GENDER 19/

MALE 4 89 94 14 1079 21 1 23 25 4 3 24 6 68 18 382 100

FEMALE 7 62 32 3 841 21 4 32 17 2 4 13 7 25 13 191 100

JOINT (MALE/FEMALE) 4 59 87 11 1271 22 1 18 26 3 4 18 5 68 21 330 100


INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 9 72 18 7 350 28 5 40 10 4 2 5 3 17 9 181 100

50-79% OF MSA/MD MEDIAN 1 41 27 4 547 29 1 26 17 3 3 8 5 27 17 160 100

80-99% OF MSA/MD MEDIAN 2 30 33 2 230 25 2 25 28 2 2 4 3 16 13 119 100

100-119% OF MSA/MD MEDIAN 1 18 21 4 326 27 1 19 22 4 3 4 4 20 21 97 100


INCOME NOT AVAILABLE 6/ 3 21 17 5 325 23 3 19 15 5 3 1 1 36 32 111 100




RatioEmployment


InsufficientCash



Page 1 of 1


Number %

MortgageInsurance

Denied

Number %

Other

Number %

Total /22

Number %

AGGREGATE TABLE 8-6: REASONS FOR DENIAL OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

RACE 5/


ASIAN



WHITE 4 209 93 9 369 16 1 49 22 2 1 1 0 35 8 423 100




ETHNICITY 7/


NOT HISPANIC OR LATINO 5 214 92 9 370 16 1 50 21 2 1 1 0 34 8 428 100


1 100 1 100


MINORITY STATUS 8/

WHITE NON-HISPANIC 4 199 90 9 367 16 1 49 22 2 1 1 0 34 8 407 100

OTHERS, INCL. HISPANIC 1 19 32 8 4 76 12 25 100

GENDER 19/

MALE 1 67 32 5 222 15 1 47 23 4 1 13 9 142 100

FEMALE 72 17 128 22 58 14 1 7 6 125 100

JOINT (MALE/FEMALE) 4 96 48 3 124 12 2 50 25 2 1 1 1 16 8 193 100


INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 4 76 15 2 141 27 3 50 10 1 1 12 8 151 100

50-79% OF MSA/MD MEDIAN 2 83 27 5 225 16 1 53 17 3 1 12 8 156 100

80-99% OF MSA/MD MEDIAN 37 20 17 10 54 29 1 1 1 3 4 69 100

100-119% OF MSA/MD MEDIAN 17 16 1 13 8 44 41 3 3 1 3 39 100

120% OR MORE OF MSA/MD MEDIAN 33 23 15 7 46 32 1 1 1 9 13 72 100

INCOME NOT AVAILABLE 6/ 1 25 1 25 2 50 4 100




RatioEmployment


InsufficientCash



Page 1 of 1


Number %

MortgageInsurance

Denied

Number %

Other

Number %

Total /22

Number %

AGGREGATE TABLE 8-7: REASONS FOR DENIAL OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009

1990-MARCH 2000

LOANS ORIGINATED 316 930 53 2 2090 19510 73676 210610 5099 26040 3179 2434

APPLICAT'N APPROVED, NOT ACCEPTED 22 88 1 16 1510 5250 20513 25 169 471

APPLICATIONS DENIED 23 141 23 64 688 4454 30537 829 1404 1997

APPLICATIONS WITHDRAWN 25 154 7 48 1757 6193 34601 564 464

FILES CLOSED FOR INCOMPLETENESS 5 30 3862 7166 365

1980-1989


APPLICAT'N APPROVED, NOT ACCEPTED 39 161 11 48 1125 8872 31823 646 437

APPLICATIONS DENIED 40 409 48 1520 3320 6891 89018 2189 1679 27810

APPLICATIONS WITHDRAWN 49 302 15 528 4952 11560 64953 1608 307

FILES CLOSED FOR INCOMPLETENESS 6 70 22 143 1003 14692 65 451

1970-1979



APPLICATIONS DENIED 305 2777 492 5 119144 19764 40081 455644 21465 2767 13292 11912209

APPLICATIONS WITHDRAWN 199 1691 122 1 28104 16122 36764 286821 7156 142 4900 254734

FILES CLOSED FOR INCOMPLETENESS 41 394 18 925 3667 6497 67988 1650 1532 85113

1960-1969





FILES CLOSED FOR INCOMPLETENESS 43 477 45 1440 5115 4779 76933 3099 1553 5687

1959 OR EARLIER


APPLICAT'N APPROVED, NOT ACCEPTED 384 1654 324 10 136200 20095 47829 193503 11659 9414 10217 217630



FILES CLOSED FOR INCOMPLETENESS 97 895 90 4 52110 10305 11212 103716 4358 1360 4607 6509


AGGREGATE TABLE 9: DISPOSITION OF LOAN APPLICATIONS , BY MEDIAN AGE OF HOMES IN CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND TYPE OF LOAN, 2009


Census Tracts byMedian Age of Homes 23/




Families


Page 1 of 1

A B C D E F

Home Purchase Loans



Dwellings FromColumns A,B,C & D

G

$000'sNumber

Nonoccupant Loans

From Columns

A, B, C & D

PRINCIPAL CITY 24/




APPLICATIONS WITHDRAWN 139 764 93 1 10193 9453 22078 99116 5202 168 11027

FILES CLOSED FOR INCOMPLETENESS 31 144 18 1 2231 3439 4823 17681 681 560 2140

MSA/MD LESS PRINCIPAL CITY 25/





FILES CLOSED FOR INCOMPLETENESS 161 1722 140 3 53146 15791 19530 252814 8856 800 5552 211430


AGGREGATE TABLE 10: DISPOSITION OF LOAN APPLICATIONS , BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATION AND TYPE OF LOAN, 2009


Location Category FHA, FSA/RHS & VA Conventional



Families


Page 1 of 1

A B C D E F

Home Purchase Loans



Dwellings FromColumns A,B,C & D

G

$000'sNumber

Nonoccupant Loans

From Columns

A, B, C & D


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 2

ASIAN 4 462 5.50 5.53

BLACK OR AFRICAN AMERICAN 31 21 2 6 2289 4.05 3.55

NAT HAWAIIAN/OTHER PACIFIC ISL 7

WHITE 562 274 29 224 335006 2 4.47 4.14


JOINT (WHITE/MINORITY RACE) 4 2 1 140 4.00 3.81

RACE NOT AVAILABLE 6/ 46 30 7 9419 3.88 3.46

ETHNICITY 7/

HISPANIC OR LATINO 2 226 3.41 3.41

NOT HISPANIC OR LATINO 594 291 33 233 355358 2 4.46 4.09


3 1 223 4.78 5.31

ETHNICITY NOT AVAILABLE 6/ 48 33 6 9418 3.83 3.41

MINORITY STATUS 8/

WHITE NON-HISPANIC 551 265 29 222 334931 2 4.48 4.23

OTHERS, INCLUDING HISPANIC 44 26 3 13 2442 4.20 3.62

INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 109 73 8 22 5875 1 4.07 3.58

50-79% OF MSA/MD MEDIAN 223 118 17 69 181880 1 4.40 3.83

80-99% OF MSA/MD MEDIAN 120 61 7 47 51022 4.40 3.94

100-119% OF MSA/MD MEDIAN 71 35 2 31 3690 4.40 4.08

120% OR MORE OF MSA/MD MEDIAN 124 40 5 75 41333 4.76 5.19

INCOME NOT AVAILABLE 6/ 25

GENDER 19/

MALE 245 127 16 88 142021 4.38 3.83

FEMALE 162 86 8 56 111539 1 4.39 3.84

JOINT (MALE/FEMALE) 211 98 11 91 102049 1 4.50 4.81

GENDER NOT AVAILABLE 6/ 29 16 4 9216 4.13 3.54



LESS THAN 10% MINORITY 509 257 28 200 224806 2 4.41 3.95

10-19% MINORITY 78 38 4 31 5621 4.50 4.15

20-49% MINORITY 47 24 4 12 7284 4.38 3.86

50-79% MINORITY 8 5 2 176 3.88 3.52

80-100% MINORITY 5 3 1 138 4.09 3.81


LOW INCOME 7 4 2 141 4.42 3.57

MODERATE INCOME 90 51 10 20 8701 1 4.28 3.76

MIDDLE INCOME 377 210 21 125 203312 1 4.33 3.73

UPPER INCOME 173 62 8 97 61771 4.67 5.14


AGGREGATE TABLE 11 - 1: PRICING INFORMATION FOR FHA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)


BORROWER OR CENSUS TRACTCHARACTERISTICS

15/NO REPORTEDPRICING DATA

REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99

# # # # # #

Page 1 of 2

7 - 7.99

#

8 OR MORE

#

MEAN MEDIAN3 - 3.99

PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/


RACE 5/


ASIAN 495 49510487 5.45 5.52

BLACK OR AFRICAN AMERICAN 2560 1750 152 536 12225570 3.98 3.36


WHITE 61939 27032 2650 29431 2729617580 97 4.55 5.08




ETHNICITY 7/


NOT HISPANIC OR LATINO 64335 28255 2892 30240 2851654419 97 4.54 5.06


521 220 3013307 4.63 5.31


MINORITY STATUS 8/

WHITE NON-HISPANIC 60538 25932 2650 29130 2729608389 97 4.57 5.09


INCOME 9/


50-79% OF MSA/MD MEDIAN 19310 9865 1379 6566 1469182734 31 4.43 3.97

80-99% OF MSA/MD MEDIAN 12990 6099 775 5737 379124219 4.46 4.51

100-119% OF MSA/MD MEDIAN 9188 4429 248 4277 23493815 4.38 4.08



GENDER 19/

MALE 24759 12352 1385 9898 1124233836 4.40 4.00

FEMALE 15100 6974 593 6626 841156470 66 4.52 4.80






10-19% MINORITY 7405 2880 394 3820 31164241 4.63 5.17

20-49% MINORITY 3577 1478 242 1307 55025728 4.56 5.09

50-79% MINORITY 622 430 137 555956 3.71 3.46

80-100% MINORITY 328 194 26 1082637 4.31 3.81


LOW INCOME 414 185 164 652805 4.73 5.81

MODERATE INCOME 6108 3418 462 1646 55158962 31 4.30 3.64

MIDDLE INCOME 37264 19133 1968 14474 1623364504 66 4.41 3.91

UPPER INCOME 26235 8731 1077 15815 612283633 4.70 5.15


AGGREGATE TABLE 11 - 1: PRICING INFORMATION FOR FHA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

7 - 7.99

$000'S

8 OR MORE

$000'S

MEAN 30/ MEDIAN 31/3 - 3.99



RACE 5/


ASIAN 1

BLACK OR AFRICAN AMERICAN 3 2 117 3.64 3.57


WHITE 30 9 4 17441 4.65 5.13

2 OR MORE MINORITY RACES 1

JOINT (WHITE/MINORITY RACE) 1 17 4.70 4.70

RACE NOT AVAILABLE 6/ 1 147 3.31 3.31

ETHNICITY 7/


NOT HISPANIC OR LATINO 33 10 6 17463 4.61 5.03


1 15 3.15 3.15

ETHNICITY NOT AVAILABLE 6/ 43

MINORITY STATUS 8/

WHITE NON-HISPANIC 28 7 4 17431 4.76 5.16

OTHERS, INCLUDING HISPANIC 6 4 236 3.63 3.46

INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 2 1 132 4.31 4.31

50-79% OF MSA/MD MEDIAN 12 4 1 7126 4.62 5.20

80-99% OF MSA/MD MEDIAN 7 2 1 493 4.62 5.10

100-119% OF MSA/MD MEDIAN 3 2 181 3.68 3.57

120% OR MORE OF MSA/MD MEDIAN 11 3 3 5183 4.63 4.91


GENDER 19/

MALE 19 6 1 12237 4.69 5.24

FEMALE 24

JOINT (MALE/FEMALE) 16 6 5 5233 4.32 4.80

GENDER NOT AVAILABLE 6/ 22



LESS THAN 10% MINORITY 30 10 5 15454 4.55 4.97

10-19% MINORITY 4 1 1 246 4.53 4.59

20-49% MINORITY 1 115 3.57 3.57

50-79% MINORITY

80-100% MINORITY 1


LOW INCOME

MODERATE INCOME 7 1 2 455 4.89 5.15

MIDDLE INCOME 19 9 2 8295 4.32 4.90

UPPER INCOME 9 2 2 5166 4.67 5.03


AGGREGATE TABLE 11 - 2: PRICING INFORMATION FOR VA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





# # # # # #

Page 1 of 2

7 - 7.99

#

8 OR MORE

#

MEAN MEDIAN3 - 3.99



RACE 5/


ASIAN 175



WHITE 3923 953 664 230666659 4.72 5.15




ETHNICITY 7/




159 1591042 3.15 3.15


MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 1323 368 148 80713661 4.73 5.24

80-99% OF MSA/MD MEDIAN 713 271 67 37511800 4.44 5.10

100-119% OF MSA/MD MEDIAN 364 215 14912512 3.73 3.57



GENDER 19/

MALE 2150 553 67 153033678 4.82 5.24

FEMALE 2585






10-19% MINORITY 319 64 67 1885384 4.64 5.15

20-49% MINORITY 81 811686 3.57 3.57

50-79% MINORITY

80-100% MINORITY 36


LOW INCOME

MODERATE INCOME 926 234 215 4775467 4.72 5.15

MIDDLE INCOME 2244 1018 367 85941060 4.33 4.90

UPPER INCOME 1572 282 320 97033640 4.75 5.17


AGGREGATE TABLE 11 - 2: PRICING INFORMATION FOR VA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

7 - 7.99

$000'S

8 OR MORE

$000'S

MEAN 30/ MEDIAN 31/3 - 3.99



RACE 5/


ASIAN 3 2 1223 3.78 3.58

BLACK OR AFRICAN AMERICAN 11 8 2 191 3.71 3.43


WHITE 428 209 115 94 57003 3 2 4.22 4.04




ETHNICITY 7/

HISPANIC OR LATINO 3 1 1 149 4.70 4.99

NOT HISPANIC OR LATINO 435 219 118 88 57285 3 2 4.19 3.99


2 1 144 4.27 4.27


MINORITY STATUS 8/

WHITE NON-HISPANIC 416 205 114 87 56857 3 2 4.21 4.04

OTHERS, INCLUDING HISPANIC 23 15 5 3474 3.89 3.45

INCOME 9/


50-79% OF MSA/MD MEDIAN 118 63 24 291457 1 1 4.25 3.85

80-99% OF MSA/MD MEDIAN 72 34 22 161048 4.17 4.18

100-119% OF MSA/MD MEDIAN 42 24 11 6 1813 3.96 3.60

120% OR MORE OF MSA/MD MEDIAN 183 89 56 34 23928 2 4.18 4.11

INCOME NOT AVAILABLE 6/ 1 168 3.22 3.22

GENDER 19/

MALE 149 84 29 33 12232 2 4.13 3.78

FEMALE 81 34 22 21 31549 1 4.33 4.40





LESS THAN 10% MINORITY 405 201 105 90 46912 3 2 4.22 4.03

10-19% MINORITY 37 22 11 4636 3.90 3.70

20-49% MINORITY 16 10 3 3308 3.98 3.68

50-79% MINORITY 6 3 2 132 5.09 4.94

80-100% MINORITY 3 327 3.43 3.50


LOW INCOME 2 1 126 4.65 4.65

MODERATE INCOME 70 46 16 6 1584 1 3.97 3.61

MIDDLE INCOME 230 128 47 51 23304 1 1 4.12 3.78

UPPER INCOME 165 62 58 41 24001 2 4.38 4.51


AGGREGATE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





# # # # # #

Page 1 of 2

7 - 7.99

#

8 OR MORE

#

MEAN MEDIAN3 - 3.99



RACE 5/


ASIAN 392 192 20050810 3.91 4.30



WHITE 55616 25183 16119 13098 6961171352 474 46 4.25 4.33




ETHNICITY 7/

HISPANIC OR LATINO 769 512 145 1126355 3.96 3.26



753 450 30310014 4.05 3.14


MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 8666 4245 1674 2664137313 51 32 4.34 4.11

80-99% OF MSA/MD MEDIAN 6604 2940 1959 1705126631 4.23 4.36

100-119% OF MSA/MD MEDIAN 5539 2771 1634 716 418112125 4.10 3.82



GENDER 19/

MALE 15154 8369 3087 3154 418326493 126 4.14 3.78

FEMALE 8116 3236 2118 2229 185189160 348 4.45 4.57






10-19% MINORITY 4401 2329 1464 60892016 3.94 3.75

20-49% MINORITY 1192 738 243 21150775 4.14 3.97

50-79% MINORITY 244 83 126 353294 5.17 5.01

80-100% MINORITY 388 3883043 3.47 3.55


LOW INCOME 94 35 592799 4.74 5.01

MODERATE INCOME 4624 3453 735 387 3560157 14 3.77 3.49

MIDDLE INCOME 25873 14246 5025 6345 150445964 75 32 4.12 3.78

UPPER INCOME 32077 12379 11512 7276 511839687 399 4.35 4.49


AGGREGATE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

7 - 7.99

$000'S

8 OR MORE

$000'S

MEAN 30/ MEDIAN 31/3 - 3.99



RACE 5/


ASIAN 3 312 5.52 5.66

BLACK OR AFRICAN AMERICAN 1 13 5.02 5.02


WHITE 60 52 7 1424 5.48 5.35




ETHNICITY 7/




1 11 5.20 5.20

ETHNICITY NOT AVAILABLE 6/ 1 120 5.00 5.00

MINORITY STATUS 8/


OTHERS, INCLUDING HISPANIC 6 620 5.32 5.16

INCOME 9/


50-79% OF MSA/MD MEDIAN 11 10 157 5.37 5.32

80-99% OF MSA/MD MEDIAN 9 956 5.35 5.31

100-119% OF MSA/MD MEDIAN 6 647 5.37 5.37



GENDER 19/

MALE 23 21 2103 5.46 5.39

FEMALE 10 8 262 5.61 5.36






10-19% MINORITY 11 1136 5.22 5.14

20-49% MINORITY 6 5 121 5.63 5.54

50-79% MINORITY 5

80-100% MINORITY


LOW INCOME 2

MODERATE INCOME 6 5 132 5.42 5.36

MIDDLE INCOME 26 26187 5.31 5.28

UPPER INCOME 34 27 6 1239 5.60 5.51


AGGREGATE TABLE 11 - 4: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





# # # # # #

Page 1 of 2

9 - 9.99

#

10 OR MORE

#

MEAN MEDIAN5 - 5.99



RACE 5/


ASIAN 133 133891 5.51 5.66



WHITE 1721 1496 190 3519400 5.49 5.33




ETHNICITY 7/




85 859 5.20 5.20

ETHNICITY NOT AVAILABLE 6/ 8 81075 5.00 5.00

MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 135 121 141754 5.36 5.31

80-99% OF MSA/MD MEDIAN 125 1251206 5.39 5.31

100-119% OF MSA/MD MEDIAN 66 661283 5.36 5.33



GENDER 19/

MALE 547 523 243647 5.47 5.42

FEMALE 260 202 581678 5.74 5.82






10-19% MINORITY 366 3661368 5.12 5.04

20-49% MINORITY 237 162 75964 5.80 5.62

50-79% MINORITY 419

80-100% MINORITY


LOW INCOME 349

MODERATE INCOME 94 84 101305 5.21 5.01

MIDDLE INCOME 549 5496446 5.31 5.20

UPPER INCOME 1324 1109 180 3513063 5.56 5.40


AGGREGATE TABLE 11 - 4: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

9 - 9.99

$000'S

10 OR MORE

$000'S

MEAN 30/ MEDIAN 31/5 - 5.99



RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 1 16 3.24 3.24

ASIAN 7


NAT HAWAIIAN/OTHER PACIFIC ISL 1 11 3.35 3.35

WHITE 370 296 20 53 13120 23.67 3.32



RACE NOT AVAILABLE 6/ 64 55 7 1 1435 3.47 3.21

ETHNICITY 7/


NOT HISPANIC OR LATINO 398 317 24 56 13248 23.68 3.32


25

ETHNICITY NOT AVAILABLE 6/ 54 46 6 1 1409 3.49 3.24

MINORITY STATUS 8/

WHITE NON-HISPANIC 363 289 20 53 13051 23.68 3.32


INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 49 41 3 4 1231 13.61 3.32

50-79% OF MSA/MD MEDIAN 96 76 7 13626 3.68 3.39

80-99% OF MSA/MD MEDIAN 75 60 7 7 1520 3.62 3.32

100-119% OF MSA/MD MEDIAN 46 34 3 9403 3.79 3.30


INCOME NOT AVAILABLE 6/ 63 53 3 7850 3.60 3.25

GENDER 19/

MALE 139 117 9 12 11082 13.60 3.33

FEMALE 94 73 4 16 1683 3.73 3.34





LESS THAN 10% MINORITY 393 317 27 48 13280 23.64 3.31

10-19% MINORITY 35 28 2 4 1274 3.74 3.43

20-49% MINORITY 18 15 3109 3.64 3.42

50-79% MINORITY 9 7 1 127 3.70 3.39

80-100% MINORITY 1 19 5.34 5.34


LOW INCOME 3 1 26 4.74 5.34

MODERATE INCOME 60 52 4 4341 3.54 3.37

MIDDLE INCOME 259 210 17 31 12114 13.65 3.32

UPPER INCOME 134 104 9 20 11238 13.69 3.30


AGGREGATE TABLE 11 - 5: PRICING INFORMATION FOR FHA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




# # # # # #

Page 1 of 2

7 - 7.99

#

8 OR MORE

#

MEAN MEDIAN3 - 3.99

PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/

#


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 193 193812 3.24 3.24

ASIAN 1259



WHITE 49412 39187 2630 7491 104467486 1783.67 3.30




ETHNICITY 7/


NOT HISPANIC OR LATINO 52901 41774 3293 7730 104483074 1783.67 3.30


4596


MINORITY STATUS 8/

WHITE NON-HISPANIC 48531 38306 2630 7491 104456910 1783.68 3.30


INCOME 9/


50-79% OF MSA/MD MEDIAN 10106 8029 709 136870096 3.67 3.34

80-99% OF MSA/MD MEDIAN 9893 8006 903 880 10469591 3.59 3.26

100-119% OF MSA/MD MEDIAN 6515 4525 701 128961974 3.85 3.30



GENDER 19/

MALE 17439 14543 1449 1343 104158086 763.59 3.30

FEMALE 10196 7920 310 1699 26783828 3.75 3.32





LESS THAN 10% MINORITY 53534 42996 3765 6669 104503171 1783.63 3.29

10-19% MINORITY 4282 3122 276 617 26732287 3.94 3.54

20-49% MINORITY 1939 1469 47012219 3.75 3.37

50-79% MINORITY 727 587 66 742897 3.62 3.34

80-100% MINORITY 30 301087 5.34 5.34


LOW INCOME 163 59 104581 4.72 5.34

MODERATE INCOME 6053 5160 403 49037943 3.54 3.37

MIDDLE INCOME 32996 26360 2426 4106 104289246 1023.65 3.30

UPPER INCOME 21300 16595 1278 3160 267223891 763.69 3.28


AGGREGATE TABLE 11 - 5: PRICING INFORMATION FOR FHA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

7 - 7.99

$000'S

8 OR MORE

$000'S

MEAN 30/ MEDIAN 31/3 - 3.99


$000'S


RACE 5/


ASIAN 2



WHITE 3 1 2316 4.31 4.66


JOINT (WHITE/MINORITY RACE) 3

RACE NOT AVAILABLE 6/ 49

ETHNICITY 7/

HISPANIC OR LATINO 2

NOT HISPANIC OR LATINO 4 2 2329 4.07 4.09


4


MINORITY STATUS 8/

WHITE NON-HISPANIC 3 1 2308 4.31 4.66


INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 13

50-79% OF MSA/MD MEDIAN 17


100-119% OF MSA/MD MEDIAN 1 117 4.66 4.66

120% OR MORE OF MSA/MD MEDIAN 1 161 3.52 3.52

INCOME NOT AVAILABLE 6/ 2 1 1252 4.04 4.04

GENDER 19/

MALE 1 1138 3.33 3.33

FEMALE 22

JOINT (MALE/FEMALE) 3 1 2194 4.31 4.66




LESS THAN 10% MINORITY 3 1 2341 4.31 4.66

10-19% MINORITY 33

20-49% MINORITY 1 19 3.33 3.33

50-79% MINORITY

80-100% MINORITY


LOW INCOME

MODERATE INCOME 2 1 128 4.00 4.00

MIDDLE INCOME 1 1221 4.75 4.75

UPPER INCOME 1 1134 3.52 3.52


AGGREGATE TABLE 11 - 6: PRICING INFORMATION FOR VA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




# # # # # #

Page 1 of 2

7 - 7.99

#

8 OR MORE

#

MEAN MEDIAN3 - 3.99


#


RACE 5/


ASIAN 318



WHITE 867 414 45353508 4.15 4.66



RACE NOT AVAILABLE 6/ 8210

ETHNICITY 7/

HISPANIC OR LATINO 427

NOT HISPANIC OR LATINO 944 491 45355026 4.08 3.52


606


MINORITY STATUS 8/

WHITE NON-HISPANIC 867 414 45352254 4.15 4.66


INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 2258



100-119% OF MSA/MD MEDIAN 121 1213234 4.66 4.66

120% OR MORE OF MSA/MD MEDIAN 414 41412598 3.52 3.52


GENDER 19/

MALE 77 7720745 3.33 3.33

FEMALE 3423

JOINT (MALE/FEMALE) 867 414 45334767 4.15 4.66




LESS THAN 10% MINORITY 867 414 45358547 4.15 4.66

10-19% MINORITY 4352

20-49% MINORITY 77 77959 3.33 3.33

50-79% MINORITY

80-100% MINORITY


LOW INCOME

MODERATE INCOME 198 77 1213496 4.14 4.66

MIDDLE INCOME 332 33233119 4.75 4.75

UPPER INCOME 414 41427243 3.52 3.52


AGGREGATE TABLE 11 - 6: PRICING INFORMATION FOR VA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

7 - 7.99

$000'S

8 OR MORE

$000'S

MEAN 30/ MEDIAN 31/3 - 3.99


$000'S


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 4 2 224 4.15 4.01

ASIAN 8 6 1374 1 3.97 3.56

BLACK OR AFRICAN AMERICAN 33 15 2 7163 6 3 5.10 4.17


WHITE 1255 684 389 93 2219574 34 33 44.15 3.81


JOINT (WHITE/MINORITY RACE) 7 1 3 2162 1 5.02 4.87

RACE NOT AVAILABLE 6/ 112 64 39 4 12008 2 2 4.05 3.85

ETHNICITY 7/

HISPANIC OR LATINO 4 3 194 3.65 3.35



3 2 1142 3.43 3.11

ETHNICITY NOT AVAILABLE 6/ 125 67 42 12 12075 1 2 4.11 3.90

MINORITY STATUS 8/


OTHERS, INCLUDING HISPANIC 59 29 10 9967 8 3 4.69 4.07

INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 212 113 52 21 3933 12 11 4.39 3.87

50-79% OF MSA/MD MEDIAN 294 171 73 25 42731 10 11 34.18 3.75

80-99% OF MSA/MD MEDIAN 223 129 61 15 72730 5 6 14.17 3.77

100-119% OF MSA/MD MEDIAN 152 96 42 5 32311 4 2 3.97 3.63

120% OR MORE OF MSA/MD MEDIAN 524 252 206 40 513051 13 8 4.14 4.02


GENDER 19/

MALE 278 159 75 20 74459 7 10 4.17 3.75

FEMALE 270 153 73 25 53075 8 6 4.15 3.74

JOINT (MALE/FEMALE) 785 413 256 57 1013526 28 21 44.18 3.87

GENDER NOT AVAILABLE 6/ 86 47 32 4 11271 1 1 4.04 3.87




10-19% MINORITY 90 50 22 4 41276 4 6 4.34 3.74

20-49% MINORITY 61 34 16 7 1572 3 4.20 3.77

50-79% MINORITY 15 8 1 254 3 1 4.88 3.95

80-100% MINORITY 15 6 3 328 2 1 4.92 4.81


LOW INCOME 8 5 1 224 3.99 3.53

MODERATE INCOME 231 142 51 20 31214 8 7 4.13 3.69

MIDDLE INCOME 799 447 231 53 119583 30 27 44.19 3.77

UPPER INCOME 381 178 153 31 911510 6 4 4.15 4.10


AGGREGATE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




# # # # # #

Page 1 of 2

7 - 7.99

#

8 OR MORE

#

MEAN MEDIAN3 - 3.99


#


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 463 107 3563334 4.46 4.27

ASIAN 1159 921 12082830 118 3.91 3.62

BLACK OR AFRICAN AMERICAN 2091 1266 73 28822624 300 164 4.59 3.34


WHITE 117122 57254 42967 8774 25333262647 3377 2217 2374.21 4.04


JOINT (WHITE/MINORITY RACE) 1537 373 611 47832471 75 4.72 4.87

RACE NOT AVAILABLE 6/ 11718 5400 5597 319 15354660 215 172 4.07 4.02

ETHNICITY 7/




652 552 10025756 3.23 3.11

ETHNICITY NOT AVAILABLE 6/ 12480 5660 5712 840 15358405 81 172 4.09 4.02

MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 17959 10248 4266 1664 431266681 752 598 1874.22 3.76

80-99% OF MSA/MD MEDIAN 16123 9047 4566 1327 572317015 230 381 504.16 3.79

100-119% OF MSA/MD MEDIAN 13082 7278 4650 376 272304183 324 182 4.05 3.73



GENDER 19/

MALE 24802 12008 7960 2274 1458725759 508 594 4.28 4.10

FEMALE 18164 9588 5850 1406 413389968 444 463 4.19 3.92


GENDER NOT AVAILABLE 6/ 8819 4212 4138 319 15217120 60 75 3.99 4.02




10-19% MINORITY 6825 3229 1459 203 1039186864 377 518 4.69 4.04

20-49% MINORITY 4261 2408 1327 338 53100664 135 4.12 3.77

50-79% MINORITY 913 514 58 955245 141 105 4.87 3.57

80-100% MINORITY 713 288 181 943096 124 26 4.87 4.81


LOW INCOME 628 430 58 1402722 3.93 3.57

MODERATE INCOME 13289 8635 2686 1066 355134895 300 247 4.05 3.66

MIDDLE INCOME 61434 32224 19303 4723 7231314764 2676 1785 2374.22 3.92

UPPER INCOME 58739 24032 27677 3930 14702311517 1109 521 4.22 4.18


AGGREGATE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

7 - 7.99

$000'S

8 OR MORE

$000'S

MEAN 30/ MEDIAN 31/3 - 3.99


$000'S


RACE 5/


ASIAN 5



WHITE 110 80 19 5 21417 2 2 15.81 5.35




ETHNICITY 7/




11


MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 18 12 5210 1 15.86 5.55

80-99% OF MSA/MD MEDIAN 9 6 3196 5.81 5.88

100-119% OF MSA/MD MEDIAN 14 7 4 1 1169 1 6.42 6.16



GENDER 19/

MALE 28 22 5224 1 5.73 5.40

FEMALE 20 12 5 1192 2 16.21 5.62


GENDER NOT AVAILABLE 6/ 10 7 3117 5.57 5.25




10-19% MINORITY 8 689 2 16.77 5.74

20-49% MINORITY 6 5 136 5.59 5.33

50-79% MINORITY 3

80-100% MINORITY 15 1 19.68 9.68


LOW INCOME 1 14 5.97 5.97

MODERATE INCOME 11 9 1151 1 5.94 5.39

MIDDLE INCOME 76 52 14 5 2852 3 15.88 5.36

UPPER INCOME 36 27 7581 1 1 15.75 5.30


AGGREGATE TABLE 11 - 8: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




# # # # # #

Page 1 of 2

9 - 9.99

#

10 OR MORE

#

MEAN MEDIAN5 - 5.99


#


RACE 5/


ASIAN 349



WHITE 3601 2746 421 184 2971959 163 58 375.80 5.27




ETHNICITY 7/




477


MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 351 247 597341 45 456.08 5.61

80-99% OF MSA/MD MEDIAN 167 116 517945 5.76 5.88

100-119% OF MSA/MD MEDIAN 379 202 64 28 87140 77 6.77 5.95



GENDER 19/

MALE 826 713 9210905 21 5.58 5.33

FEMALE 545 304 113 67598 122 456.64 5.73


GENDER NOT AVAILABLE 6/ 432 267 1657543 5.66 5.35




10-19% MINORITY 348 2903525 58 376.15 5.06

20-49% MINORITY 203 197 61841 5.26 5.26

50-79% MINORITY 49

80-100% MINORITY 45104 45 459.68 9.68


LOW INCOME 23 23109 5.97 5.97

MODERATE INCOME 344 317 66838 21 5.53 5.08

MIDDLE INCOME 2346 1686 263 184 2939425 184 455.95 5.35

UPPER INCOME 1490 1050 31735864 86 37 375.84 5.13


AGGREGATE TABLE 11 - 8: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

9 - 9.99

$000'S

10 OR MORE

$000'S

MEAN 30/ MEDIAN 31/5 - 5.99


$000'S


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 4 1 2 12 4.62 4.44

ASIAN 1 19 3.55 3.55



WHITE 517 290 136 47 181452 9 17 124.28 3.89


JOINT (WHITE/MINORITY RACE) 4 3 15 4.07 3.83

RACE NOT AVAILABLE 6/ 31 17 7 3 3112 1 4.28 3.92

ETHNICITY 7/




3 1 27 4.27 4.21

ETHNICITY NOT AVAILABLE 6/ 30 15 7 4 3134 1 4.41 4.02

MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 167 84 49 16 3335 5 10 64.47 3.98

80-99% OF MSA/MD MEDIAN 83 48 24 4 3234 4 34.33 3.85

100-119% OF MSA/MD MEDIAN 51 29 13 5 1148 1 2 4.23 3.85



GENDER 19/

MALE 129 66 38 14 5307 3 3 14.28 3.96

FEMALE 138 74 39 9 6334 1 9 34.39 3.95


GENDER NOT AVAILABLE 6/ 21 13 4 3 189 4.03 3.81




10-19% MINORITY 38 17 15 2 2130 2 4.35 4.14

20-49% MINORITY 19 10 4 1 154 3 14.64 3.95

50-79% MINORITY 1 118 3.85 3.85

80-100% MINORITY 5 59 3.63 3.74


LOW INCOME 3 39 13.49 3.55

MODERATE INCOME 142 76 44 11 6194 2 3 34.25 3.94

MIDDLE INCOME 338 194 80 31 13884 5 15 84.34 3.88

UPPER INCOME 90 51 23 9 3521 2 2 4.13 3.74


AGGREGATE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




# # # # # #

Page 1 of 2

7 - 7.99

#

8 OR MORE

#

MEAN MEDIAN3 - 3.99


#


RACE 5/

AMERICAN INDIAN/ALASKA NATIVE 174 50 105 19139 4.20 4.04

ASIAN 60 601056 3.55 3.55



WHITE 19639 11860 4415 1712 417123244 454 781 3684.22 3.85


JOINT (WHITE/MINORITY RACE) 103 83 20322 4.04 3.81

RACE NOT AVAILABLE 6/ 1395 793 187 250 11210765 53 4.29 3.92

ETHNICITY 7/




99 38 61536 4.18 4.21

ETHNICITY NOT AVAILABLE 6/ 1440 752 263 255 11712254 53 4.35 3.94

MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 5525 2899 1464 354 7618246 318 414 2074.50 3.94

80-99% OF MSA/MD MEDIAN 2847 1825 616 88 10815981 210 694.30 3.77

100-119% OF MSA/MD MEDIAN 2099 1272 541 108 4011431 39 99 4.15 3.72



GENDER 19/

MALE 4318 2354 1051 613 7325152 140 87 164.22 3.89

FEMALE 4387 2416 981 129 27419909 87 500 934.59 3.92






10-19% MINORITY 1271 565 365 129 1198589 93 4.49 4.17

20-49% MINORITY 611 247 111 100 135050 140 164.98 4.17

50-79% MINORITY 30 30799 3.85 3.85

80-100% MINORITY 126 126306 3.67 3.74


LOW INCOME 68 68343 163.57 3.55

MODERATE INCOME 4463 2512 1440 276 6210391 63 110 984.13 3.85

MIDDLE INCOME 13000 8061 2406 1162 31663092 291 764 2544.29 3.85

UPPER INCOME 4342 2520 953 544 17063246 100 55 4.14 3.90


AGGREGATE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

7 - 7.99

$000'S

8 OR MORE

$000'S

MEAN 30/ MEDIAN 31/3 - 3.99


$000'S


RACE 5/


ASIAN 2 17 1 7.38 7.38



WHITE 168 93 38 27 51428 2 3 6.19 5.90




ETHNICITY 7/




1 19 6.67 6.67


MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 43 17 9 11 3244 2 1 6.65 6.64

80-99% OF MSA/MD MEDIAN 28 15 3 7219 2 1 6.46 5.90

100-119% OF MSA/MD MEDIAN 24 13 6 4 1202 6.08 5.96



GENDER 19/

MALE 36 18 5 9 2301 1 1 6.39 6.00

FEMALE 40 22 9 7247 1 1 6.29 5.85






10-19% MINORITY 15 8 2 3111 1 1 6.47 5.98

20-49% MINORITY 6 2 3 160 6.37 6.15

50-79% MINORITY 3 1 212 6.78 7.10

80-100% MINORITY 1 18 5.74 5.74


LOW INCOME 2 1 15 6.56 6.56

MODERATE INCOME 27 14 5 5 2183 1 6.33 5.93

MIDDLE INCOME 107 56 24 20 3894 3 1 6.27 5.98

UPPER INCOME 56 32 13 9525 1 1 6.14 5.70


AGGREGATE TABLE 11 - 10: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




# # # # # #

Page 1 of 2

9 - 9.99

#

10 OR MORE

#

MEAN MEDIAN5 - 5.99


#


RACE 5/


ASIAN 45 40493 5 5.89 5.47



WHITE 3233 1966 708 384 4645796 24 105 6.10 5.57




ETHNICITY 7/




19 19329 6.67 6.67


MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 587 285 122 121 294869 15 15 6.43 6.61

80-99% OF MSA/MD MEDIAN 437 285 25 895369 19 19 6.25 5.47

100-119% OF MSA/MD MEDIAN 431 291 72 57 115233 5.80 5.38



GENDER 19/

MALE 592 329 92 132 148512 10 15 6.22 5.73

FEMALE 662 410 96 805555 5 71 6.63 5.59






10-19% MINORITY 228 117 24 673493 5 15 6.46 5.98

20-49% MINORITY 97 17 62 181802 6.42 6.16

50-79% MINORITY 30 8 22294 6.85 7.10

80-100% MINORITY 6 698 5.74 5.74


LOW INCOME 22 8 1464 6.71 7.10

MODERATE INCOME 441 264 84 63 154373 15 6.06 5.82

MIDDLE INCOME 1889 1138 398 274 3126846 29 19 6.04 5.59

UPPER INCOME 1386 807 357 14620185 5 71 6.23 5.62


AGGREGATE TABLE 11 - 10: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA




$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

9 - 9.99

$000'S

10 OR MORE

$000'S

MEAN 30/ MEDIAN 31/5 - 5.99


$000'S


RACE 5/


ASIAN



WHITE 139 46 182 25 11403 21915 8549 2513 8495 1811 547




ETHNICITY 7/



JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO) 11 12 12


MINORITY STATUS 8/



INCOME 9/


50-79% OF MSA/MD MEDIAN 43 20 66 9 3141 6903 2321 1085 2953 456 88

80-99% OF MSA/MD MEDIAN 30 11 28 3 173 4376 1947 673 1385 315 56

100-119% OF MSA/MD MEDIAN 10 4 10 630 2358 585 298 742 733


INCOME NOT AVAILABLE 6/ 1 12 82 67 15

GENDER 19/

MALE 48 19 54 7 6134 6961 2995 1000 2392 390 184

FEMALE 37 12 74 5 3131 5719 1693 601 3071 235 119


GENDER NOT AVAILABLE 6/ 5 3 8 319 835 158 119 309 249




10-19% MINORITY 2 5 1 19 585 116 368 46 55

20-49% MINORITY 2 24 226 145 81

50-79% MINORITY

80-100% MINORITY 11 37 37


LOW INCOME 1 23 194 113 81

MODERATE INCOME 35 11 50 3 2101 5721 2213 573 2510 347 78

MIDDLE INCOME 107 34 109 23 8281 15391 6352 1764 5231 1620 424

UPPER INCOME 6 3 44 2 156 2478 373 182 1766 112 45


AGGREGATE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009


Borrower or Census Tract Characteristics


LoansOriginated


ApplicationsDenied



# # # # # #$000's $000's $000's $000's $000's $000's

Page 1 of 1


RACE 5/


ASIAN



WHITE 78 13 21 11 1644 7 5 5.92 5.175




ETHNICITY 7/

HISPANIC OR LATINO 11 10.76 10.761




MINORITY STATUS 8/


OTHERS, INCLUDING HISPANIC 11 10.76 10.761

INCOME 9/


50-79% OF MSA/MD MEDIAN 24 3 7 4 615 2 1 5.79 5.291

80-99% OF MSA/MD MEDIAN 17 1 6 4 18 3 6.49 5.092

100-119% OF MSA/MD MEDIAN 34 1 1 9.05 8.341



GENDER 19/

MALE 23 5 4 4 520 3 1 5.76 5.411

FEMALE 25 2 8 2 57 2 4 6.56 6.272






10-19% MINORITY 2 1 1 4.45 4.45

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY


LOW INCOME

MODERATE INCOME 19 3 6 1 59 1 2 5.89 5.411

MIDDLE INCOME 57 9 16 11 1040 3 4 5.88 5.094

UPPER INCOME 5 1 1 3 6.75 7.53


AGGREGATE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





# # # # # #

Page 1 of 2

7 - 7.99

#

8 - 9.99

#

MEAN MEDIAN3 - 3.99


10 OR MORE

#


RACE 5/


ASIAN



WHITE 3479 658 1206 590 6003709 169 191 5.31 4.8365




ETHNICITY 7/

HISPANIC OR LATINO 1962 10.76 10.7619




MINORITY STATUS 8/


OTHERS, INCLUDING HISPANIC 1962 10.76 10.7619

INCOME 9/


50-79% OF MSA/MD MEDIAN 1069 112 473 191 1931047 54 42 5.32 4.834

80-99% OF MSA/MD MEDIAN 784 63 311 246 66677 61 5.52 5.0137

100-119% OF MSA/MD MEDIAN 40299 16 19 8.42 8.345



GENDER 19/

MALE 1084 159 295 230 2741496 67 46 5.38 5.1713

FEMALE 965 92 406 75 141495 63 145 6.03 4.7943






10-19% MINORITY 116 44 72 4.62 5.16

20-49% MINORITY

50-79% MINORITY

80-100% MINORITY


LOW INCOME

MODERATE INCOME 848 156 340 66 159708 16 106 5.40 4.765

MIDDLE INCOME 2504 442 891 544 4073310 70 90 5.21 4.8360

UPPER INCOME 177 60 34 83 6.17 6.98


AGGREGATE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)





$000'S $000'S $000'S $000'S $000'S $000'S

Page 2 of 2

7 - 7.99

$000'S

8 - 9.99

$000'S

MEAN 30/ MEDIAN 31/3 - 3.99


10 OR MORE

$000'S

TOTAL APPLICATIONS 28/

CONVENTIONAL 848 45804 3653 4485 409613694 2629

FHA 13245 175 1889663 67

VA 742 2809

FSA/RHS 8618

LOANS ORIGINATED

CONVENTIONAL 662 27700 2023 2643 215210571 1083

FHA 4806 65 657718 24

VA 434 1642

FSA/RHS 5463

APPLICATIONS APPROVED BUT NOT ACCEPTED

CONVENTIONAL 36 2586 231 190 167739 142

FHA 723 18 17308 13

VA 4831

FSA/RHS 17

APPLICATIONS DENIED

CONVENTIONAL 82 9234 1073 1238 13651195 1326

FHA 4040 66 88797 21

VA 113 166

FSA/RHS 2108

APPLICATIONS WITHDRAWN

CONVENTIONAL 54 5009 269 340 3351022 75

FHA 3195 24 18695 9

VA 10961

FSA/RHS 19


CONVENTIONAL 14 1275 57 74 77167 3

FHA 481 2145

VA 389

FSA/RHS 21

MEMO ITEM: SUBSET OF LOANS ORIGINATED

PREAPPROVALS RESULTING IN ORIGINATIONS

CONVENTIONAL 8 NA NA NA NA615 NA

FHA NA NA NA NA458 NA

VA NA NA NA NA64 NA

FSA/RHS NA NA NA NA9 NA

LOANS SOLD

CONVENTIONAL 92 19172 15 385 157524 3

FHA 4471 527290

VA 389 1613

FSA/RHS 5445


SUMMARY TABLE A1: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILIES (EXCLUDES MANUFACTURED HOMES), 2009


LOAN TYPE

Page 1 of 1

FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN

HOME PURCHASE REFINANCE HOME IMPROVEMENT


CONVENTIONAL 6 359 33 73 41450 54

FHA 93 265 17

VA 26

FSA/RHS

LOANS ORIGINATED

CONVENTIONAL 4 146 20 26 13153 20

FHA 31 131 7

VA 4

FSA/RHS


CONVENTIONAL 26 1 1 350 2

FHA 57

VA 11

FSA/RHS

APPLICATIONS DENIED

CONVENTIONAL 131 11 42 21207 32

FHA 4315 9

VA 1

FSA/RHS



FHA 12 110 1

VA 1

FSA/RHS


CONVENTIONAL 13 211

FHA 22

VA

FSA/RHS


PREAPPROVALS RESULTING IN ORIGINATIONS

CONVENTIONAL NA NA NA NA2 NA

FHA NA NA NA NA2 NA

VA NA NA NA NA NA

FSA/RHS NA NA NA NA NA

LOANS SOLD

CONVENTIONAL 3816

FHA 26 128

VA 4

FSA/RHS


SUMMARY TABLE A2: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOME, 2009


LOAN TYPE

Page 1 of 1




CONVENTIONAL 1 92 5 28 775 7

FHA 3

VA

FSA/RHS

LOANS ORIGINATED

CONVENTIONAL 1 63 4 20 549 1

FHA 3

VA

FSA/RHS


CONVENTIONAL 7 12

FHA

VA

FSA/RHS

APPLICATIONS DENIED


FHA

VA

FSA/RHS


CONVENTIONAL 63

FHA

VA

FSA/RHS


CONVENTIONAL 22

FHA

VA

FSA/RHS


LOANS SOLD

CONVENTIONAL 1 12

FHA 3

VA

FSA/RHS


SUMMARY TABLE A3: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY, 2009


LOAN TYPE

Page 1 of 1




RACE 5/

AMERICAN IND/ALASKA NATIVE NA NA NA NA

ASIAN 17 3388 NA NA NA NA

BLACK OR AFRICAN AMERICAN 11 938 NA NA NA NA

NAT HAWAIIAN/OTHER PACIFIC ISL NA NA NA NA

WHITE 541 80048 NA NA NA NA

2 OR MORE MINORITY RACES NA NA NA NA

JOINT (WHITE/MINORITY RACE) 6 1752 NA NA NA NA

RACE NOT AVAILABLE 6/ 40 6114 NA NA NA NA

ETHNICITY 7/

HISPANIC OR LATINO 7 1213 NA NA NA NA

NOT HISPANIC OR LATINO 568 84489 NA NA NA NA


1 152 NA NA NA NA

ETHNICITY NOT AVAILABLE 6/ 39 6386 NA NA NA NA

MINORITY STATUS 8/

WHITE NON-HISPANIC 530 77822 NA NA NA NA

OTHERS, INCLUDING HISPANIC 42 7443 NA NA NA NA

INCOME 9/

LESS THAN 50% OF MSA/MD MEDIAN 39 3236 NA NA NA NA

50-79% OF MSA/MD MEDIAN 131 12584 NA NA NA NA



120% OR MORE OF MSA/MD MEDIAN 272 54196 NA NA NA NA

INCOME NOT AVAILABLE 6/ 10 2007 NA NA NA NA

GENDER 19/

MALE 177 23161 NA NA NA NA

FEMALE 114 12762 NA NA NA NA

JOINT (MALE/FEMALE) 299 52950 NA NA NA NA

GENDER NOT AVAILABLE 6/ 25 3367 NA NA NA NA



LESS THAN 10% MINORITY 549 83939 NA NA NA NA

10-19% MINORITY 45 5715 NA NA NA NA





LOW INCOME NA NA NA NA

MODERATE INCOME 50 4734 NA NA NA NA

MIDDLE INCOME 298 37862 NA NA NA NA

UPPER INCOME 267 49644 NA NA NA NA


SUMMARY TABLE A4: DISPOSITION OF PREAPPROVALS FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009



# $000'S # $000'S # $000'S

Page 1 of 1

PREAPPROVALS RESULTING INORIGINATIONS

PREAPPROVALS APPROVED BUTNOT ACCEPTED 29/

PREAPPROVALSDENIED

1- TO 4-FAMILY OWNER OCCUPIED DWELLINGS (EXCLUDES MANUFACTURED HOMES)

INCIDENCE OF PRICING

NO PRICING REPORTED 15/ 460 22331 1588 1608 16077915 NA

PRICING REPORTED 66 1419 124 573 192467 NA

MEAN (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/)

5.47 4.17 5.85 4.28 6.254.19 NA

MEDIAN (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/)

5.33 3.83 5.36 3.88 5.963.99 NA

HOEPA STATUS

HOEPA LOAN 17/ NA 4 2 12NA NA

NOT HOEPA LOAN NA 26836 1994 2479 2108NA NA

MANUFACTURED HOME OWNER OCCUPIED DWELLINGS

INCIDENCE OF PRICING

NO PRICING REPORTED 15/ 2 80 15 6 949 NA

PRICING REPORTED 1 39 13 381 NA

MEAN (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/)

5.14 4.65 5.43 8.815.93 NA

MEDIAN (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/)

5.14 3.97 5.00 6.035.17 NA

HOEPA STATUS

HOEPA LOAN 17/ NA 2 1NA NA

NOT HOEPA LOAN NA 142 20 23 12NA NA


SUMMARY TABLE B: LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA STATUS SECTION REFLECTS ACTIVITY FOR THE FULL YEAR)


PRICING INFORMATION

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D. Appendix D – HUD-CHAS Data

Attached are the HUD-CHAS Data tables for the City of McKeesport.

SOCDS CHAS Data: Housing Problems Output for All Households

Name of Jurisdiction: Source of Data: Data Current as of:

McKeesport city, Pennsylvania CHAS Data Book 2000

Renters Owners

Household by Type, Income, & Housing Problem

Elderly Small

Related Large

Related All Total Elderly Small

Related Large

Related All Total Total

(1 & 2 members)

(2 to 4 members)

(5 or more

members) Other Renters (1 & 2

members) (2 to 4

members) (5 or more members) Other Owners Households

(A) (B) (C) (D) (E) (F) (G) (H) (I) (J) (K) 1. Household Income <= 50% MFI 670 819 168 643 2,300 786 324 134 272 1,516 3,816 2. Household Income <=30% MFI 457 515 124 483 1,579 262 155 29 154 600 2,179 3. % with any housing problems 58.6 65 87.9 50.3 60.5 65.6 74.2 100 70.8 70.8 63.3

4. % Cost Burden >30% 57.8 65 87.9 48.2 59.6 65.6 74.2 100 70.8 70.8 62.7

5. % Cost Burden >50% 29.5 43.7 75.8 38.3 40.5 43.1 67.7 100 55.2 55.3 44.6

6. Household Income >30 to <=50% MFI 213 304 44 160 721 524 169 105 118 916 1,637 7. % with any housing problems 36.6 53.9 100 46.9 50.1 34.4 46.7 38.1 49.2 39 43.9

8. % Cost Burden >30% 36.6 53.9 34.1 46.9 46 34.4 46.7 38.1 49.2 39 42.1

9. % Cost Burden >50% 6.6 11.5 0 12.5 9.6 11.5 17.2 0 29.7 13.5 11.8

10. Household Income >50 to <=80% MFI 94 345 95 280 814 719 395 93 205 1,412 2,226 11.% with any housing problems 4.3 15.9 47.4 10.7 16.5 16.6 34.2 40.9 48.8 27.8 23.6

12.% Cost Burden >30% 0 13 21.1 7.1 10.4 16 31.6 20.4 48.8 25.4 19.9

13. % Cost Burden >50% 0 0 0 0 0 2.1 7.6 4.3 9.8 4.9 3.1 14. Household Income >80% MFI 114 345 80 190 729 758 1,515 274 295 2,842 3,571 15.% with any housing problems 12.3 10.1 50 10.5 15 3.7 5.3 8.8 5.1 5.2 7.2

16.% Cost Burden >30% 3.5 2.9 0 0 1.9 3.2 5.3 3.6 5.1 4.5 4

17. % Cost Burden >50% 0 0 0 0 0 0.5 1 0 0 0.7 0.5

18. Total Households 878 1,509 343 1,113 3,843 2,263 2,234 501 772 5,770 9,613 19. % with any housing problems 41.5 39 69.4 33.1 40.6 22.1 18.3 26.1 36.5 22.9 30

20. % Cost Burden >30 39.4 36.7 42 29.5 35.7 21.7 17.9 19.6 36.5 22 27.5

21. % Cost Burden >50 17 17.2 27.4 18.4 18.4 8.5 8 6.6 18.1 9.4 13

SOCDS CHAS Data: Housing Problems Output for White Non-Hispanic Households



Renters Owners


Elderly Family All Total Elderly Family All Total Total

1 & 2 Households Other Renters 1 & 2 Households Other Owners Households

Member Households Member Households

Households Households

(A) (B) (C) (D) (E) (F) (G) (H) (I) 1. Household Income <=50% MFI 565 395 345 1,305 745 300 195 1,240 2,545 2. Household Income <=30% MFI 375 260 260 895 230 110 80 420 1,315 % with any housing problems 54.7 71.2 51.9 58.7 60.9 86.4 62.5 67.9 61.6

3. Household Income >30 to <=50% MFI 190 135 85 410 515 190 115 820 1,230 % with any housing problems 42.1 59.3 41.2 47.6 34 44.7 52.2 39 41.9

4. Household Income >50 to <=80% MFI 74 240 200 514 665 370 155 1,190 1,704 % with any housing problems 5.4 27.1 10 17.3 15.8 29.7 48.4 24.4 22.2 5. Household Income >80% MFI 90 265 160 515 715 1,550 270 2,535 3,050 % with any housing problems 16.7 9.4 12.5 11.7 3.5 5.8 3.7 4.9 6.1

6. Total Households 729 900 705 2,334 2,125 2,220 620 4,965 7,299 % with any housing problems 41.7 39.4 29.8 37.2 20.9 17.1 31.5 20.5 25.9

SOCDS CHAS Data: Housing Problems Output for Black Non-Hispanic Households



Renters Owners






(A) (B) (C) (D) (E) (F) (G) (H) (I) 1. Household Income <=50% MFI 99 535 260 894 39 150 78 267 1,161 2. Household Income <=30% MFI 70 345 190 605 25 65 70 160 765

% with any housing problems 78.6 72.5 55.3 67.8 100 61.5 78.6 75 69.3

3. Household Income >30 to <=50% MFI 29 190 70 289 14 85 8 107 396

% with any housing problems 13.8 57.9 57.1 53.3 71.4 41.2 50 45.8 51.3


% with any housing problems 0 13.9 14.3 13.2 11.8 57.9 62.5 49.7 27.4

5. Household Income >80% MFI 20 155 20 195 50 195 25 270 465

% with any housing problems 0 32.3 0 25.6 20 0 40 7.4 15.1

6. Total Households 134 870 350 1,354 123 440 143 706 2,060

% with any housing problems 44 50 44.3 47.9 39.8 29.5 65.7 38.7 44.8

SOCDS CHAS Data: Housing Problems Output for Hispanic Households



Renters Owners






(A) (B) (C) (D) (E) (F) (G) (H) (I) 1. Household Income <=50% MFI 4 18 14 36 0 10 0 10 46 2. Household Income <=30% MFI 4 8 14 26 0 10 0 10 36 % with any housing problems 0 50 28.6 30.8 N/A 100 N/A 100 50

3. Household Income >30 to <=50% MFI 0 10 0 10 0 0 0 0 10 % with any housing problems N/A 100 N/A 100 N/A N/A N/A N/A 100

4. Household Income >50 to <=80% MFI 0 0 0 0 8 14 0 22 22 % with any housing problems N/A N/A N/A N/A 50 28.6 N/A 36.4 36.4 5. Household Income >80% MFI 0 0 0 0 0 40 4 44 44 % with any housing problems N/A N/A N/A N/A N/A 37.5 0 34.1 34.1

6. Total Households 4 18 14 36 8 64 4 76 112 % with any housing problems 0 77.8 28.6 50 50 45.3 0 43.4 45.5

SOCDS CHAS Data: Housing Problems Output for Native American Non-Hispanic Households



Renters Owners






(A) (B) (C) (D) (E) (F) (G) (H) (I) 1. Household Income <=50% MFI N/A N/A N/A 0 N/A N/A N/A 0 0 2. Household Income <=30% MFI N/A N/A N/A 0 N/A N/A N/A 0 0 % with any housing problems N/A N/A N/A N/A N/A N/A N/A N/A N/A 3. Household Income >30 to <=50% MFI N/A N/A N/A 0 N/A N/A N/A 0 0 % with any housing problems N/A N/A N/A N/A N/A N/A N/A N/A N/A 4. Household Income >50 to <=80% MFI N/A N/A N/A 0 N/A N/A N/A 10 10 % with any housing problems N/A N/A N/A N/A N/A N/A N/A 0 0 5. Household Income >80% MFI N/A N/A N/A 0 N/A N/A N/A 0 0 % with any housing problems N/A N/A N/A N/A N/A N/A N/A N/A N/A

6. Total Households N/A N/A N/A 0 N/A N/A N/A 10 10 % with any housing problems N/A N/A N/A N/A N/A N/A N/A 0 0

SOCDS CHAS Data: Housing Problems Output for Asian Non-Hispanic Households



Renters Owners






(A) (B) (C) (D) (E) (F) (G) (H) (I) 1. Household Income <=50% MFI N/A N/A N/A 10 N/A N/A N/A 10 20 2. Household Income <=30% MFI N/A N/A N/A 10 N/A N/A N/A 10 20

% with any housing problems N/A N/A N/A 0 N/A N/A N/A 100 50

3. Household Income >30 to <=50% MFI N/A N/A N/A 0 N/A N/A N/A 0 0

% with any housing problems N/A N/A N/A N/A N/A N/A N/A N/A N/A

4. Household Income >50 to <=80% MFI N/A N/A N/A 10 N/A N/A N/A 0 10

% with any housing problems N/A N/A N/A 0 N/A N/A N/A N/A 0

5. Household Income >80% MFI N/A N/A N/A 4 N/A N/A N/A 0 4

% with any housing problems N/A N/A N/A 0 N/A N/A N/A N/A 0

6. Total Households N/A N/A N/A 24 N/A N/A N/A 10 34

% with any housing problems N/A N/A N/A 0 N/A N/A N/A 100 29.4

SOCDS CHAS Data: Housing Problems Output for Pacific Islander Non-Hispanic Households



Renters Owners






(A) (B) (C) (D) (E) (F) (G) (H) (I)

1. Household Income <=50% MFI N/A N/A N/A 0 N/A N/A N/A 0 0

2. Household Income <=30% MFI N/A N/A N/A 0 N/A N/A N/A 0 0

% with any housing problems N/A N/A N/A N/A N/A N/A N/A N/A N/A 3. Household Income >30 to <=50% MFI N/A N/A N/A 0 N/A N/A N/A 0 0

% with any housing problems N/A N/A N/A N/A N/A N/A N/A N/A N/A 4. Household Income >50 to <=80% MFI N/A N/A N/A 0 N/A N/A N/A 0 0


5. Household Income >80% MFI N/A N/A N/A 0 N/A N/A N/A 0 0


6. Total Households N/A N/A N/A 0 N/A N/A N/A 0 0


SOCDS CHAS Data: Housing Problems Output for Mobility & Self Care Limitation



Renters Owners


Extra Elderly All Total Extra Elderly All Total Total

Elderly 1 & 2 Other Renters Elderly 1 & 2 Other Owners Households

1 & 2 Member Households 1 & 2 Member Households



(A) (B) (C) (D) (E) (F) (G) (H) (I) 1. Household Income <=50% MFI 165 155 385 705 200 72 244 516 1,221 2. Household Income <=30% MFI 135 115 285 535 75 39 114 228 763

% with any housing problems 59.3 52.2 56.1 56.1 80 89.7 78.9 81.1 63.6


% with any housing problems 50 62.5 55 55.9 48 12.1 53.8 46.5 50


% with any housing problems 0 0 44.4 29.6 9.7 21.9 49.5 24.6 26

5. Household Income >80% MFI 30 24 63 117 139 78 435 652 769

% with any housing problems 0 0 12.7 6.8 2.9 5.1 6.9 5.8 6

6. Total Households 225 194 538 957 483 264 778 1,525 2,482

% with any housing problems 42.2 43.8 48.9 46.3 28.6 25.8 30.7 29.2 35.8

SOCDS CHAS Data: Affordability Mismatch Output for All Households



Renters Units by # of bedrooms Owned or for sale units by # of bedrooms

Housing Units by Affordability

0-1 2 3+ Total 0-1 2 3+ Total

(A) (B) (C) (D) (E) (F) (G) (H)

1. Rent <=30% Value <=30%

# occupied units 640 560 370 1,570 N/A N/A N/A N/A

% occupants <=30% 72.7 57.1 40.5 59.6 N/A N/A N/A N/A

% built before 1970 70.3 82.1 87.8 78.7 N/A N/A N/A N/A

% some problem 30.5 26.8 35.1 30.3 N/A N/A N/A N/A

# vacant for rent 55 60 75 190 # vacant for sale N/A N/A N/A N/A

2. Rent >30% to <=50% Value <=50%

# occupied units 425 665 390 1,480 92 1,795 3,120 5,007

% occupants <=50% 63.5 41.4 52.6 50.7 35.9 30.4 27.4 28.6

% built before 1970 82.4 87.2 92.1 87.1 113 98.9 98.4 98.8

% some problem 41.2 38.3 48.7 41.9 10.9 8.4 5.6 6.7

# vacant for rent 100 100 30 230 # vacant for sale 4 60 70 134

3. Rent >50% to <=80% Value >50% to <=80%

# occupied units 130 360 255 745 24 223 384 631

% occupants <=80% 73.1 80.6 68.6 75.2 16.7 23.8 34.9 30.3

% built before 1970 73.1 87.5 96.1 87.9 79.2 87 74.2 78.9

% some problem 57.7 55.6 60.8 57.7 0 6.7 10.4 8.7


4. Rent >80% Value >80%

# occupied units 39 14 20 73 4 20 86 110




E. Appendix E – Meeting Summaries

Attached are summaries of the following meetings:

Chief of Police

- August 16, 2010, 9:00 AM

Housing Providers

- August 16, 2010, 9:20 AM

City Staff (including the Fire Chief, the Building Inspector, CDBG staff)

- August 16, 2010, 11:00 AM

Social Service Agencies

- August 16, 2010, 1:30 PM


- August 16, 2010, 3:30 PM

Pittsburgh Commission on Human Relations

- November 16, 2010


- November 30, 2010, 3:00 PM

City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice

Meeting with Chief Holtzman, Chief of Police August 16, 2010 – 9 AM

What housing issues are you seeing on a citywide level?

Absentee landlords leave rentals in poor condition. There is an influx of transient residents using Section 8 vouchers.

o This transient population often has a higher crime rate than the general population.

o Difficult to keep track of tenants compared to visitors. Fire department and building inspector inspect the rental properties.

o Properties generally aren’t inspected between tenants. o The City does not have a rental registry.

Thefts and burglaries are generally the largest crime issues. When the police receive complaints about landlords, they refer the tenants to the

magistrate and educate them on the possibility of putting their rent into an escrow account. The process with the magistrate typically takes approximately 30 to 60 days.


Meeting with Housing Providers August 16, 2010 – 9:20 AM

Bethany Bauer, CDBG Administrator, provided an introduction to the group, provided some background information on the Analysis of Impediments to Fair Housing Choice, and introduced the consultants. Karl Haglund provided additional information on the Analysis of Impediments the overall process. Sarah Stutts posed the first discussion question to the group – What housing issues are you seeing on a citywide level? Below are the housing issues noted by the housing providers present at the meeting:

There is a need for more ranch-style housing to meet the needs of the growing elderly population.

o Often though these homes are more expensive to build because they have a larger footprint and therefore require more vacant lots for construction.

There is vacant land in the City that has been cleared by a developer. Would it be possible to re-energize him and continue this development project?

Property taxes are relatively expensive, particularly school taxes. Overall, the population in the City is aging. The School District is planning to build three new elementary school buildings. The YMCA is currently transitioning out of 87 SRO’s, to be taken over by ACTION-

Housing. o There are few SRO’s in the County o The needs are the same o There is a high number of single parents with children o Emergency Shelter provides housing for 60 days at most o Bridge housing provides shelter for up to 1 year; also offers services to help

residents find employment o Have 3 Section 8 units o Also have single units for rent o Also see domestic violence issues

McKeesport Housing Authority checks to see if tenants owe money to any other Housing Authorities. If they do, the Housing Authority will not rent to them.

Has your agency noticed any housing, social, or economic trends in the City?

There are very few jobs and many companies have left the City. o Single mothers used to be able to work and buy homes o McKeesport has the highest unemployment rate of the State and Region. o CareerLinks is no longer located in the City.

There is a need for additional manufacturing jobs. It is difficult to get a mortgage despite low interest rates and other incentives. Some businesses in the City are looking to expand, but funds to assist them are limited. Port Authority routes are problematic.

o Less routes through the neighborhoods o More Park & Rides

o Cuts threaten to greatly reduce or eliminate service to McKeesport o Many residents don’t have access to a car so they go to Labor Ready and work

for the day, if there is any work available. No taxi service in the City. The perception of foreclosure in the City is sometimes a greater issue than the actual

foreclosure rate. Realtors are requiring pre-approval before showing houses so they’re only showing

potential buyers homes that they can afford. McKeesport Neighborhood Initiative, Inc. offers a credit counseling program in the City

that could be grown so that people wouldn’t have to go into Pittsburgh to Advantage Consumer Credit.

A local church sponsors computer classes. Code Enforcement is sometimes the real issue, not absentee landlords. The People’s Building is sitting vacant – it was purchased by a company in NY but will

be very expensive to rehabilitate. Developers are having some difficulty getting bank loans to build new housing. Transfer taxes can be viewed as a barrier to housing development. Many elderly residents are selling or abandoning their homes to move into apartments. Realtors are required to take a course on Fair Housing once a year.

Summary of Impediments Identified by Housing Providers:

Differentiate absentee landlords from ineffective code enforcement. Determine the real need for additional elderly housing Improve housing options for single mothers Increase credit counseling programs Create jobs Maintain or improve access to public transportation Real estate taxes and fees are often perceived as being cost prohibitive to

developments and purchasing property.


Meeting with City Staff Members August 16, 2010 – 11:00 AM

The fire department is generally first to inspect a building when a complaint is received,

then calls the code enforcement officer. All sales are inspected by the fire department. Members of the fire department are certified to inspect properties to assist the full-time

building inspector. Many property owners own several buildings in town. There are buildings in the City that have no windows, water, or electricity. Absentee landlords are a big issue Section 8 properties are inspected by the Housing Authority to maintain in compliance

with the program. Any problems are communicated with the fire department and building inspector.

Tenant registration legislation was passed and is currently being challenged in court. The City is seeing more ramps and mechanical lifts being installed in homes. The City’s building code follows the Uniform Construction Code and was last updated in

1996. The County Health Department handles utility calls (such as those for broken furnaces). Overcrowding is becoming an issue. Building permits have increased recently. All new construction is required to include hard-wired smoke detectors. The City would benefit from more funding for demolition. The demolition list currently has

approximately 400 structures on it, generated from complaints. Fees for building permits:

o Single family housing - $3 for every $1,000 o Multifamily or commercial development - $10 for every $1,000

The economy is perceived to be a greater barrier to affordable housing than social issues.

The City is often reactive in their approach rather than proactive because of limited funding.

Sidewalk ramps have been modified.


Meeting with Social Service Agencies August 16, 2010 – 1:45 PM

There is a perceived shortage of low- and moderate-income housing in the City. Housing is being eliminated but not replaced with new housing. There is a perceived shortage of disabled housing. Upgrade the existing housing stock. Transportation is a big issue.

o Most jobs are located outside of the community. o The Port Authority plans to cut or drastically eliminate service to the Mon Valley

in January 2011 due to budget constraints. Need to bring more jobs into the community. Old homes have very high utility costs.

o McKeesport Resource Center and Bridge to Recovery assist with utility negotiations and help individuals apply for grants and other programs.

It is suspected that, overall, people are remaining in their overcrowded or sub-standard homes because they have limited options.

Housing discrimination isn’t perceived to be an issue. Instead, economic issues are perceived to be greater barriers to housing.

There is a lack of understanding of Fair Housing in the community. The City needs income diversity. Need more job training that would be in line with jobs expected to come into the

community. There is no access to Children’s Hospital from McKeesport. Overcrowding is becoming more common.

City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice Meeting with the McKeesport Housing Authority

August 16, 2010 – 3:00 PM

Run programs such as Head Start, an after school program, service supported housing, Section 8 Homeownership (along with the McKeesport Housing Corporation), and Nehemiah Ministries Counseling.

Waiting list priority has been reorganized to give top priority to the elderly, then those with jobs, then for women who fall under the women against violence act.

There is a lack of accessible Section 8 units. o It is difficult to make upgrades to old homes if the tenant becomes disabled. o There is a need for more Section 8 units in the private market.

There are proposed upgrades to many units, but the Housing Authority is still working to secure funding.

o The Housing Authority has an application into HUD for 3 fully accessible units and 3 visitable units.

There are barriers for the disabled. o Mon Yough used to provide services to help clients live on their own (paid for by

Health Care), but health care no longer covers these services to help people pay their bills and stay in compliance with their leases.

The Housing Authority often has difficulty finding tenants to fill their 3 and 4 bedroom apartments (they have one of each).

The Port Authority has made severe cuts and combined several routes. o Housing Authority residents are eligible for Work Net – a van system for

transportation to work/day care. o Seniors can use ACCESS.

Making upgrades to recreational facilities. Partnered with Community Life for rehabilitations.

o Expect future partnerships because this one was successful. Housing stock is becoming less dense. Generating waiting lists. No assisted living available for the low-income. Seeing less families, more related individuals (siblings and cousins) applying.


Meeting with the Pittsburgh Commission on Human Relations November 16, 2010

On November 16, 2010, Karl Haglund of Urban Design Ventures spoke with Charles Morrison of the Pittsburgh Commission on Human Relations. While Mr. Morrison does not directly work with the City of McKeesport to address its fair housing concerns or complaints, he was able to provide insight into regional fair housing trends. He emphasized that the most common causes for fair housing complaints in the Pittsburgh region include disability and race.


Meeting with the Fair Housing Partnership of Pittsburgh November 30, 2010 – 3:00 PM

Those in attendance included Peter Harvey, Director; Tina Doose, Program Director, Housing Counseling; Jay Dworin, Program Director, Enforcement; Sarah Stutts, Consultant, Urban Design Ventures. Sarah Stutts began the meeting by providing an update on the status of the McKeesport Analysis of Impediments to Fair Housing Choice. Listed below are the key points that were addressed during this meeting:

The Three Rivers Center for Independent Living was recommended as a contact as they work as advocates for the disabled and assist persons with disabilities to locate services.

Consider the locations of HUD housing related to the areas of minority concentration in the City.

The most common cause for complaint that the Fair Housing Partnership receives in McKeesport is related to disability.

The City should look into its responsibility to consider sexual orientation a protected class based on Allegheny County’s passage of an ordinance in 2009 that identified sexual orientation as a protected class.

The Fair Housing Partnership of Pittsburgh offers counseling for rental assistance, pre-purchase, and mortgage delinquency. From January 2010 to date, 21 clients received one-on-one counseling (8 pre-purchase, 3 mobility). They also offer educational workshops (over 50 participants to date for 2010).

The Fair Housing Partnership is concerned about the concentration of minorities in the City, and the concentration of Section 8 Voucher use in these minority areas. Mobility counseling assists Section 8 Voucher recipients to move into different neighborhoods.

Requests for reasonable accommodation and reasonable modification can be made through the Fair Housing Partnership of Pittsburgh. Approximately 80% of these requests are related to disabilities. The Fair Housing Partnership would like to see a higher acceptance rate of these requests, and notes that many residents are unaware of their rights for accommodation.

The Fair Housing Partnership of Pittsburgh is able to provide Landlord Training. Any testing currently taking place in the City of McKeesport is complaint based. The City

can contract with the Fair Housing Partnership of Pittsburgh to conduct random testing. The Fair Housing Partnership of Pittsburgh completed a study on mortgage lending

discrimination and found that within the region, discriminatory lending practices based on race exist.

It was noted that there is no mention of Fair Housing on the websites of the City or the McKeesport Housing Authority.

The Fair Housing Partnership has some concerns about the grievance procedures of the Housing Authority, particularly as it relates to requests for reasonable accommodation.

The Fair Housing Partnership would like to see an in-depth look at why people who can afford to live in the predominately owner-occupied area of the City do not move there, particularly minority households.

On average, the Fair Housing Partnership of Pittsburgh counsels approximately 20-35 individuals through their one-on-one counseling programs. Current numbers for group attendance in McKeesport are lower than average.

The Fair Housing Partnership of Pittsburgh receives, on average, one legitimate fair housing complaint for the City of McKeesport every other month.

When complaints are received, the Fair Housing Partnership identifies the type of complaint and determines if they are valid. If possible, complaints are tested. If found to be legitimate, they are handled internally if possible or referred to HUD or the Pennsylvania Human Relations Commission.

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