Analysis of Impediments to Fair Housing, Home Mortgage Disclosure Act (HMDA) data. Various sources ranging from 2006-2014.
Loans Originated for Home Purchase & Occupation for Multnomah County | |||||||||
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Loan Origination for All Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (All) |
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2006 | 82 | 396 | 2483 | 1622 | 6969 | 12147 |
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2007 | 49 | 264 | 2009 | 1213 | 6607 | 10494 |
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2008 | 26 | 254 | 1197 | 577 | 3288 | 5382 |
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2009 | 34 | 300 | 822 | 368 | 2024 | 3569 |
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2010 | 34 | 285 | 699 | 333 | 2058 | 3429 |
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2011 | 43 | 320 | 702 | 302 | 2090 | 3483 |
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2012 | 63 | 448 | 912 | 460 | 2997 | 4903 |
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2013 | 14 | 350 | 1047 | 593 | 4389 | 6456 |
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2014 | 16 | 307 | 1207 | 632 | 4974 | 7193 |
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Loan Origination for Native American Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (Native Americans) |
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2006 | 0 | 4 | 26 | 19 | 59 | 113 |
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2007 | 1 | 7 | 21 | 9 | 43 | 82 |
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2008 | 1 | 0 | 11 | 9 | 17 | 38 |
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2009 | 0 | 2 | 4 | 2 | 8 | 16 |
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2010 | 0 | 0 | 4 | 0 | 11 | 15 |
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2011 | 0 | 1 | 7 | 1 | 9 | 18 |
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2012 | 2 | 2 | 3 | 1 | 11 | 20 |
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2013 | 0 | 3 | 5 | 4 | 17 | 29 |
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2014 | 0 | 0 | 6 | 4 | 34 | 44 |
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Loan Origination for Asian Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (Asians) |
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2006 | 1 | 30 | 233 | 158 | 594 | 1066 |
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2007 | 5 | 22 | 194 | 118 | 532 | 890 |
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2008 | 3 | 31 | 115 | 59 | 249 | 460 |
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2009 | 14 | 61 | 100 | 29 | 139 | 346 |
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2010 | 13 | 56 | 74 | 32 | 138 | 315 |
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2011 | 8 | 58 | 68 | 18 | 135 | 291 |
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2012 | 12 | 80 | 85 | 25 | 195 | 399 |
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2013 | 2 | 72 | 91 | 41 | 315 | 526 |
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2014 | 7 | 44 | 115 | 47 | 342 | 560 |
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Loan Origination for Black or African American Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (Blacks) |
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2006 | 0 | 20 | 81 | 45 | 158 | 318 |
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2007 | 0 | 5 | 56 | 33 | 136 | 236 |
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2008 | 0 | 8 | 23 | 14 | 54 | 100 |
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2009 | 1 | 6 | 19 | 3 | 18 | 47 |
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2010 | 0 | 3 | 4 | 1 | 21 | 30 |
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2011 | 0 | 6 | 10 | 2 | 17 | 35 |
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2012 | 0 | 10 | 10 | 10 | 31 | 61 |
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2013 | 1 | 4 | 12 | 9 | 61 | 88 |
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2014 | 0 | 8 | 29 | 15 | 56 | 109 |
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Loan Origination for Native Hawaiian or Other Pacific Islander Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (NHPI) |
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2006 | 1 | 2 | 20 | 9 | 57 | 96 |
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2007 | 0 | 1 | 14 | 10 | 42 | 68 |
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2008 | 0 | 2 | 8 | 6 | 14 | 41 |
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2009 | 0 | 3 | 4 | 1 | 4 | 12 |
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2010 | 0 | 3 | 2 | 4 | 10 | 19 |
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2011 | 0 | 1 | 1 | 1 | 7 | 11 |
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2012 | 1 | 2 | 5 | 3 | 9 | 21 |
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2013 | 0 | 4 | 8 | 2 | 21 | 35 |
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2014 | 0 | 1 | 5 | 1 | 19 | 28 |
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Loan Origination for White Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (White) |
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2006 | 72 | 315 | 1988 | 1319 | 5726 | 9901 |
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2007 | 43 | 225 | 1603 | 969 | 5435 | 8565 |
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2008 | 21 | 197 | 984 | 483 | 2749 | 4467 |
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2009 | 17 | 205 | 642 | 292 | 1678 | 2849 |
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2010 | 19 | 189 | 535 | 259 | 1682 | 2692 |
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2011 | 29 | 219 | 550 | 252 | 1698 | 2766 |
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2012 | 37 | 301 | 699 | 376 | 2376 | 3803 |
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2013 | 10 | 240 | 823 | 486 | 3552 | 5157 |
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2014 | 6 | 225 | 929 | 516 | 3997 | 5718 |
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Loan Origination for Hispanic Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (Hispanics) |
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2006 | 4 | 28 | 218 | 177 | 348 | 819 |
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2007 | 3 | 20 | 156 | 109 | 269 | 578 |
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2008 | 0 | 10 | 46 | 37 | 110 | 206 |
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2009 | 0 | 8 | 34 | 11 | 43 | 96 |
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2010 | 0 | 11 | 21 | 6 | 46 | 85 |
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2011 | 1 | 14 | 21 | 7 | 60 | 104 |
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2012 | 1 | 16 | 41 | 8 | 74 | 140 |
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2013 | 1 | 21 | 41 | 13 | 131 | 207 |
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2014 | 0 | 26 | 54 | 23 | 167 | 272 |
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Source: HMDA (LAR) | |||||||||
FHA Loans Originated for Home Purchase & Occupation for Multnomah County | |||||||||
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Loan Origination for All Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (All) |
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2006 | 1 | 6 | 79 | 48 | 88 | 225 |
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2007 | 2 | 2 | 62 | 52 | 129 | 248 |
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2008 | 1 | 23 | 384 | 282 | 770 | 1472 |
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2009 | 8 | 225 | 1036 | 423 | 1141 | 2860 |
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2010 | 14 | 267 | 904 | 411 | 1003 | 2632 |
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2011 | 16 | 278 | 623 | 254 | 628 | 1823 |
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2012 | 12 | 277 | 663 | 235 | 602 | 1805 |
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2013 | 1 | 117 | 483 | 196 | 526 | 1337 |
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2014 | 1 | 66 | 431 | 195 | 434 | 1137 |
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Loan Origination for American Indian/Alaskan Native Households |
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Loan Origination for White Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (White) |
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2006 | 0 | 5 | 68 | 45 | 77 | 198 |
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2007 | 2 | 2 | 56 | 43 | 113 | 217 |
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2008 | 1 | 19 | 337 | 245 | 664 | 1277 |
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2009 | 3 | 178 | 863 | 359 | 967 | 2392 |
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2010 | 9 | 199 | 763 | 348 | 858 | 2202 |
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2011 | 12 | 209 | 488 | 199 | 515 | 1444 |
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2012 | 10 | 216 | 515 | 188 | 510 | 1453 |
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2013 | 1 | 95 | 388 | 163 | 437 | 1096 |
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2014 | 1 | 53 | 324 | 155 | 354 | 895 |
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Loan Origination for Hispanic Households |
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| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total (Hispanics) |
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2006 | 0 | 2 | 4 | 3 | 5 | 14 |
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2007 | 0 | 1 | 9 | 6 | 6 | 22 |
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2008 | 0 | 3 | 37 | 27 | 55 | 122 |
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2009 | 0 | 19 | 71 | 20 | 46 | 158 |
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2010 | 2 | 26 | 79 | 20 | 43 | 171 |
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2011 | 4 | 37 | 44 | 13 | 32 | 132 |
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2012 | 3 | 39 | 54 | 15 | 24 | 137 |
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2013 | 0 | 23 | 48 | 22 | 26 | 121 |
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2014 | 0 | 10 | 55 | 17 | 27 | 109 |
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Source: HMDA (LAR) | |||||||||
Note: Data reported here is for Multnomah County. These are Federal Housing Administration loans for the purpose of purchasing a home. The loans are for homes that are meant for a primary occupancy of the owner. These are all represented for FHA loans. For ethnic and racial breakout, these are loans originated by households where either the applicant or co-applicant are representative of that group. | |||||||||
*Only White and Hispanic households are shown here to show changes market preference for FHA loans by all groups.
2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | |
0-30% MFI | 0.18045112781954886 | 0.34951456310679613 | 0.37037037037037035 | 0.33734939759036142 | 0.31707317073170732 | 0.28735632183908044 | 0.23404255319148937 | 0.37142857142857144 | 0.3611111111111111 |
31-50% MFI | 0.20203488372093023 | 0.29253112033195022 | 0.26315789473684209 | 0.21611001964636542 | 0.1838074398249453 | 0.13276231263383298 | 0.13333333333333333 | 0.14629258517034069 | 0.1437908496732026 |
51-80% MFI | 0.15044479330193616 | 0.14911433172302738 | 0.18835616438356165 | 0.1434327155519742 | 0.11700000000000001 | 9.2436974789915971E-2 | 9.2592592592592587E-2 | 8.809020436927413E-2 | 8.4987593052109178E-2 |
81-95% MFI | 0.13822456424807458 | 0.14285714285714285 | 0.16033755274261605 | 0.11663479923518165 | 7.9741379310344834E-2 | 9.5238095238095233E-2 | 8.5667215815486003E-2 | 5.8510638297872342E-2 | 5.5952380952380955E-2 |
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95% MFI | 0.11923641703377386 | 0.13673002288784955 | 0.12818991097922849 | 0.10616784630940344 | 7.7731092436974791E-2 | 5.9035277177825772E-2 | 4.9129191577852872E-2 | 5.7107496463932109E-2 | 4.9860637968411274E-2 |
MULTNOMAH COUNTY LOAN DENIAL RATES BY INCOME-RACE GROUPINGS : 2014 | ||||||||
Home Purchase & Occupation | ||||||||
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I. Total Applications | ||||||||
Race/Ethnicity | 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total | ||
American Indian | 0 | 3 | 12 | 4 | 50 | 69 | ||
Asian | 7 | 69 | 168 | 65 | 471 | 787 | ||
Black or African American | 3 | 13 | 40 | 22 | 85 | 166 | ||
Native Hawaiian or Pacific Islander | 0 | 2 | 11 | 3 | 26 | 42 | ||
White | 19 | 322 | 1216 | 666 | 5130 | 7427 | ||
Hispanic | 1 | 38 | 91 | 33 | 225 | 393 | ||
Overall Total | 36 | 459 | 1612 | 840 | 6458 | 9501 | ||
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II. Total Denials | ||||||||
| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total | ||
American Indian | 0 | 1 | 2 | 0 | 3 | 6 | ||
Asian | 0 | 17 | 21 | 5 | 36 | 80 | ||
Black or African American | 1 | 2 | 5 | 0 | 11 | 19 | ||
Native Hawaiian or Pacific Islander | 0 | 0 | 2 | 1 | 2 | 5 | ||
White | 8 | 39 | 97 | 33 | 239 | 431 | ||
Hispanic | 1 | 8 | 17 | 5 | 15 | 48 | ||
Overall Total | 13 | 66 | 137 | 47 | 322 | 604 | ||
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III. Denial Rates (II/I) * 100 | ||||||||
| 0-30% MFI | 31-50% MFI | 51-80% MFI | 81-95% MFI | >95% MFI | Total | ||
American Indian | 0.0% | 33.3% | 16.7% | 0.0% | 6.0% | 8.7% | ||
Asian | 0.0% | 24.6% | 12.5% | 7.7% | 7.6% | 10.2% | ||
Black or African American | 33.3% | 15.4% | 12.5% | 0.0% | 12.9% | 11.4% | ||
Native Hawaiian or Pacific Islander | 0.0% | 0.0% | 18.2% | 33.3% | 7.7% | 11.9% | ||
White | 42.1% | 12.1% | 8.0% | 5.0% | 4.7% | 5.8% | ||
Hispanic | 100.0% | 21.1% | 18.7% | 15.2% | 6.7% | 12.2% | ||
Overall Total | 36.1% | 14.4% | 8.5% | 5.6% | 5.0% | 6.4% | ||
Source: HMDA (LAR) | ||||||||
Note: Data reported here is for Multnomah County. These are loans for the purpose of purchasing a home. The loans are for homes that are meant for a primary occupancy of the owner. These are all represented for conventional loans. For ethnic and racial breakout, these are loans originated by households where either the applicant or co-applicant are representative of that group. | ||||||||
Homeownership Trends by race and ethnicity in each jurisdiction 2000-2013
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2013 Homeownership Rate | ||||||||||||||||||||
Total Population | Multnomah | Fairview | Gresham | Portland | Troutdale | Wood Village | ||||||||||||||
Occupied Units | 305939 | 3815 | 38392 | 250133 | 5812 | 1241 | ||||||||||||||
Ownership Units | 165713 | 1981 | 20146 | 133467 | 3838 | 743 | ||||||||||||||
Homeownership Rate | 54.17% | 51.93% | 52.47% | 53.36% | 66.04% | 59.87% | ||||||||||||||
White | Multnomah | Fairview | Gresham | Portland | Troutdale | Wood Village | ||||||||||||||
Occupied Units | 254783 | 3259 | 32553 | 206563 | 5151 | 1017 | ||||||||||||||
Ownership Units | 145183 | 1797 | 17858 | 116108 | 3421 | 694 | ||||||||||||||
Homeownership Rate | 56.98% | 55.14% | 54.86% | 56.21% | 66.41% | 68.24% | ||||||||||||||
Black or African American | Multnomah | Fairview | Gresham | Portland | Troutdale | Wood Village | ||||||||||||||
Occupied Units | 16013 | 281 | 1429 | 14045 | 186 | 12 | ||||||||||||||
Ownership Units | 4915 | 56 | 444 | 4238 | 144 | 12 | ||||||||||||||
Homeownership Rate | 30.69% | 19.93% | 31.07% | 30.17% | 77.42% | 100.00% | ||||||||||||||
American Indian or Alaska Native | Multnomah | Fairview | Gresham | Portland | Troutdale | Wood Village | ||||||||||||||
Occupied Units | 2387 | 82 | 431 | 1740 | 23 | 20 | ||||||||||||||
Ownership Units | 813 | 18 | 115 | 576 | 23 | 0 | ||||||||||||||
Homeownership Rate | 34.06% | 21.95% | 26.68% | 33.10% | 100.00% | 0.00% | ||||||||||||||
Asian | Multnomah | Fairview | Gresham | Portland | Troutdale | Wood Village | ||||||||||||||
Occupied Units | 15715 | 135 | 1207 | 13988 | 251 | 37 | ||||||||||||||
Ownership Units | 8935 | 100 | 756 | 7583 | 144 | 19 | ||||||||||||||
Homeownership Rate | 56.86% | 74.07% | 62.63% | 54.21% | 57.37% | 51.35% | ||||||||||||||
Native Hawaiian or Other Pacific Islander | Multnomah | Fairview | Gresham | Portland | Troutdale | Wood Village | ||||||||||||||
Occupied Units | 1157 | 21 | 279 | 831 | 0 | 26 | ||||||||||||||
Ownership Units | 349 | 0 | 63 | 286 | 0 | 0 | ||||||||||||||
Homeownership Rate | 30.16% | 0.00% | 22.58% | 34.42% | 0.00% | 0.00% | ||||||||||||||
Two or More Races | Multnomah | Fairview | Gresham | Portland | Troutdale | Wood Village | ||||||||||||||
Occupied Units | 9023 | 16 | 1020 | 7807 | 106 | 56 | ||||||||||||||
Ownership Units | 3603 | 10 | 436 | 3025 | 83 | 6 | ||||||||||||||
Homeownership Rate | 39.93% | 62.50% | 42.75% | 38.75% | 78.30% | 10.71% | ||||||||||||||
Hispanic or Latino | Multnomah | Fairview | Gresham | Portland | Troutdale | Wood Village | ||||||||||||||
Occupied Units | 22181 | 361 | 4602 | 16359 | 366 | 298 | ||||||||||||||
Ownership Units | 6783 | 64 | 1413 | 4922 | 76 | 161 | ||||||||||||||
Homeownership Rate | 30.58% | 17.73% | 30.70% | 30.09% | 20.77% | 54.03% | ||||||||||||||
Source: ACS - 2009-2013, B25003 | ||||||||||||||||||||