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2009 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE FAIR HOUSING IMPLEMENTATION COUNCIL TWIN CITIES METRO REGION VOLUME II: TECHNICAL APPENDIX FINAL REPORT OCTOBER 27, 2009 PREPARED BY WESTERN ECONOMIC SERVICES, LLC 212 SE 18TH AVENUE PORTLAND, OREGON 97214 (503) 239-9091 FAX: (503) 239-0236 HTTP://WWW.WESTERNES.COM ---PAGE BREAK--- ---PAGE BREAK--- FHIC Analysis of Impediments Final Report: 10/27/09 2009 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE VOLUME II: TECHNICAL APPENDIX Prepared For: The Fair Housing Implementation Council Twin Cities Metro Region Prepared By: Western Economic Services, LLC 212 SE 18th Avenue Portland, OR 97214 (503) 239-9091 Toll-free: 1-[PHONE REDACTED] Fax: (503) 239-0236 http://www.westernes.com Final Report October 27, 2009 ---PAGE BREAK--- FHIC Analysis of Impediments Final Report: 10/27/09 ---PAGE BREAK--- FHIC Analysis of Impediments i Final Report: 10/27/09 TABLE OF CONTENTS Section Page APPENDIX A. CENSUS DATA 1 APPENDIX B. BUREAU OF LABOR FORCE STATISTICS DATA 23 APPENDIX C. BUREAU OF ECONOMIC ANALYSIS DATA 47 APPENDIX D. HOME MORTGAGE DISCLOSURE ACT DATA 93 APPENDIX E. COMPLAINT DATA 225 APPENDIX F. 2009 FAIR HOUSING SURVEY DATA 273 APPENDIX G. 2009 LASM AND CLIENT INTERVIEWS 307 APPENDIX H. GLOSSARY 323 ---PAGE BREAK--- FHIC Analysis of Impediments ii Final Report: 10/27/09 ---PAGE BREAK--- FHIC Analysis of Impediments 1 Final Report: 10/27/09 APPENDIX A. CENSUS DATA Table A.1 Intercensal Population Estimates by Age Anoka County 2000 - 2007 Intercensal Estimates Age 2000 2001 2002 2003 2004 2005 2006 2007 Under 14 years 72,123 72,631 72,373 71,799 71,778 71,135 70,866 70,391 15 to 24 years 38,845 40,386 41,645 42,620 43,106 43,488 43,484 42,954 25 to 44 years 101,633 101,461 100,679 99,611 99,757 99,254 98,744 98,154 45 to 54 years 40,813 43,358 44,273 45,501 47,308 49,258 51,261 52,918 55 to 64 years 23,588 24,862 26,924 28,517 30,159 31,686 33,112 34,572 65 & over 21,082 22,286 23,172 24,174 25,178 25,805 26,487 27,263 Total 298,084 304,984 309,066 312,222 317,286 320,626 323,954 326,252 Table A.2 Intercensal Population Estimates by Age Carver County 2000 - 2007 Intercensal Estimates Age 2000 2001 2002 2003 2004 2005 2006 2007 Under 14 years 18,804 19,236 19,597 19,982 20,276 20,651 20,860 21,054 15 to 24 years 8,104 8,866 9,488 10,134 10,745 11,444 11,776 11,714 25 to 44 years 24,364 24,717 25,008 25,334 25,745 26,136 26,583 26,945 45 to 54 years 9,178 10,034 10,658 11,313 11,993 12,721 13,491 14,207 55 to 64 years 4,509 4,851 5,340 5,751 6,229 6,725 7,141 7,660 65 & over 5,246 5,403 5,602 5,896 6,065 6,318 6,587 6,879 Total 70,205 73,107 75,693 78,410 81,053 83,995 86,438 88,459 Table A.3 Intercensal Population Estimates by Age Dakota County 2000 - 2007 Intercensal Estimates Age 2000 2001 2002 2003 2004 2005 2006 2007 Under 14 years 87,181 87,726 87,532 87,201 86,986 86,412 86,201 86,139 15 to 24 years 44,867 46,417 47,405 48,309 49,708 50,736 51,433 51,593 25 to 44 years 122,224 122,116 121,086 119,541 118,196 117,120 115,826 115,267 45 to 54 years 49,249 52,361 53,897 55,942 58,089 60,343 62,511 64,540 55 to 64 years 26,137 27,772 30,253 32,194 34,261 36,409 38,368 40,450 65 & over 26,246 27,218 28,102 28,913 29,769 30,588 31,488 32,489 Total 355,904 363,610 368,275 372,100 377,009 381,608 385,827 390,478 ---PAGE BREAK--- FHIC Analysis of Impediments 2 Final Report: 10/27/09 Table A.4 Intercensal Population Estimates by Age Hennepin County 2000 - 2007 Intercensal Estimates Age 2000 2001 2002 2003 2004 2005 2006 2007 Under 14 years 224,150 226,033 224,539 223,117 222,806 221,483 221,488 222,381 15 to 24 years 152,119 149,858 146,549 145,644 144,693 144,019 145,167 146,318 25 to 44 years 375,732 373,940 368,865 361,711 354,493 346,430 338,552 333,669 45 to 54 years 156,068 164,039 166,335 169,858 173,393 176,659 180,340 183,525 55 to 64 years 85,773 89,688 96,701 102,311 108,197 114,287 120,798 127,423 65 & over 122,358 122,052 121,712 121,753 121,933 122,055 122,453 123,283 Total 1,116,200 1,125,610 1,124,701 1,124,394 1,125,515 1,124,933 1,128,798 1,136,599 Table A.5 Intercensal Population Estimates by Age Ramsey County 2000 - 2007 Intercensal Estimates Age 2000 2001 2002 2003 2004 2005 2006 2007 Under 14 years 108,943 108,835 107,491 105,518 103,586 101,532 100,382 99,705 15 to 24 years 79,739 78,410 76,623 74,569 73,102 71,970 72,038 72,648 25 to 44 years 156,909 155,549 153,094 149,185 144,499 140,041 136,105 133,845 45 to 54 years 67,314 70,470 71,153 72,021 73,200 74,092 74,938 75,263 55 to 64 years 38,628 40,117 42,758 44,891 46,862 49,290 51,981 54,896 65 & over 59,502 59,875 60,080 60,273 60,640 61,444 62,371 63,534 Total 511,035 513,256 511,199 506,457 501,889 498,369 497,815 499,891 Table A.6 Intercensal Population Estimates by Age Washington County 2000 - 2007 Intercensal Estimates Age 2000 2001 2002 2003 2004 2005 2006 2007 Under 14 years 49,329 49,706 49,429 49,330 48,831 48,739 48,816 49,150 15 to 24 years 23,622 25,281 26,303 27,454 28,274 29,187 30,397 30,795 25 to 44 years 66,218 66,121 65,051 64,056 62,627 62,474 62,538 63,374 45 to 54 years 30,210 31,911 32,510 33,485 34,507 35,679 36,931 37,791 55 to 64 years 16,484 17,662 19,410 20,743 21,969 23,169 24,392 25,783 65 & over 15,267 15,992 16,560 17,357 17,822 18,361 18,935 19,582 Total 201,130 206,673 209,263 212,425 214,030 217,609 222,009 226,475 ---PAGE BREAK--- FHIC Analysis of Impediments 3 Final Report: 10/27/09 Table A.7 Population by Ethnicity Fair Housing Implementation Council Region 2000 Census SF1 Data Entitlements Hispanic Non- Hispanic Total Population Percent Hispanic Cities Bloomington 2,290 82,882 85,172 2.7% Eden Prairie 862 54,039 54,901 1.6% Minneapolis 29,175 353,443 382,618 7.6% Minnetonka 657 50,644 51,301 1.3% Plymouth 1,079 64,815 65,894 1.6% St. Paul 22,715 264,436 287,151 7.9% Woodbury 996 45,467 46,463 2.1% Remainder of Counties Anoka 4,961 293,123 298,084 1.7% Carver 1,791 68,414 70,205 2.6% Dakota 10,459 345,445 355,904 2.9% Hennepin 11,376 464,938 476,314 2.4% Ramsey 4,264 219,620 223,884 1.9% Washington 2,896 151,771 154,667 1.9% Regional Total 93,521 2,459,037 2,552,558 3.7% Table A.8 Intercensal Population Estimates by Race Anoka County 2000 - 2007 Intercensal Estimates Race 2000 2001 2002 2003 2004 2005 2006 2007 Percent Change 00 -07 White 281,777 286,638 288,475 289,676 292,416 293,235 294,225 294,504 4.5% Black 4,945 5,841 6,998 7,710 8,481 9,422 10,485 11,576 134.1% American Indian 2,115 2,166 2,220 2,285 2,318 2,335 2,381 2,433 15.0% Asian 5,167 6,069 6,888 7,838 9,077 10,331 11,349 11,997 132.2% Native Hawaiian/Pacific Islander 68 67 66 67 69 70 76 78 14.7% Two or More Races 4,012 4,203 4,419 4,646 4,925 5,233 5,438 5,664 41.2% Total 298,084 304,984 309,066 312,222 317,286 320,626 323,954 326,252 9.4% Hispanic 4,961 5,550 5,980 6,479 7,101 7,710 8,185 8,589 73.1% ---PAGE BREAK--- FHIC Analysis of Impediments 4 Final Report: 10/27/09 Table A.9 Intercensal Population Estimates by Race Carver County 2000 - 2007 Intercensal Estimates Race 2000 2001 2002 2003 2004 2005 2006 2007 Percent Change 00 -07 White 68,070 70,632 72,923 75,246 77,623 80,216 82,224 84,080 23.5% Black 459 631 777 877 964 1,066 1,230 1,278 178.4% American Indian 129 143 142 165 170 191 236 241 86.8% Asian 1,124 1,233 1,356 1,556 1,676 1,837 1,991 2,076 84.7% Native Hawaiian/Pacific Islander 12 12 12 12 12 12 12 12 0.0% Two or More Races 411 456 483 554 608 673 745 772 87.8% Total 70,205 73,107 75,693 78,410 81,053 83,995 86,438 88,459 26.0% Hispanic 1,791 2,047 2,250 2,395 2,649 2,922 3,084 3,202 78.8% Table A.10 Intercensal Population Estimates by Race Dakota County 2000 - 2007 Intercensal Estimates Race 2000 2001 2002 2003 2004 2005 2006 2007 Percent Change 00 -07 White 330,562 335,611 338,091 339,756 342,375 344,630 346,514 349,203 5.6% Black 8,473 9,684 10,724 11,678 12,783 13,898 15,050 16,027 89.2% American Indian 1,408 1,555 1,628 1,680 1,727 1,810 1,875 1,924 36.6% Asian 10,576 11,390 12,101 12,958 13,702 14,488 15,197 15,815 49.5% Native Hawaiian/Pacific Islander 197 201 210 211 214 218 226 233 18.3% Two or More Races 4,688 5,169 5,521 5,817 6,208 6,564 6,965 7,276 55.2% Total 355,904 363,610 368,275 372,100 377,009 381,608 385,827 390,478 9.7% Hispanic 10,459 11,296 12,292 13,187 14,141 15,138 16,242 17,059 63.1% Table A.11 Intercensal Population Estimates by Race Hennepin County 2000 - 2007 Intercensal Estimates Race 2000 2001 2002 2003 2004 2005 2006 2007 Percent Change 00 -07 White 923,977 927,818 924,058 920,323 916,876 912,425 911,535 915,474 -0.9% Black 104,725 107,469 108,509 110,730 113,483 115,675 118,142 120,099 14.7% American Indian 11,604 11,680 11,670 11,614 11,773 11,998 12,085 12,152 4.7% Asian 54,986 56,717 57,996 58,750 59,642 60,147 61,533 62,858 14.3% Native Hawaiian/Pacific Islander 625 682 732 770 810 847 895 932 49.1% Two or More Races 20,283 21,244 21,736 22,207 22,931 23,841 24,608 25,084 23.7% Total 1,116,200 1,125,610 1,124,701 1,124,394 1,125,515 1,124,933 1,128,798 1,136,599 1.8% Hispanic 45,439 50,213 53,662 57,048 59,999 63,054 66,205 69,519 53.0% ---PAGE BREAK--- FHIC Analysis of Impediments 5 Final Report: 10/27/09 Table A.12 Intercensal Population Estimates by Race Ramsey County 2000 - 2007 Intercensal Estimates Race 2000 2001 2002 2003 2004 2005 2006 2007 Percent Change 00 -07 White 409,502 409,219 405,443 400,110 395,311 391,689 390,894 392,062 -4.3% Black 40,550 42,196 43,837 44,876 45,496 46,163 46,961 47,829 18.0% American Indian 4,430 4,485 4,450 4,457 4,415 4,344 4,264 4,273 -3.5% Asian 45,795 46,434 46,382 45,751 45,130 44,403 43,760 43,636 -4.7% Native Hawaiian/Pacific Islander 368 375 390 401 418 472 482 496 34.8% Two or More Races 10,390 10,547 10,697 10,862 11,119 11,298 11,454 11,595 11.6% Total 511,035 513,256 511,199 506,457 501,889 498,369 497,815 499,891 -2.2% Hispanic 26,979 28,144 29,067 29,472 29,984 30,312 30,715 31,407 16.4% Table A.13 Intercensal Population Estimates by Race Washington County 2000 - 2007 Intercensal Estimates Race 2000 2001 2002 2003 2004 2005 2006 2007 Percent Change 00 -07 White 189,897 193,970 195,482 197,033 197,454 199,251 201,742 204,532 7.7% Black 3,801 4,371 4,635 5,175 5,619 6,149 6,589 6,967 83.3% American Indian 817 884 893 956 981 996 1,058 1,077 31.8% Asian 4,362 5,027 5,728 6,562 7,140 8,216 9,392 10,433 139.2% Native Hawaiian/Pacific Islander 68 68 69 70 71 73 75 77 13.2% Two or More Races 2,185 2,353 2,456 2,629 2,765 2,924 3,153 3,389 55.1% Total 201,130 206,673 209,263 212,425 214,030 217,609 222,009 226,475 12.6% Hispanic 3,892 4,337 4,452 4,684 4,927 5,370 5,804 6,092 56.5% ---PAGE BREAK--- FHIC Analysis of Impediments 6 Final Report: 10/27/09 Table A.14 Group Quarters Population Fair Housing Implementation Council Region 2000 Census SF1 Data Institutionalized Noninstitutionalized Entitlements Correction Institutions Nursing Homes Other Institutions Total Institutionalized Population College Dormitories Military Quarters Other Noninstitutional Group Quarters Total Noninstitutional Population Total Population in Group Quarters Cities Bloomington . 665 62 727 116 . 483 599 1,326 Eden Prairie . 77 . 77 . . 97 97 174 Minneapolis 790 4,199 712 5,701 7,523 . 4,840 12,363 18,064 Minnetonka 0 212 133 345 . . 290 290 635 Plymouth 792 97 46 935 136 . 379 515 1,450 St. Paul 537 2,352 351 3,240 5,269 . 2,687 7,956 11,196 Woodbury . 359 . 359 . . 81 81 440 Remainder of Counties Anoka 1,511 410 364 2,285 . . 693 693 2,978 Carver 82 240 17 339 471 . 209 680 1,019 Dakota 147 708 215 1,070 . . 1,251 1,251 2,321 Hennepin 14 4,092 115 4,221 . . 2,346 2,346 6,567 Ramsey 53 1,968 9 2,030 3,084 . 1,216 4,300 6,330 Washington 1,924 294 8 2,226 49 . 476 525 2,751 Regional T otal 5,850 15,673 2,032 23,555 16,648 . 15,048 31,696 55,251 ---PAGE BREAK--- FHIC Analysis of Impediments 7 Final Report: 10/27/09 Table A.15 Household Size in Occupied Housing Units Fair Housing Implementation Council Region Census 2000 SF3 Data Entitlements 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Persons and Above Total Cities Bloomington 10,793 13,924 5,084 4,291 1,637 454 213 36,396 Eden Prairie 4,502 6,474 3,427 3,945 1,684 357 68 20,457 Minneapolis 65,599 49,107 20,147 13,995 6,634 3,204 3,677 162,363 Minnetonka 5,840 8,101 3,063 2,927 1,179 208 74 21,392 Plymouth 5,408 8,777 4,034 4,420 1,687 352 144 24,822 St. Paul 40,236 32,620 15,282 11,629 5,832 2,796 3,714 112,109 Woodbury 3,136 5,500 2,854 3,368 1,338 347 133 16,676 Remainder of Counties Anoka 20,535 34,273 19,281 19,805 8,804 2,576 1,154 106,428 Carver 4,430 7,539 4,260 5,028 2,315 591 193 24,356 Dakota 28,433 42,015 22,372 23,923 10,435 2,845 1,128 131,151 Hennepin 52,974 64,946 29,102 27,424 11,327 3,307 1,619 190,699 Ramsey 24,118 31,628 13,782 12,509 5,167 1,414 509 89,127 Washington 10,240 18,015 9,546 10,625 4,632 1,271 457 54,786 Regional Total 276,244 322,919 152,234 143,889 62,671 19,722 13,083 990,762 Table A.16 Families by Income Fair Housing Implementation Council Region Census 2000 SF3 Data Entitlements Under 15,000 15,000 - 19,999 20,000 - 24,999 25,000 - 34,999 35,000 - 49,999 50,000 - 74,999 75,000 - 99,999 100,000 and above Total Cities Bloomington 683 547 795 1,896 3,232 6,303 4,015 5,493 22,964 Eden Prairie 418 201 205 505 1,119 2,807 2,724 6,649 14,628 Minneapolis 8,883 3,916 4,160 9,105 12,254 15,931 8,948 11,346 74,543 Minnetonka 248 163 280 825 1,681 2,680 2,722 5,602 14,201 Plymouth 353 160 345 851 1,632 3,186 3,601 7,552 17,680 St. Paul 6,944 2,968 3,554 7,436 10,514 14,665 7,460 8,021 61,562 Woodbury 126 89 111 563 1,081 3,062 3,015 4,638 12,685 Remainder of Counties Anoka 2,569 1,930 2,151 6,186 12,341 24,952 16,584 13,208 79,921 Carver 569 287 523 1,213 2,200 4,846 3,717 5,451 18,806 Dakota 2,633 1,678 2,400 6,743 11,994 25,805 19,738 23,738 94,729 Hennepin 3,937 2,498 3,946 9,813 17,652 32,712 23,430 31,108 125,096 Ramsey 2,110 1,512 1,763 4,679 8,488 15,522 11,000 14,257 59,331 Washington 1,121 915 1,056 2,933 5,384 11,308 9,020 10,675 42,412 Regional Total 30,594 16,864 21,289 52,748 89,572 163,779 115,974 147,738 638,558 ---PAGE BREAK--- FHIC Analysis of Impediments 8 Final Report: 10/27/09 Table A.17 Renter-Occupied Overcrowding and Severe Overcrowding Fair Housing Implementation Council Region Census 2000 SF3 Data Entitlements No Overcrowding Overcrowding Severe Overcrowding Total Cities Bloomington 10,086 228 365 10,679 Eden Prairie 4,015 202 207 4,424 Minneapolis 70,639 3,214 5,088 78,941 Minnetonka 5,038 68 96 5,202 Plymouth 5,451 209 157 5,817 St. Paul 45,359 2,547 2,766 50,672 Woodbury 2,368 77 12 2,457 Remainder of Counties Anoka 16,409 700 543 17,652 Carver 3,833 91 105 4,029 Dakota 26,931 720 951 28,602 Hennepin 45,543 1,908 1,780 49,231 Ramsey 21,706 608 547 22,861 Washington 7,379 191 99 7,669 Regional Total 264,757 10,763 12,716 288,236 Table A.18 Owner-Occupied Overcrowding and Severe Overcrowding Fair Housing Implementation Council Region Census 2000 SF3 Data Entitlements No Overcrowding Overcrowding Severe Overcrowding Total Cities Bloomington 25,371 241 105 25,717 Eden Prairie 15,930 54 49 16,033 Minneapolis 80,562 1,491 1,369 83,422 Minnetonka 16,081 98 11 16,190 Plymouth 18,938 47 20 19,005 St. Paul 58,451 1,477 1,509 61,437 Woodbury 14,089 103 27 14,219 Remainder of Counties Anoka 87,535 932 309 88,776 Carver 20,088 171 68 20,327 Dakota 101,404 870 275 102,549 Hennepin 139,641 1,249 578 141,468 Ramsey 65,598 497 171 66,266 Washington 46,571 367 179 47,117 Regional Total 690,259 7,597 4,670 702,526 ---PAGE BREAK--- FHIC Analysis of Impediments 9 Final Report: 10/27/09 Table A.19 Specified Renter-Occupied Housing Units: Percent of Income Spent on Housing Fair Housing Implementation Council Region Census 2000 SF3 Data Entitlements No Cost Burden Cost Burden Severe Cost Burden Not Computed Total Cities Bloomington 6,352 2,483 1,507 318 10,660 Eden Prairie 3,014 805 503 79 4,401 Minneapolis 46,053 15,937 13,873 2,997 78,860 Minnetonka 3,319 1,089 646 113 5,167 Plymouth 4,053 1,090 504 170 5,817 St. Paul 29,436 10,483 9,089 1,635 50,643 Woodbury 1,486 542 299 73 2,400 Remainder of Counties Anoka 10,610 3,657 2,691 594 17,552 Carver 2,418 793 503 163 3,877 Dakota 18,078 5,935 3,536 816 28,365 Hennepin 29,376 10,096 7,878 1,667 49,017 Ramsey 14,125 4,273 3,795 640 22,833 Washington 4,400 1,727 1,099 323 7,549 Regional Total 172,720 58,910 45,923 9,588 287,141 Table A.20 Specified Owner-Occupied Housing Units with a Mortgage: Percent of Income Spent on Housing Fair Housing Implementation Council Region Census 2000 SF3 Data Entitlements No Cost Burden Cost Burden Severe Cost Burden Not Computed Total Cities Bloomington 13,461 2,237 968 29 16,695 Eden Prairie 10,843 1,809 605 41 13,298 Minneapolis 41,214 8,712 4,250 203 54,379 Minnetonka 8,777 1,564 618 23 10,982 Plymouth 12,086 1,879 583 7 14,555 St. Paul 31,297 6,188 2,907 102 40,494 Woodbury 9,773 1,807 428 0 12,008 Remainder of Counties Anoka 53,831 9,394 2,897 76 66,198 Carver 11,161 2,216 885 24 14,286 Dakota 62,715 10,962 3,393 138 77,208 Hennepin 79,715 15,065 5,735 109 100,624 Ramsey 35,616 6,019 1,935 138 43,708 Washington 26,984 5,441 1,857 51 34,333 Regional Total 397,473 73,293 27,061 941 498,768 ---PAGE BREAK--- FHIC Analysis of Impediments 10 Final Report: 10/27/09 Table A.21 Specified Owner-Occupied Housing Units without a Mortgage: Percent of Income Spent on Housing Fair Housing Implementation Council Region Census 2000 SF3 Data Entitlements No Cost Burden Cost Burden Severe Cost Burden Not Computed Total Cities Bloomington 5,520 204 107 44 5,875 Eden Prairie 1,301 58 38 0 1,397 Minneapolis 12,946 1,019 533 131 14,629 Minnetonka 2,649 118 41 33 2,841 Plymouth 2,205 60 56 10 2,331 St. Paul 11,662 781 431 55 12,929 Woodbury 1,271 31 9 19 1,330 Remainder of Counties Anoka 10,798 404 144 94 11,440 Carver 2,342 181 92 28 2,643 Dakota 12,033 398 271 84 12,786 Hennepin 23,668 1,114 664 201 25,647 Ramsey 13,282 637 340 47 14,306 Washington 6,132 283 131 18 6,564 Regional Total 105,809 5,288 2,857 764 114,718 Table A.22 Population Demographics by Census Tract Fair Housing Implementation Council Region 2000 Census SF1 and SF3 County Census Tract Total Population Percent Asian Percent Black Percent Hispanic Percent Poverty Percent Disabled Anoka County Census Tract 501.07 2,270 0.22 0.35 0.79 7.66 13.35 Census Tract 501.08 3,083 1.91 0.13 1.20 3.01 17.37 Census Tract 501.09 4,834 0.29 0.31 1.16 3.43 12.29 Census Tract 501.10 2,709 0.33 0.04 1.00 5.15 15.35 Census Tract 501.11 3,398 0.77 0.15 0.62 3.23 22.50 Census Tract 501.12 3,480 0.14 0.37 1.29 1.83 12.85 Census Tract 501.13 1,188 0.76 0.08 0.93 8.07 16.72 Census Tract 501.14 2,617 0.53 0.92 0.53 1.16 6.45 Census Tract 501.15 4,286 0.44 0.26 0.63 1.68 8.34 Census Tract 501.16 3,557 0.17 0.20 0.59 4.63 7.15 Census Tract 502.08 3,303 1.27 0.42 0.82 0.49 8.68 Census Tract 502.10 3,957 0.56 0.18 0.58 3.78 13.56 Census Tract 502.15 3,526 0.91 0.48 1.36 1.62 9.19 Census Tract 502.16 3,729 0.83 0.62 1.10 1.34 9.10 Census Tract 502.17 2,572 0.86 0.19 1.13 1.88 9.82 Census Tract 502.18 3,165 0.47 0.66 0.85 3.48 9.67 Census Tract 502.19 3,298 1.15 0.67 1.36 1.21 11.80 Census Tract 502.20 5,676 0.86 0.58 1.11 2.58 12.87 Census Tract 502.21 3,549 0.68 0.31 1.13 2.54 8.09 Census Tract 502.22 5,025 1.91 0.74 0.94 1.61 5.49 Census Tract 502.23 2,505 0.52 0.24 0.84 0.00 10.45 Census Tract 502.24 2,716 0.37 0.22 1.03 0.74 9.47 Census Tract 502.25 3,812 1.00 0.24 0.89 0.77 12.60 ---PAGE BREAK--- FHIC Analysis of Impediments 11 Final Report: 10/27/09 Census Tract 502.26 2,521 1.15 0.36 0.71 4.53 6.31 Census Tract 502.27 3,497 1.94 0.23 1.32 2.63 9.50 Census Tract 502.28 3,459 0.78 0.58 2.14 1.13 11.03 Census Tract 502.29 5,022 1.23 7.47 3.13 2.79 14.53 Census Tract 502.30 1,529 2.35 0.59 1.05 5.00 7.32 Census Tract 502.31 7,961 1.06 0.31 0.73 3.23 7.24 Census Tract 502.32 3,200 0.72 0.25 1.44 2.35 8.93 Census Tract 502.33 2,281 0.44 0.35 1.23 1.57 13.87 Census Tract 502.34 2,694 0.71 0.52 0.85 2.35 11.28 Census Tract 502.35 2,761 0.51 0.36 1.20 3.50 12.49 Census Tract 504 6,961 1.03 3.62 1.90 9.17 15.97 Census Tract 505.01 3,381 0.41 2.37 2.40 6.42 24.05 Census Tract 505.04 2,552 1.06 0.90 1.57 6.61 21.96 Census Tract 505.05 5,182 1.06 1.76 1.85 3.79 16.30 Census Tract 506.02 2,637 0.19 6.79 2.01 8.50 20.94 Census Tract 506.05 5,747 1.46 1.51 1.79 6.12 15.84 Census Tract 506.06 2,110 1.28 1.80 2.32 17.90 13.12 Census Tract 506.07 4,459 1.08 0.99 1.37 4.06 14.57 Census Tract 506.08 4,921 1.83 2.32 1.75 6.22 16.73 Census Tract 506.09 3,880 1.37 0.62 1.42 3.21 11.04 Census Tract 506.10 6,658 2.31 2.19 1.26 3.97 13.52 Census Tract 507.02 3,152 0.95 1.21 1.97 3.92 11.32 Census Tract 507.04 4,773 1.76 2.12 1.32 5.47 14.17 Census Tract 507.06 3,171 1.42 3.28 1.86 4.85 14.12 Census Tract 507.07 4,495 1.71 0.73 0.98 1.05 7.64 Census Tract 507.09 2,540 2.60 0.39 0.94 2.73 8.92 Census Tract 507.10 3,556 1.55 5.17 1.94 6.15 12.55 Census Tract 507.11 5,148 1.55 1.86 1.26 2.08 8.99 Census Tract 507.12 4,360 1.97 3.39 1.28 3.40 15.59 Census Tract 508.05 6,476 1.87 1.24 1.31 2.79 12.06 Census Tract 508.06 5,765 2.17 0.57 1.61 2.76 15.30 Census Tract 508.07 3,964 0.83 0.50 2.75 4.84 16.11 Census Tract 508.08 2,379 0.55 0.76 1.39 2.66 17.66 Census Tract 508.09 4,419 4.55 0.95 1.29 2.60 13.78 Census Tract 508.10 4,330 3.00 0.60 2.19 2.80 13.23 Census Tract 508.11 3,050 1.38 0.49 0.82 1.19 14.83 Census Tract 508.13 6,001 4.58 1.27 3.15 4.92 16.67 Census Tract 508.14 2,856 3.50 1.47 1.26 3.56 9.43 Census Tract 508.15 5,774 1.77 0.61 0.95 1.55 10.98 Census Tract 509.01 2,142 1.40 1.54 2.43 11.07 12.41 Census Tract 509.02 4,663 1.74 0.24 0.97 2.27 10.57 Census Tract 510.01 2,598 4.04 1.19 2.62 9.30 19.33 Census Tract 510.02 4,069 2.41 1.35 3.93 2.53 16.42 Census Tract 511.01 5,063 3.22 2.41 2.25 6.28 13.68 Census Tract 511.02 4,543 1.89 1.61 3.06 7.95 16.69 Census Tract 511.03 3,360 3.24 6.07 1.99 4.32 14.87 Census Tract 512.01 3,676 2.50 6.47 4.62 11.88 17.94 Census Tract 512.02 2,998 2.17 2.67 1.30 8.89 22.35 Census Tract 512.03 5,429 3.92 2.76 2.17 5.09 13.28 Census Tract 512.06 2,380 2.77 3.03 2.39 8.99 19.05 Census Tract 513.02 4,028 2.51 4.64 3.90 6.63 21.09 Census Tract 513.04 2,311 2.99 3.33 2.16 5.68 17.77 Census Tract 513.05 2,955 4.87 3.45 3.11 7.93 21.16 Census Tract 514 4,331 3.26 3.14 4.27 6.43 19.93 Census Tract 515.01 2,794 4.19 5.62 2.00 9.44 23.43 Census Tract 515.02 2,867 3.28 2.20 2.93 6.14 20.88 Carver County Census Tract 901 4,463 0.54 0.31 1.17 6.30 16.08 Census Tract 902 2,937 0.48 0.44 0.44 4.17 13.94 Census Tract 903.01 5,750 0.30 0.37 0.96 3.87 14.72 ---PAGE BREAK--- FHIC Analysis of Impediments 12 Final Report: 10/27/09 Census Tract 903.02 2,366 1.27 0.08 1.56 3.06 7.22 Census Tract 904.01 3,155 1.36 0.48 1.14 2.02 8.68 Census Tract 904.02 3,201 1.03 0.34 0.78 2.23 10.90 Census Tract 905.01 2,196 0.77 0.50 0.87 2.54 7.08 Census Tract 905.02 1,340 2.69 0.75 0.67 6.44 2.46 Census Tract 905.03 2,321 1.46 0.65 1.08 1.36 8.07 Census Tract 906 7,406 3.54 0.47 1.86 1.49 11.71 Census Tract 907.01 5,784 3.48 1.38 3.37 1.35 7.59 Census Tract 907.02 1,268 2.05 0.08 1.26 1.60 4.08 Census Tract 908 6,930 1.66 0.92 2.22 2.96 8.10 Census Tract 909 5,079 1.83 0.39 1.79 4.50 7.42 Census Tract 910 5,600 1.48 1.68 13.71 7.12 16.94 Census Tract 911 3,607 0.33 0.08 0.91 1.84 9.65 Census Tract 912.01 4,484 0.58 0.18 2.32 5.11 14.70 Census Tract 912.02 2,318 1.29 0.00 0.91 3.33 13.84 Dakota County Census Tract 601.01 3,617 2.27 2.32 11.72 6.70 16.26 Census Tract 601.02 2,831 1.24 1.59 10.67 4.03 16.56 Census Tract 601.03 2,805 1.32 1.43 4.39 2.67 15.99 Census Tract 601.04 5,290 1.80 1.55 5.61 4.60 22.50 Census Tract 601.05 4,862 2.43 6.13 16.27 9.81 25.52 Census Tract 602.01 2,598 0.65 1.58 5.00 1.62 17.00 Census Tract 602.02 3,354 1.19 0.45 6.17 4.93 16.14 Census Tract 603.01 4,367 0.46 1.47 7.14 10.36 19.64 Census Tract 603.02 3,577 1.01 1.82 6.01 6.35 16.45 Census Tract 604.01 2,437 0.82 1.07 4.68 6.11 20.10 Census Tract 604.02 3,563 0.79 0.98 7.44 4.13 20.39 Census Tract 605.02 4,527 1.13 2.54 6.14 7.69 16.50 Census Tract 605.03 5,483 0.78 2.33 6.02 6.64 12.46 Census Tract 605.05 5,119 3.16 4.88 4.71 4.83 12.04 Census Tract 605.06 3,380 1.83 0.89 3.82 2.16 15.12 Census Tract 605.07 3,425 2.13 1.08 2.92 2.39 8.35 Census Tract 605.08 4,531 3.35 0.68 2.38 2.09 14.75 Census Tract 605.09 4,061 1.75 1.13 3.35 2.09 10.19 Census Tract 606.03 4,126 1.16 0.32 2.33 1.07 9.94 Census Tract 606.04 3,335 1.02 0.69 1.56 2.55 12.77 Census Tract 606.05 1,476 2.57 2.37 2.51 3.36 8.34 Census Tract 606.06 3,246 2.93 1.14 0.92 1.73 10.28 Census Tract 607.02 7,037 5.16 3.17 1.86 5.49 16.71 Census Tract 607.09 5,922 5.67 6.32 2.80 3.63 13.77 Census Tract 607.10 4,203 5.19 5.12 8.90 11.61 17.46 Census Tract 607.11 4,214 2.25 4.03 2.75 7.86 24.37 Census Tract 607.13 3,113 1.67 2.54 1.32 3.65 11.72 Census Tract 607.14 5,019 4.94 3.93 2.11 4.42 11.20 Census Tract 607.16 3,518 7.87 3.24 2.08 1.26 5.98 Census Tract 607.17 1,954 4.66 2.87 3.53 2.39 10.96 Census Tract 607.21 2,143 5.93 3.55 3.17 4.57 13.44 Census Tract 607.22 5,670 6.91 5.22 3.51 5.43 14.26 Census Tract 607.25 3,606 5.10 5.96 3.58 5.65 13.70 Census Tract 607.26 2,328 9.49 3.14 3.44 5.58 8.08 Census Tract 607.27 3,082 5.74 6.04 2.50 6.39 12.88 Census Tract 607.28 4,769 3.59 6.50 2.05 5.62 9.55 Census Tract 607.29 3,421 4.50 1.49 1.11 0.06 8.43 Census Tract 607.30 6,481 4.57 1.33 1.60 1.13 3.99 Census Tract 607.31 4,772 2.83 2.12 2.31 2.24 6.03 Census Tract 607.32 5,688 3.13 1.76 1.56 0.00 7.79 Census Tract 607.33 3,910 3.81 2.58 1.69 2.61 14.51 Census Tract 607.34 4,651 4.54 2.47 1.72 3.07 9.18 Census Tract 607.35 4,549 8.11 3.19 1.78 1.87 10.51 Census Tract 607.36 3,015 7.96 4.68 2.09 1.43 10.88 ---PAGE BREAK--- FHIC Analysis of Impediments 13 Final Report: 10/27/09 Census Tract 607.37 4,213 3.49 4.63 2.18 3.42 18.11 Census Tract 607.38 3,544 4.68 6.32 2.71 4.16 10.43 Census Tract 607.39 5,180 4.11 1.70 4.07 2.58 13.81 Census Tract 607.40 7,009 5.15 5.28 3.10 8.40 15.05 Census Tract 607.41 6,544 2.72 3.91 2.00 3.15 10.22 Census Tract 607.42 4,222 1.87 1.44 1.04 2.06 8.28 Census Tract 608.05 2,841 4.44 4.01 11.44 7.37 19.15 Census Tract 608.06 5,695 2.37 1.93 1.53 1.66 11.65 Census Tract 608.11 5,326 3.29 2.31 2.07 2.44 12.46 Census Tract 608.12 6,244 3.16 1.86 1.19 2.32 12.24 Census Tract 608.13 3,004 1.03 0.57 2.86 2.04 10.79 Census Tract 608.14 6,013 1.96 1.06 1.38 0.82 10.66 Census Tract 608.15 2,815 1.81 1.63 3.20 1.06 7.84 Census Tract 608.16 4,702 2.21 1.40 1.77 0.98 6.41 Census Tract 608.17 6,321 2.56 1.95 1.88 2.77 11.56 Census Tract 608.18 4,959 3.31 1.13 1.61 3.22 16.01 Census Tract 608.19 5,873 2.04 1.41 1.24 0.95 8.35 Census Tract 608.20 5,594 1.25 0.50 0.95 0.29 8.65 Census Tract 608.21 3,847 1.25 1.82 4.37 6.95 16.49 Census Tract 608.22 1,532 2.09 0.98 1.44 0.45 2.82 Census Tract 608.23 4,051 6.94 1.58 1.04 1.01 8.63 Census Tract 608.24 3,614 2.19 2.30 1.19 1.65 12.41 Census Tract 608.25 7,462 2.13 1.15 0.83 2.00 7.68 Census Tract 608.26 5,890 3.02 1.77 1.43 1.41 11.55 Census Tract 608.27 2,872 6.27 1.92 2.19 1.69 7.76 Census Tract 609.01 7,206 1.92 0.97 1.87 1.66 8.73 Census Tract 609.02 603 1.66 0.00 1.16 1.58 14.81 Census Tract 609.03 6,157 0.91 0.42 1.51 3.61 13.81 Census Tract 610.01 3,135 0.67 0.19 1.34 3.97 16.94 Census Tract 610.03 1,491 0.87 0.13 0.87 4.32 8.08 Census Tract 610.04 3,541 3.02 1.04 1.75 1.35 6.64 Census Tract 610.05 2,711 2.29 5.90 3.36 3.93 18.35 Census Tract 610.06 2,284 1.75 1.40 2.06 4.94 17.59 Census Tract 610.07 4,592 1.94 1.44 1.20 3.41 10.70 Census Tract 611.02 4,288 0.61 0.79 2.05 7.05 19.57 Census Tract 611.05 2,394 1.13 0.08 0.79 5.29 18.34 Census Tract 611.06 2,206 0.63 0.32 0.73 4.45 12.87 Census Tract 611.07 4,770 0.55 0.19 0.78 1.48 8.85 Census Tract 611.08 5,062 0.49 0.53 1.05 6.43 19.18 Census Tract 614.01 3,156 0.22 0.76 0.76 2.92 9.90 Census Tract 614.02 3,285 0.24 0.12 0.94 3.76 12.63 Census Tract 615.01 2,538 0.24 0.04 0.95 3.70 11.54 Census Tract 615.02 2,043 0.73 0.15 0.44 2.74 9.62 Hennepin County Census Tract 1.01 3,170 17.32 18.49 4.23 15.67 18.89 Census Tract 1.02 4,448 11.62 17.49 5.22 13.36 18.47 Census Tract 3 3,491 4.70 15.55 1.95 4.77 16.73 Census Tract 6.01 4,837 4.13 6.16 5.27 10.63 17.91 Census Tract 6.03 2,788 3.05 1.87 2.26 1.97 17.52 Census Tract 11 2,175 2.48 5.56 10.25 9.67 16.71 Census Tract 17 2,030 3.79 6.31 11.38 12.58 25.25 Census Tract 22 1,724 17.69 53.02 5.57 40.85 23.48 Census Tract 24 2,005 3.49 4.79 13.07 24.18 21.00 Census Tract 27 2,822 16.27 66.80 3.30 31.23 24.50 Census Tract 32 1,935 10.44 66.25 1.45 17.41 23.10 Census Tract 33 2,587 17.16 66.80 2.09 37.58 18.47 Census Tract 35.01 716 2.23 46.93 10.47 36.58 42.11 Census Tract 35.02 799 3.00 5.13 2.63 2.06 5.24 Census Tract 38 4,173 13.06 2.90 5.87 41.09 10.35 Census Tract 59.01 3,060 3.73 31.90 9.67 36.25 37.96 ---PAGE BREAK--- FHIC Analysis of Impediments 14 Final Report: 10/27/09 Census Tract 59.02 3,307 3.24 36.29 25.46 42.04 21.72 Census Tract 68 4,463 3.59 16.60 12.88 18.97 18.65 Census Tract 73.01 1,815 3.42 21.60 17.47 42.48 13.88 Census Tract 73.02 2,332 10.21 24.66 34.48 26.86 22.87 Census Tract 77 2,048 1.86 25.15 20.26 22.09 21.17 Census Tract 78.01 1,813 12.30 29.51 22.23 30.93 23.38 Census Tract 78.02 2,050 6.59 29.71 24.73 30.58 25.73 Census Tract 79 1,604 9.16 22.26 29.49 28.82 16.00 Census Tract 81 3,503 3.25 4.11 2.94 7.13 9.10 Census Tract 82 4,597 4.31 21.95 26.17 30.00 20.13 Census Tract 83 2,364 12.90 31.77 22.25 38.61 30.52 Census Tract 84 2,760 9.24 36.52 22.07 27.08 18.75 Census Tract 85 4,501 5.35 23.84 27.84 26.47 16.10 Census Tract 95 3,113 4.53 40.89 20.98 21.11 18.74 Census Tract 96 3,575 3.30 22.01 9.59 15.25 16.14 Census Tract 106 2,692 2.45 0.74 1.34 3.19 8.86 Census Tract 107 2,416 1.03 1.86 1.70 2.25 7.37 Census Tract 110 3,500 3.11 9.60 5.43 5.59 10.88 Census Tract 117.03 4,031 2.33 3.70 1.61 0.75 10.55 Census Tract 117.04 2,993 2.87 6.11 1.94 2.89 14.15 Census Tract 118 4,524 1.59 3.60 3.01 3.26 12.18 Census Tract 119.98 4,058 1.38 5.57 3.06 4.26 19.15 Census Tract 120.01 5,741 2.51 2.87 2.21 2.37 16.29 Census Tract 120.03 4,948 2.38 18.73 5.58 8.71 17.48 Census Tract 121.01 3,076 3.64 16.42 12.22 14.35 18.69 Census Tract 121.02 2,984 4.26 5.93 3.05 3.80 16.20 Census Tract 201.01 3,470 3.43 1.01 1.21 3.89 12.51 Census Tract 201.02 2,194 3.78 1.14 1.19 4.98 21.55 Census Tract 202 7,249 9.33 19.88 3.89 11.94 20.57 Census Tract 203.01 2,480 4.60 9.60 1.25 4.06 16.83 Census Tract 203.02 2,407 6.65 21.56 1.62 9.80 25.28 Census Tract 203.03 3,554 12.38 9.85 2.64 1.88 15.39 Census Tract 203.04 3,268 11.32 19.09 3.15 9.07 14.94 Census Tract 204 4,558 8.18 10.00 2.65 5.72 18.89 Census Tract 205 3,652 7.61 10.21 2.74 7.12 16.55 Census Tract 206 2,004 7.68 5.44 2.64 4.29 15.52 Census Tract 207 4,340 4.06 3.99 3.09 7.99 17.20 Census Tract 208.01 2,177 1.52 4.32 1.79 0.76 16.96 Census Tract 208.04 2,887 5.51 5.65 3.74 3.34 19.19 Census Tract 209.02 2,193 3.06 1.60 1.09 5.63 15.13 Census Tract 209.03 3,034 1.91 2.27 2.67 2.98 13.66 Census Tract 210.01 5,905 2.93 4.86 1.64 4.53 15.47 Census Tract 210.02 1,891 5.76 6.82 4.12 1.76 13.57 Census Tract 211 1,869 3.10 4.28 1.98 2.26 15.19 Census Tract 212 4,613 1.32 4.31 1.93 2.85 14.45 Census Tract 213 4,310 1.81 8.00 1.83 5.96 27.06 Census Tract 214 3,331 2.88 5.61 2.31 7.11 14.23 Census Tract 215.01 4,154 2.12 6.09 5.56 8.06 24.45 Census Tract 215.02 3,264 2.60 11.95 5.73 12.80 21.73 Census Tract 215.03 5,139 3.72 4.67 2.39 6.34 14.20 Census Tract 215.04 3,812 3.20 2.62 1.68 3.70 13.35 Census Tract 215.05 4,756 3.95 4.77 2.63 4.03 14.48 Census Tract 216.01 3,945 4.51 3.02 1.93 1.80 11.17 Census Tract 216.02 5,722 1.73 4.54 2.20 4.51 15.27 Census Tract 217 5,059 2.79 3.38 1.46 3.06 11.56 Census Tract 218 2,128 3.62 2.82 1.22 1.37 8.34 Census Tract 219 3,446 2.52 3.42 1.60 3.03 15.90 Census Tract 220 1,376 3.49 3.13 2.25 1.93 10.96 Census Tract 221.01 2,731 6.04 7.76 4.87 7.78 14.29 ---PAGE BREAK--- FHIC Analysis of Impediments 15 Final Report: 10/27/09 Census Tract 221.02 2,687 2.98 3.20 1.38 6.77 22.77 Census Tract 222 4,806 3.97 4.27 5.29 6.64 10.78 Census Tract 223.01 2,058 0.97 1.75 0.53 3.56 20.57 Census Tract 223.02 3,172 3.69 6.15 5.52 8.14 16.82 Census Tract 224 3,903 2.79 5.35 1.72 3.79 15.06 Census Tract 227 3,553 3.43 5.63 1.72 3.10 13.79 Census Tract 228.01 2,148 1.82 0.61 1.07 1.39 12.24 Census Tract 228.02 3,057 3.21 2.39 1.60 7.21 18.22 Census Tract 229.01 3,798 3.11 4.50 1.95 4.93 14.70 Census Tract 229.02 1,732 1.56 1.56 0.92 1.53 10.25 Census Tract 230 3,629 3.03 7.36 6.42 7.02 11.75 Census Tract 231 1,792 2.18 0.50 0.84 1.33 6.92 Census Tract 232 5,642 10.10 5.64 4.27 10.13 18.73 Census Tract 233 5,497 2.69 4.28 6.79 8.88 18.98 Census Tract 234 6,011 4.94 5.61 5.57 9.04 16.89 Census Tract 235.01 3,700 2.16 0.51 1.27 1.41 11.47 Census Tract 235.02 5,828 1.96 1.10 1.13 4.02 8.92 Census Tract 236 3,753 1.52 0.24 1.09 1.95 4.48 Census Tract 237 4,617 1.99 0.45 0.95 1.08 9.22 Census Tract 238.01 4,913 1.73 0.73 1.65 2.02 11.15 Census Tract 238.02 2,623 3.74 0.53 0.72 3.39 14.07 Census Tract 239.01 3,622 2.68 1.19 1.24 2.02 5.21 Census Tract 239.02 1,901 2.37 1.05 1.16 2.15 8.13 Census Tract 239.03 3,355 3.55 1.04 0.63 4.86 9.30 Census Tract 240.01 3,418 2.28 0.99 0.64 4.78 20.54 Census Tract 240.03 4,227 9.72 2.27 2.01 4.61 13.16 Census Tract 240.04 3,671 2.81 3.98 0.84 9.13 33.38 Census Tract 241 3,559 4.13 2.73 2.50 6.28 17.74 Census Tract 242 3,248 2.59 1.63 2.49 1.36 14.01 Census Tract 243 4,532 7.11 10.02 12.91 8.79 17.29 Census Tract 244 3,070 3.00 6.61 5.77 8.89 23.91 Census Tract 245 2,473 3.68 2.22 1.66 3.28 13.82 Census Tract 246 3,385 4.31 5.20 5.73 5.15 21.46 Census Tract 247 3,192 5.08 3.23 1.85 2.51 21.37 Census Tract 248.01 2,288 5.64 7.12 4.37 4.25 20.25 Census Tract 248.02 2,787 7.71 17.51 8.68 11.44 19.95 Census Tract 249.01 1,390 5.68 6.83 4.53 11.81 11.24 Census Tract 249.02 2,335 8.18 8.44 6.51 4.82 18.49 Census Tract 249.03 2,180 7.71 9.40 17.20 9.16 16.57 Census Tract 250 442 0.00 3.62 0.45 0.00 0.00 Census Tract 251 2,415 6.79 8.78 5.22 5.10 17.50 Census Tract 252.01 4,664 9.61 12.18 12.03 7.71 19.42 Census Tract 252.05 5,036 5.74 4.45 4.33 5.59 14.16 Census Tract 253.01 3,100 3.06 1.48 1.55 5.30 14.96 Census Tract 253.02 4,326 7.54 5.34 1.78 9.55 20.79 Census Tract 254.01 3,944 6.69 3.19 4.59 8.72 19.64 Census Tract 254.03 3,631 5.26 4.63 2.62 2.85 15.78 Census Tract 256.01 2,304 4.08 2.30 2.04 6.56 15.48 Census Tract 256.03 3,783 3.17 2.33 1.08 2.36 14.59 Census Tract 256.05 3,631 5.95 2.84 5.65 4.90 18.92 Census Tract 257.01 6,792 5.21 2.49 1.41 4.77 17.12 Census Tract 257.02 4,876 2.54 3.92 2.32 4.44 16.09 Census Tract 258.01 2,954 7.08 3.32 1.73 2.33 12.70 Census Tract 258.02 2,417 2.07 1.24 0.70 0.47 13.22 Census Tract 258.03 3,108 3.64 2.77 2.38 1.81 12.05 Census Tract 258.05 3,228 1.77 0.90 1.27 1.20 11.93 Census Tract 259.03 6,398 4.44 2.16 0.84 1.53 7.16 Census Tract 259.05 4,019 3.48 0.72 0.67 0.61 15.73 Census Tract 259.06 6,389 4.59 2.65 1.44 2.50 12.90 ---PAGE BREAK--- FHIC Analysis of Impediments 16 Final Report: 10/27/09 Census Tract 259.07 4,931 4.42 1.14 0.85 0.71 9.82 Census Tract 260.05 4,074 3.29 2.63 0.86 6.60 14.35 Census Tract 260.06 3,008 3.69 1.96 2.33 2.26 17.62 Census Tract 260.07 4,411 4.92 3.90 2.24 6.02 7.33 Census Tract 260.08 6,939 7.85 6.49 3.60 9.06 10.73 Census Tract 260.13 4,955 3.69 0.97 1.01 1.25 6.28 Census Tract 260.14 5,643 4.39 1.54 0.80 2.01 10.19 Census Tract 260.15 5,591 4.81 1.32 0.97 1.66 7.50 Census Tract 260.16 6,584 3.92 1.96 1.34 2.12 7.22 Census Tract 260.17 8,038 5.27 1.01 1.06 2.03 6.26 Census Tract 260.18 5,658 4.51 0.81 1.52 2.12 5.36 Census Tract 261.01 3,282 1.55 1.61 1.19 3.58 13.54 Census Tract 261.02 6,761 3.06 2.13 1.69 4.85 11.96 Census Tract 262.01 3,221 2.20 0.47 0.81 3.06 11.03 Census Tract 262.02 2,960 1.62 0.47 0.71 0.74 15.19 Census Tract 262.05 3,375 1.78 0.68 1.48 0.12 6.21 Census Tract 262.06 3,423 0.99 0.26 1.11 2.35 16.48 Census Tract 262.07 4,205 2.88 1.45 1.78 3.71 11.27 Census Tract 262.08 3,247 1.45 2.37 0.89 0.52 7.32 Census Tract 263.01 3,358 2.95 0.95 1.52 0.84 8.46 Census Tract 263.02 3,398 2.00 0.15 0.68 1.38 9.95 Census Tract 264.02 5,873 3.34 2.28 1.35 5.02 14.88 Census Tract 264.03 2,716 2.17 4.68 1.91 2.65 22.36 Census Tract 264.04 5,480 2.06 1.33 1.09 1.40 10.98 Census Tract 265.05 3,780 3.33 2.57 1.32 0.58 10.84 Census Tract 265.07 4,249 3.34 2.28 2.59 5.45 12.17 Census Tract 265.08 4,669 3.86 1.95 1.22 1.35 10.34 Census Tract 265.09 5,069 3.41 1.48 1.58 0.57 6.20 Census Tract 265.10 3,279 4.57 1.62 0.88 2.51 10.45 Census Tract 265.11 3,677 3.59 4.41 3.05 3.73 9.46 Census Tract 265.12 6,135 3.78 3.06 1.48 6.27 10.96 Census Tract 265.14 4,240 5.90 2.90 1.93 3.41 12.98 Census Tract 266.03 9,700 5.47 1.77 1.70 1.00 7.26 Census Tract 266.05 3,209 5.14 0.50 1.71 0.56 5.72 Census Tract 266.06 5,173 2.36 1.59 1.88 3.27 10.12 Census Tract 266.09 3,003 1.37 0.50 0.70 1.86 12.37 Census Tract 266.10 5,384 1.97 6.67 1.10 3.23 10.25 Census Tract 266.11 4,695 3.28 5.43 1.62 2.56 9.62 Census Tract 267.02 2,434 1.07 1.23 0.82 2.59 19.20 Census Tract 267.06 3,870 1.73 0.72 0.78 0.34 9.04 Census Tract 267.07 5,524 2.05 0.78 1.32 1.56 10.73 Census Tract 267.08 5,895 2.41 1.17 0.56 1.14 8.48 Census Tract 267.10 6,755 2.58 1.05 1.63 0.31 8.30 Census Tract 267.11 3,114 1.16 1.38 1.19 1.67 9.37 Census Tract 267.12 3,104 2.45 1.61 1.39 2.92 10.10 Census Tract 267.13 4,587 3.07 0.92 1.13 1.57 8.46 Census Tract 267.14 5,643 3.49 0.87 1.08 1.78 6.72 Census Tract 267.15 6,208 3.14 1.16 0.58 2.17 5.20 Census Tract 267.16 5,623 2.24 1.08 1.05 1.07 5.24 Census Tract 268.07 5,715 3.99 7.44 5.16 6.80 15.30 Census Tract 268.09 4,396 8.87 36.69 7.73 14.49 14.69 Census Tract 268.10 6,467 9.14 29.43 5.33 9.65 18.28 Census Tract 268.11 5,737 8.89 12.65 1.67 4.97 14.10 Census Tract 268.12 4,066 12.00 4.25 1.21 1.60 8.61 Census Tract 268.14 6,494 12.26 11.23 1.76 3.07 13.90 Census Tract 268.15 5,342 12.41 7.69 1.25 1.43 11.74 Census Tract 268.16 6,244 7.88 15.09 2.07 3.20 14.11 Census Tract 268.18 4,594 11.23 15.89 2.96 6.47 18.73 Census Tract 268.19 3,721 7.71 32.76 4.43 11.08 19.98 ---PAGE BREAK--- FHIC Analysis of Impediments 17 Final Report: 10/27/09 Census Tract 268.20 4,592 11.02 3.81 1.31 1.12 10.39 Census Tract 268.21 10,020 7.46 6.12 1.48 2.03 7.64 Census Tract 269.03 4,033 0.84 1.69 0.89 3.76 12.55 Census Tract 269.06 6,938 1.51 0.85 1.05 1.33 10.16 Census Tract 269.07 4,340 2.51 2.88 1.08 4.77 8.95 Census Tract 269.08 6,882 1.73 0.90 1.37 1.61 7.68 Census Tract 269.09 6,383 0.52 0.33 0.78 1.35 9.10 Census Tract 269.10 4,686 0.81 0.64 2.75 2.72 10.25 Census Tract 270.01 2,688 0.60 0.37 0.89 2.36 8.32 Census Tract 270.02 5,324 0.88 0.24 0.88 2.48 10.64 Census Tract 271.01 4,575 1.05 0.42 0.74 1.31 6.12 Census Tract 271.02 5,672 1.75 0.19 0.86 0.92 5.58 Census Tract 272.01 6,083 0.97 0.30 0.77 0.61 8.01 Census Tract 272.02 1,842 0.49 1.30 1.14 6.81 11.85 Census Tract 272.03 3,786 0.85 0.69 0.85 5.63 17.11 Census Tract 273 4,113 1.34 0.41 1.41 2.34 14.33 Census Tract 274 4,335 0.67 0.25 0.92 2.80 6.99 Census Tract 275.01 4,698 1.34 0.53 2.45 3.71 11.55 Census Tract 275.03 4,088 0.71 0.49 0.86 3.11 6.19 Census Tract 275.04 3,283 1.13 0.27 0.79 0.00 8.28 Census Tract 276.01 3,626 0.91 0.83 1.02 2.87 15.14 Census Tract 276.02 5,809 1.55 0.52 0.93 2.59 9.05 Census Tract 277 6,231 1.30 0.29 1.00 2.91 7.32 Census Tract 1002 3,798 7.93 21.46 3.21 14.06 25.09 Census Tract 1004 3,362 14.75 32.27 5.47 21.12 13.98 Census Tract 1005 1,949 4.16 6.62 6.72 13.80 22.54 Census Tract 1007 3,440 10.09 30.41 3.17 16.93 14.67 Census Tract 1008 4,386 13.82 36.43 3.83 14.43 17.38 Census Tract 1009 5,603 13.35 44.96 3.25 24.72 20.01 Census Tract 1012 4,730 2.73 4.59 2.39 6.25 15.39 Census Tract 1013 1,876 12.63 50.53 3.84 26.36 16.22 Census Tract 1014 2,393 19.89 45.55 4.60 31.13 20.93 Census Tract 1015 2,289 16.73 46.35 6.38 31.24 23.79 Census Tract 1016 3,168 15.47 50.66 3.63 43.91 24.23 Census Tract 1018 3,605 4.52 8.99 9.38 21.75 24.87 Census Tract 1019 2,944 3.67 7.95 7.34 15.37 24.19 Census Tract 1020 2,531 10.90 53.81 3.16 26.32 21.85 Census Tract 1021 3,064 18.28 53.85 2.94 27.15 21.02 Census Tract 1023 1,595 15.67 54.42 6.65 40.31 28.27 Census Tract 1025 2,920 2.64 8.66 8.15 17.30 20.20 Census Tract 1026 2,159 7.18 11.26 10.10 27.78 22.70 Census Tract 1028 2,989 11.14 65.98 4.55 37.14 18.87 Census Tract 1029 1,466 17.87 51.16 3.21 26.08 14.96 Census Tract 1030 1,801 3.11 5.22 10.44 22.03 25.92 Census Tract 1031 2,148 3.40 7.68 7.54 17.09 30.03 Census Tract 1034 1,381 9.78 47.36 33.09 45.24 31.88 Census Tract 1036 1,650 4.36 3.64 4.36 9.53 14.38 Census Tract 1037 3,204 8.61 8.46 5.02 26.54 17.65 Census Tract 1039 1,632 16.79 2.88 2.94 48.86 6.07 Census Tract 1040 5,706 9.48 5.56 2.94 24.22 9.77 Census Tract 1041 4,156 26.80 38.72 5.13 37.30 22.59 Census Tract 1044 1,499 5.87 25.28 4.54 27.08 17.16 Census Tract 1046 3,082 4.25 21.67 2.30 15.73 30.25 Census Tract 1047 128 2.34 25.00 9.38 51.85 15.74 Census Tract 1048 7,534 15.69 32.23 5.65 41.97 20.98 Census Tract 1049 8,036 9.40 6.89 2.48 46.30 8.47 Census Tract 1050 2,327 3.70 2.45 2.32 13.20 9.54 Census Tract 1051 2,662 2.37 2.63 1.65 2.29 13.92 Census Tract 1052 4,721 3.86 9.68 5.21 17.28 20.42 ---PAGE BREAK--- FHIC Analysis of Impediments 18 Final Report: 10/27/09 Census Tract 1054 3,416 2.69 31.06 5.97 40.09 21.12 Census Tract 1055 3,967 1.97 2.34 1.79 8.27 10.31 Census Tract 1056 3,851 3.17 10.46 4.60 14.36 20.44 Census Tract 1057 2,877 3.16 19.26 14.36 24.60 20.95 Census Tract 1060 3,462 5.46 32.12 13.08 34.01 34.70 Census Tract 1062 3,356 5.60 29.32 3.28 23.30 21.85 Census Tract 1064 1,799 2.72 18.18 1.95 17.73 21.31 Census Tract 1065 4,837 2.58 2.09 1.45 5.63 6.56 Census Tract 1066 2,368 1.77 1.48 2.28 7.60 9.04 Census Tract 1067 5,224 2.64 6.26 3.75 13.75 7.58 Census Tract 1069 3,121 4.01 17.59 17.49 21.86 14.81 Census Tract 1070 4,490 6.57 17.37 30.76 19.89 14.64 Census Tract 1071 2,721 3.68 35.72 14.59 39.52 31.55 Census Tract 1072 2,514 8.51 24.18 23.55 27.31 26.54 Census Tract 1074 1,713 3.39 13.13 11.38 11.03 19.43 Census Tract 1075 2,019 3.02 6.44 3.37 11.04 15.28 Census Tract 1076 3,448 2.18 3.74 3.68 4.50 11.53 Census Tract 1080 3,517 3.84 2.25 2.19 4.44 7.68 Census Tract 1086 3,087 6.25 20.41 23.00 15.85 22.48 Census Tract 1087 3,550 3.32 11.86 14.99 14.82 20.70 Census Tract 1088 3,813 3.07 15.00 12.51 12.68 20.13 Census Tract 1089 2,430 3.95 4.65 3.83 6.25 15.72 Census Tract 1090 1,831 1.42 2.79 3.82 2.19 10.34 Census Tract 1091 3,866 2.48 1.42 1.53 4.01 14.40 Census Tract 1092 3,916 2.17 5.82 2.12 5.31 16.95 Census Tract 1093 4,218 3.63 13.04 12.99 8.84 15.49 Census Tract 1094 2,022 6.53 50.15 25.42 26.92 27.22 Census Tract 1097 2,247 4.01 14.82 15.62 12.71 13.72 Census Tract 1098 3,854 2.31 1.63 2.02 3.54 10.30 Census Tract 1099 3,923 1.66 7.26 4.03 4.63 13.98 Census Tract 1100 1,573 5.34 60.78 17.04 16.73 21.35 Census Tract 1101 2,945 4.69 10.53 9.64 8.24 17.87 Census Tract 1102 3,518 2.76 7.25 6.45 6.60 12.16 Census Tract 1104 2,929 2.56 9.53 5.02 4.49 16.91 Census Tract 1105 4,438 1.37 4.12 2.41 3.93 15.45 Census Tract 1108 4,250 2.09 7.79 3.36 5.48 13.02 Census Tract 1109 3,647 5.54 40.91 6.53 4.82 17.87 Census Tract 1111 3,149 2.29 6.67 5.72 5.79 17.54 Census Tract 1112 2,726 1.72 1.03 1.47 2.97 7.29 Census Tract 1113 4,468 1.77 1.52 1.32 1.30 8.77 Census Tract 1114 3,770 2.47 1.33 1.03 2.28 9.26 Census Tract 1115 5,196 1.92 3.39 2.46 2.36 11.39 Census Tract 1116 3,050 1.84 10.33 1.44 4.23 16.69 Census Tract 1225 3,233 2.81 3.50 2.91 5.44 16.09 Census Tract 1226 2,243 3.66 3.57 1.60 2.60 11.87 Census Tract 1255 3,226 8.99 3.19 2.60 3.69 16.33 Ramsey County Census Tract 301 4,660 9.53 2.70 2.27 12.89 11.09 Census Tract 302 7,718 4.72 6.04 2.75 11.18 14.51 Census Tract 303 5,692 3.13 2.27 1.88 2.69 11.71 Census Tract 304 5,188 7.42 20.97 5.92 12.66 15.44 Census Tract 305 5,581 36.80 18.08 6.07 43.38 22.46 Census Tract 306.01 5,134 28.71 13.21 16.07 21.89 19.78 Census Tract 306.02 3,865 11.88 4.79 5.33 11.54 20.30 Census Tract 307.02 4,650 9.12 3.40 3.78 1.62 17.59 Census Tract 307.03 3,298 17.77 2.27 5.97 7.08 19.14 Census Tract 307.04 3,915 18.65 14.51 6.69 18.57 19.58 Census Tract 308 4,738 17.62 10.83 7.66 12.59 19.13 Census Tract 309 3,791 25.88 13.45 11.16 23.02 14.34 Census Tract 310 4,872 27.13 11.99 10.61 19.63 20.13 ---PAGE BREAK--- FHIC Analysis of Impediments 19 Final Report: 10/27/09 Census Tract 311 3,946 16.02 4.71 5.93 11.18 13.99 Census Tract 312 2,996 6.91 10.78 4.94 9.62 16.61 Census Tract 313 2,363 17.18 14.09 10.71 24.26 30.66 Census Tract 314 2,787 15.43 14.03 12.34 25.80 20.95 Census Tract 315 3,467 27.43 18.29 12.03 24.35 24.52 Census Tract 316 4,260 22.77 10.19 11.60 18.22 23.81 Census Tract 317 9,221 28.17 15.90 18.33 26.71 25.12 Census Tract 318.01 4,759 14.58 12.21 8.80 18.00 17.71 Census Tract 318.02 3,760 5.61 5.27 3.64 10.67 17.39 Census Tract 319 1,331 8.41 13.00 4.66 20.30 22.28 Census Tract 320 2,856 2.56 12.92 4.69 15.22 13.55 Census Tract 321 3,132 3.70 11.94 4.50 16.65 14.60 Census Tract 322 2,413 4.31 13.22 3.94 12.65 22.69 Census Tract 323 3,410 6.98 13.87 4.49 7.71 16.40 Census Tract 324 3,170 21.45 29.46 5.02 19.44 22.48 Census Tract 325 4,886 40.77 22.82 8.19 30.09 23.04 Census Tract 326 3,768 42.36 18.37 11.41 27.03 21.35 Census Tract 327 2,985 40.47 22.88 9.28 35.58 23.62 Census Tract 328 698 11.89 11.75 21.92 26.43 10.59 Census Tract 329 1,918 56.05 20.39 4.95 54.05 29.47 Census Tract 330 2,239 26.66 19.03 9.74 27.85 35.11 Census Tract 331 1,775 21.86 17.13 7.77 28.81 23.08 Census Tract 332 1,888 3.87 9.96 7.89 13.20 16.74 Census Tract 333 3,228 2.14 3.47 3.04 10.06 13.82 Census Tract 334 3,330 7.87 28.62 4.02 32.26 18.12 Census Tract 335 3,286 14.79 67.10 4.17 20.67 24.21 Census Tract 336 1,595 30.03 55.36 4.39 29.43 25.76 Census Tract 337 1,635 27.58 29.91 13.27 40.82 32.89 Census Tract 338 1,965 6.72 57.76 3.51 15.56 14.81 Census Tract 339 1,418 9.80 37.66 2.75 20.73 18.04 Census Tract 340 1,608 2.24 19.96 4.04 17.45 16.99 Census Tract 342 5,609 4.80 18.36 6.40 22.26 29.99 Census Tract 344 2,501 13.27 15.15 14.15 29.47 25.46 Census Tract 345 4,484 20.96 11.49 11.42 19.49 16.72 Census Tract 346.01 4,523 16.23 8.67 8.69 8.96 25.11 Census Tract 346.02 3,806 19.76 8.12 9.33 12.76 21.38 Census Tract 347.01 3,842 12.21 11.14 7.42 10.50 20.97 Census Tract 347.02 3,808 7.51 10.58 6.80 10.78 16.15 Census Tract 348 2,205 1.77 1.50 1.41 3.29 11.63 Census Tract 349 4,954 2.50 1.29 1.64 16.08 6.16 Census Tract 350 2,732 2.27 1.87 1.98 9.73 12.48 Census Tract 351 3,410 4.66 3.31 2.58 8.40 8.98 Census Tract 352 3,361 1.64 2.05 2.29 9.38 10.73 Census Tract 353 3,951 2.48 12.58 2.73 8.75 11.84 Census Tract 354 2,436 3.74 26.07 4.02 22.75 12.59 Census Tract 355 2,514 3.46 10.78 4.61 12.72 22.12 Census Tract 356 1,602 2.50 2.00 2.43 4.74 10.96 Census Tract 357 2,577 0.78 1.59 1.67 3.28 10.94 Census Tract 358 3,142 1.97 2.83 2.29 6.59 12.23 Census Tract 359 1,201 2.91 11.24 8.91 21.15 33.33 Census Tract 360 1,262 2.38 10.62 10.86 15.22 24.56 Census Tract 361 1,807 26.73 10.79 41.51 27.81 19.69 Census Tract 362 4,470 2.46 1.57 1.92 3.33 12.88 Census Tract 363 3,832 3.13 2.09 1.62 5.44 9.93 Census Tract 364 3,915 2.04 1.28 1.74 1.95 8.78 Census Tract 365 3,760 1.52 1.46 2.10 4.37 12.22 Census Tract 366 4,203 2.36 1.38 1.78 5.30 13.78 Census Tract 367 4,372 2.52 3.71 6.38 4.88 18.63 Census Tract 368 2,431 3.00 4.11 7.20 12.70 19.12 ---PAGE BREAK--- FHIC Analysis of Impediments 20 Final Report: 10/27/09 Census Tract 369 1,920 3.49 4.38 7.03 10.94 16.08 Census Tract 370 2,995 2.97 3.91 16.36 6.81 10.41 Census Tract 371 5,155 8.40 6.71 28.96 18.81 19.97 Census Tract 372 6,176 4.68 6.95 41.01 14.81 15.66 Census Tract 374.02 3,604 7.10 7.60 4.02 2.50 20.09 Census Tract 374.03 6,398 4.24 21.65 4.45 19.64 13.32 Census Tract 374.04 0 . . . . . Census Tract 375 4,859 2.74 2.49 2.39 3.88 8.15 Census Tract 376.01 4,189 4.08 3.01 2.98 10.11 18.95 Census Tract 376.02 3,950 6.05 14.56 16.25 15.97 22.89 Census Tract 401 7,307 1.01 0.27 1.26 3.18 8.88 Census Tract 402 1,905 0.16 0.26 1.63 3.23 21.87 Census Tract 403.01 1,864 0.80 0.43 1.39 3.46 9.51 Census Tract 403.02 5,516 1.50 1.02 2.03 2.53 14.60 Census Tract 404.01 3,518 1.34 0.34 1.39 2.19 12.65 Census Tract 404.02 5,113 3.11 2.27 1.60 7.82 13.52 Census Tract 405.02 2,701 0.37 0.78 1.63 3.52 17.11 Census Tract 405.03 3,423 1.90 1.11 0.96 4.91 10.62 Census Tract 405.04 4,106 1.46 0.78 2.12 3.75 12.00 Census Tract 406.01 4,123 4.41 0.41 1.16 1.82 7.91 Census Tract 406.03 5,746 4.12 1.39 1.11 0.24 10.68 Census Tract 406.04 7,316 4.85 1.56 2.00 5.50 11.61 Census Tract 407.03 6,720 3.18 0.71 1.67 2.73 11.56 Census Tract 407.04 5,580 3.69 1.99 1.52 4.32 11.96 Census Tract 407.05 3,959 4.04 1.04 1.06 1.55 8.21 Census Tract 407.06 5,355 4.37 0.90 1.31 0.11 7.47 Census Tract 407.07 4,310 3.06 0.30 0.86 1.16 8.54 Census Tract 408.01 3,179 4.18 1.04 1.64 5.09 11.29 Census Tract 408.02 1,794 2.84 2.68 1.45 21.25 4.01 Census Tract 408.03 4,679 3.57 0.98 1.13 2.11 10.97 Census Tract 409.01 2,241 2.95 0.54 3.26 2.12 18.97 Census Tract 409.02 4,212 2.35 3.58 3.73 9.70 17.87 Census Tract 410.01 3,439 3.02 2.76 1.42 5.92 15.54 Census Tract 410.02 2,951 4.64 1.63 1.90 3.27 13.43 Census Tract 411.03 2,348 6.77 4.47 2.73 7.08 17.74 Census Tract 411.04 3,094 6.37 0.84 1.00 0.70 11.13 Census Tract 411.05 5,222 3.70 1.34 0.73 3.14 12.36 Census Tract 411.06 4,033 5.21 3.74 1.69 5.01 9.00 Census Tract 411.07 5,767 4.70 2.57 3.14 4.35 13.28 Census Tract 412 4,090 2.47 8.39 1.83 10.43 19.04 Census Tract 413.01 3,395 9.84 3.09 2.03 4.13 12.96 Census Tract 413.02 3,956 4.63 1.16 1.31 2.40 15.46 Census Tract 414 5,108 3.90 2.15 2.62 7.05 16.50 Census Tract 415 4,995 2.84 1.24 0.86 1.87 13.47 Census Tract 416.01 6,303 5.19 4.19 1.86 2.76 11.82 Census Tract 416.02 3,299 5.91 6.21 3.06 4.93 13.91 Census Tract 417 2,730 2.86 2.27 2.78 5.46 20.32 Census Tract 418 3,904 4.82 2.33 1.84 5.76 11.85 Census Tract 419 3,138 5.39 1.34 0.92 2.18 10.51 Census Tract 420.01 2,434 27.28 5.96 5.88 21.68 9.69 Census Tract 420.02 2,364 12.90 4.91 2.58 9.33 9.60 Census Tract 421.01 5,094 5.28 3.83 2.53 5.68 18.51 Census Tract 421.02 4,677 8.21 4.60 2.03 5.37 10.52 Census Tract 422.01 1,363 6.82 3.67 3.96 3.56 14.61 Census Tract 422.02 4,658 8.16 4.25 2.43 6.26 18.96 Census Tract 423.01 2,688 7.03 1.34 1.00 2.34 13.40 Census Tract 423.02 4,567 3.70 2.52 2.67 4.40 13.49 Census Tract 424.01 4,488 4.19 3.28 1.38 3.48 20.53 Census Tract 424.02 5,635 2.98 3.28 2.36 7.90 17.63 ---PAGE BREAK--- FHIC Analysis of Impediments 21 Final Report: 10/27/09 Census Tract 425.01 4,888 2.93 3.81 2.64 5.74 23.65 Census Tract 425.02 6,508 3.84 4.24 2.11 3.17 10.02 Census Tract 426.01 4,452 1.66 4.22 2.52 6.69 14.87 Census Tract 426.02 2,250 0.98 0.62 1.96 2.66 21.44 Census Tract 427 5,379 2.06 2.86 2.36 2.73 13.11 Washington County Census Tract 701.03 4,136 0.73 0.58 1.09 8.01 11.92 Census Tract 701.04 2,718 0.37 0.15 0.70 3.92 14.18 Census Tract 701.05 4,308 0.46 0.28 0.60 3.07 10.10 Census Tract 701.06 3,278 0.70 0.06 1.49 1.25 6.13 Census Tract 702.03 3,375 1.81 0.24 1.57 1.11 14.71 Census Tract 702.04 2,988 1.00 0.17 1.10 2.01 7.50 Census Tract 702.05 3,692 0.57 0.24 0.76 2.34 16.11 Census Tract 702.06 3,530 0.65 0.14 1.08 2.19 10.16 Census Tract 703.01 1,581 1.14 0.63 1.27 1.78 6.48 Census Tract 703.03 4,587 0.96 0.78 1.16 1.11 9.16 Census Tract 703.04 4,901 0.33 0.78 1.00 4.32 14.37 Census Tract 704.03 3,842 0.83 0.10 1.09 1.64 8.03 Census Tract 704.04 2,263 1.15 0.13 0.49 0.00 7.90 Census Tract 704.05 3,124 2.02 0.13 0.67 3.36 6.80 Census Tract 704.06 3,739 1.52 0.59 1.85 10.64 13.50 Census Tract 705.01 3,549 0.59 0.17 0.82 2.15 6.85 Census Tract 705.02 3,986 0.53 0.33 0.65 4.84 17.28 Census Tract 706.01 4,877 0.78 0.43 0.90 4.20 9.92 Census Tract 706.02 2,965 0.30 0.10 1.75 5.40 10.71 Census Tract 707.01 5,348 1.42 0.43 1.40 1.10 6.12 Census Tract 707.03 3,415 1.29 2.02 1.64 4.56 18.81 Census Tract 707.04 1,746 0.46 0.11 0.40 3.68 16.93 Census Tract 708.01 1,422 0.98 39.87 6.61 . . Census Tract 708.02 324 0.31 33.02 6.79 . . Census Tract 709.06 5,210 2.76 1.96 2.40 1.36 9.94 Census Tract 709.07 4,673 1.65 2.33 2.29 7.01 15.55 Census Tract 709.08 7,178 2.26 3.66 3.80 5.93 12.55 Census Tract 709.09 5,722 3.15 1.43 1.96 0.93 9.44 Census Tract 709.10 4,570 2.25 1.27 3.26 4.46 18.70 Census Tract 710.01 4,660 4.18 4.44 3.24 4.89 10.28 Census Tract 710.03 3,715 1.48 1.70 4.25 3.72 13.41 Census Tract 710.06 3,532 5.75 2.97 1.93 1.22 7.22 Census Tract 710.10 5,542 5.47 1.82 1.84 1.34 7.62 Census Tract 710.11 3,224 3.82 1.99 1.61 1.00 5.90 Census Tract 710.12 4,274 3.39 3.84 2.55 1.10 15.48 Census Tract 710.13 5,406 4.20 2.00 1.83 1.29 16.43 Census Tract 710.14 3,515 5.46 3.07 1.85 0.48 5.79 Census Tract 710.15 6,297 5.70 1.86 1.95 0.65 7.85 Census Tract 710.16 3,657 7.52 2.49 2.71 0.00 7.84 Census Tract 710.17 1,941 5.51 2.32 1.85 0.71 9.15 Census Tract 710.18 4,415 4.53 1.31 2.08 4.81 7.60 Census Tract 711.01 3,756 0.45 0.11 1.25 3.69 11.69 Census Tract 711.02 4,190 0.74 0.17 1.03 1.29 10.16 Census Tract 712.02 5,401 1.04 0.89 2.52 2.44 14.61 Census Tract 712.03 1,199 0.50 0.83 1.00 2.53 13.80 Census Tract 712.06 5,705 1.37 5.84 3.01 6.31 12.55 Census Tract 712.07 7,319 1.60 1.52 2.35 0.51 8.25 Census Tract 712.08 5,373 1.60 2.05 2.44 1.02 14.15 Census Tract 712.09 5,892 1.60 1.85 2.66 1.53 6.48 Census Tract 713 5,070 1.10 2.27 2.78 5.53 16.39 ---PAGE BREAK--- FHIC Analysis of Impediments 22 Final Report: 10/27/09 ---PAGE BREAK--- FHIC Analysis of Impediments 23 Final Report: 10/27/09 APPENDIX B. BUREAU OF LABOR FORCE STATISTICS DATA Table B.1 Labor Force Statistics Anoka County Bureau of Labor Statistics Year Labor Force Employment Unemployment Unemployment Rate 1990 144,621 138,098 6,523 4.5 1991 148,700 141,222 7,478 5.0 1992 152,858 145,551 7,307 4.8 1993 156,542 149,246 7,296 4.7 1994 162,840 157,139 5,701 3.5 1995 167,891 162,715 5,176 3.1 1996 171,741 166,242 5,499 3.2 1997 174,833 170,197 4,636 2.7 1998 179,183 175,442 3,741 2.1 1999 183,742 179,695 4,047 2.2 2000 178,990 174,185 4,805 2.7 2001 183,326 176,721 6,605 3.6 2002 184,935 176,702 8,233 4.5 2003 187,044 178,107 8,937 4.8 2004 189,389 180,940 8,449 4.5 2005 190,607 183,101 7,506 3.9 2006 191,825 184,295 7,530 3.9 2007 193,784 185,076 8,708 4.5 Table B.2 Labor Force Statistics Carver County Bureau of Labor Statistics Year Labor Force Employment Unemployment Unemployment Rate 1990 28,160 27,136 1,024 3.6 1991 29,160 27,982 1,178 4.0 1992 30,303 29,120 1,183 3.9 1993 31,648 30,544 1,104 3.5 1994 33,751 32,813 938 2.8 1995 35,534 34,680 854 2.4 1996 37,092 36,197 895 2.4 1997 38,122 37,331 791 2.1 1998 39,542 38,768 774 2.0 1999 41,009 40,146 863 2.1 2000 41,004 40,023 981 2.4 2001 42,613 41,204 1,409 3.3 2002 43,925 42,127 1,798 4.1 2003 45,527 43,569 1,958 4.3 2004 46,876 45,050 1,826 3.9 2005 48,292 46,616 1,676 3.5 2006 49,601 47,957 1,644 3.3 2007 50,142 48,161 1,981 4.0 ---PAGE BREAK--- FHIC Analysis of Impediments 24 Final Report: 10/27/09 Table B.3 Labor Force Statistics Dakota County Bureau of Labor Statistics Year Labor Force Employment Unemployment Unemployment Rate 1990 165,843 159,828 6,015 3.6 1991 171,145 163,901 7,244 4.2 1992 177,343 170,179 7,164 4.0 1993 182,783 176,182 6,601 3.6 1994 188,785 183,296 5,489 2.9 1995 195,741 190,817 4,924 2.5 1996 202,647 197,472 5,175 2.6 1997 207,432 203,259 4,173 2.0 1998 213,987 209,853 4,134 1.9 1999 218,540 214,524 4,016 1.8 2000 216,804 211,589 5,215 2.4 2001 221,094 214,131 6,963 3.1 2002 222,653 213,795 8,858 4.0 2003 224,928 215,361 9,567 4.3 2004 227,130 218,021 9,109 4.0 2005 229,021 220,614 8,407 3.7 2006 230,745 222,538 8,207 3.6 2007 232,871 223,481 9,390 4.0 Table B.4 Labor Force Statistics Hennepin County Bureau of Labor Statistics Year Labor Force Employment Unemployment Unemployment Rate 1990 614,639 590,188 24,451 4.0 1991 616,369 589,272 27,097 4.4 1992 620,914 594,026 26,888 4.3 1993 626,283 600,456 25,827 4.1 1994 639,272 618,668 20,604 3.2 1995 648,600 630,201 18,399 2.8 1996 649,891 630,896 18,995 2.9 1997 651,618 635,827 15,791 2.4 1998 658,175 644,563 13,612 2.1 1999 663,340 648,901 14,439 2.2 2000 665,428 647,710 17,718 2.7 2001 671,841 648,062 23,779 3.5 2002 666,287 636,638 29,649 4.4 2003 664,358 633,533 30,825 4.6 2004 661,281 632,567 28,714 4.3 2005 655,661 631,049 24,612 3.8 2006 654,390 630,854 23,536 3.6 2007 660,262 633,526 26,736 4.0 ---PAGE BREAK--- FHIC Analysis of Impediments 25 Final Report: 10/27/09 Table B.5 Labor Force Statistics Ramsey County Bureau of Labor Statistics Year Labor Force Employment Unemployment Unemployment Rate 1990 270,985 260,231 10,754 4.0 1991 270,643 258,609 12,034 4.4 1992 272,368 260,484 11,884 4.4 1993 272,165 261,212 10,953 4.0 1994 275,945 266,882 9,063 3.3 1995 279,713 271,493 8,220 2.9 1996 280,248 271,410 8,838 3.2 1997 281,457 273,905 7,552 2.7 1998 283,703 277,400 6,303 2.2 1999 284,715 278,142 6,573 2.3 2000 286,136 278,034 8,102 2.8 2001 287,460 277,222 10,238 3.6 2002 284,132 271,602 12,530 4.4 2003 281,260 267,741 13,519 4.8 2004 277,315 264,559 12,756 4.6 2005 272,655 261,775 10,880 4.0 2006 270,754 260,158 10,596 3.9 2007 273,155 261,260 11,895 4.4 Table B.6 Labor Force Statistics Washington County Bureau of Labor Statistics Year Labor Force Employment Unemployment Unemployment Rate 1990 82,781 79,691 3,090 3.7 1991 85,754 82,060 3,694 4.3 1992 89,338 85,667 3,671 4.1 1993 94,072 90,530 3,542 3.8 1994 100,114 97,260 2,854 2.9 1995 104,642 101,893 2,749 2.6 1996 109,089 106,222 2,867 2.6 1997 112,048 109,687 2,361 2.1 1998 115,751 113,668 2,083 1.8 1999 119,440 117,276 2,164 1.8 2000 117,885 115,006 2,879 2.4 2001 120,837 117,138 3,699 3.1 2002 121,811 117,081 4,730 3.9 2003 123,692 118,533 5,159 4.2 2004 124,533 119,561 4,972 4.0 2005 126,180 121,686 4,494 3.6 2006 128,470 123,871 4,599 3.6 2007 129,549 124,396 5,153 4.0 ---PAGE BREAK--- FHIC Analysis of Impediments 26 Final Report: 10/27/09 Table B.7 Labor Force Fair Housing Implementation Council Region Bureau of Labor Statistics Month 2005 2006 2007 2008 January 1,500,272 1,509,280 1,528,682 1,529,117 February 1,498,868 1,509,144 1,524,098 1,526,735 March 1,503,170 1,511,702 1,525,501 1,535,044 April 1,526,691 1,514,983 1,528,454 1,542,101 May 1,523,515 1,513,579 1,532,089 1,546,191 June 1,524,973 1,535,309 1,549,897 1,552,004 July 1,538,102 1,544,098 1,562,937 1,558,938 August 1,532,552 1,534,454 1,550,265 1,555,527 September 1,527,789 1,525,734 1,545,133 1,541,141 October 1,536,151 1,534,019 1,542,281 1,541,159 November 1,532,329 1,538,958 1,547,603 1,537,176 December 1,524,581 1,538,172 1,540,188 1,527,920 Annual 1,522,416 1,525,785 1,539,763 . Table B.8 Employment Fair Housing Implementation Council Region Bureau of Labor Statistics Month 2005 2006 2007 2008 January 1,435,323 1,447,048 1,461,108 1,461,108 February 1,437,577 1,448,593 1,461,324 1,461,753 March 1,440,363 1,452,872 1,462,818 1,465,316 April 1,470,298 1,461,984 1,467,514 1,476,718 May 1,469,468 1,465,118 1,472,809 1,473,924 June 1,465,690 1,478,874 1,482,903 1,472,964 July 1,483,324 1,487,934 1,497,392 1,473,928 August 1,479,362 1,480,456 1,486,316 1,466,859 September 1,467,368 1,466,605 1,475,211 1,452,589 October 1,483,067 1,481,608 1,481,666 1,459,886 November 1,476,789 1,483,913 1,488,111 1,449,683 December 1,469,466 1,481,085 1,473,607 1,433,307 Annual 1,464,841 1,469,673 1,475,900 . ---PAGE BREAK--- FHIC Analysis of Impediments 27 Final Report: 10/27/09 Table B.9 Unemployment Fair Housing Implementation Council Region Bureau of Labor Statistics Month 2005 2006 2007 2008 January 64,949 62,232 67,574 68,009 February 61,291 60,551 62,774 64,982 March 62,807 58,830 62,683 69,728 April 56,393 52,999 60,940 65,383 May 54,047 48,461 59,280 72,267 June 59,283 56,435 66,994 79,040 July 54,778 56,164 65,545 85,010 August 53,190 53,998 63,949 88,668 September 60,421 59,129 69,922 88,552 October 53,084 52,411 60,615 81,273 November 55,540 55,045 59,492 87,493 December 55,115 57,087 66,581 94,613 Annual 57,575 56,112 63,863 . Table B.10 Unemployment Rate Fair Housing Implementation Council Region Bureau of Labor Statistics Month 2005 2006 2007 2008 January 4.3 4.1 4.4 4.4 February 4.1 4.0 4.1 4.3 March 4.2 3.9 4.1 4.5 April 3.7 3.5 4.0 4.2 May 3.5 3.2 3.9 4.7 June 3.9 3.7 4.3 5.1 July 3.6 3.6 4.2 5.5 August 3.5 3.5 4.1 5.7 September 4.0 3.9 4.5 5.7 October 3.5 3.4 3.9 5.3 November 3.6 3.6 3.8 5.7 December 3.6 3.7 4.3 6.2 Annual 3.8 3.7 4.1 . ---PAGE BREAK--- FHIC Analysis of Impediments 28 Final Report: 10/27/09 Table B.11 Labor Force Anoka County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 188,370 190,192 192,994 192,842 February 188,235 190,203 192,573 192,739 March 188,723 190,494 192,617 193,701 April 191,397 190,553 192,769 194,510 May 190,508 190,043 192,711 194,601 June 190,573 192,617 194,673 195,101 July 192,226 193,660 196,224 195,764 August 191,504 192,414 194,509 195,235 September 190,793 191,640 194,081 193,534 October 192,094 192,704 193,690 193,686 November 191,734 193,577 194,510 193,609 December 191,124 193,806 194,049 193,055 Annual 190,607 191,825 193,784 . Table B.12 Employment Anoka County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 179,411 181,458 183,221 183,221 February 179,692 181,652 183,248 183,302 March 180,041 182,188 183,435 183,749 April 183,783 183,331 184,024 185,178 May 183,679 183,724 184,688 184,828 June 183,207 185,449 185,954 184,708 July 185,411 186,585 187,771 184,829 August 184,916 185,647 186,382 183,942 September 183,416 183,910 184,990 182,153 October 185,379 185,792 185,799 183,068 November 184,595 186,081 186,607 181,788 December 183,679 185,726 184,788 179,735 Annual 183,101 184,295 185,076 . ---PAGE BREAK--- FHIC Analysis of Impediments 29 Final Report: 10/27/09 Table B.13 Unemployment Anoka County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 8,959 8,734 9,773 9,621 February 8,543 8,551 9,325 9,437 March 8,682 8,306 9,182 9,952 April 7,614 7,222 8,745 9,332 May 6,829 6,319 8,023 9,773 June 7,366 7,168 8,719 10,393 July 6,815 7,075 8,453 10,935 August 6,588 6,767 8,127 11,293 September 7,377 7,730 9,091 11,381 October 6,715 6,912 7,891 10,618 November 7,139 7,496 7,903 11,821 December 7,445 8,080 9,261 13,320 Annual 7,506 7,530 8,708 . Table B.14 Unemployment Rate Anoka County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 4.8 4.6 5.1 5.0 February 4.5 4.5 4.8 4.9 March 4.6 4.4 4.8 5.1 April 4.0 3.8 4.5 4.8 May 3.6 3.3 4.2 5.0 June 3.9 3.7 4.5 5.3 July 3.5 3.7 4.3 5.6 August 3.4 3.5 4.2 5.8 September 3.9 4.0 4.7 5.9 October 3.5 3.6 4.1 5.5 November 3.7 3.9 4.1 6.1 December 3.9 4.2 4.8 6.9 Annual 3.9 3.9 4.5 . ---PAGE BREAK--- FHIC Analysis of Impediments 30 Final Report: 10/27/09 Table B.15 Labor Force Carver County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 47,814 49,140 49,954 50,067 February 47,785 49,195 49,783 49,964 March 47,886 49,359 49,812 50,171 April 48,531 49,337 49,842 50,431 May 48,280 49,163 49,810 50,319 June 48,274 49,841 50,273 50,439 July 48,694 50,100 50,694 50,700 August 48,574 49,779 50,398 50,584 September 48,318 49,454 50,225 50,059 October 48,529 49,760 50,172 50,046 November 48,467 49,961 50,396 50,034 December 48,358 50,124 50,344 49,923 Annual 48,292 49,601 50,142 . Table B.16 Employment Carver County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 45,677 47,219 47,678 47,678 February 45,749 47,269 47,685 47,699 March 45,837 47,409 47,734 47,815 April 46,790 47,706 47,887 48,187 May 46,764 47,809 48,060 48,096 June 46,643 48,257 48,389 48,065 July 47,205 48,553 48,862 48,096 August 47,078 48,309 48,500 47,865 September 46,697 47,857 48,138 47,400 October 47,197 48,347 48,349 47,638 November 46,996 48,422 48,559 47,305 December 46,764 48,330 48,086 46,771 Annual 46,616 47,957 48,161 . ---PAGE BREAK--- FHIC Analysis of Impediments 31 Final Report: 10/27/09 Table B.17 Unemployment Carver County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 2,137 1,921 2,276 2,389 February 2,036 1,926 2,098 2,265 March 2,049 1,950 2,078 2,356 April 1,741 1,631 1,955 2,244 May 1,516 1,354 1,750 2,223 June 1,631 1,584 1,884 2,374 July 1,489 1,547 1,832 2,604 August 1,496 1,470 1,898 2,719 September 1,621 1,597 2,087 2,659 October 1,332 1,413 1,823 2,408 November 1,471 1,539 1,837 2,729 December 1,594 1,794 2,258 3,152 Annual 1,676 1,644 1,981 . Table B.18 Unemployment Rate Carver County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 4.5 3.9 4.6 4.8 February 4.3 3.9 4.2 4.5 March 4.3 4.0 4.2 4.7 April 3.6 3.3 3.9 4.4 May 3.1 2.8 3.5 4.4 June 3.4 3.2 3.7 4.7 July 3.1 3.1 3.6 5.1 August 3.1 3.0 3.8 5.4 September 3.4 3.2 4.2 5.3 October 2.7 2.8 3.6 4.8 November 3.0 3.1 3.6 5.5 December 3.3 3.6 4.5 6.3 Annual 3.5 3.3 4.0 . ---PAGE BREAK--- FHIC Analysis of Impediments 32 Final Report: 10/27/09 Table B.19 Labor Force Dakota County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 225,727 228,482 231,681 231,845 February 225,576 228,545 230,990 231,428 March 226,235 228,806 231,086 232,584 April 229,592 229,091 231,271 233,418 May 228,914 228,711 231,487 233,678 June 228,898 231,835 234,083 234,427 July 230,908 233,209 236,032 235,383 August 230,130 231,762 234,211 234,592 September 230,392 230,698 233,336 232,519 October 231,471 232,013 232,972 232,563 November 230,672 232,881 234,033 232,030 December 229,736 232,907 233,267 231,136 Annual 229,021 230,745 232,871 . Table B.20 Employment Dakota County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 216,168 219,112 221,241 221,241 February 216,508 219,346 221,274 221,339 March 216,928 219,994 221,500 221,878 April 221,436 221,374 222,211 223,605 May 221,311 221,848 223,013 223,182 June 220,742 223,931 224,541 223,036 July 223,398 225,303 226,735 223,182 August 222,801 224,171 225,058 222,112 September 220,995 222,073 223,376 219,951 October 223,359 224,345 224,354 221,056 November 222,413 224,694 225,330 219,511 December 221,311 224,266 223,134 217,031 Annual 220,614 222,538 223,481 . ---PAGE BREAK--- FHIC Analysis of Impediments 33 Final Report: 10/27/09 Table B.21 Unemployment Dakota County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 9,559 9,370 10,440 10,604 February 9,068 9,199 9,716 10,089 March 9,307 8,812 9,586 10,706 April 8,156 7,717 9,060 9,813 May 7,603 6,863 8,474 10,496 June 8,156 7,904 9,542 11,391 July 7,510 7,906 9,297 12,201 August 7,329 7,591 9,153 12,480 September 9,397 8,625 9,960 12,568 October 8,112 7,668 8,618 11,507 November 8,259 8,187 8,703 12,519 December 8,425 8,641 10,133 14,105 Annual 8,407 8,207 9,390 . Table B.22 Unemployment Rate Dakota County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 4.2 4.1 4.5 4.6 February 4.0 4.0 4.2 4.4 March 4.1 3.9 4.1 4.6 April 3.6 3.4 3.9 4.2 May 3.3 3.0 3.7 4.5 June 3.6 3.4 4.1 4.9 July 3.3 3.4 3.9 5.2 August 3.2 3.3 3.9 5.3 September 4.1 3.7 4.3 5.4 October 3.5 3.3 3.7 4.9 November 3.6 3.5 3.7 5.4 December 3.7 3.7 4.3 6.1 Annual 3.7 3.6 4.0 . ---PAGE BREAK--- FHIC Analysis of Impediments 34 Final Report: 10/27/09 Table B.23 Labor Force Hennepin County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 645,468 646,402 654,345 654,517 February 644,773 646,175 652,246 653,230 March 646,554 647,353 652,979 656,885 April 656,865 649,501 654,696 660,195 May 656,656 649,651 657,179 662,958 June 657,640 659,263 665,167 665,947 July 663,204 663,064 671,043 669,182 August 661,007 659,118 665,766 668,138 September 658,299 654,550 663,254 661,821 October 661,730 658,390 662,156 661,707 November 659,902 659,867 664,141 659,398 December 655,825 659,341 660,165 654,016 Annual 655,661 654,390 660,262 . Table B.24 Employment Hennepin County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 618,333 621,142 627,177 627,177 February 619,303 621,805 627,270 627,454 March 620,504 623,642 627,911 628,983 April 633,399 627,553 629,927 633,878 May 633,041 628,898 632,200 632,678 June 631,414 634,803 636,533 632,266 July 639,011 638,692 642,752 632,680 August 637,304 635,482 637,998 629,646 September 632,138 629,537 633,231 623,520 October 638,900 635,976 636,001 626,652 November 636,196 636,966 638,768 622,273 December 633,041 635,752 632,542 615,243 Annual 631,049 630,854 633,526 . ---PAGE BREAK--- FHIC Analysis of Impediments 35 Final Report: 10/27/09 Table B.25 Unemployment Hennepin County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 27,135 25,260 27,168 27,340 February 25,470 24,370 24,976 25,776 March 26,050 23,711 25,068 27,902 April 23,466 21,948 24,769 26,317 May 23,615 20,753 24,979 30,280 June 26,226 24,460 28,634 33,681 July 24,193 24,372 28,291 36,502 August 23,703 23,636 27,768 38,492 September 26,161 25,013 30,023 38,301 October 22,830 22,414 26,155 35,055 November 23,706 22,901 25,373 37,125 December 22,784 23,589 27,623 38,773 Annual 24,612 23,536 26,736 . Table B.26 Unemployment Rate Hennepin County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 4.2 3.9 4.2 4.2 February 4.0 3.8 3.8 3.9 March 4.0 3.7 3.8 4.2 April 3.6 3.4 3.8 4.0 May 3.6 3.2 3.8 4.6 June 4.0 3.7 4.3 5.1 July 3.6 3.7 4.2 5.5 August 3.6 3.6 4.2 5.8 September 4.0 3.8 4.5 5.8 October 3.5 3.4 3.9 5.3 November 3.6 3.5 3.8 5.6 December 3.5 3.6 4.2 5.9 Annual 3.8 3.6 4.0 . ---PAGE BREAK--- FHIC Analysis of Impediments 36 Final Report: 10/27/09 Table B.27 Labor Force Ramsey County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 268,597 267,824 270,895 270,942 February 268,149 267,742 270,064 270,439 March 268,983 268,178 270,442 272,071 April 273,525 268,846 271,057 273,283 May 272,980 268,641 271,974 274,366 June 273,425 272,645 275,444 275,514 July 275,720 274,236 277,711 276,784 August 274,546 272,359 275,152 276,220 September 273,445 270,923 274,375 273,591 October 275,029 272,151 273,561 273,553 November 274,483 273,013 274,410 272,724 December 272,978 272,497 272,774 270,861 Annual 272,655 270,754 273,155 . Table B.28 Employment Ramsey County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 256,500 256,153 258,642 258,642 February 256,903 256,427 258,680 258,756 March 257,400 257,184 258,945 259,387 April 262,750 258,797 259,776 261,405 May 262,602 259,352 260,713 260,911 June 261,927 261,787 262,500 260,741 July 265,078 263,391 265,065 260,911 August 264,370 262,067 263,104 259,660 September 262,226 259,615 261,138 257,134 October 265,032 262,271 262,281 258,426 November 263,910 262,679 263,422 256,620 December 262,601 262,178 260,854 253,721 Annual 261,775 260,158 261,260 . ---PAGE BREAK--- FHIC Analysis of Impediments 37 Final Report: 10/27/09 Table B.29 Unemployment Ramsey County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 12,097 11,671 12,253 12,300 February 11,246 11,315 11,384 11,683 March 11,583 10,994 11,497 12,684 April 10,775 10,049 11,281 11,878 May 10,378 9,289 11,261 13,455 June 11,498 10,858 12,944 14,773 July 10,642 10,845 12,646 15,873 August 10,176 10,292 12,048 16,560 September 11,219 11,308 13,237 16,457 October 9,997 9,880 11,280 15,127 November 10,573 10,334 10,988 16,104 December 10,377 10,319 11,920 17,140 Annual 10,880 10,596 11,895 . Table B.30 Unemployment Rate Ramsey County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 4.5 4.4 4.5 4.5 February 4.2 4.2 4.2 4.3 March 4.3 4.1 4.3 4.7 April 3.9 3.7 4.2 4.3 May 3.8 3.5 4.1 4.9 June 4.2 4.0 4.7 5.4 July 3.9 4.0 4.6 5.7 August 3.7 3.8 4.4 6.0 September 4.1 4.2 4.8 6.0 October 3.6 3.6 4.1 5.5 November 3.9 3.8 4.0 5.9 December 3.8 3.8 4.4 6.3 Annual 4.0 3.9 4.4 . ---PAGE BREAK--- FHIC Analysis of Impediments 38 Final Report: 10/27/09 Table B.31 Labor Force Washington County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 124,296 127,240 128,813 128,904 February 124,350 127,284 128,442 128,935 March 124,789 127,512 128,565 129,632 April 126,781 127,655 128,819 130,264 May 126,177 127,370 128,928 130,269 June 126,163 129,108 130,257 130,576 July 127,350 129,829 131,233 131,125 August 126,791 129,022 130,229 130,758 September 126,542 128,469 129,862 129,617 October 127,298 129,001 129,730 129,604 November 127,071 129,659 130,113 129,381 December 126,560 129,497 129,589 128,929 Annual 126,180 128,470 129,549 . Table B.32 Employment Washington County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 119,234 121,964 123,149 123,149 February 119,422 122,094 123,167 123,203 March 119,653 122,455 123,293 123,504 April 122,140 123,223 123,689 124,465 May 122,071 123,487 124,135 124,229 June 121,757 124,647 124,986 124,148 July 123,221 125,410 126,207 124,230 August 122,893 124,780 125,274 123,634 September 121,896 123,613 124,338 122,431 October 123,200 124,877 124,882 123,046 November 122,679 125,071 125,425 122,186 December 122,070 124,833 124,203 120,806 Annual 121,686 123,871 124,396 . ---PAGE BREAK--- FHIC Analysis of Impediments 39 Final Report: 10/27/09 Table B.33 Unemployment Washington County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 5,062 5,276 5,664 5,755 February 4,928 5,190 5,275 5,732 March 5,136 5,057 5,272 6,128 April 4,641 4,432 5,130 5,799 May 4,106 3,883 4,793 6,040 June 4,406 4,461 5,271 6,428 July 4,129 4,419 5,026 6,895 August 3,898 4,242 4,955 7,124 September 4,646 4,856 5,524 7,186 October 4,098 4,124 4,848 6,558 November 4,392 4,588 4,688 7,195 December 4,490 4,664 5,386 8,123 Annual 4,494 4,599 5,153 . Table B.34 Unemployment Rate Washington County Bureau of Labor Statistics Month 2005 2006 2007 2008 January 4.1 4.1 4.4 4.5 February 4.0 4.1 4.1 4.4 March 4.1 4.0 4.1 4.7 April 3.7 3.5 4.0 4.5 May 3.3 3.0 3.7 4.6 June 3.5 3.5 4.0 4.9 July 3.2 3.4 3.8 5.3 August 3.1 3.3 3.8 5.4 September 3.7 3.8 4.3 5.5 October 3.2 3.2 3.7 5.1 November 3.5 3.5 3.6 5.6 December 3.5 3.6 4.2 6.3 Annual 3.6 3.6 4.0 . ---PAGE BREAK--- FHIC Analysis of Impediments 40 Final Report: 10/27/09 Table B.35 Number of Establishments Anoka County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 6,914 6,977 6,990 6,991 6,968 . 2002 6,999 7,134 7,147 7,146 7,107 1.99 2003 7,310 7,378 7,419 7,379 7,372 3.73 2004 7,217 7,387 7,510 7,578 7,423 0.69 2005 7,423 7,695 7,888 8,072 7,770 4.67 2006 7,986 7,962 7,867 7,992 7,952 2.34 2007 7,624 7,711 7,792 7,868 7,749 -2.55 2008p 7,848 7,877 . . . . Table B.36 Total Wages Anoka County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 913,862 954,851 911,509 1,007,594 3,787,816 . 2002 928,808 994,500 960,975 1,054,805 3,939,087 3.99 2003 963,337 1,047,417 1,000,895 1,098,416 4,110,065 4.34 2004 998,790 1,068,424 1,065,673 1,208,600 4,341,487 5.63 2005 1,039,301 1,162,051 1,131,963 1,171,840 4,505,156 3.77 2006 1,114,711 1,225,970 1,125,491 1,223,949 4,690,121 4.11 2007 1,145,658 1,263,540 1,163,088 1,276,174 4,848,458 3.38 2008p 1,162,070 1,253,157 . . . . Table B.37 Average Weekly Wages Anoka County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 644 662 652 701 665 . 2002 668 697 686 737 697 4.81 2003 690 724 700 752 717 2.87 2004 711 724 734 811 746 4.04 2005 720 776 751 774 756 1.34 2006 757 808 746 811 781 3.31 2007 776 834 769 832 803 2.82 2008p 796 840 . . . . ---PAGE BREAK--- FHIC Analysis of Impediments 41 Final Report: 10/27/09 Table B.38 Number of Establishments Carver County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 1,843 1,867 1,861 1,866 1,859 . 2002 1,892 1,918 1,926 1,932 1,917 3.12 2003 2,005 2,006 2,024 2,007 2,011 4.90 2004 2,011 2,063 2,141 2,157 2,093 4.08 2005 2,133 2,211 2,278 2,345 2,242 7.12 2006 2,326 2,326 2,332 2,377 2,340 4.37 2007 2,310 2,363 2,386 2,420 2,370 1.28 2008p 2,435 2,441 . . . . Table B.39 Total Wages Carver County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 256,704 256,974 254,926 298,528 1,067,132 . 2002 268,417 268,381 264,411 290,986 1,092,195 2.35 2003 269,243 277,414 282,133 309,252 1,138,043 4.20 2004 286,086 292,704 303,104 350,789 1,232,683 8.32 2005 288,312 298,440 328,634 343,047 1,258,433 2.09 2006 323,435 331,945 330,512 363,682 1,349,573 7.24 2007 343,564 339,598 342,008 369,994 1,395,164 3.38 2008p 355,284 357,502 . . . . Table B.40 Average Weekly Wages Carver County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 680 657 657 781 694 . 2002 710 679 664 735 697 0.43 2003 682 683 704 776 711 2.01 2004 732 716 729 842 755 6.19 2005 729 722 782 809 761 0.79 2006 774 754 756 834 780 2.50 2007 826 787 804 871 822 5.38 2008p 844 824 . . . . ---PAGE BREAK--- FHIC Analysis of Impediments 42 Final Report: 10/27/09 Table B.41 Number of Establishments Dakota County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 9,218 9,292 9,300 9,291 9,275 . 2002 9,283 9,422 9,453 9,414 9,393 1.27 2003 9,591 9,645 9,692 9,611 9,635 2.58 2004 9,381 9,594 9,788 9,893 9,664 0.30 2005 9,740 10,089 10,397 10,645 10,218 5.73 2006 10,548 10,527 10,408 10,563 10,512 2.88 2007 10,214 10,362 10,482 10,641 10,425 -0.83 2008p 10,604 10,661 . . . . Table B.42 Total Wages Dakota County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 1,373,735 1,369,619 1,346,837 1,464,317 5,554,508 . 2002 1,437,812 1,456,438 1,436,802 1,571,623 5,902,675 6.27 2003 1,533,090 1,543,559 1,528,773 1,655,011 6,260,433 6.06 2004 1,589,475 1,622,259 1,611,618 1,829,217 6,652,568 6.26 2005 1,621,607 1,692,679 1,724,699 1,835,108 6,874,092 3.33 2006 1,797,454 1,811,727 1,706,379 1,903,011 7,218,571 5.01 2007 1,882,897 1,902,823 1,785,195 2,040,472 7,611,386 5.44 2008p 1,945,642 1,937,407 . . . . Table B.43 Average Weekly Wages Dakota County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 694 671 668 712 686 . 2002 713 698 691 739 710 3.50 2003 734 713 718 761 732 3.10 2004 753 735 742 822 763 4.23 2005 753 757 775 807 774 1.44 2006 811 790 755 833 797 2.97 2007 842 821 776 885 831 4.27 2008p 870 847 . . . . ---PAGE BREAK--- FHIC Analysis of Impediments 43 Final Report: 10/27/09 Table B.44 Number of Establishments Hennepin County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 41,825 41,935 41,938 41,950 41,912 . 2002 41,077 41,401 41,468 41,443 41,347 -1.35 2003 41,265 41,348 41,396 41,078 41,272 -0.18 2004 39,463 40,203 40,781 41,145 40,398 -2.12 2005 40,042 41,301 42,396 43,237 41,744 3.33 2006 42,523 42,386 42,013 42,673 42,399 1.57 2007 40,910 41,542 42,005 42,636 41,773 -1.48 2008p 42,519 42,789 . . . . Table B.45 Total Wages Hennepin County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 10,268,939 9,618,617 9,298,365 10,107,237 39,293,158 . 2002 9,832,761 9,391,238 9,300,732 10,063,546 38,588,276 -1.79 2003 9,775,094 9,531,875 9,662,222 10,291,651 39,260,842 1.74 2004 10,309,225 9,847,067 9,998,805 11,415,403 41,570,500 5.88 2005 10,588,720 10,204,439 10,757,005 11,152,712 42,702,877 2.72 2006 11,351,588 10,749,256 10,800,381 11,614,604 44,515,829 4.25 2007 12,251,443 11,729,121 11,534,214 12,444,914 47,959,692 7.74 2008p 12,928,524 11,762,084 . . . . Table B.46 Average Weekly Wages Hennepin County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 913 849 832 906 875 . 2002 913 864 863 921 890 1.71 2003 923 890 910 958 920 3.37 2004 984 914 933 1,049 970 5.43 2005 998 939 990 1,011 985 1.55 2006 1,053 980 989 1,051 1,018 3.35 2007 1,128 1,062 1,046 1,116 1,088 6.88 2008p 1,187 1,069 . . . . ---PAGE BREAK--- FHIC Analysis of Impediments 44 Final Report: 10/27/09 Table B.47 Number of Establishments Ramsey County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 14,739 14,817 14,852 14,820 14,807 . 2002 14,603 14,707 14,695 14,661 14,667 -0.95 2003 14,628 15,150 15,160 15,046 14,996 2.24 2004 14,544 14,797 14,945 15,026 14,828 -1.12 2005 14,739 15,278 15,638 15,895 15,388 3.78 2006 15,716 15,644 15,464 15,644 15,617 1.49 2007 14,994 15,157 15,278 15,453 15,221 -2.54 2008p 15,368 15,448 . . . . Table B.48 Total Wages Ramsey County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 3,374,692 3,377,474 3,220,928 3,495,403 13,468,498 . 2002 3,395,017 3,370,719 3,285,225 3,598,284 13,649,245 1.34 2003 3,467,985 3,464,577 3,346,223 3,704,961 13,983,746 2.45 2004 3,657,728 3,614,558 3,463,788 3,935,555 14,671,629 4.92 2005 3,653,496 3,635,337 3,711,880 3,835,907 14,836,620 1.12 2006 3,937,997 3,793,428 3,668,317 3,927,077 15,326,820 3.30 2007 4,166,360 3,915,747 3,874,279 4,138,088 16,094,473 5.01 2008p 4,272,683 3,982,244 . . . . Table B.49 Average Weekly Wages Ramsey County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 784 774 749 801 777 . 2002 801 787 774 838 800 2.96 2003 830 812 795 873 827 3.37 2004 881 848 819 917 867 4.84 2005 874 851 862 882 867 0.00 2006 929 878 850 907 891 2.77 2007 981 906 898 954 934 4.83 2008p 1,004 920 . . . . ---PAGE BREAK--- FHIC Analysis of Impediments 45 Final Report: 10/27/09 Table B.50 Number of Establishments Washington County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 4,807 4,850 4,860 4,854 4,843 . 2002 4,899 4,996 5,004 4,985 4,971 2.64 2003 5,089 5,119 5,175 5,137 5,130 3.20 2004 4,992 5,096 5,181 5,244 5,128 -0.04 2005 5,156 5,351 5,522 5,663 5,423 5.75 2006 5,615 5,595 5,559 5,655 5,606 3.37 2007 5,414 5,492 5,565 5,661 5,533 -1.30 2008p 5,689 5,719 . . . . Table B.51 Total Wages Washington County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 546,994 583,802 551,580 641,503 2,323,880 . 2002 569,054 576,881 571,206 628,422 2,345,562 0.93 2003 633,731 607,216 600,916 646,658 2,488,521 6.09 2004 648,959 636,245 632,640 699,813 2,617,658 5.19 2005 664,218 650,984 667,183 698,906 2,681,290 2.43 2006 757,109 691,050 642,551 712,514 2,803,224 4.55 2007 745,358 706,005 669,514 731,597 2,852,475 1.76 2008p 746,903 711,403 . . . . Table B.52 Average Weekly Wages Washington County BLS Quarterly Census of Employment and Wages Year First Quarter Second Quarter Third Quarter Fourth Quarter Annual % Change 2001 619 642 616 706 646 . 2002 652 639 636 693 655 1.39 2003 713 654 658 695 680 3.82 2004 723 675 675 738 703 3.38 2005 725 674 694 714 701 -0.28 2006 796 704 669 741 727 3.71 2007 795 720 691 754 739 1.65 2008p 792 739 . . . . ---PAGE BREAK--- FHIC Analysis of Impediments 46 Final Report: 10/27/09 ---PAGE BREAK--- FHIC Analysis of Impediments 47 Final Report: 10/27/09 APPENDIX C. BUREAU OF ECONOMIC ANALYSIS DATA Table C.1 Total Employment and Real Personal Income Fair Housing Implementation Council Region BEA Data 1969 - 2006, 2008 Dollars 1,000s of 2008 Dollars Year Earnings Social Security Contributions Residence Adjustments Dividends, Interest, Rents Transfer Payments Personal Income Per Capita Income Total Employment Average Real Earnings Per Job 1969 34,105,752 2,396,235 -1,234,356 4,993,798 2,589,964 38,058,923 21,041 920,567 37,049 1970 34,536,368 2,386,241 -1,196,440 5,105,825 2,938,434 38,997,945 21,136 922,487 37,438 1971 34,736,454 2,483,554 -1,232,496 5,222,669 3,278,263 39,521,336 21,282 917,446 37,862 1972 35,850,191 2,693,460 -1,305,528 5,285,428 3,470,301 40,606,932 21,930 950,342 37,723 1973 38,050,626 3,291,918 -1,423,508 5,552,716 3,899,638 42,787,554 22,988 1,004,276 37,889 1974 38,229,605 3,411,116 -1,474,496 5,863,932 4,119,342 43,327,267 23,120 1,027,883 37,193 1975 37,102,099 3,231,075 -1,457,598 5,806,864 4,568,766 42,789,056 22,819 1,017,428 36,467 1976 39,114,236 3,487,202 -1,605,085 5,916,267 4,713,326 44,651,541 23,698 1,045,434 37,414 1977 41,486,822 3,685,218 -1,780,376 6,202,197 4,536,688 46,760,113 24,752 1,090,921 38,029 1978 44,086,559 4,046,049 -1,977,134 6,525,596 4,526,388 49,115,360 25,831 1,145,064 38,501 1979 46,798,115 4,473,913 -2,252,235 6,869,765 4,621,172 51,562,904 26,886 1,212,206 38,606 1980 47,485,884 4,539,915 -2,410,763 7,787,441 4,990,514 53,313,161 27,351 1,241,615 38,245 1981 47,248,119 4,835,330 -2,423,602 8,973,444 5,231,208 54,193,840 27,467 1,241,022 38,072 1982 47,131,192 4,916,592 -2,416,140 10,098,767 5,482,101 55,379,329 27,764 1,221,860 38,573 1983 48,894,408 5,182,794 -2,509,937 10,315,342 5,678,176 57,195,196 28,481 1,238,870 39,467 1984 53,476,630 5,806,374 -2,754,093 11,294,480 5,736,766 61,947,409 30,553 1,323,067 40,419 1985 56,337,749 6,211,003 -2,899,506 11,879,334 5,991,272 65,097,845 31,616 1,372,445 41,049 1986 58,751,433 6,605,700 -3,008,253 12,506,507 6,195,120 67,839,107 32,422 1,404,898 41,819 1987 61,928,392 6,921,532 -3,187,631 12,805,311 6,279,049 70,903,590 33,347 1,470,166 42,123 1988 64,773,676 7,493,803 -3,379,754 13,345,130 6,517,202 73,762,450 33,968 1,517,776 42,677 1989 66,343,124 7,682,162 -3,357,826 14,684,413 6,827,448 76,814,998 34,859 1,549,817 42,807 1990 67,490,457 7,885,680 -3,337,090 15,492,242 7,132,615 78,892,544 35,218 1,576,893 42,800 1991 67,718,494 8,051,267 -3,387,011 15,218,090 7,483,929 78,982,235 34,755 1,577,973 42,915 1992 71,843,733 8,482,778 -3,621,209 14,775,091 7,954,466 82,469,302 35,760 1,598,812 44,936 1993 72,930,249 8,698,324 -3,790,756 14,644,821 8,269,563 83,355,552 35,613 1,630,643 44,725 1994 75,469,175 9,146,825 -4,037,564 16,137,404 8,542,969 86,965,159 36,653 1,679,412 44,938 1995 78,457,729 9,488,452 -4,300,558 17,521,586 8,899,032 91,089,337 37,892 1,730,280 45,344 1996 82,163,448 9,916,927 -4,727,111 18,666,733 9,139,594 95,325,736 39,156 1,763,941 46,579 1997 86,493,210 10,397,792 -5,229,974 20,305,555 9,161,798 100,332,798 40,736 1,795,425 48,174 1998 93,600,396 11,101,052 -5,709,869 21,974,997 9,335,772 108,100,244 43,334 1,845,332 50,723 1999 99,233,509 11,721,207 -6,263,371 21,823,281 9,604,147 112,676,358 44,563 1,886,503 52,602 2000 105,616,384 12,324,373 -6,926,156 23,040,303 10,107,146 119,513,303 46,666 1,927,725 54,788 2001 106,769,166 12,541,580 -7,352,749 21,807,339 11,005,583 119,687,760 46,261 1,934,887 55,181 2002 107,018,618 12,491,114 -7,350,264 21,081,262 11,785,667 120,044,169 46,203 1,915,791 55,861 2003 108,050,720 12,684,122 -7,412,863 21,310,523 12,077,875 121,342,134 46,562 1,920,881 56,251 2004 111,801,466 13,078,571 -7,642,058 22,409,544 12,227,072 125,717,454 48,043 1,950,726 57,313 2005 111,820,625 13,148,586 -7,870,392 23,782,954 12,296,599 126,881,200 48,296 1,989,585 56,203 2006 112,530,971 13,287,459 -8,122,895 24,985,316 13,097,136 129,203,070 48,851 2,025,436 55,559 ---PAGE BREAK--- FHIC Analysis of Impediments 48 Final Report: 10/27/09 Table C.2 Total Employment and Real Personal Income Anoka County BEA Data 1969 - 2006, 2008 Dollars 1,000s of 2008 Dollars Year Earnings Social Security Contributions Residence Adjustments Dividends, Interest, Rents Transfer Payments Personal Income Per Capita Income Total Employment Average Real Earnings Per Job 1969 1,171,476 79,346 1,199,467 188,021 84,736 2,564,355 18,188 33,838 34,620 1970 1,242,101 82,567 1,078,985 194,676 108,283 2,541,479 16,300 35,574 34,916 1971 1,322,354 91,513 1,014,330 203,141 133,598 2,581,910 16,235 37,306 35,446 1972 1,469,156 107,540 1,001,359 206,177 148,754 2,717,906 16,561 41,805 35,143 1973 1,586,484 133,214 1,073,345 220,611 169,396 2,916,621 17,096 46,275 34,284 1974 1,563,650 137,156 1,127,414 238,097 195,831 2,987,836 17,082 48,591 32,180 1975 1,564,886 135,616 1,074,788 251,865 237,515 2,993,438 16,826 49,593 31,555 1976 1,716,587 151,433 1,163,746 262,409 244,897 3,236,205 17,917 52,585 32,644 1977 1,907,509 168,664 1,266,964 275,758 231,403 3,512,970 19,296 57,081 33,418 1978 2,188,090 202,416 1,338,250 294,962 230,897 3,849,784 20,617 62,738 34,877 1979 2,426,952 234,051 1,465,990 319,275 245,233 4,223,398 22,028 69,191 35,076 1980 2,519,343 242,719 1,523,122 382,779 281,734 4,464,259 22,668 71,250 35,359 1981 2,489,988 256,699 1,524,637 439,129 297,006 4,494,061 22,446 71,162 34,990 1982 2,542,032 265,766 1,491,171 498,670 313,012 4,579,120 22,536 71,292 35,657 1983 2,681,489 286,530 1,530,462 551,743 322,485 4,799,647 23,371 74,117 36,179 1984 2,952,329 322,460 1,676,957 607,117 308,015 5,221,959 24,999 80,808 36,535 1985 3,018,885 334,557 1,822,641 642,781 336,247 5,485,997 25,713 83,765 36,040 1986 3,105,464 350,168 1,937,618 687,360 356,568 5,736,841 26,278 86,853 35,755 1987 3,243,255 364,876 2,049,627 703,193 362,721 5,993,920 26,659 92,616 35,018 1988 3,428,603 402,436 2,101,607 717,373 391,871 6,237,018 26,841 97,741 35,078 1989 3,560,918 420,024 2,158,909 807,549 410,906 6,518,258 27,407 101,414 35,113 1990 3,675,266 438,444 2,172,689 801,171 454,392 6,665,073 27,177 104,479 35,177 1991 3,812,480 462,025 2,127,334 798,763 498,287 6,774,840 26,931 107,472 35,474 1992 4,136,035 495,691 2,189,824 768,708 561,835 7,160,711 27,835 109,571 37,748 1993 4,241,851 514,536 2,354,518 803,041 602,401 7,487,275 28,606 112,016 37,868 1994 4,448,451 548,900 2,449,221 955,063 636,941 7,940,777 29,599 116,186 38,287 1995 4,577,178 565,059 2,556,478 1,033,807 681,775 8,284,180 30,320 120,102 38,111 1996 4,782,333 590,396 2,666,778 1,149,074 724,347 8,732,136 31,381 123,382 38,760 1997 4,966,509 613,461 2,823,007 1,264,914 741,404 9,182,373 32,449 125,877 39,455 1998 5,471,780 663,882 2,934,203 1,402,611 778,804 9,923,515 34,446 130,644 41,883 1999 5,772,720 699,576 3,213,458 1,425,553 824,751 10,536,906 35,889 139,474 41,389 2000 6,223,575 739,959 3,400,261 1,518,777 885,592 11,288,246 37,658 144,501 43,069 2001 6,184,738 743,450 3,494,966 1,426,449 985,847 11,348,551 37,211 149,589 41,345 2002 6,449,385 768,627 3,379,522 1,453,171 1,101,105 11,614,555 37,580 149,633 43,101 2003 6,637,377 797,144 3,356,094 1,439,023 1,158,677 11,794,027 37,774 152,965 43,391 2004 6,826,646 820,492 3,483,260 1,375,844 1,175,843 12,041,100 37,951 157,055 43,467 2005 6,902,415 834,236 3,367,779 1,364,214 1,213,115 12,013,288 37,468 161,903 42,633 2006 6,962,065 842,708 3,299,869 1,393,818 1,294,802 12,107,846 37,375 165,173 42,150 ---PAGE BREAK--- FHIC Analysis of Impediments 49 Final Report: 10/27/09 Table C.3 Total Employment and Real Personal Income Carver County BEA Data 1969 - 2006, 2008 Dollars 1,000s of 2008 Dollars Year Earnings Social Security Contributions Residence Adjustments Dividends, Interest, Rents Transfer Payments Personal Income Per Capita Income Total Employment Average Real Earnings Per Job 1969 228,777 12,292 187,440 61,602 30,462 495,988 18,216 8,262 27,690 1970 240,732 12,927 183,891 65,565 34,240 511,501 17,966 8,479 28,392 1971 248,709 14,292 178,281 68,574 40,032 521,305 17,906 8,819 28,202 1972 280,854 17,401 186,614 71,655 41,121 562,844 18,155 10,134 27,714 1973 323,394 22,352 194,648 79,967 47,058 622,715 19,174 11,088 29,166 1974 341,927 24,559 191,088 86,240 51,593 646,288 19,715 11,590 29,502 1975 320,040 23,887 193,774 86,711 57,267 633,905 18,639 11,742 27,256 1976 324,294 26,200 192,780 87,914 60,177 638,965 18,562 12,327 26,308 1977 384,478 29,167 208,690 93,754 58,531 716,286 20,269 12,996 29,584 1978 410,324 33,600 234,173 98,475 60,289 769,662 21,256 13,836 29,656 1979 431,615 37,541 278,691 118,090 63,265 854,121 23,196 14,640 29,482 1980 425,128 38,220 308,031 131,685 71,902 898,527 24,124 15,375 27,651 1981 438,125 41,671 306,483 147,472 73,993 924,403 24,352 15,860 27,625 1982 415,174 40,611 317,891 169,963 74,065 936,482 24,315 15,540 26,716 1983 411,683 42,068 335,776 178,080 75,210 958,681 24,709 15,820 26,023 1984 480,814 47,527 371,629 187,412 76,673 1,069,001 27,172 16,400 29,318 1985 552,949 55,875 382,167 190,673 79,547 1,149,460 28,588 17,772 31,113 1986 587,873 60,279 408,760 201,064 81,602 1,219,021 29,543 17,955 32,741 1987 651,976 66,606 432,315 206,183 82,037 1,305,905 30,554 19,427 33,560 1988 691,126 75,486 448,720 213,207 84,703 1,362,271 30,466 20,399 33,880 1989 781,494 84,474 449,593 260,145 94,173 1,500,931 32,415 21,904 35,678 1990 872,535 97,002 425,103 266,706 102,149 1,569,491 32,421 24,435 35,708 1991 896,625 103,838 446,724 262,578 108,658 1,610,748 32,054 25,900 34,619 1992 1,027,341 117,992 460,498 260,388 118,143 1,748,379 33,565 28,192 36,441 1993 1,134,892 133,604 468,526 270,841 125,477 1,866,132 34,281 30,810 36,835 1994 1,233,413 147,207 503,901 293,150 133,312 2,016,569 35,418 32,959 37,423 1995 1,330,055 159,428 565,899 320,772 142,110 2,199,408 36,876 35,477 37,491 1996 1,374,163 163,920 651,945 382,051 148,561 2,392,800 38,472 36,117 38,048 1997 1,486,227 176,698 694,691 425,063 151,003 2,580,286 40,355 37,155 40,001 1998 1,515,204 176,971 882,250 482,479 159,862 2,862,824 43,483 39,013 38,838 1999 1,554,770 181,543 1,042,331 490,998 167,483 3,074,039 45,087 39,878 38,988 2000 1,694,780 195,290 1,171,649 523,577 179,958 3,374,673 47,623 41,954 40,396 2001 1,853,923 212,184 1,129,373 559,998 202,701 3,533,811 48,337 43,660 42,463 2002 1,930,078 218,069 1,128,816 560,185 223,740 3,624,751 47,887 45,119 42,778 2003 1,990,163 226,184 1,121,684 560,425 232,412 3,678,500 46,914 46,126 43,146 2004 2,116,497 239,099 1,220,139 542,050 236,285 3,875,872 47,819 47,710 44,362 2005 2,115,752 240,090 1,336,526 656,463 245,383 4,114,034 48,980 49,337 42,884 2006 2,194,867 250,067 1,400,943 686,524 268,288 4,300,556 49,753 51,726 42,433 ---PAGE BREAK--- FHIC Analysis of Impediments 50 Final Report: 10/27/09 Table C.4 Total Employment and Real Personal Income Dakota County BEA Data 1969 - 2006, 2008 Dollars 1,000s of 2008 Dollars Year Earnings Social Security Contributions Residence Adjustments Dividends, Interest, Rents Transfer Payments Personal Income Per Capita Income Total Employment Average Real Earnings Per Job 1969 1,323,560 89,677 1,028,278 300,144 105,591 2,667,896 20,734 36,583 36,180 1970 1,386,668 91,926 960,867 316,158 125,690 2,697,458 19,157 38,088 36,407 1971 1,446,310 99,055 991,451 331,317 143,374 2,813,398 19,510 40,426 35,777 1972 1,536,423 110,898 1,061,143 342,081 158,505 2,987,253 19,859 44,275 34,702 1973 1,730,547 143,080 1,146,285 373,260 190,533 3,297,546 20,746 49,149 35,210 1974 1,828,361 159,062 1,154,694 403,960 213,488 3,441,440 20,740 53,131 34,412 1975 1,905,526 162,523 1,103,988 411,159 254,112 3,512,263 21,044 56,291 33,851 1976 2,015,804 178,181 1,228,450 428,320 271,666 3,766,058 21,427 57,849 34,846 1977 2,262,835 193,999 1,303,063 455,376 257,879 4,085,153 22,710 63,110 35,855 1978 2,451,846 218,770 1,428,275 482,989 266,189 4,410,529 23,901 68,629 35,726 1979 2,619,210 246,092 1,614,619 521,645 275,106 4,784,488 25,105 73,601 35,587 1980 2,588,662 246,206 1,761,365 608,126 311,239 5,023,187 25,688 76,173 33,984 1981 2,582,033 260,032 1,835,490 716,991 331,475 5,205,956 26,014 76,664 33,680 1982 2,612,491 267,254 1,877,694 809,662 354,085 5,386,679 26,301 76,468 34,165 1983 2,703,282 282,858 2,021,824 854,945 366,084 5,663,277 27,276 79,088 34,181 1984 3,151,797 335,353 2,185,342 953,272 363,418 6,318,477 29,526 88,692 35,536 1985 3,376,130 366,925 2,356,390 1,025,850 392,749 6,784,194 30,664 95,754 35,258 1986 3,517,186 388,638 2,541,263 1,051,260 411,971 7,133,042 31,153 100,331 35,056 1987 3,854,085 424,660 2,712,296 1,117,610 423,116 7,682,447 31,841 110,435 34,899 1988 4,310,271 492,687 2,792,489 1,214,487 459,493 8,284,053 32,483 121,207 35,561 1989 4,590,462 523,391 2,923,931 1,415,163 493,521 8,899,687 33,510 127,684 35,952 1990 4,761,826 550,807 3,047,876 1,438,252 539,481 9,236,626 33,241 133,888 35,566 1991 4,848,504 574,774 3,112,943 1,435,288 590,717 9,412,678 32,806 137,606 35,235 1992 5,397,854 637,161 3,189,489 1,465,376 651,183 10,066,740 33,930 143,206 37,693 1993 5,622,675 672,669 3,250,858 1,486,110 693,187 10,380,160 33,938 147,745 38,057 1994 5,923,485 720,816 3,369,266 1,726,284 727,521 11,025,740 35,452 155,510 38,091 1995 6,185,255 754,471 3,457,419 1,938,905 772,243 11,599,351 36,337 163,862 37,747 1996 6,676,856 811,643 3,584,492 2,138,499 809,733 12,397,938 37,781 170,393 39,185 1997 6,950,135 841,228 3,983,916 2,307,532 829,174 13,229,529 39,415 174,971 39,722 1998 7,644,904 909,069 4,259,325 2,609,094 866,185 14,470,439 42,160 181,302 42,167 1999 8,273,876 979,127 4,405,951 2,537,396 910,181 15,148,277 43,217 192,330 43,019 2000 8,744,059 1,025,238 4,638,461 2,680,059 979,159 16,016,501 44,755 199,367 43,859 2001 9,029,678 1,067,714 4,360,186 2,568,185 1,088,821 15,979,156 43,946 205,024 44,042 2002 9,621,720 1,127,468 4,053,991 2,506,370 1,203,624 16,258,237 44,147 211,387 45,517 2003 10,041,005 1,185,826 3,953,711 2,551,164 1,265,920 16,625,973 44,682 218,313 45,994 2004 10,463,616 1,229,019 3,941,805 2,622,901 1,288,415 17,087,718 45,325 224,025 46,707 2005 10,541,373 1,244,337 3,772,499 2,825,287 1,333,045 17,227,866 45,146 229,914 45,849 2006 10,649,543 1,262,459 3,684,913 2,927,797 1,437,067 17,436,861 45,193 235,730 45,177 ---PAGE BREAK--- FHIC Analysis of Impediments 51 Final Report: 10/27/09 Table C.5 Total Employment and Real Personal Income Hennepin County BEA Data 1969 - 2006, 2008 Dollars 1,000s of 2008 Dollars Year Earnings Social Security Contributions Residence Adjustments Dividends, Interest, Rents Transfer Payments Personal Income Per Capita Income Total Employment Average Real Earnings Per Job 1969 20,337,999 1,422,933 -2,142,471 2,915,030 1,515,778 21,203,403 21,908 546,582 37,209 1970 20,606,543 1,417,722 -2,047,082 2,972,012 1,701,795 21,815,546 22,721 549,089 37,529 1971 20,610,736 1,468,834 -2,094,247 3,030,061 1,917,316 21,995,032 22,828 543,645 37,912 1972 21,089,827 1,581,304 -2,223,254 3,055,761 2,017,106 22,358,136 23,554 562,086 37,521 1973 22,422,695 1,937,850 -2,519,143 3,220,729 2,247,694 23,434,126 24,987 593,736 37,765 1974 22,716,566 2,022,014 -2,753,179 3,415,422 2,329,815 23,686,610 25,197 606,330 37,466 1975 21,959,131 1,907,603 -2,709,122 3,387,066 2,514,211 23,243,683 24,902 597,544 36,749 1976 23,037,185 2,052,627 -2,977,799 3,437,968 2,590,906 24,035,632 25,844 612,940 37,585 1977 24,390,917 2,168,989 -3,332,442 3,600,299 2,516,822 25,006,606 26,943 639,964 38,113 1978 25,625,289 2,350,277 -3,570,005 3,785,585 2,508,365 25,998,957 27,963 663,285 38,634 1979 27,600,053 2,637,955 -4,309,049 3,964,258 2,550,487 27,167,793 29,157 704,613 39,171 1980 28,437,197 2,715,088 -4,872,794 4,453,312 2,733,612 28,036,240 29,689 726,794 39,127 1981 28,127,540 2,874,159 -4,852,969 5,116,093 2,856,083 28,372,587 29,752 726,485 38,717 1982 27,991,147 2,914,594 -4,878,458 5,741,192 2,991,056 28,930,342 30,091 713,831 39,213 1983 29,050,401 3,065,615 -5,134,566 5,777,413 3,093,607 29,721,241 30,740 720,189 40,337 1984 31,685,669 3,428,604 -5,633,529 6,286,052 3,145,936 32,055,523 32,950 767,297 41,295 1985 33,552,437 3,685,301 -6,073,818 6,600,428 3,262,953 33,656,698 34,148 796,146 42,144 1986 35,129,516 3,936,078 -6,446,182 6,938,459 3,370,158 35,055,873 35,146 815,034 43,102 1987 37,159,224 4,139,874 -6,954,410 7,059,067 3,428,475 36,552,482 36,346 850,058 43,714 1988 38,715,141 4,453,414 -7,286,897 7,448,762 3,543,028 37,966,620 37,264 872,162 44,390 1989 39,843,180 4,583,265 -7,689,225 8,236,668 3,700,670 39,508,028 38,481 889,872 44,774 1990 40,505,150 4,696,796 -7,932,184 8,625,776 3,838,124 40,340,070 38,972 901,274 44,942 1991 40,529,351 4,778,542 -8,116,296 8,388,099 4,001,392 40,024,004 38,366 893,801 45,345 1992 43,083,301 5,045,938 -8,695,134 8,093,694 4,199,761 41,635,683 39,645 902,511 47,737 1993 43,568,427 5,146,347 -9,123,238 7,962,537 4,326,613 41,587,993 39,248 919,139 47,401 1994 44,996,519 5,397,897 -9,616,301 8,549,151 4,446,207 42,977,678 40,202 941,673 47,784 1995 46,968,610 5,614,969 -10,199,817 9,336,970 4,597,552 45,088,346 41,867 966,633 48,590 1996 49,135,877 5,870,609 -11,016,371 9,882,037 4,680,747 46,811,681 43,194 983,582 49,956 1997 52,198,565 6,205,714 -12,033,880 10,993,262 4,636,349 49,588,582 45,507 996,767 52,368 1998 56,909,094 6,673,654 -13,149,523 11,514,496 4,691,527 53,291,940 48,492 1,023,599 55,597 1999 60,333,519 7,035,583 -14,016,076 11,533,167 4,784,613 55,599,641 50,107 1,038,891 58,075 2000 64,351,906 7,424,439 -15,187,429 12,179,849 4,986,485 58,906,371 52,671 1,057,734 60,839 2001 64,588,310 7,495,443 -15,471,391 11,403,490 5,417,877 58,442,843 51,921 1,046,186 61,737 2002 63,399,507 7,324,335 -14,953,414 10,950,752 5,690,181 57,762,692 51,359 1,022,064 62,031 2003 63,295,013 7,352,747 -14,687,088 11,348,170 5,762,457 58,365,805 51,909 1,014,417 62,395 2004 65,613,742 7,601,826 -15,232,914 11,844,215 5,817,007 60,440,223 53,700 1,027,266 63,872 2005 65,882,439 7,669,531 -15,394,282 12,800,291 5,768,270 61,387,186 54,570 1,045,476 63,017 2006 66,334,405 7,752,433 -15,600,401 13,537,129 6,108,176 62,626,876 55,481 1,063,321 62,384 ---PAGE BREAK--- FHIC Analysis of Impediments 52 Final Report: 10/27/09 Table C.6 Total Employment and Real Personal Income Ramsey County BEA Data 1969 - 2006, 2008 Dollars 1,000s of 2008 Dollars Year Earnings Social Security Contributions Residence Adjustments Dividends, Interest, Rents Transfer Payments Personal Income Per Capita Income Total Employment Average Real Earnings Per Job 1969 10,391,787 749,041 -2,127,769 1,334,360 776,232 9,625,569 20,640 276,349 37,604 1970 10,369,869 735,902 -1,963,782 1,361,303 880,069 9,911,557 20,828 271,521 38,192 1971 10,363,732 758,189 -1,893,721 1,391,182 942,992 10,045,996 21,161 265,988 38,963 1972 10,660,922 816,473 -1,924,594 1,409,061 995,811 10,324,727 22,073 269,015 39,629 1973 11,083,337 980,604 -1,965,104 1,454,473 1,123,134 10,715,237 22,882 278,743 39,762 1974 10,897,828 992,232 -1,891,951 1,512,953 1,192,538 10,719,136 23,122 281,931 38,654 1975 10,466,292 926,580 -1,828,668 1,460,537 1,348,290 10,519,872 22,722 274,852 38,080 1976 11,018,906 992,621 -1,922,392 1,475,918 1,380,945 10,960,756 23,795 280,247 39,319 1977 11,469,695 1,033,463 -2,061,861 1,535,825 1,313,503 11,223,699 24,482 286,653 40,012 1978 12,216,219 1,134,764 -2,368,491 1,606,621 1,300,516 11,620,102 25,484 302,513 40,382 1979 12,469,647 1,201,663 -2,391,750 1,672,141 1,321,151 11,869,525 26,048 314,028 39,709 1980 12,295,849 1,183,245 -2,318,272 1,885,289 1,408,171 12,087,793 26,222 315,451 38,979 1981 12,366,381 1,277,305 -2,472,243 2,166,025 1,477,767 12,260,625 26,386 312,531 39,568 1982 12,321,459 1,301,253 -2,497,738 2,430,719 1,538,584 12,491,771 26,703 306,446 40,208 1983 12,713,922 1,366,953 -2,587,700 2,468,117 1,600,671 12,828,056 27,338 308,835 41,167 1984 13,724,556 1,515,633 -2,826,773 2,709,404 1,624,018 13,715,571 29,190 326,963 41,976 1985 14,269,486 1,599,141 -2,962,957 2,813,300 1,687,648 14,208,336 29,985 333,929 42,732 1986 14,688,109 1,679,659 -3,061,522 2,966,574 1,740,497 14,654,000 30,602 337,165 43,564 1987 15,112,405 1,713,730 -3,080,407 3,001,086 1,748,356 15,067,711 31,352 345,939 43,685 1988 15,379,638 1,815,807 -2,990,970 3,021,337 1,796,384 15,390,582 31,833 352,956 43,574 1989 15,480,821 1,829,907 -2,973,912 3,186,772 1,867,873 15,731,647 32,394 354,128 43,715 1990 15,616,636 1,861,029 -2,926,705 3,459,998 1,919,760 16,208,660 33,315 356,281 43,832 1991 15,601,753 1,888,332 -2,999,766 3,456,865 1,986,338 16,156,858 33,090 355,350 43,905 1992 16,084,266 1,933,156 -3,113,832 3,299,108 2,095,596 16,431,982 33,432 356,107 45,167 1993 16,161,672 1,966,086 -3,242,089 3,206,254 2,172,171 16,331,922 33,175 359,840 44,913 1994 16,520,426 2,043,584 -3,359,716 3,498,184 2,227,416 16,842,727 34,121 366,900 45,027 1995 17,011,768 2,101,003 -3,515,583 3,724,080 2,303,614 17,422,876 35,137 375,292 45,329 1996 17,573,346 2,160,162 -3,532,747 3,904,975 2,356,898 18,142,309 36,406 377,989 46,492 1997 17,970,277 2,206,936 -3,668,480 4,012,046 2,372,712 18,479,619 36,775 383,013 46,918 1998 18,915,985 2,298,888 -3,822,700 4,444,692 2,384,077 19,623,166 38,775 390,128 48,487 1999 19,915,238 2,419,738 -4,301,375 4,281,445 2,433,264 19,908,835 39,101 393,937 50,554 2000 20,979,599 2,509,125 -4,594,688 4,475,462 2,542,670 20,893,919 40,838 398,286 52,675 2001 21,374,117 2,577,165 -4,605,925 4,190,428 2,727,931 21,109,386 41,129 401,445 53,243 2002 21,820,045 2,603,414 -4,772,057 4,039,608 2,917,996 21,402,179 41,866 398,008 54,823 2003 22,119,777 2,649,872 -4,947,640 3,762,119 2,974,281 21,258,664 41,975 397,044 55,711 2004 22,697,197 2,703,913 -5,001,578 4,133,499 3,012,309 22,137,514 44,109 400,767 56,634 2005 22,281,778 2,674,052 -4,902,009 4,301,776 3,004,744 22,012,237 44,168 406,265 54,845 2006 22,260,627 2,687,853 -4,947,106 4,516,344 3,201,042 22,343,055 44,882 411,180 54,138 ---PAGE BREAK--- FHIC Analysis of Impediments 53 Final Report: 10/27/09 Table C.7 Total Employment and Real Personal Income Washington County BEA Data 1969 - 2006, 2008 Dollars 1,000s of 2008 Dollars Year Earnings Social Security Contributions Residence Adjustments Dividends, Interest, Rents Transfer Payments Personal Income Per Capita Income Total Employment Average Real Earnings Per Job 1969 652,153 42,946 620,699 194,642 77,165 1,501,712 19,321 18,953 34,409 1970 690,454 45,198 590,681 196,112 88,357 1,520,406 18,140 19,736 34,985 1971 744,612 51,671 571,410 198,393 100,951 1,563,695 18,093 21,262 35,021 1972 813,009 59,844 593,204 200,693 109,004 1,656,066 18,565 23,027 35,307 1973 904,168 74,819 646,461 203,676 121,823 1,801,309 19,343 25,285 35,759 1974 881,273 76,092 697,437 207,262 136,078 1,845,958 19,077 26,310 33,496 1975 886,224 74,866 707,640 209,525 157,372 1,885,895 18,868 27,406 32,337 1976 1,001,461 86,139 710,131 223,738 164,736 2,013,926 19,619 29,486 33,964 1977 1,071,388 90,935 835,211 241,185 158,550 2,215,400 21,047 31,117 34,431 1978 1,194,789 106,222 960,664 256,964 160,131 2,466,326 22,786 34,063 35,076 1979 1,250,638 116,611 1,089,263 274,357 165,931 2,663,579 23,949 36,133 34,612 1980 1,219,703 114,437 1,187,784 326,250 183,856 2,803,156 24,545 36,572 33,351 1981 1,244,051 125,464 1,235,001 387,735 194,885 2,936,208 25,207 38,320 32,465 1982 1,248,890 127,115 1,273,300 448,562 211,299 3,054,936 25,702 38,283 32,623 1983 1,333,633 138,770 1,324,267 485,045 220,120 3,224,294 26,814 40,821 32,670 1984 1,481,465 156,797 1,472,281 551,222 218,707 3,566,878 29,107 42,907 34,527 1985 1,567,863 169,204 1,576,071 606,302 232,128 3,813,160 30,564 45,079 34,780 1986 1,723,286 190,879 1,611,810 661,789 234,323 4,040,329 31,684 47,560 36,234 1987 1,907,448 211,784 1,652,948 718,171 234,343 4,301,125 32,791 51,691 36,901 1988 2,248,896 253,973 1,555,297 729,963 241,724 4,521,907 32,986 53,311 42,184 1989 2,086,249 241,102 1,772,879 778,116 260,305 4,656,447 32,899 54,815 38,060 1990 2,059,044 241,601 1,876,131 900,340 278,710 4,872,623 33,160 56,536 36,420 1991 2,029,780 243,756 2,042,049 876,496 298,538 5,003,106 32,842 57,844 35,091 1992 2,114,935 252,840 2,347,947 887,817 327,948 5,425,808 34,256 59,225 35,710 1993 2,200,731 265,082 2,500,669 916,038 349,714 5,702,071 34,211 61,093 36,023 1994 2,346,880 288,421 2,616,065 1,115,570 371,573 6,161,668 35,454 66,184 35,460 1995 2,384,863 293,522 2,835,046 1,167,052 401,738 6,495,177 36,273 68,914 34,606 1996 2,620,872 320,197 2,918,792 1,210,097 419,309 6,848,872 37,258 72,478 36,161 1997 2,921,496 353,755 2,970,773 1,302,738 431,157 7,272,409 38,641 77,642 37,628 1998 3,143,429 378,587 3,186,576 1,521,626 455,317 7,928,360 41,220 80,646 38,978 1999 3,383,385 405,642 3,392,340 1,554,722 483,856 8,408,661 42,599 81,993 41,264 2000 3,622,465 430,322 3,645,590 1,662,580 533,282 9,033,594 44,603 85,883 42,179 2001 3,738,400 445,624 3,740,041 1,658,790 582,406 9,274,013 44,873 88,983 42,013 2002 3,797,882 449,201 3,812,878 1,571,175 649,020 9,381,754 44,833 89,580 42,397 2003 3,967,386 472,348 3,790,376 1,649,623 684,128 9,619,165 45,283 92,016 43,116 2004 4,083,769 484,221 3,947,230 1,891,036 697,213 10,135,027 47,354 93,903 43,489 2005 4,096,869 486,341 3,949,096 1,834,922 732,042 10,126,588 46,536 96,690 42,371 2006 4,129,464 491,940 4,038,886 1,923,705 787,762 10,387,877 46,790 98,306 42,006 ---PAGE BREAK--- FHIC Analysis of Impediments 54 Final Report: 10/27/09 Table C.8 Employment by Industry Anoka County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm employment 780 774 784 773 779 742 -4.9 Forestry, fishing, related activities, and other 255 . Mining 63 . Utilities . Construction 13,679 13,662 14,318 15,170 15,535 15,454 13.0 Manufacturing 25,310 23,297 23,050 23,115 23,662 23,739 -6.2 Wholesale trade 5,744 6,253 6,345 6,458 6,253 6,613 15.1 Retail trade 19,686 20,256 20,530 20,916 22,021 21,925 11.4 Transportation and warehousing . Information 1,570 1,452 1,441 1,315 1,490 1,525 -2.9 Finance and insurance 3,994 4,200 4,402 4,519 4,799 4,950 23.9 Real estate and rental and leasing 5,261 5,503 6,052 6,821 7,138 7,797 48.2 Professional and technical services 6,394 6,336 6,694 7,024 7,228 7,303 14.2 Management of companies and enterprises 558 437 588 602 665 709 27.1 Administrative and waste services 7,929 7,555 8,221 8,925 9,114 9,407 18.6 Educational services 1,822 2,068 1,992 2,057 2,139 2,239 22.9 Health care and social assistance 14,249 14,396 14,697 14,919 15,396 15,847 11.2 Arts, entertainment, and recreation 3,183 3,432 3,595 3,648 3,593 3,809 19.7 Accommodation and food services 8,434 8,872 9,164 9,472 9,842 9,898 17.4 Other services, except public administration 9,375 9,734 9,976 9,948 9,902 10,357 10.5 Government and government enterprises 15,341 15,215 15,265 15,527 16,160 16,456 7.3 Total 149,589 149,633 152,965 157,055 161,903 165,173 10.4 ---PAGE BREAK--- FHIC Analysis of Impediments 55 Final Report: 10/27/09 Table C.9 Earnings by Industry Anoka County BEA Data: Select Years 2001-2006 1000s of 2008 dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 2,110 3,120 3,585 6,240 7,603 6,832 223.8 Forestry, fishing, related activities, and other 3,981 . Mining 208 . Utilities . Construction 720,630 763,410 798,945 829,358 816,388 777,578 7.9 Manufacturing 1,811,850 1,842,962 1,882,990 1,943,590 1,956,898 1,947,981 7.5 Wholesale trade 384,417 441,575 449,539 451,042 451,528 525,060 36.6 Retail trade 495,861 517,844 527,092 515,803 513,900 496,994 0.2 Transportation and warehousing . Information 52,835 58,113 48,900 50,160 50,856 52,836 0.0 Finance and insurance 144,692 156,828 159,317 163,076 169,892 174,823 20.8 Real estate and rental and leasing 97,201 113,510 123,593 132,919 121,128 112,814 16.1 Professional and technical services 220,338 230,769 242,874 262,328 268,505 278,417 26.4 Management of companies and enterprises 36,734 30,278 39,077 40,439 46,209 44,377 20.8 Administrative and waste services 180,502 184,060 195,478 206,634 235,524 208,586 15.6 Educational services 38,992 45,773 45,362 45,208 45,435 48,039 23.2 Health care and social assistance 559,017 595,104 619,947 651,448 657,092 687,209 22.9 Arts, entertainment, and recreation 37,038 42,160 43,646 43,557 41,656 44,210 19.4 Accommodation and food services 127,774 135,392 138,494 144,542 148,011 150,445 17.7 Other services, except public administration 216,383 229,824 230,883 230,211 225,843 233,788 8.0 Government and government enterprises 766,959 782,450 817,631 842,926 866,948 887,840 15.8 Total 6,184,738 6,449,385 6,637,377 6,826,646 6,902,415 6,962,065 12.6 ---PAGE BREAK--- FHIC Analysis of Impediments 56 Final Report: 10/27/09 Table C.10 Earnings per Job by Industry Anoka County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 2,705 4,031 4,573 8,072 9,760 9,208 240.4 Forestry, fishing, related activities, and other 15,613 . Mining 3,300 . Utilities . Construction 52,681 55,878 55,800 54,671 52,552 50,316 -4.5 Manufacturing 71,586 79,107 81,692 84,083 82,702 82,058 14.6 Wholesale trade 66,925 70,618 70,849 69,842 72,210 79,398 18.6 Retail trade 25,189 25,565 25,674 24,661 23,337 22,668 -10.0 Transportation and warehousing . Information 33,653 40,023 33,934 38,145 34,132 34,647 3.0 Finance and insurance 36,227 37,340 36,192 36,087 35,402 35,318 -2.5 Real estate and rental and leasing 18,476 20,627 20,422 19,487 16,970 14,469 -21.7 Professional and technical services 34,460 36,422 36,282 37,347 37,148 38,124 10.6 Management of companies and enterprises 65,831 69,287 66,457 67,174 69,487 62,592 -4.9 Administrative and waste services 22,765 24,363 23,778 23,152 25,842 22,173 -2.6 Educational services 21,401 22,134 22,772 21,978 21,241 21,456 0.3 Health care and social assistance 39,232 41,338 42,182 43,666 42,679 43,365 10.5 Arts, entertainment, and recreation 11,636 12,284 12,141 11,940 11,594 11,607 -0.3 Accommodation and food services 15,150 15,261 15,113 15,260 15,039 15,200 0.3 Other services, except public administration 23,081 23,610 23,144 23,141 22,808 22,573 -2.2 Government and government enterprises 49,994 51,426 53,562 54,288 53,648 53,952 7.9 Average 41,345 43,101 43,391 43,467 42,633 42,150 1.9 ---PAGE BREAK--- FHIC Analysis of Impediments 57 Final Report: 10/27/09 Table C.11 Employment by Industry Carver County BEA Data: Select Years 2000-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm employment 1,163 1,165 1,157 1,142 1,153 1,116 -4.0 Forestry, fishing, related activities, and other . Mining 45 41 48 45 . Utilities . Construction 2,851 2,899 3,216 3,548 3,583 3,700 29.8 Manufacturing 9,955 9,535 9,365 9,537 9,759 10,380 4.3 Wholesale trade 1,383 1,416 1,382 1,579 1,514 1,679 21.4 Retail trade 3,986 4,467 4,247 4,187 4,303 4,436 11.3 Transportation and warehousing 792 . Information 668 653 751 722 642 606 -9.3 Finance and insurance 1,848 1,951 1,969 2,057 2,065 2,172 17.5 Real estate and rental and leasing 1,565 1,808 2,008 2,283 2,506 2,744 75.3 Professional and technical services 2,784 2,899 2,926 3,159 3,345 3,382 21.5 Management of companies and enterprises 285 139 122 136 220 248 -13.0 Administrative and waste services 2,131 2,084 2,715 2,750 2,789 2,938 37.9 Educational services 907 1,034 972 865 997 1,173 29.3 Health care and social assistance 3,805 3,856 3,860 3,989 4,172 4,469 17.5 Arts, entertainment, and recreation 1,186 1,294 1,303 1,292 1,412 1,500 26.5 Accommodation and food services 1,786 1,992 2,124 2,212 2,364 2,530 41.7 Other services, except public administration 2,433 2,782 2,845 2,986 3,034 2,932 20.5 Government and government enterprises 4,073 4,315 4,321 4,387 4,531 4,729 16.1 Total 43,660 45,119 46,126 47,710 49,337 51,726 18.5 ---PAGE BREAK--- FHIC Analysis of Impediments 58 Final Report: 10/27/09 Table C.12 Earnings by Industry Carver County BEA Data: Select Years 2001-2006 1000s of 2008 dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 5,279 2,627 6,310 13,988 13,089 6,827 29.3 Forestry, fishing, related activities, and other . Mining 63 . Utilities . Construction 152,267 162,404 173,218 190,682 181,350 179,724 18.0 Manufacturing 657,367 644,045 663,297 712,460 703,791 737,973 12.3 Wholesale trade 117,304 124,000 106,394 124,802 131,226 147,768 26.0 Retail trade 97,222 100,553 100,366 105,362 104,546 106,758 9.8 Transportation and warehousing 16,718 . Information 33,768 33,578 38,746 44,416 27,210 28,256 -16.3 Finance and insurance 60,189 68,604 71,767 68,479 73,071 79,087 31.4 Real estate and rental and leasing 36,306 52,930 66,628 59,031 62,017 71,268 96.3 Professional and technical services 143,264 148,424 140,207 148,934 156,359 152,402 6.4 Management of companies and enterprises 9,852 8,781 8,751 8,965 16,103 17,747 80.1 Administrative and waste services 63,430 64,570 76,309 76,916 68,636 71,868 13.3 Educational services 19,588 22,198 19,487 18,388 21,060 24,840 26.8 Health care and social assistance 148,633 158,688 163,948 179,784 185,875 196,842 32.4 Arts, entertainment, and recreation 17,495 18,929 18,587 19,301 19,229 20,584 17.7 Accommodation and food services 25,847 29,682 31,991 33,655 34,117 36,118 39.7 Other services, except public administration 56,198 66,309 66,903 68,139 64,889 57,523 2.4 Government and government enterprises 184,363 200,920 213,948 220,391 231,845 236,837 28.5 Total 1,853,923 1,930,078 1,990,163 2,116,497 2,115,752 2,194,867 18.4 ---PAGE BREAK--- FHIC Analysis of Impediments 59 Final Report: 10/27/09 Table C.13 Earnings per Job by Industry Carver County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 4,539 2,255 5,453 12,249 11,352 6,117 34.8 Forestry, fishing, related activities, and other . Mining . Utilities . Construction 53,408 56,021 53,861 53,743 50,614 48,574 -9.1 Manufacturing 66,034 67,545 70,827 74,705 72,117 71,096 7.7 Wholesale trade 84,818 87,571 76,985 79,038 86,675 88,009 3.8 Retail trade 24,391 22,510 23,632 25,164 24,296 24,066 -1.3 Transportation and warehousing 21,109 . Information 50,551 51,422 51,592 61,518 42,384 46,627 -7.8 Finance and insurance 32,570 35,163 36,448 33,291 35,385 36,412 11.8 Real estate and rental and leasing 23,199 29,276 33,181 25,857 24,748 25,972 12.0 Professional and technical services 51,460 51,198 47,918 47,146 46,744 45,063 -12.4 Management of companies and enterprises 34,568 63,172 71,729 65,918 73,195 71,560 107.0 Administrative and waste services 29,766 30,983 28,107 27,969 24,609 24,461 -17.8 Educational services 21,597 21,469 20,048 21,258 21,123 21,177 -1.9 Health care and social assistance 39,063 41,154 42,473 45,070 44,553 44,046 12.8 Arts, entertainment, and recreation 14,751 14,628 14,265 14,939 13,618 13,722 -7.0 Accommodation and food services 14,472 14,900 15,062 15,215 14,432 14,276 -1.4 Other services, except public administration 23,098 23,835 23,516 22,820 21,387 19,619 -15.1 Government and government enterprises 45,265 46,563 49,513 50,237 51,169 50,082 10.6 Average 42,463 42,778 43,146 44,362 42,884 42,433 -0.1 ---PAGE BREAK--- FHIC Analysis of Impediments 60 Final Report: 10/27/09 Table C.14 Employment by Industry Dakota County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 00-06 Farm employment 1,280 1,280 1,275 1,259 1,270 1,228 -4.1 Forestry, fishing, related activities, and other 365 371 351 376 399 376 3.0 Mining 227 250 270 249 209 228 0.4 Utilities 434 438 429 432 432 437 0.7 Construction 13,548 14,422 14,811 15,764 16,826 16,802 24.0 Manufacturing 21,485 20,020 20,138 20,359 20,254 20,377 -5.2 Wholesale trade 11,861 11,790 11,340 11,451 12,086 12,240 3.2 Retail trade 27,155 27,846 28,703 27,475 27,730 28,208 3.9 Transportation and warehousing 9,530 9,843 10,645 11,506 11,990 12,493 31.1 Information 9,131 9,008 9,155 9,107 9,285 9,643 5.6 Finance and insurance 11,100 12,349 12,739 13,432 13,653 14,131 27.3 Real estate and rental and leasing 6,788 6,855 7,787 8,906 9,588 10,220 50.6 Professional and technical services 12,484 12,625 13,129 13,933 14,315 15,075 20.8 Management of companies and enterprises 1,663 1,892 2,248 2,317 2,326 2,555 53.6 Administrative and waste services 9,437 9,902 10,853 11,121 11,001 10,905 15.6 Educational services 3,267 3,711 4,011 4,352 5,011 5,383 64.8 Health care and social assistance 15,043 16,109 17,541 18,184 18,703 19,454 29.3 Arts, entertainment, and recreation 4,715 5,010 5,136 5,386 5,564 5,610 19.0 Accommodation and food services 12,847 13,388 13,434 14,073 14,536 15,046 17.1 Other services, except public administration 13,750 14,777 14,692 14,669 14,669 14,905 8.4 Government and government enterprises 18,914 19,501 19,626 19,674 20,067 20,414 7.9 Total 205,024 211,387 218,313 224,025 229,914 235,730 15.0 ---PAGE BREAK--- FHIC Analysis of Impediments 61 Final Report: 10/27/09 Table C.15 Earnings by Industry Dakota County BEA Data: Select Years 2001-2006 1000s of 2008 dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 4,038 8,105 12,604 17,087 17,214 12,599 212.0 Forestry, fishing, related activities, and other 23,706 18,296 20,897 16,872 17,411 18,113 -23.6 Mining 18,976 20,554 20,914 20,610 17,333 18,162 -4.3 Utilities 39,686 43,601 43,681 48,783 48,496 49,684 25.2 Construction 839,456 910,675 930,336 993,125 991,023 958,818 14.2 Manufacturing 1,341,208 1,331,420 1,370,868 1,456,151 1,405,892 1,428,613 6.5 Wholesale trade 838,358 859,610 843,614 834,721 923,821 898,782 7.2 Retail trade 759,598 781,839 792,791 774,187 749,705 769,339 1.3 Transportation and warehousing 442,872 497,118 537,730 603,420 615,539 631,967 42.7 Information 643,210 661,838 691,364 685,031 727,619 720,948 12.1 Finance and insurance 579,770 694,223 752,682 798,448 798,621 835,415 44.1 Real estate and rental and leasing 126,506 144,631 167,404 186,869 189,107 165,080 30.5 Professional and technical services 690,637 740,567 769,806 811,756 809,105 866,448 25.5 Management of companies and enterprises 114,975 132,217 156,339 173,245 181,038 192,413 67.4 Administrative and waste services 253,673 277,194 311,311 335,422 326,819 323,131 27.4 Educational services 69,021 77,962 91,649 98,335 109,464 115,252 67.0 Health care and social assistance 537,515 591,226 646,016 681,036 690,267 690,371 28.4 Arts, entertainment, and recreation 62,423 65,233 64,322 66,050 70,465 73,355 17.5 Accommodation and food services 220,319 233,773 237,174 249,278 249,845 261,556 18.7 Other services, except public administration 403,284 434,652 440,148 438,494 418,907 420,960 4.4 Government and government enterprises 1,020,447 1,096,986 1,139,356 1,174,695 1,183,684 1,198,538 17.5 Total 9,029,678 9,621,720 10,041,005 10,463,616 10,541,373 10,649,543 17.9 ---PAGE BREAK--- FHIC Analysis of Impediments 62 Final Report: 10/27/09 Table C.16 Earnings per Job by Industry Dakota County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01- 06 Farm Earnings 3,154 6,332 9,886 13,572 13,554 10,260 225.3 Forestry, fishing, related activities, and other 64,947 49,315 59,534 44,873 43,636 48,173 -25.8 Mining 83,596 82,217 77,458 82,771 82,931 79,659 -4.7 Utilities 91,443 99,545 101,821 112,924 112,260 113,693 24.3 Construction 61,962 63,145 62,814 63,000 58,898 57,066 -7.9 Manufacturing 62,425 66,504 68,074 71,524 69,413 70,109 12.3 Wholesale trade 70,682 72,910 74,393 72,895 76,437 73,430 3.9 Retail trade 27,973 28,077 27,620 28,178 27,036 27,274 -2.5 Transportation and warehousing 46,471 50,505 50,515 52,444 51,338 50,586 8.9 Information 70,442 73,472 75,518 75,220 78,365 74,764 6.1 Finance and insurance 52,232 56,217 59,085 59,444 58,494 59,119 13.2 Real estate and rental and leasing 18,637 21,099 21,498 20,982 19,723 16,153 -13.3 Professional and technical services 55,322 58,659 58,634 58,261 56,521 57,476 3.9 Management of companies and enterprises 69,137 69,882 69,546 74,771 77,832 75,308 8.9 Administrative and waste services 26,881 27,994 28,684 30,161 29,708 29,631 10.2 Educational services 21,127 21,008 22,849 22,595 21,845 21,410 1.3 Health care and social assistance 35,732 36,702 36,829 37,453 36,907 35,487 -0.7 Arts, entertainment, and recreation 13,239 13,021 12,524 12,263 12,664 13,076 -1.2 Accommodation and food services 17,149 17,461 17,655 17,713 17,188 17,384 1.4 Other services, except public administration 29,330 29,414 29,958 29,893 28,557 28,243 -3.7 Government and government enterprises 53,952 56,253 58,053 59,708 58,987 58,712 8.8 Average 44,042 45,517 45,994 46,707 45,849 45,177 2.6 ---PAGE BREAK--- FHIC Analysis of Impediments 63 Final Report: 10/27/09 Table C.17 Employment by Industry Hennepin County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 00-06 Farm employment 1,017 1,008 1,024 1,009 1,018 967 -4.9 Forestry, fishing, related activities, and other 517 571 515 582 12.6 Mining 571 497 607 550 -3.7 Utilities 4,147 3,777 3,545 3,541 3,450 3,278 -21.0 Construction 41,718 39,787 39,461 40,331 42,189 41,882 0.4 Manufacturing 100,715 94,350 90,268 88,223 89,317 88,872 -11.8 Wholesale trade 59,883 56,985 54,353 54,647 56,123 56,827 -5.1 Retail trade 98,743 95,858 95,492 97,229 98,155 97,121 -1.6 Transportation and warehousing 44,134 37,824 36,708 37,642 38,815 35,980 -18.5 Information 31,443 28,656 26,562 25,424 25,750 25,115 -20.1 Finance and insurance 83,724 83,937 84,987 84,768 85,614 87,278 4.2 Real estate and rental and leasing 33,894 34,369 36,636 39,781 42,220 44,886 32.4 Professional and technical services 97,042 94,478 93,593 94,552 96,382 100,907 4.0 Management of companies and enterprises 37,701 35,253 34,405 37,850 37,477 38,067 1.0 Administrative and waste services 65,737 63,224 60,987 62,225 63,597 67,344 2.4 Educational services 17,329 17,922 18,391 19,104 20,222 22,440 29.5 Health care and social assistance 96,024 100,765 103,504 104,683 106,944 111,198 15.8 Arts, entertainment, and recreation 22,522 23,627 24,237 24,443 24,815 25,599 13.7 Accommodation and food services 59,472 58,816 59,094 61,387 63,223 63,023 6.0 Other services, except public administration 49,642 50,982 50,900 50,625 49,684 50,367 1.5 Government and government enterprises 100,211 99,378 99,176 98,708 99,359 101,038 0.8 Total 1,046,186 1,022,064 1,014,417 1,027,266 1,045,476 1,063,321 1.6 ---PAGE BREAK--- FHIC Analysis of Impediments 64 Final Report: 10/27/09 Table C.18 Earnings by Industry Hennepin County BEA Data: Select Years 2001-2006 1000s of 2008 dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 11,800 10,310 13,774 14,773 15,039 12,495 5.9 Forestry, fishing, related activities, and other 10,844 21,105 22,982 28,083 159.0 Mining 12,256 14,543 24,952 30,503 148.9 Utilities 691,280 571,631 513,990 557,924 535,214 523,896 -24.2 Construction 2,841,423 2,707,683 2,639,322 2,668,663 2,664,150 2,600,743 -8.5 Manufacturing 7,563,632 7,510,122 7,627,194 7,822,986 7,778,261 7,657,109 1.2 Wholesale trade 5,233,359 5,023,316 4,815,820 4,944,930 5,044,104 5,185,459 -0.9 Retail trade 3,434,513 3,363,841 3,288,367 3,358,565 3,243,686 3,112,267 -9.4 Transportation and warehousing 3,145,145 2,782,521 2,695,609 2,832,630 2,716,216 2,161,367 -31.3 Information 2,434,719 2,253,741 2,140,562 2,156,329 2,082,913 2,021,292 -17.0 Finance and insurance 7,989,602 7,952,828 8,345,072 8,788,431 8,754,100 8,869,337 11.0 Real estate and rental and leasing 1,794,253 1,889,982 1,890,805 1,889,270 1,946,920 1,914,758 6.7 Professional and technical services 8,229,670 7,801,885 7,596,043 7,771,497 8,109,476 8,567,919 4.1 Management of companies and enterprises 4,277,767 3,959,815 3,816,835 4,574,528 4,589,663 4,553,116 6.4 Administrative and waste services 2,375,370 2,327,403 2,283,535 2,294,477 2,398,146 2,466,712 3.8 Educational services 448,264 456,343 469,087 494,224 529,054 582,186 29.9 Health care and social assistance 4,601,711 4,952,143 5,130,781 5,310,047 5,355,809 5,698,992 23.8 Arts, entertainment, and recreation 724,288 763,300 803,221 816,018 779,017 895,145 23.6 Accommodation and food services 1,307,692 1,299,899 1,351,930 1,394,044 1,395,112 1,420,380 8.6 Other services, except public administration 1,540,163 1,594,444 1,585,083 1,597,976 1,566,325 1,554,609 0.9 Government and government enterprises 5,920,561 6,142,653 6,245,721 6,281,711 6,331,300 6,478,038 9.4 Total 64,588,310 63,399,507 63,295,013 65,613,742 65,882,439 66,334,405 2.7 ---PAGE BREAK--- FHIC Analysis of Impediments 65 Final Report: 10/27/09 Table C.19 Earnings per Job by Industry Hennepin County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 11,602 10,228 13,451 14,641 14,773 12,922 11.4 Forestry, fishing, related activities, and other 20,974 36,962 44,625 48,252 130.1 Mining 21,464 29,261 41,107 55,460 158.4 Utilities 166,694 151,345 144,990 157,561 155,134 159,822 -4.1 Construction 68,110 68,054 66,884 66,169 63,148 62,097 -8.8 Manufacturing 75,099 79,599 84,495 88,673 87,086 86,159 14.7 Wholesale trade 87,393 88,152 88,603 90,489 89,876 91,250 4.4 Retail trade 34,782 35,092 34,436 34,543 33,047 32,045 -7.9 Transportation and warehousing 71,264 73,565 73,434 75,252 69,979 60,071 -15.7 Information 77,433 78,648 80,587 84,815 80,890 80,481 3.9 Finance and insurance 95,428 94,748 98,192 103,676 102,251 101,622 6.5 Real estate and rental and leasing 52,937 54,991 51,611 47,492 46,114 42,658 -19.4 Professional and technical services 84,805 82,579 81,160 82,193 84,139 84,909 0.1 Management of companies and enterprises 113,466 112,326 110,938 120,859 122,466 119,608 5.4 Administrative and waste services 36,134 36,812 37,443 36,874 37,708 36,629 1.4 Educational services 25,868 25,463 25,506 25,870 26,162 25,944 0.3 Health care and social assistance 47,923 49,145 49,571 50,725 50,081 51,251 6.9 Arts, entertainment, and recreation 32,159 32,306 33,140 33,385 31,393 34,968 8.7 Accommodation and food services 21,988 22,101 22,878 22,709 22,067 22,537 2.5 Other services, except public administration 31,025 31,275 31,141 31,565 31,526 30,866 -0.5 Government and government enterprises 59,081 61,811 62,976 63,639 63,721 64,115 8.5 Average 61,737 62,031 62,395 63,872 63,017 62,384 1.0 ---PAGE BREAK--- FHIC Analysis of Impediments 66 Final Report: 10/27/09 Table C.20 Employment by Industry Ramsey County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 00-06 Farm employment 152 147 156 153 153 141 -7.2 Forestry, fishing, related activities, and other . Mining . Utilities 862 . Construction 16,866 16,185 15,713 16,042 16,814 16,690 -1.0 Manufacturing 37,825 36,034 34,684 33,082 33,120 32,337 -14.5 Wholesale trade 16,133 15,966 17,263 17,917 18,131 18,559 15.0 Retail trade 39,983 38,897 38,185 37,916 38,208 37,918 -5.2 Transportation and warehousing 9,660 . Information 12,768 12,301 10,290 10,185 9,866 9,709 -24.0 Finance and insurance 21,441 21,211 22,660 22,893 23,764 23,665 10.4 Real estate and rental and leasing 9,298 9,683 10,682 11,194 12,183 12,851 38.2 Professional and technical services 23,482 22,785 22,478 23,523 22,508 23,003 -2.0 Management of companies and enterprises 18,985 18,070 16,401 16,828 16,172 17,063 -10.1 Administrative and waste services 22,607 22,256 22,479 23,674 25,095 24,695 9.2 Educational services 14,996 16,310 16,667 17,144 17,310 17,851 19.0 Health care and social assistance 45,813 46,966 48,242 48,961 49,472 52,543 14.7 Arts, entertainment, and recreation 8,471 8,842 8,879 8,951 9,393 9,769 15.3 Accommodation and food services 22,856 22,921 23,157 23,278 23,416 23,488 2.8 Other services, except public administration 20,688 21,002 20,571 20,570 20,635 20,838 0.7 Government and government enterprises 58,243 57,804 58,541 58,305 59,499 59,215 1.7 Total 401,445 398,008 397,044 400,767 406,265 411,180 2.4 ---PAGE BREAK--- FHIC Analysis of Impediments 67 Final Report: 10/27/09 Table C.21 Earnings by Industry Ramsey County BEA Data: Select Years 2001-2006 1000s of 2008 dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 2,973 3,280 3,622 3,189 3,113 2,671 -10.2 Forestry, fishing, related activities, and other . Mining . Utilities 91,395 . Construction 1,139,131 1,100,122 1,036,563 1,049,313 1,040,187 1,013,589 -11.0 Manufacturing 2,900,680 3,027,044 3,233,135 3,361,576 3,019,994 2,996,975 3.3 Wholesale trade 1,273,700 1,292,722 1,530,808 1,651,247 1,695,714 1,707,099 34.0 Retail trade 1,191,750 1,202,203 1,154,444 1,101,013 1,055,128 1,013,637 -14.9 Transportation and warehousing 460,703 . Information 881,980 864,693 750,121 729,713 736,228 680,253 -22.9 Finance and insurance 1,551,106 1,539,879 1,680,402 1,721,072 1,781,798 1,755,679 13.2 Real estate and rental and leasing 329,233 366,026 392,517 375,907 379,031 361,306 9.7 Professional and technical services 1,562,370 1,521,919 1,476,136 1,534,990 1,444,285 1,443,700 -7.6 Management of companies and enterprises 2,185,742 2,171,683 1,985,016 2,177,521 2,138,104 2,076,213 -5.0 Administrative and waste services 664,473 653,354 644,435 638,034 658,109 646,415 -2.7 Educational services 464,674 497,060 518,893 528,034 513,742 528,024 13.6 Health care and social assistance 2,014,232 2,160,179 2,239,425 2,308,275 2,287,000 2,464,692 22.4 Arts, entertainment, and recreation 188,528 214,925 222,118 195,251 186,487 189,038 0.3 Accommodation and food services 429,045 439,524 448,499 447,330 433,816 447,936 4.4 Other services, except public administration 573,835 609,261 593,184 605,086 616,148 608,512 6.0 Government and government enterprises 3,471,088 3,603,781 3,689,833 3,719,457 3,747,301 3,766,679 8.5 Total 21,374,117 21,820,045 22,119,777 22,697,197 22,281,778 22,260,627 4.1 ---PAGE BREAK--- FHIC Analysis of Impediments 68 Final Report: 10/27/09 Table C.22 Earnings per Job by Industry Ramsey County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 19,559 22,314 23,220 20,844 20,348 18,943 -3.1 Forestry, fishing, related activities, and other . Mining . Utilities 106,027 . Construction 67,540 67,972 65,968 65,410 61,864 60,730 -10.1 Manufacturing 76,687 84,005 93,217 101,613 91,183 92,679 20.9 Wholesale trade 78,950 80,967 88,676 92,161 93,526 91,982 16.5 Retail trade 29,806 30,907 30,233 29,038 27,615 26,732 -10.3 Transportation and warehousing 47,692 . Information 69,077 70,295 72,898 71,646 74,623 70,064 1.4 Finance and insurance 72,343 72,598 74,157 75,179 74,979 74,189 2.6 Real estate and rental and leasing 35,409 37,801 36,746 33,581 31,111 28,115 -20.6 Professional and technical services 66,535 66,795 65,670 65,255 64,168 62,761 -5.7 Management of companies and enterprises 115,130 120,182 121,030 129,399 132,210 121,679 5.7 Administrative and waste services 29,392 29,356 28,668 26,951 26,225 26,176 -10.9 Educational services 30,987 30,476 31,133 30,800 29,679 29,580 -4.5 Health care and social assistance 43,966 45,995 46,421 47,145 46,228 46,908 6.7 Arts, entertainment, and recreation 22,256 24,307 25,016 21,813 19,854 19,351 -13.1 Accommodation and food services 18,772 19,176 19,368 19,217 18,526 19,071 1.6 Other services, except public administration 27,738 29,010 28,836 29,416 29,859 29,202 5.3 Government and government enterprises 59,597 62,345 63,030 63,793 62,981 63,610 6.7 Average 53,243 54,823 55,711 56,634 54,845 54,138 1.7 ---PAGE BREAK--- FHIC Analysis of Impediments 69 Final Report: 10/27/09 Table C.23 Employment by Industry Washington County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm employment 912 911 908 898 905 875 -4.1 Forestry, fishing, related activities, and other 302 311 314 321 336 345 14.2 Mining 139 121 138 141 134 124 -10.8 Utilities 229 Construction 5,383 5,322 5,587 6,097 6,462 6,085 13.0 Manufacturing 11,986 11,477 11,783 11,661 11,683 11,084 -7.5 Wholesale trade 2,042 2,182 2,228 2,271 2,492 2,481 21.5 Retail trade 13,614 13,492 13,714 13,587 13,835 14,398 5.8 Transportation and warehousing 1,645 . Information 941 926 950 905 959 965 2.6 Finance and insurance 5,648 5,950 6,222 5,834 5,715 5,563 -1.5 Real estate and rental and leasing 2,661 2,870 3,187 3,639 3,902 4,196 57.7 Professional and technical services 3,951 4,184 4,509 4,983 5,360 5,416 37.1 Management of companies and enterprises 1,558 1,322 919 941 742 788 -49.4 Administrative and waste services 3,326 3,371 3,661 3,737 3,746 4,221 26.9 Educational services 1,178 1,263 1,387 1,606 1,623 1,666 41.4 Health care and social assistance 7,390 7,868 8,167 8,458 8,841 9,138 23.7 Arts, entertainment, and recreation 2,932 3,135 3,282 3,282 3,648 3,818 30.2 Accommodation and food services 7,625 7,540 7,665 7,809 8,162 8,671 13.7 Other services, except public administration 5,630 5,723 5,778 5,748 5,705 5,768 2.5 Government and government enterprises 10,017 10,107 10,055 10,319 10,635 10,830 8.1 Total 88,983 89,580 92,016 93,903 96,690 98,306 10.5 ---PAGE BREAK--- FHIC Analysis of Impediments 70 Final Report: 10/27/09 Table C.24 Earnings by Industry Washington County BEA Data: Select Years 2001-2006 1000s of 2008 dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 19,328 23,531 24,375 24,385 23,119 20,808 7.7 Forestry, fishing, related activities, and other 4,655 4,668 4,674 4,995 4,828 4,535 -2.6 Mining 6,654 6,272 6,893 7,012 4,800 4,078 -38.7 Utilities 28,119 . Construction 298,601 304,776 313,159 343,671 350,958 321,043 7.5 Manufacturing 886,401 875,855 943,881 956,043 935,293 922,965 4.1 Wholesale trade 135,647 143,924 155,535 161,649 167,508 170,848 26.0 Retail trade 357,678 356,998 364,807 369,765 361,414 360,507 0.8 Transportation and warehousing 64,321 . Information 32,266 33,971 32,742 34,960 34,897 35,049 8.6 Finance and insurance 298,537 307,439 347,338 330,128 329,607 320,238 7.3 Real estate and rental and leasing 47,245 57,987 67,197 62,680 77,850 70,831 49.9 Professional and technical services 174,564 180,127 192,453 205,547 230,275 239,579 37.2 Management of companies and enterprises 170,491 149,105 108,070 113,742 97,880 109,529 -35.8 Administrative and waste services 85,611 87,091 95,218 105,484 95,318 103,706 21.1 Educational services 21,911 24,142 26,730 31,968 29,242 30,143 37.6 Health care and social assistance 298,273 332,964 361,427 377,668 384,400 412,414 38.3 Arts, entertainment, and recreation 47,203 51,123 54,401 54,996 60,791 66,897 41.7 Accommodation and food services 122,340 123,077 124,880 127,254 131,390 141,293 15.5 Other services, except public administration 130,297 134,627 132,652 133,415 130,325 133,573 2.5 Government and government enterprises 512,009 524,383 536,667 549,587 559,458 568,988 11.1 Total 3,738,400 3,797,882 3,967,386 4,083,769 4,096,869 4,129,464 10.5 ---PAGE BREAK--- FHIC Analysis of Impediments 71 Final Report: 10/27/09 Table C.25 Earnings per Job by Industry Washington County BEA Data: Select Years 2001-2006, 2008 Dollars NAICS Categories 2001 2002 2003 2004 2005 2006 % Change 01-06 Farm Earnings 21,193 25,830 26,845 27,155 25,545 23,781 12.2 Forestry, fishing, related activities, and other 15,415 15,010 14,887 15,562 14,369 13,144 -14.7 Mining 47,874 51,839 49,947 49,730 35,819 32,890 -31.3 Utilities 122,788 . Construction 55,471 57,267 56,051 56,367 54,311 52,760 -4.9 Manufacturing 73,953 76,314 80,105 81,986 80,056 83,270 12.6 Wholesale trade 66,428 65,960 69,809 71,180 67,218 68,863 3.7 Retail trade 26,273 26,460 26,601 27,215 26,123 25,039 -4.7 Transportation and warehousing 39,101 . Information 34,289 36,685 34,465 38,630 36,389 36,321 5.9 Finance and insurance 52,857 51,670 55,824 56,587 57,674 57,566 8.9 Real estate and rental and leasing 17,755 20,205 21,085 17,224 19,951 16,881 -4.9 Professional and technical services 44,182 43,051 42,682 41,250 42,962 44,235 0.1 Management of companies and enterprises 109,430 112,788 117,596 120,874 131,914 138,997 27.0 Administrative and waste services 25,740 25,835 26,009 28,227 25,445 24,569 -4.5 Educational services 18,600 19,115 19,272 19,905 18,017 18,093 -2.7 Health care and social assistance 40,362 42,319 44,255 44,652 43,479 45,132 11.8 Arts, entertainment, and recreation 16,099 16,307 16,576 16,757 16,664 17,521 8.8 Accommodation and food services 16,045 16,323 16,292 16,296 16,098 16,295 1.6 Other services, except public administration 23,143 23,524 22,958 23,211 22,844 23,158 0.1 Government and government enterprises 51,114 51,883 53,373 53,260 52,605 52,538 2.8 Average 42,013 42,397 43,116 43,489 42,371 42,006 0.0 ---PAGE BREAK--- FHIC Analysis of Impediments 72 Final Report: 10/27/09 Table C.26 Average Number of Employees by Industry Bloomington City Minnesota Department of Employment and Economic Development Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Manufacturing 9,972 9,409 8,665 9,964 8,652 8,709 8,938 8,837 -11.4 Wholesale Trade 7,775 7,897 7,251 7,146 7,188 7,641 8,129 8,255 6.2 Retail Trade 13,152 12,888 11,915 12,338 12,659 13,243 12,896 12,730 -3.2 Transportation and Warehousing . . 1,692 1,872 1,714 1,847 1,983 . . Information 5,280 5,062 4,397 4,097 3,870 3,316 3,269 3,676 -30.4 Finance and Insurance 13,290 12,182 12,206 13,477 13,496 13,462 10,529 9,960 -25.1 Real Estate and Rental and Leasing 1,847 1,971 1,759 2,159 2,310 2,395 2,202 2,842 53.9 Professional and Technical Services 7,436 7,393 6,610 7,099 7,067 7,064 7,769 7,483 0.6 Management of Companies and Enterprises 3,644 2,826 2,522 1,503 2,581 2,705 2,232 2,424 -33.5 Administrative and Waste Services 12,641 10,721 . 8,710 . . . 9,183 -27.4 Educational Services 3,698 3,618 3,455 3,250 3,272 2,948 2,985 3,017 -18.4 Health Care and Social Assistance 4,607 4,766 5,291 5,728 5,532 5,612 5,731 5,536 20.2 Arts, Entertainment, and Recreation 1,282 1,206 1,273 1,289 1,294 1,327 1,386 1,297 1.2 Accommodation and Food Services 9,041 8,469 7,897 8,548 8,889 8,617 7,684 7,928 -12.3 Other Services, Ex. Public Admin 2,960 3,034 3,050 3,028 2,886 2,756 2,672 2,620 -11.5 Public Administration 2,045 1,432 1,627 1,433 1,354 1,486 1,392 1,363 -33.3 Not Classified 4,555 4,334 10,590 2,256 11,057 11,043 11,726 4,036 -11.4 Total 103,225 97,208 90,200 93,897 93,821 94,171 91,523 91,187 -11.7 ---PAGE BREAK--- FHIC Analysis of Impediments 73 Final Report: 10/27/09 Table C.27 Total Wages by Industry Bloomington City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Manufacturing 742,020 613,406 595,835 800,686 666,988 704,207 708,326 683,189 -7.9 Wholesale Trade 657,153 652,560 611,641 607,656 636,614 667,484 702,809 695,787 5.9 Retail Trade 344,930 342,344 326,757 347,918 360,672 353,913 362,053 332,276 -3.7 Transportation and Warehousing . . 91,651 96,831 92,083 92,971 106,086 . . Information 415,888 379,118 319,499 299,088 306,192 246,470 223,738 259,642 -37.6 Finance and Insurance 926,346 923,722 1,002,855 1,144,669 1,148,944 1,174,351 815,284 823,502 -11.1 Real Estate and Rental and Leasing 102,534 98,694 96,154 106,532 129,580 142,610 126,645 165,995 61.9 Professional and Technical Services 605,099 596,038 537,899 611,682 592,184 620,576 701,861 738,560 22.1 Management of Companies and Enterprises 308,959 230,084 216,680 151,046 242,192 255,329 199,259 219,474 -29.0 Administrative and Waste Services 355,337 318,380 . 269,848 . . . 274,390 -22.8 Educational Services 173,520 156,047 144,816 134,034 135,473 126,824 127,355 127,914 -26.3 Health Care and Social Assistance 184,406 195,422 218,899 225,319 222,448 222,036 210,076 205,335 11.3 Arts, Entertainment, and Recreation 25,241 23,270 25,505 25,347 24,380 23,943 26,248 24,625 -2.4 Accommodation and Food Services 177,173 166,399 156,404 167,481 171,860 157,895 146,484 154,309 -12.9 Other Services, Ex. Public Admin 88,890 91,354 93,107 94,645 92,913 90,804 83,108 83,760 -5.8 Public Administration 85,372 73,288 89,639 79,092 78,119 81,188 65,136 71,113 -16.7 Not Classified 248,238 239,043 410,277 142,962 406,657 425,445 423,354 232,631 -6.3 Total 5,441,107 5,099,169 4,937,618 5,304,834 5,307,300 5,386,047 5,027,821 5,092,501 -6.4 ---PAGE BREAK--- FHIC Analysis of Impediments 74 Final Report: 10/27/09 Table C.28 Average Earnings per Job by Industry Bloomington City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Manufacturing 74,410 65,194 68,763 80,358 77,091 80,860 79,249 77,310 3.9 Wholesale Trade 84,521 82,634 84,353 85,034 88,566 87,356 86,457 84,287 -0.3 Retail Trade 26,226 26,563 27,424 28,199 28,491 26,725 28,075 26,102 -0.5 Transportation and Warehousing . . 54,168 51,726 53,724 50,336 53,498 . . Information 78,767 74,895 72,663 73,002 79,119 74,327 68,442 70,632 -10.3 Finance and Insurance 69,703 75,827 82,161 84,935 85,132 87,235 77,432 82,681 18.6 Real Estate and Rental and Leasing 55,514 50,073 54,664 49,343 56,095 59,545 57,514 58,408 5.2 Professional and Technical Services 81,374 80,622 81,377 86,164 83,796 87,850 90,341 98,698 21.3 Management of Companies and Enterprises 84,786 81,417 85,916 100,497 93,837 94,392 89,274 90,542 6.8 Administrative and Waste Services 28,110 29,697 . 30,981 . . . 29,880 6.3 Educational Services 46,923 43,131 41,915 41,241 41,404 43,020 42,665 42,398 -9.6 Health Care and Social Assistance 40,027 41,003 41,372 39,336 40,211 39,564 36,656 37,091 -7.3 Arts, Entertainment, and Recreation 19,689 19,295 20,036 19,664 18,841 18,043 18,938 18,986 -3.6 Accommodation and Food Services 19,597 19,648 19,805 19,593 19,334 18,324 19,064 19,464 -0.7 Other Services, Ex. Public Admin 30,030 30,110 30,527 31,257 32,194 32,948 31,103 31,969 6.5 Public Administration 41,747 51,179 55,095 55,193 57,695 54,636 46,793 52,174 25.0 Not Classified 54,498 55,155 38,742 63,370 36,778 38,526 36,104 57,639 5.8 Total 52,711 52,456 54,741 56,496 56,568 57,194 54,935 55,847 5.9 ---PAGE BREAK--- FHIC Analysis of Impediments 75 Final Report: 10/27/09 Table C.29 Average Number of Employees by Industry Eden Prairie City Minnesota Department of Employment and Economic Development Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Agriculture, Forestry, Fishing & Hunting 12 10 9 11 12 16 18 21 75.0 Construction 1,855 2,071 1,844 1,691 1,626 1,732 1,580 1,564 -15.7 Manufacturing 10,118 9,285 8,975 8,609 8,277 8,578 7,907 8,378 -17.2 Wholesale Trade 4,720 4,498 4,280 4,189 4,271 4,290 4,661 4,899 3.8 Retail Trade 5,051 5,401 5,556 5,377 5,417 5,314 5,429 5,839 15.6 Transportation and Warehousing . . 924 888 807 . . . . Information 1,882 1,746 1,623 1,712 1,989 2,082 2,279 2,378 26.4 Finance and Insurance 2,089 2,686 3,035 3,383 2,916 2,883 3,064 3,565 70.7 Real Estate and Rental and Leasing 1,815 1,726 1,569 1,472 1,482 1,529 1,557 1,550 -14.6 Professional and Technical Services 4,365 4,366 3,864 3,956 4,115 4,361 5,072 5,015 14.9 Management of Companies and Enterprises 6,952 7,543 8,036 4,271 4,274 3,815 4,725 4,862 -30.1 Administrative and Waste Services 2,100 2,452 2,582 2,456 2,875 2,503 2,430 2,402 14.4 Educational Services 2,456 2,383 2,272 2,368 2,411 2,452 2,419 2,605 6.1 Health Care and Social Assistance 1,331 1,360 1,293 1,491 1,825 1,951 1,975 2,093 57.3 Arts, Entertainment, and Recreation 892 820 787 775 784 813 903 1,059 18.7 Accommodation and Food Services 2,089 2,217 2,566 2,538 2,775 2,814 3,050 3,114 49.1 Other Services, Ex. Public Admin 1,291 1,176 1,223 1,293 1,304 1,281 1,241 1,287 -0.3 Public Administration 455 440 437 426 436 441 453 471 3.5 Not Classified 915 893 1 2 3 791 904 1,053 15.1 Total 50,388 51,073 50,876 46,908 47,599 47,646 49,667 52,155 3.5 ---PAGE BREAK--- FHIC Analysis of Impediments 76 Final Report: 10/27/09 Table C.30 Total Wages by Industry Eden Prairie City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Agriculture, Forestry, Fishing & Hunting 188 160 165 172 431 349 434 460 144.7 Construction 132,397 144,182 129,800 112,007 107,770 105,406 105,312 106,687 -19.4 Manufacturing 618,537 586,296 574,338 547,949 580,017 552,641 506,998 558,779 -9.7 Wholesale Trade 358,639 351,079 334,479 334,302 353,153 342,257 391,924 413,850 15.4 Retail Trade 212,038 220,173 207,016 189,180 224,668 195,746 184,400 219,950 3.7 Transportation and Warehousing . . 42,602 42,201 41,810 . . . . Information 122,117 123,304 129,499 152,635 216,329 195,531 191,771 221,247 81.2 Finance and Insurance 125,651 156,559 178,754 198,983 191,607 176,592 192,338 229,990 83.0 Real Estate and Rental and Leasing 103,287 97,028 91,230 83,815 91,156 92,767 99,095 99,580 -3.6 Professional and Technical Services 351,876 324,250 292,587 296,738 310,145 318,596 399,583 403,098 14.6 Management of Companies and Enterprises 719,760 720,269 768,755 356,267 391,624 363,159 409,342 476,923 -33.7 Administrative and Waste Services 73,097 83,916 83,608 83,216 100,283 76,479 72,331 77,090 5.5 Educational Services 118,096 102,425 97,701 99,051 100,212 99,545 99,805 107,023 -9.4 Health Care and Social Assistance 52,156 58,088 59,644 69,381 76,137 78,624 89,315 118,894 128.0 Arts, Entertainment, and Recreation 133,894 110,580 96,466 111,342 109,237 115,409 142,398 150,760 12.6 Accommodation and Food Services 35,908 39,209 49,804 68,141 50,198 51,734 55,871 55,332 54.1 Other Services, Ex. Public Admin 39,893 35,977 36,211 38,956 36,938 35,790 48,723 60,568 51.8 Public Administration 17,566 18,626 18,149 18,471 19,578 18,938 21,046 21,600 23.0 Not Classified 41,503 41,154 0 0 0 42,810 43,805 52,055 25.4 Total 3,256,604 3,213,275 3,190,810 2,802,808 3,001,293 2,862,373 3,054,490 3,373,884 3.6 ---PAGE BREAK--- FHIC Analysis of Impediments 77 Final Report: 10/27/09 Table C.31 Average Earnings per Job by Industry Eden Prairie City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Agriculture, Forestry, Fishing & Hunting 15,654 15,966 18,288 15,657 35,938 21,818 24,083 21,887 39.8 Construction 71,373 69,620 70,391 66,237 66,279 60,858 66,653 68,214 -4.4 Manufacturing 61,132 63,144 63,993 63,648 70,076 64,425 64,120 66,696 9.1 Wholesale Trade 75,983 78,052 78,149 79,805 82,686 79,780 84,086 84,476 11.2 Retail Trade 41,979 40,765 37,260 35,183 41,475 36,836 33,966 37,669 -10.3 Transportation and Warehousing . . 46,106 47,524 51,809 . . . . Information 64,887 70,621 79,790 89,156 108,763 93,915 84,147 93,039 43.4 Finance and Insurance 60,149 58,287 58,898 58,819 65,709 61,253 62,773 64,513 7.3 Real Estate and Rental and Leasing 56,907 56,215 58,145 56,940 61,509 60,672 63,645 64,245 12.9 Professional and Technical Services 80,613 74,267 75,721 75,010 75,369 73,056 78,782 80,378 -0.3 Management of Companies and Enterprises 103,533 95,488 95,664 83,415 91,629 95,192 86,633 98,092 -5.3 Administrative and Waste Services 34,808 34,223 32,381 33,883 34,881 30,555 29,766 32,094 -7.8 Educational Services 48,085 42,982 43,002 41,829 41,565 40,598 41,259 41,084 -14.6 Health Care and Social Assistance 39,185 42,712 46,129 46,533 41,719 40,299 45,223 56,805 45.0 Arts, Entertainment, and Recreation 150,106 134,853 122,574 143,667 139,333 141,955 157,694 142,361 -5.2 Accommodation and Food Services 17,189 17,686 19,409 26,848 18,089 18,385 18,318 17,769 3.4 Other Services, Ex. Public Admin 30,901 30,593 29,609 30,129 28,326 27,939 39,261 47,061 52.3 Public Administration 38,607 42,331 41,532 43,359 44,904 42,943 46,459 45,859 18.8 Not Classified 45,358 46,085 . . . 54,122 48,456 49,435 9.0 Total 64,631 62,915 62,717 59,751 63,054 60,076 61,499 64,690 0.1 ---PAGE BREAK--- FHIC Analysis of Impediments 78 Final Report: 10/27/09 Table C.32 Average Number of Employees by Industry Minneapolis City Minnesota Department of Employment and Economic Development Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Agriculture, Forestry, Fishing & Hunting . . 68 . . . . . . Construction . . 7,342 . . . . . . Manufacturing 22,744 21,314 18,879 17,291 16,546 16,606 16,550 16,385 -28.0 Utilities 4,514 . . . . . . . . Wholesale Trade 12,341 12,019 11,384 10,872 10,785 9,632 9,666 9,728 -21.2 Retail Trade 18,969 18,129 17,052 16,404 16,593 16,649 15,095 14,923 -21.3 Transportation and Warehousing 11,918 . . . . . . . . Information 16,357 15,105 13,761 12,542 11,548 11,494 11,055 10,844 -33.7 Finance and Insurance 29,826 . . . . . . . . Real Estate and Rental and Leasing 4,596 5,217 5,275 5,265 5,928 6,272 6,233 6,263 36.3 Professional and Technical Services 32,358 . . 28,827 . . . . . Management of Companies and Enterprises 13,864 13,833 12,729 13,470 14,201 14,857 15,886 16,215 17.0 Administrative and Waste Services 18,428 . . 14,077 . . . . . Educational Services 25,387 26,338 26,546 25,882 26,719 26,965 28,299 27,822 9.6 Health Care and Social Assistance 39,708 40,916 42,053 42,209 42,156 42,329 44,012 45,997 15.8 Arts, Entertainment, and Recreation 4,606 . . . . . . . . Accommodation and Food Services 21,051 20,685 20,653 20,386 21,522 22,015 22,797 23,540 11.8 Other Services, Ex. Public Admin 11,192 . . . . 10,560 . . . Public Administration 13,272 13,384 13,509 13,260 12,840 12,969 12,673 12,929 -2.6 Not Classified 8,221 119,774 106,420 65,512 106,095 96,716 110,039 107,538 1208.1 Total 309,352 306,714 295,671 285,997 284,933 287,064 292,305 292,184 -5.5 ---PAGE BREAK--- FHIC Analysis of Impediments 79 Final Report: 10/27/09 Table C.33 Total Wages by Industry Minneapolis City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Agriculture, Forestry, Fishing & Hunting . . 2,803 . . . . . . Construction . . 447,753 . . . . . . Manufacturing 1,206,550 1,113,140 1,017,463 941,438 929,916 904,004 896,510 915,117 -24.2 Utilities 368,159 . . . . . . . . Wholesale Trade 789,454 776,092 712,358 687,148 708,047 594,726 585,584 627,250 -20.5 Retail Trade 617,233 578,255 529,309 506,350 568,601 547,085 424,998 424,313 -31.3 Transportation and Warehousing 548,041 . . . . . . . . Information 1,026,491 876,077 807,471 739,075 734,625 705,275 678,857 713,322 -30.5 Finance and Insurance 2,966,375 . . . . . . . . Real Estate and Rental and Leasing 207,259 256,109 271,640 287,240 261,304 368,087 449,375 393,928 90.1 Professional and Technical Services 2,532,967 . . 2,289,312 . . . . . Management of Companies and Enterprises 1,208,680 1,307,387 1,110,541 1,096,866 1,283,694 1,326,900 1,400,298 1,598,948 32.3 Administrative and Waste Services 528,945 . . 436,334 . . . . . Educational Services 1,331,797 1,410,669 1,445,762 1,403,330 1,400,997 1,418,163 1,464,953 1,490,421 11.9 Health Care and Social Assistance 1,741,120 1,844,348 1,936,725 1,978,901 2,020,301 2,021,385 2,210,192 2,289,805 31.5 Arts, Entertainment, and Recreation 221,882 . . . . . . . . Accommodation and Food Services 389,308 387,723 385,313 382,943 407,854 408,234 426,958 443,254 13.9 Other Services, Ex. Public Admin 352,041 . . . . 317,742 . . . Public Administration 689,463 719,914 749,985 758,885 746,685 732,241 732,387 727,812 5.6 Not Classified 495,410 8,149,237 7,125,000 4,543,805 7,374,527 7,047,146 7,650,303 7,690,915 1452.4 Total 17,221,174 17,418,951 16,542,123 16,051,626 16,436,552 16,390,988 16,920,415 17,315,086 0.5 ---PAGE BREAK--- FHIC Analysis of Impediments 80 Final Report: 10/27/09 Table C.34 Average Earnings per Job by Industry Minneapolis City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Agriculture, Forestry, Fishing & Hunting . . 41,225 . . . . . . Construction . . 60,985 . . . . . . Manufacturing 53,049 52,226 53,894 54,447 56,202 54,438 54,170 55,851 5.3 Utilities 81,559 . . . . . . . . Wholesale Trade 63,970 64,572 62,575 63,203 65,651 61,745 60,582 64,479 0.8 Retail Trade 32,539 31,897 31,041 30,867 34,268 32,860 28,155 28,433 -12.6 Transportation and Warehousing 45,984 . . . . . . . . Information 62,755 57,999 58,678 58,928 63,615 61,360 61,407 65,780 4.8 Finance and Insurance 99,456 . . . . . . . . Real Estate and Rental and Leasing 45,095 49,091 51,496 54,557 44,080 58,687 72,096 62,898 39.5 Professional and Technical Services 78,279 . . 79,416 . . . . . Management of Companies and Enterprises 87,181 94,512 87,245 81,430 90,395 89,311 88,147 98,609 13.1 Administrative and Waste Services 28,703 . . 30,996 . . . . . Educational Services 52,460 53,560 54,463 54,220 52,434 52,593 51,767 53,570 2.1 Health Care and Social Assistance 43,848 45,076 46,054 46,883 47,924 47,754 50,218 49,782 13.5 Arts, Entertainment, and Recreation 48,172 . . . . . . . . Accommodation and Food Services 18,494 18,744 18,656 18,785 18,951 18,543 18,729 18,830 1.8 Other Services, Ex. Public Admin 31,455 . . . . . . . . Public Administration 51,949 53,789 55,517 57,231 58,153 56,461 57,791 56,293 8.4 Not Classified 60,261 68,038 66,952 69,358 69,509 72,864 69,524 71,518 18.7 Total 55,669 56,792 55,948 56,125 57,686 57,099 57,886 59,261 6.5 ---PAGE BREAK--- FHIC Analysis of Impediments 81 Final Report: 10/27/09 Table C.35 Average Number of Employees by Industry Minnetonka City Minnesota Department of Employment and Economic Development Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction 1,735 . 1,748 1,550 1,563 . . . . Manufacturing 8,350 7,218 5,911 5,376 5,314 5,171 5,021 5,286 -36.7 Wholesale Trade 2,509 2,496 2,861 2,875 2,990 3,197 3,069 3,210 27.9 Retail Trade 8,133 7,973 7,591 7,269 7,324 7,069 7,346 6,893 -15.2 Transportation and Warehousing 107 . . . . . . . . Information 1,745 1,918 1,843 1,745 1,546 1,651 1,108 1,055 -39.5 Finance and Insurance 4,084 4,676 4,853 4,828 5,055 4,495 4,831 5,175 26.7 Real Estate and Rental and Leasing 914 1,041 1,203 1,194 1,326 1,177 1,203 1,170 28.0 Professional and Technical Services 4,039 3,863 4,116 3,792 3,048 3,156 3,393 4,564 13.0 Management of Companies and Enterprises 6,133 5,836 2,131 3,546 4,996 5,452 3,828 3,216 -47.6 Administrative and Waste Services 2,361 . 1,996 1,863 1,782 1,902 1,883 2,099 -11.1 Educational Services 2,199 2,184 2,110 2,117 2,107 2,071 2,835 2,929 33.2 Health Care and Social Assistance 3,149 3,509 3,696 3,962 4,012 3,740 4,300 4,346 38.0 Arts, Entertainment, and Recreation 451 518 572 601 560 531 526 535 18.6 Accommodation and Food Services 3,632 3,211 3,241 3,155 2,603 2,825 2,642 2,548 -29.8 Other Services, Ex. Public Admin 1,289 1,299 1,187 1,202 1,445 1,498 1,581 1,575 22.2 Public Administration 370 376 381 388 363 371 380 401 8.4 Not Classified 6 4,123 120 109 451 2,107 1,957 1,903 31,616.7 Total 51,206 50,241 45,560 45,572 46,485 46,413 45,903 46,905 -8.4 ---PAGE BREAK--- FHIC Analysis of Impediments 82 Final Report: 10/27/09 Table C.36 Total Wages by Industry Minnetonka City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction 110,298 . 118,473 112,924 115,437 . . . . Manufacturing 498,097 446,784 357,006 326,555 372,553 359,544 341,073 352,485 -29.2 Wholesale Trade 220,336 205,028 244,609 246,717 257,007 264,282 293,338 325,306 47.6 Retail Trade 235,888 230,888 212,039 206,847 211,655 185,514 202,867 185,455 -21.4 Transportation and Warehousing 4,196 . . . . . . . . Information 123,253 127,640 114,725 120,799 117,426 114,658 117,214 73,110 -40.7 Finance and Insurance 348,328 480,864 475,412 525,637 592,304 578,982 613,804 916,740 163.2 Real Estate and Rental and Leasing 50,222 58,544 71,046 71,360 83,838 69,455 75,435 81,527 62.3 Professional and Technical Services 323,628 273,981 298,499 284,855 251,239 273,757 307,071 450,126 39.1 Management of Companies and Enterprises 751,630 663,535 278,767 542,451 781,124 758,631 563,387 750,232 -0.2 Administrative and Waste Services 107,397 0 106,830 108,429 108,882 120,922 113,719 123,128 14.6 Educational Services 88,924 81,940 79,388 80,458 80,034 78,023 116,474 120,848 35.9 Health Care and Social Assistance 122,449 160,110 170,356 197,296 177,957 147,385 157,265 151,822 24.0 Arts, Entertainment, and Recreation 7,480 9,079 9,657 10,271 10,132 9,096 8,876 8,615 15.2 Accommodation and Food Services 68,889 59,686 58,725 59,472 47,689 50,810 47,624 46,928 -31.9 Other Services, Ex. Public Admin 43,705 43,302 42,889 45,542 68,136 74,518 82,518 89,437 104.6 Public Administration 17,636 18,559 18,761 18,771 18,106 18,096 18,333 18,730 6.2 Not Classified 318 240,821 5,738 6,104 33,811 154,609 142,969 125,924 39506.8 Total 3,122,674 3,100,764 2,662,920 2,964,487 3,327,331 3,258,282 3,201,966 3,820,413 22.3 ---PAGE BREAK--- FHIC Analysis of Impediments 83 Final Report: 10/27/09 Table C.37 Average Earnings per Job by Industry Minnetonka City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction 63,573 . 67,776 72,854 73,856 . . . . Manufacturing 59,652 61,899 60,397 60,743 70,108 69,531 67,929 66,683 11.8 Wholesale Trade 87,818 82,143 85,498 85,815 85,956 82,666 95,581 101,341 15.4 Retail Trade 29,004 28,959 27,933 28,456 28,899 26,243 27,616 26,905 -7.2 Transportation and Warehousing 39,218 . . . . . . . . Information 70,632 66,548 62,249 69,226 75,955 69,448 105,789 69,299 -1.9 Finance and Insurance 85,291 102,837 97,962 108,873 117,172 128,806 127,055 177,148 107.7 Real Estate and Rental and Leasing 54,947 56,239 59,057 59,766 63,226 59,010 62,706 69,681 26.8 Professional and Technical Services 80,126 70,924 72,522 75,120 82,427 86,742 90,501 98,625 23.1 Management of Companies and Enterprises 122,555 113,697 130,815 152,976 156,350 139,147 147,175 233,281 90.3 Administrative and Waste Services 45,488 . 53,522 58,201 61,101 63,576 60,393 58,660 29.0 Educational Services 40,438 37,518 37,625 38,006 37,985 37,674 41,084 41,259 2.0 Health Care and Social Assistance 38,885 45,628 46,092 49,797 44,356 39,408 36,573 34,934 -10.2 Arts, Entertainment, and Recreation 16,585 17,528 16,883 17,090 18,092 17,131 16,874 16,103 -2.9 Accommodation and Food Services 18,967 18,588 18,120 18,850 18,321 17,986 18,026 18,418 -2.9 Other Services, Ex. Public Admin 33,906 33,335 36,132 37,889 47,153 49,745 52,194 56,785 67.5 Public Administration 47,665 49,360 49,242 48,378 49,880 48,777 48,244 46,708 -2.0 Not Classified 52,989 58,409 47,817 56,003 74,970 73,379 73,055 66,171 24.9 Total 60,983 61,718 58,449 65,051 71,579 70,202 69,755 81,450 33.6 ---PAGE BREAK--- FHIC Analysis of Impediments 84 Final Report: 10/27/09 Table C.38 Average Number of Employees by Industry Plymouth City Minnesota Department of Employment and Economic Development Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction . . . . 2,081 2,055 1,999 . . Manufacturing 15,041 14,593 14,004 13,577 11,918 12,324 12,114 11,456 -23.8 Wholesale Trade 7,052 6,605 5,882 5,524 5,636 5,736 5,470 5,386 -23.6 Retail Trade 4,120 4,107 4,004 4,019 3,906 4,053 4,059 4,112 -0.2 Transportation and Warehousing 220 367 . . . . . . . Information 1,506 1,396 1,360 1,073 1,048 1,105 1,076 1,377 -8.6 Finance and Insurance 3,941 3,534 3,047 2,867 3,242 3,525 3,740 3,727 -5.4 Real Estate and Rental and Leasing 736 796 808 882 950 971 916 782 6.3 Professional and Technical Services 3,283 3,467 3,383 3,066 3,097 3,378 3,555 4,226 28.7 Management of Companies and Enterprises 1,937 1,392 1,409 1,481 1,613 1,583 1,508 1,595 -17.7 Administrative and Waste Services 4,814 4,458 3,942 3,725 3,378 4,076 4,797 4,878 1.3 Educational Services 1,705 2,385 2,278 2,258 2,265 2,494 2,469 2,375 39.3 Health Care and Social Assistance 2,252 2,209 2,435 2,478 2,262 2,477 2,738 2,665 18.3 Arts, Entertainment, and Recreation 97 93 93 84 107 114 126 154 58.8 Accommodation and Food Services 2,229 2,390 2,551 2,570 2,586 2,805 2,697 2,652 19.0 Other Services, Ex. Public Admin 1,012 1,016 1,007 969 973 1,037 1,022 1,025 1.3 Public Administration 990 1,053 1,089 1,091 1,125 1,273 1,275 1,349 36.3 Not Classified 2,537 2,624 2,726 2,481 832 758 773 2,897 14.2 Total 53,472 52,485 50,018 48,145 47,019 49,764 50,334 50,656 -5.3 ---PAGE BREAK--- FHIC Analysis of Impediments 85 Final Report: 10/27/09 Table C.39 Total Wages by Industry Plymouth City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction . . . . 124,809 117,153 115,473 . . Manufacturing 865,076 855,412 872,555 904,470 738,580 747,765 715,902 703,443 -18.7 Wholesale Trade 452,578 427,390 364,523 355,016 377,638 387,050 377,838 368,701 -18.5 Retail Trade 154,132 148,702 153,306 152,933 148,567 141,544 166,391 162,128 5.2 Transportation and Warehousing 9,257 11,626 . . . . . . . Information 105,518 90,693 88,193 69,440 71,686 84,097 78,339 111,243 5.4 Finance and Insurance 235,031 218,756 207,056 203,010 266,835 292,201 303,273 350,613 49.2 Real Estate and Rental and Leasing 36,241 40,506 40,715 45,172 45,886 47,797 45,456 37,542 3.6 Professional and Technical Services 230,674 246,698 241,142 212,877 212,288 227,737 249,693 303,056 31.4 Management of Companies and Enterprises 127,590 129,050 140,716 133,170 137,528 147,500 145,681 175,197 37.3 Administrative and Waste Services 230,785 214,286 202,761 190,900 180,692 187,033 219,658 235,261 1.9 Educational Services 68,431 92,024 93,322 91,476 91,587 97,896 99,428 99,591 45.5 Health Care and Social Assistance 103,530 100,324 111,020 111,735 113,199 120,958 125,654 108,561 4.9 Arts, Entertainment, and Recreation 3,254 2,541 2,490 1,793 2,219 2,192 2,690 3,210 -1.3 Accommodation and Food Services 33,200 35,794 37,802 37,225 38,212 39,540 38,167 37,743 13.7 Other Services, Ex. Public Admin 41,407 42,629 43,225 41,137 34,658 35,432 36,807 36,585 -11.6 Public Administration 31,237 32,555 35,381 36,951 37,621 38,257 38,895 40,340 29.1 Not Classified 150,822 152,107 153,600 142,300 29,710 24,563 26,769 148,494 -1.5 Total 2,878,760 2,841,092 2,787,807 2,729,606 2,651,716 2,738,714 2,786,115 2,921,705 1.5 ---PAGE BREAK--- FHIC Analysis of Impediments 86 Final Report: 10/27/09 Table C.40 Average Earnings per Job by Industry Plymouth City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction . . . . 59,976 57,009 57,765 . . Manufacturing 57,515 58,618 62,308 66,618 61,972 60,675 59,097 61,404 6.8 Wholesale Trade 64,177 64,707 61,973 64,268 67,005 67,477 69,075 68,455 6.7 Retail Trade 37,411 36,207 38,288 38,052 38,036 34,923 40,993 39,428 5.4 Transportation and Warehousing 42,077 31,677 . . . . . . . Information 70,065 64,966 64,848 64,716 68,403 76,106 72,806 80,787 15.3 Finance and Insurance 59,637 61,900 67,954 70,809 82,306 82,894 81,089 94,074 57.7 Real Estate and Rental and Leasing 49,240 50,887 50,389 51,216 48,301 49,224 49,625 48,007 -2.5 Professional and Technical Services 70,263 71,156 71,281 69,432 68,546 67,418 70,237 71,712 2.1 Management of Companies and Enterprises 65,870 92,708 99,870 89,919 85,263 93,177 96,605 109,841 66.8 Administrative and Waste Services 47,940 48,068 51,436 51,248 53,491 45,886 45,791 48,229 0.6 Educational Services 40,135 38,584 40,967 40,512 40,436 39,253 40,271 41,933 4.5 Health Care and Social Assistance 45,972 45,416 45,593 45,091 50,044 48,833 45,893 40,736 -11.4 Arts, Entertainment, and Recreation 33,545 27,318 26,778 21,341 20,739 19,227 21,345 20,845 -37.9 Accommodation and Food Services 14,894 14,977 14,819 14,485 14,776 14,096 14,152 14,232 -4.4 Other Services, Ex. Public Admin 40,916 41,957 42,924 42,453 35,619 34,168 36,015 35,692 -12.8 Public Administration 31,552 30,916 32,489 33,869 33,441 30,053 30,506 29,904 -5.2 Not Classified 59,449 57,968 56,346 57,356 35,709 32,405 34,630 51,258 -13.8 Total 53,837 54,132 55,736 56,696 56,397 55,034 55,353 57,677 7.1 ---PAGE BREAK--- FHIC Analysis of Impediments 87 Final Report: 10/27/09 Table C.41 Total Wages by Industry St. Paul City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Manufacturing 852,910 760,454 739,601 712,128 669,306 632,660 596,433 632,742 -25.8 Utilities . . . . . . . 58,654 . Wholesale Trade 374,718 356,321 343,085 347,762 353,069 340,263 351,546 336,355 -10.2 Retail Trade 334,091 311,974 306,264 295,185 282,811 272,208 263,266 249,714 -25.3 Transportation and Warehousing . . . . . . . 207,811 . Information 450,284 . . . . . . . . Finance and Insurance 1,075,270 . . . . . . . . Real Estate and Rental and Leasing 94,356 108,935 120,525 127,415 116,740 113,184 121,081 132,930 40.9 Management of Companies and Enterprises . . . 326,350 330,467 344,546 363,896 415,523 . Administrative and Waste Services 301,995 . . . . . . . . Educational Services 640,870 700,495 721,776 729,319 720,533 725,350 737,192 741,811 15.8 Health Care and Social Assistance 1,272,671 1,354,832 1,441,613 1,476,573 1,519,078 1,490,783 1,616,397 1,649,575 29.6 Arts, Entertainment, and Recreation 112,908 . . . . . . . . Accommodation and Food Services 179,775 190,264 194,950 192,860 179,193 175,890 180,758 179,364 -0.2 Other Services, Ex. Public Admin 231,244 . . . . 249,789 247,029 252,612 9.2 Public Administration 1,131,293 1,111,615 1,160,756 1,225,658 1,217,890 1,202,138 1,222,377 1,249,403 10.4 Not Classified 3,039,297 5,251,179 5,071,696 3,302,507 3,312,754 2,986,827 2,984,776 2,772,456 -8.8 Total 10,091,681 10,146,071 10,100,267 8,735,758 8,701,840 8,533,637 8,684,752 8,878,949 -12.0 ---PAGE BREAK--- FHIC Analysis of Impediments 88 Final Report: 10/27/09 Table C.42 Average Earnings per Job by Industry St. Paul City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Manufacturing 55,359 53,614 54,838 58,611 58,814 56,925 57,677 67,220 21.4 Utilities 0 0 0 0 0 0 0 81,577 0.0 Wholesale Trade 54,872 54,971 55,605 55,447 55,963 55,854 56,500 57,077 4.0 Retail Trade 27,142 26,334 27,067 27,312 27,102 25,962 25,458 24,327 -10.4 Transportation and Warehousing 0 0 0 0 0 0 0 47,543 0.0 Information 53,453 0 0 0 0 0 0 0 0.0 Finance and Insurance 73,942 0 0 0 0 0 0 0 0.0 Real Estate and Rental and Leasing 38,047 42,820 43,106 42,191 40,619 38,709 40,645 42,388 11.4 Management of Companies and Enterprises 0 0 0 80,800 83,493 84,282 87,098 89,341 0.0 Administrative and Waste Services 25,341 0 0 0 0 0 0 0 0.0 Educational Services 43,455 45,892 46,369 47,331 47,014 44,711 45,517 47,412 9.1 Health Care and Social Assistance 42,507 43,656 44,359 44,580 45,424 44,373 46,197 45,986 8.2 Arts, Entertainment, and Recreation 30,799 0 0 0 0 0 0 0 0.0 Accommodation and Food Services 16,795 16,639 17,025 16,734 16,222 16,211 16,801 16,818 0.1 Other Services, Ex. Public Admin 30,960 0 0 0 0 33,751 34,054 34,519 11.5 Public Administration 55,570 55,964 59,084 58,207 57,486 56,407 55,832 55,792 0.4 Not Classified 76,703 61,660 62,565 53,162 53,028 53,907 53,698 55,416 -27.8 Total 50,861 51,290 52,065 48,661 48,769 47,543 48,052 49,226 -3.2 ---PAGE BREAK--- FHIC Analysis of Impediments 89 Final Report: 10/27/09 Table C.43 Average Number of Employees by Industry Woodbury City Minnesota Department of Employment and Economic Development Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction 291 . . . . . . . . Manufacturing 1,191 1,193 1,207 1,192 1,152 1,070 1,148 1,176 -1.3 Wholesale Trade 183 170 167 168 196 180 168 121 -33.9 Retail Trade 4,734 4,563 4,091 3,765 3,751 3,663 3,911 3,747 -20.8 Transportation and Warehousing 134 44 46 44 60 58 65 37 -72.4 Information . . . . . 351 352 212 . Finance and Insurance 2,410 2,573 2,823 3,070 3,420 3,221 3,116 3,050 26.6 Real Estate and Rental and Leasing 214 231 260 261 203 208 199 172 -19.6 Professional and Technical Services . 819 745 . 705 605 560 506 . Management of Companies and Enterprises . 54 23 . 133 485 494 . . Administrative and Waste Services 931 999 766 761 732 590 498 . . Educational Services 1,246 1,220 1,198 1,040 896 932 933 932 -25.2 Health Care and Social Assistance 2,728 2,662 2,419 2,281 2,177 1,961 1,720 1,291 -52.7 Arts, Entertainment, and Recreation . . . 693 . . . . . Accommodation and Food Services . . . 2,231 . . . . . Other Services, Ex. Public Admin 782 701 707 783 757 754 859 705 -9.8 Public Administration . . . . . 341 337 295 . Not Classified 5,538 4,632 4,180 1,920 3,793 2,857 2,797 3,835 -30.8 Total 20,382 19,861 18,632 18,209 17,975 17,276 17,157 16,079 -21.1 ---PAGE BREAK--- FHIC Analysis of Impediments 90 Final Report: 10/27/09 Table C.44 Total Wages by Industry Woodbury City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction 17,716 . . . . . . . . Manufacturing 80,176 76,325 73,908 72,837 69,318 54,719 54,595 53,362 -33.4 Wholesale Trade 13,260 11,178 10,293 10,377 11,002 8,867 7,666 5,836 -56.0 Retail Trade 118,913 109,116 97,107 88,537 82,141 72,784 73,309 63,477 -46.6 Transportation and Warehousing 7,891 2,474 2,500 2,468 2,850 2,738 3,322 1,917 -75.7 Information . . . . . 15,220 12,693 5,066 . Finance and Insurance 183,328 185,919 187,504 183,399 190,653 159,025 155,599 132,088 -28.0 Real Estate and Rental and Leasing 8,462 7,673 7,434 7,821 6,105 5,263 4,990 4,192 -50.5 Professional and Technical Services . 67,318 54,452 . 43,535 33,054 30,528 25,421 . Management of Companies and Enterprises . 5,920 2,277 . 4,635 31,636 40,053 . . Administrative and Waste Services 31,076 31,410 24,675 23,288 19,762 15,774 13,607 . . Educational Services 60,201 55,575 49,825 40,953 37,127 34,912 32,737 30,542 -49.3 Health Care and Social Assistance 147,529 136,776 113,466 103,885 94,631 73,777 57,503 38,921 -73.6 Arts, Entertainment, and Recreation . . . 13,855 . . . . . Accommodation and Food Services . . . 31,758 . . . . . Other Services, Ex. Public Admin 18,194 15,729 14,197 16,760 16,054 15,238 16,331 12,960 -28.8 Public Administration . . . . . 11,904 10,277 9,233 . Not Classified 192,361 126,264 111,091 109,002 87,294 49,584 43,921 92,544 -51.9 Total 879,106 831,677 748,729 704,941 665,106 584,495 557,131 475,557 -45.9 ---PAGE BREAK--- FHIC Analysis of Impediments 91 Final Report: 10/27/09 Table C.45 Average Earnings per Job by Industry Woodbury City Minnesota Department of Employment and Economic Development: $1,000's of Real 2008 Dollars Industry 2000 2001 2002 2003 2004 2005 2006 2007 % Change 00 - 07 Construction 60,880 . . . . . . . . Manufacturing 67,318 63,978 61,233 61,105 60,172 51,140 47,557 45,376 -32.6 Wholesale Trade 72,461 65,756 61,636 61,769 56,130 49,260 45,631 48,229 -33.4 Retail Trade 25,119 23,913 23,737 23,516 21,898 19,870 18,744 16,941 -32.6 Transportation and Warehousing 58,885 56,216 54,356 56,101 47,496 47,204 51,104 51,815 -12.0 Information . . . . . 43,363 36,061 23,898 . Finance and Insurance 76,070 72,258 66,420 59,739 55,747 49,371 49,935 43,307 -43.1 Real Estate and Rental and Leasing 39,543 33,216 28,592 29,967 30,075 25,303 25,073 24,372 -38.4 Professional and Technical Services . 82,196 73,089 . 61,752 54,634 54,514 50,239 . Management of Companies and Enterprises . 109,622 99,000 . 34,850 65,228 81,080 . . Administrative and Waste Services 33,379 31,442 32,213 30,602 26,998 26,736 27,323 . . Educational Services 48,315 45,553 41,590 39,377 41,436 37,459 35,088 32,770 -32.2 Health Care and Social Assistance 54,079 51,381 46,906 45,544 43,468 37,622 33,432 30,148 -44.3 Arts, Entertainment, and Recreation . . . 19,993 . . . . . Accommodation and Food Services . . . 14,235 . . . . . Other Services, Ex. Public Admin 23,266 22,438 20,080 21,405 21,207 20,209 19,012 18,382 -21.0 Public Administration . . . . . 34,910 30,495 31,298 . Not Classified 34,735 27,259 26,577 56,772 23,014 17,355 15,703 24,131 -30.5 Total 43,131 41,875 40,185 38,714 37,002 33,833 32,473 29,576 -31.4 ---PAGE BREAK--- FHIC Analysis of Impediments 92 Final Report: 10/27/09 ---PAGE BREAK--- FHIC Analysis of Impediments 93 Final Report: 10/27/09 APPENDIX D. HOME MORTGAGE DISCLOSURE ACT DATA Table D.1 Purpose of Loan by Year Bloomington City HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 2,691 3,151 2,983 1,715 10,540 Home Improvement 481 499 462 466 1,908 Refinancing 5,154 4,704 4,006 3,223 17,087 Total 8,326 8,354 7,451 5,404 29,535 Table D.2 Purpose of Loan by Year Eden Prairie City HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 2,884 3,218 3,140 2,180 11,422 Home Improvement 295 324 341 307 1,267 Refinancing 3,857 3,316 2,836 2,276 12,285 Total 7,036 6,858 6,317 4,763 24,974 Table D.3 Purpose of Loan by Year Minneapolis City HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 17,306 23,160 20,793 13,270 74,529 Home Improvement 2,894 2,835 2,572 2,302 10,603 Refinancing 26,190 24,457 20,115 14,846 85,608 Total 46,390 50,452 43,480 30,418 170,740 Table D.4 Purpose of Loan by Year Minnetonka City HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 1,742 1,790 1,899 1,435 6,866 Home Improvement 260 350 307 281 1,198 Refinancing 3,122 2,803 2,242 1,863 10,030 Total 5,124 4,943 4,448 3,579 18,094 ---PAGE BREAK--- FHIC Analysis of Impediments 94 Final Report: 10/27/09 Table D.5 Purpose of Loan by Year Plymouth City HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 2,757 2,970 2,580 1,982 10,289 Home Improvement 360 381 397 386 1,524 Refinancing 4,037 3,340 2,727 2,352 12,456 Total 7,154 6,691 5,704 4,720 24,269 Table D.6 Purpose of Loan by Year St. Paul City HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 11,303 14,363 13,004 7,349 46,019 Home Improvement 2,372 2,404 2,280 1,784 8,840 Refinancing 19,026 18,520 15,162 10,997 63,705 Total 32,701 35,287 30,446 20,130 118,564 Table D.7 Purpose of Loan by Year Woodbury City HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 3,254 4,291 4,107 2,889 14,541 Home Improvement 401 436 458 377 1,672 Refinancing 3,734 3,714 3,033 2,509 12,990 Total 7,389 8,441 7,598 5,775 29,203 Table D.8 Purpose of Loan by Year Anoka County HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 16,361 19,669 15,575 9,174 60,779 Home Improvement 3,151 3,105 2,971 2,533 11,760 Refinancing 28,137 28,425 24,281 18,407 99,250 Total 47,649 51,199 42,827 30,114 171,789 Table D.9 Purpose of Loan by Year Carver County HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 4,577 5,281 4,803 3,255 17,916 Home Improvement 537 577 558 504 2,176 Refinancing 6,216 5,943 5,362 4,356 21,877 Total 11,330 11,801 10,723 8,115 41,969 ---PAGE BREAK--- FHIC Analysis of Impediments 95 Final Report: 10/27/09 Table D.10 Purpose of Loan by Year Dakota County HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 20,089 21,996 18,796 12,711 73,592 Home Improvement 3,020 3,073 2,991 2,548 11,632 Refinancing 28,703 28,603 23,913 18,819 100,038 Total 51,812 53,672 45,700 34,078 185,262 Table D.11 Purpose of Loan by Year Hennepin County HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 23,070 27,664 24,962 15,963 91,659 Home Improvement 3,889 4,021 3,894 3,608 15,412 Refinancing 38,022 36,132 31,260 23,897 129,311 Total 64,981 67,817 60,116 43,468 236,382 Table D.12 Purpose of Loan by Year Ramsey County HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 6,884 8,320 7,660 5,108 27,972 Home Improvement 1,631 1,589 1,613 1,324 6,157 Refinancing 12,771 12,582 10,158 7,945 43,456 Total 21,286 22,491 19,431 14,377 77,585 Table D.13 Purpose of Loan by Year Washington County HMDA Data 2004 - 2007 Purpose 2004 2005 2006 2007 Total Home Purchase 7,477 9,124 8,463 5,076 30,140 Home Improvement 1,513 1,528 1,489 1,307 5,837 Refinancing 13,432 13,441 11,233 8,867 46,973 Total 22,422 24,093 21,185 15,250 82,950 Table D.14 Owner Occupancy Status for Home Purchase Loan Application Bloomington City HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 2,478 2,847 2,669 1,543 9,537 Not Owner-Occupied 199 296 309 167 971 Not Applicable 14 8 5 5 32 Total 2,691 3,151 2,983 1,715 10,540 ---PAGE BREAK--- FHIC Analysis of Impediments 96 Final Report: 10/27/09 Table D.15 Owner Occupancy Status for Home Purchase Loan Application Eden Prairie City HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 2,750 3,021 2,850 2,092 10,713 Not Owner-Occupied 124 192 284 87 687 Not Applicable 10 5 6 1 22 Total 2,884 3,218 3,140 2,180 11,422 Table D.16 Owner Occupancy Status for Home Purchase Loan Application Minneapolis City HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 14,128 18,632 16,991 10,833 60,584 Not Owner-Occupied 2,917 4,305 3,700 2,337 13,259 Not Applicable 261 223 102 100 686 Total 17,306 23,160 20,793 13,270 74,529 Table D.17 Owner Occupancy Status for Home Purchase Loan Application Minnetonka City HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 1,660 1,661 1,732 1,289 6,342 Not Owner-Occupied 77 126 162 144 509 Not Applicable 5 3 5 2 15 Total 1,742 1,790 1,899 1,435 6,866 Table D.18 Owner Occupancy Status for Home Purchase Loan Application Plymouth City HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 2,560 2,800 2,374 1,856 9,590 Not Owner-Occupied 182 164 197 125 668 Not Applicable 15 6 9 1 31 Total 2,757 2,970 2,580 1,982 10,289 ---PAGE BREAK--- FHIC Analysis of Impediments 97 Final Report: 10/27/09 Table D.19 Owner Occupancy Status for Home Purchase Loan Application St. Paul City HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 9,161 11,578 10,593 5,994 37,326 Not Owner-Occupied 1,983 2,686 2,341 1,296 8,306 Not Applicable 159 99 70 59 387 Total 11,303 14,363 13,004 7,349 46,019 Table D.20 Owner Occupancy Status for Home Purchase Loan Application Woodbury City HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 3,101 3,993 3,732 2,637 13,463 Not Owner-Occupied 145 282 369 249 1,045 Not Applicable 8 16 6 3 33 Total 3,254 4,291 4,107 2,889 14,541 Table D.21 Owner Occupancy Status for Home Purchase Loan Application Anoka County HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 15,174 18,022 14,012 8,274 55,482 Not Owner-Occupied 1,088 1,560 1,538 879 5,065 Not Applicable 99 87 25 21 232 Total 16,361 19,669 15,575 9,174 60,779 Table D.22 Owner Occupancy Status for Home Purchase Loan Application Carver County HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 4,320 4,924 4,435 3,015 16,694 Not Owner-Occupied 242 339 357 239 1,177 Not Applicable 15 18 11 1 45 Total 4,577 5,281 4,803 3,255 17,916 ---PAGE BREAK--- FHIC Analysis of Impediments 98 Final Report: 10/27/09 Table D.23 Owner Occupancy Status for Home Purchase Loan Application Dakota County HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 18,712 20,258 17,277 11,618 67,865 Not Owner-Occupied 1,233 1,659 1,499 1,077 5,468 Not Applicable 144 79 20 16 259 Total 20,089 21,996 18,796 12,711 73,592 Table D.24 Owner Occupancy Status for Home Purchase Loan Application Hennepin County HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 21,032 24,959 22,639 14,625 83,255 Not Owner-Occupied 1,868 2,595 2,259 1,313 8,035 Not Applicable 170 110 64 25 369 Total 23,070 27,664 24,962 15,963 91,659 Table D.25 Owner Occupancy Status for Home Purchase Loan Application Ramsey County HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 6,329 7,569 6,991 4,722 25,611 Not Owner-Occupied 513 715 651 375 2,254 Not Applicable 42 36 18 11 107 Total 6,884 8,320 7,660 5,108 27,972 Table D.26 Owner Occupancy Status for Home Purchase Loan Application Washington County HMDA Data 2004 - 2007 Status 2004 2005 2006 2007 Total Owner-Occupied 6,968 8,410 7,419 4,579 27,376 Not Owner-Occupied 466 691 1,030 494 2,681 Not Applicable 43 23 14 3 83 Total 7,477 9,124 8,463 5,076 30,140 ---PAGE BREAK--- FHIC Analysis of Impediments 99 Final Report: 10/27/09 Table D.27 Owner-Occupied Home Purchase Loan Applications by Loan Type Bloomington City HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 2,317 2,727 2,581 1,475 9,100 FHA - Insured 138 108 73 50 369 VA - Guaranteed 23 12 15 18 68 Total 2,478 2,847 2,669 1,543 9,537 Table D.28 Owner-Occupied Home Purchase Loan Applications by Loan Type Eden Prairie City HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 2,631 2,960 2,790 2,049 10,430 FHA - Insured 107 53 47 36 243 VA - Guaranteed 12 8 13 7 40 Total 2,750 3,021 2,850 2,092 10,713 Table D.29 Owner-Occupied Home Purchase Loan Applications by Loan Type Minneapolis City HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 13,323 17,997 16,505 10,419 58,244 FHA - Insured 742 583 448 363 2,136 VA - Guaranteed 63 49 38 51 201 Rural Housing Service or Farm Service Agency 0 3 0 0 3 Total 14,128 18,632 16,991 10,833 60,584 Table D.30 Owner-Occupied Home Purchase Loan Applications by Loan Type Plymouth City HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 2,465 2,725 2,320 1,813 9,323 FHA - Insured 86 58 48 33 225 VA - Guaranteed 9 17 6 10 42 Total 2,560 2,800 2,374 1,856 9,590 ---PAGE BREAK--- FHIC Analysis of Impediments 100 Final Report: 10/27/09 Table D.31 Owner-Occupied Home Purchase Loan Applications by Loan Type St. Paul City HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 8,514 11,125 10,224 5,670 35,533 FHA - Insured 594 410 323 279 1,606 VA - Guaranteed 52 43 45 44 184 Rural Housing Service or Farm Service Agency 1 0 1 1 3 Total 9,161 11,578 10,593 5,994 37,326 Table D.32 Owner-Occupied Home Purchase Loan Applications by Loan Type Woodbury City HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 2,963 3,840 3,574 2,528 12,905 FHA - Insured 127 125 141 75 468 VA - Guaranteed 11 28 17 34 90 Total 3,101 3,993 3,732 2,637 13,463 Table D.33 Owner-Occupied Home Purchase Loan Applications by Loan Type Anoka County HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 13,988 17,194 13,371 7,754 52,307 FHA - Insured 1,045 706 517 395 2,663 VA - Guaranteed 141 121 123 123 508 Rural Housing Service or Farm Service Agency 0 1 1 2 4 Total 15,174 18,022 14,012 8,274 55,482 Table D.34 Owner-Occupied Home Purchase Loan Applications by Loan Type Carver County HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 4,074 4,707 4,268 2,882 15,931 FHA - Insured 207 168 124 87 586 VA - Guaranteed 32 33 22 29 116 Rural Housing Service or Farm Service Agency 7 16 21 17 61 Total 4,320 4,924 4,435 3,015 16,694 ---PAGE BREAK--- FHIC Analysis of Impediments 101 Final Report: 10/27/09 Table D.35 Owner-Occupied Home Purchase Loan Applications by Loan Type Dakota County HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 17,072 19,111 16,175 10,651 63,009 FHA - Insured 1,470 978 898 759 4,105 VA - Guaranteed 168 166 203 208 745 Rural Housing Service or Farm Service Agency 2 3 1 0 6 Total 18,712 20,258 17,277 11,618 67,865 Table D.36 Owner-Occupied Home Purchase Loan Applications by Loan Type Hennepin County HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 19,661 24,123 21,987 13,970 79,741 FHA - Insured 1,255 731 560 527 3,073 VA - Guaranteed 116 104 91 126 437 Rural Housing Service or Farm Service Agency 0 1 1 2 4 Total 21,032 24,959 22,639 14,625 83,255 Table D.37 Owner-Occupied Home Purchase Loan Applications by Loan Type Ramsey County HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 5,957 7,293 6,775 4,497 24,522 FHA - Insured 311 233 175 167 886 VA - Guaranteed 61 43 41 58 203 Total 6,329 7,569 6,991 4,722 25,611 Table D.38 Owner-Occupied Home Purchase Loan Applications by Loan Type Washington County HMDA Data 2004 - 2007 Loan Type 2004 2005 2006 2007 Total Conventional 6,536 8,012 6,930 4,251 25,729 FHA - Insured 370 355 437 268 1,430 VA - Guaranteed 62 43 50 60 215 Rural Housing Service or Farm Service Agency 0 0 2 0 2 Total 6,968 8,410 7,419 4,579 27,376 ---PAGE BREAK--- FHIC Analysis of Impediments 102 Final Report: 10/27/09 Table D.39 Owner-Occupied Home Purchase Loan Applications by Action Taken Bloomington City HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 1,341 1,443 1,347 834 4,965 Application Approved but not Accepted 190 169 141 67 567 Application Denied 195 288 252 146 881 Application Withdrawn by Applicant 131 217 146 73 567 File Closed for Incompleteness 32 47 36 20 135 Loan Purchased by the Institution 589 682 746 403 2,420 Preapproval Request Denied 0 1 0 0 1 Preapproval Request Approved but not Accepted 0 0 1 0 1 Total 2,478 2,847 2,669 1,543 9,537 Denial Rate 12.7% 16.6% 15.8% 14.9% 15.1% Table D.40 Owner-Occupied Home Purchase Loan Applications by Action Taken Eden Prairie City HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 1,609 1,690 1,520 1,086 5,905 Application Approved But Not Accepted 144 148 178 103 573 Application Denied 133 162 180 125 600 Application Withdrawn By Applicant 181 196 169 128 674 File Closed for Incompleteness 18 51 16 29 114 Loan Purchased by the Institution 665 773 787 621 2,846 Preapproval Request Denied 0 1 0 0 1 Total 2,750 3,021 2,850 2,092 10,713 Denial Rate 7.6% 8.7% 10.6% 10.3% 9.2% Table D.41 Owner-Occupied Home Purchase Loan Applications by Action Taken Minneapolis City HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 7,304 8,934 7,714 5,213 29,165 Application Approved but not Accepted 1,029 1,273 1,325 645 4,272 Application Denied 1,486 2,362 2,557 1,377 7,782 Application Withdrawn by Applicant 901 1,537 1,181 637 4,256 File Closed for Incompleteness 198 347 322 219 1,086 Loan Purchased by the Institution 3,210 4,138 3,890 2,742 13,980 Preapproval Request Denied 0 41 1 0 42 Preapproval Request Approved but not Accepted 0 0 1 0 1 Total 14,128 18,632 16,991 10,833 60,584 Denial Rate 16.9% 20.9% 24.9% 20.9% 21.1% ---PAGE BREAK--- FHIC Analysis of Impediments 103 Final Report: 10/27/09 Table D.42 Owner-Occupied Home Purchase Loan Applications by Action Taken Minnetonka City HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 980 929 934 649 3,492 Application Approved But Not Accepted 59 107 102 88 356 Application Denied 82 93 156 144 475 Application Withdrawn By Applicant 105 99 73 68 345 File Closed for Incompleteness 27 32 23 17 99 Loan Purchased by the Institution 407 399 444 323 1,573 Preapproval Request Denied 0 2 0 0 2 Total 1,660 1,661 1,732 1,289 6,342 Denial Rate 7.7% 9.1% 14.3% 18.2% 12.0% Table D.43 Owner-Occupied Home Purchase Loan Applications by Action Taken Plymouth City HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 1,517 1,556 1,281 954 5,308 Application Approved But Not Accepted 120 119 112 96 447 Application Denied 131 196 155 102 584 Application Withdrawn By Applicant 116 175 124 78 493 File Closed for Incompleteness 29 40 33 24 126 Loan Purchased by the Institution 647 713 669 601 2,630 Preapproval Request Denied 0 1 0 1 2 Total 2,560 2,800 2,374 1,856 9,590 Denial Rate 7.9% 11.2% 10.8% 9.7% 9.9% Table D.44 Owner-Occupied Home Purchase Loan Applications by Action Taken St. Paul City HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 4,762 5,519 4,795 2,802 17,878 Application Approved but not Accepted 597 771 850 323 2,541 Application Denied 948 1,448 1,416 893 4,705 Application Withdrawn by Applicant 592 869 729 309 2,499 File Closed for Incompleteness 116 222 213 117 668 Loan Purchased by the Institution 2,146 2,726 2,584 1,548 9,004 Preapproval Request Denied 0 23 4 2 29 Preapproval Request Approved but not Accepted 0 0 2 0 2 Total 9,161 11,578 10,593 5,994 37,326 Denial Rate 16.6% 20.8% 22.8% 24.2% 20.8% ---PAGE BREAK--- FHIC Analysis of Impediments 104 Final Report: 10/27/09 Table D.45 Owner Occupied Home Purchase Loan Applications by Action Taken Woodbury City HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 1,903 2,184 1,861 1,285 7,233 Application Approved but not Accepted 180 244 259 128 811 Application Denied 167 271 239 205 882 Application Withdrawn by Applicant 165 258 241 144 808 File Closed for Incompleteness 29 61 42 33 165 Loan Purchased by the Institution 657 971 1,090 842 3,560 Preapproval Request Denied 0 3 0 0 3 Preapproval Request Approved but not Accepted 0 1 0 0 1 Total 3,101 3,993 3,732 2,637 13,463 Denial Rate 8.1% 11.0% 11.4% 13.8% 10.9% Table D.46 Owner-Occupied Home Purchase Loan Applications by Action Taken Anoka County HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 8,364 8,940 6,782 4,097 28,183 Application Approved but not Accepted 840 1,130 980 501 3,451 Application Denied 1,374 1,824 1,604 1,057 5,859 Application Withdrawn by Applicant 766 1,383 734 389 3,272 File Closed for Incompleteness 181 341 207 124 853 Loan Purchased by the Institution 3,649 4,374 3,701 2,103 13,827 Preapproval Request Denied 0 30 3 3 36 Preapproval Request Approved but not Accepted 0 0 1 0 1 Total 15,174 18,022 14,012 8,274 55,482 Denial Rate 14.1% 16.9% 19.1% 20.5% 17.2% Table D.47 Owner-Occupied Home Purchase Loan Applications by Action Taken Carver County HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 2,520 2,689 2,319 1,494 9,022 Application Approved But Not Accepted 218 260 217 171 866 Application Denied 254 311 343 246 1,154 Application Withdrawn By Applicant 230 271 280 165 946 File Closed for Incompleteness 50 74 62 31 217 Loan Purchased by the Institution 1,048 1,317 1,213 908 4,486 Preapproval Request Denied 0 2 1 0 3 Total 4,320 4,924 4,435 3,015 16,694 Denial Rate 9.2% 10.4% 12.9% 14.1% 11.3% ---PAGE BREAK--- FHIC Analysis of Impediments 105 Final Report: 10/27/09 Table D.48 Owner-Occupied Home Purchase Loan Applications by Action Taken Dakota County HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 10,906 10,713 8,803 5,848 36,270 Application Approved But Not Accepted 963 1,163 990 586 3,702 Application Denied 1,224 1,694 1,470 911 5,299 Application Withdrawn By Applicant 934 1,141 895 471 3,441 File Closed for Incompleteness 201 329 249 116 895 Loan Purchased by the Institution 4,484 5,192 4,870 3,686 18,232 Preapproval Request Denied 0 25 0 0 25 Preapproval Request Approved but not Accepted 0 1 0 0 1 Total 18,712 20,258 17,277 11,618 67,865 Denial Rate 10.1% 13.7% 14.3% 13.5% 12.7% Table D.49 Owner-Occupied Home Purchase Loan Applications by Action Taken Hennepin County HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 11,634 12,674 10,966 7,136 42,410 Application Approved but not Accepted 1,223 1,462 1,544 864 5,093 Application Denied 1,649 2,402 2,584 1,674 8,309 Application Withdrawn by Applicant 1,217 1,687 1,360 790 5,054 File Closed for Incompleteness 285 557 417 248 1,507 Loan Purchased by the Institution 5,024 6,135 5,767 3,913 20,839 Preapproval Request Denied 0 42 0 0 42 Preapproval Request Approved but not Accepted 0 0 1 0 1 Total 21,032 24,959 22,639 14,625 83,255 Denial Rate 12.4% 15.9% 19.1% 19.0% 16.4% Table D.50 Owner-Occupied Home Purchase Loan Applications by Action Taken Ramsey County HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 3,646 3,899 3,524 2,450 13,519 Application Approved but not Accepted 330 490 479 271 1,570 Application Denied 466 747 684 470 2,367 Application Withdrawn by Applicant 335 561 413 274 1,583 File Closed for Incompleteness 87 135 108 58 388 Loan Purchased by the Institution 1,465 1,724 1,780 1,195 6,164 Preapproval Request Denied 0 12 0 4 16 Preapproval Request Approved but not Accepted 0 1 3 0 4 Total 6,329 7,569 6,991 4,722 25,611 Denial Rate 11.3% 16.1% 16.3% 16.1% 14.9% ---PAGE BREAK--- FHIC Analysis of Impediments 106 Final Report: 10/27/09 Table D.51 Owner-Occupied Home Purchase Loan Applications by Action Taken Washington County HMDA Data 2004 - 2007 Action 2004 2005 2006 2007 Total Loan Originated 3,993 4,387 3,663 2,306 14,349 Application Approved but not Accepted 368 569 516 317 1,770 Application Denied 482 729 637 391 2,239 Application Withdrawn by Applicant 409 472 506 282 1,669 File Closed for Incompleteness 87 146 132 55 420 Loan Purchased by the Institution 1,629 2,097 1,964 1,227 6,917 Preapproval Request Denied 0 10 0 1 11 Preapproval Request Approved but not Accepted 0 0 1 0 1 Total 6,968 8,410 7,419 4,579 27,376 Denial Rate 10.8% 14.2% 14.8% 14.5% 13.5% Table D.52 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Bloomington City HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 34 42 36 20 132 Employment History 3 11 3 1 18 Credit History 41 46 35 37 159 Collateral 7 8 13 10 38 Insufficient Cash 1 2 2 2 7 Unverifiable Information 5 17 21 10 53 Credit Application Incomplete 18 32 29 20 99 Other 57 68 46 20 191 Missing 29 62 67 26 184 Total 195 288 252 146 881 Table D.53 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Eden Prairie HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 16 24 17 24 81 Employment History 3 1 2 4 10 Credit History 15 31 31 20 97 Collateral 17 7 7 9 40 Insufficient Cash 1 4 5 6 16 Unverifiable Information 3 6 14 9 32 Credit Application Incomplete 18 22 27 15 82 Mortgage Insurance Denied 0 0 0 1 1 Other 43 39 29 11 122 Missing 17 28 48 26 119 Total 133 162 180 125 600 ---PAGE BREAK--- FHIC Analysis of Impediments 107 Final Report: 10/27/09 Table D.54 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Minneapolis City HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 201 230 213 182 826 Employment History 38 46 46 23 153 Credit History 255 442 436 197 1,330 Collateral 121 225 212 154 712 Insufficient Cash 22 32 32 17 103 Unverifiable Information 83 147 224 113 567 Credit Application Incomplete 114 200 260 203 777 Mortgage Insurance Denied 0 1 2 1 4 Other 356 544 423 203 1,526 Missing 296 495 709 284 1,784 Total 1,486 2,362 2,557 1,377 7,782 Table D.55 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Minnetonka City HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 17 10 21 19 67 Employment History 4 5 0 1 10 Credit History 7 13 23 14 57 Collateral 9 3 10 16 38 Insufficient Cash 1 2 0 1 4 Unverifiable Information 3 9 13 13 38 Credit Application Incomplete 11 12 16 26 65 Other 17 22 22 28 89 Missing 13 17 51 26 107 Total 82 93 156 144 475 Table D.56 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Plymouth City HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 13 32 12 18 75 Employment History 0 5 2 4 11 Credit History 26 31 24 10 91 Collateral 15 11 9 10 45 Insufficient Cash 1 4 5 0 10 Unverifiable Information 8 13 12 10 43 Credit Application Incomplete 10 12 16 15 53 Other 34 41 26 19 120 Missing 24 47 49 16 136 Total 131 196 155 102 584 ---PAGE BREAK--- FHIC Analysis of Impediments 108 Final Report: 10/27/09 Table D.57 Owner-Occupied Home Purchase Loan Applications by Reason for Denial St. Paul City HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 122 136 117 105 480 Employment History 23 37 23 11 94 Credit History 149 285 223 191 848 Collateral 74 92 116 65 347 Insufficient Cash 25 9 24 23 81 Unverifiable Information 38 102 132 70 342 Credit Application Incomplete 77 121 142 127 467 Mortgage Insurance Denied 0 0 1 2 3 Other 229 318 219 114 880 Missing 211 348 419 185 1,163 Total 948 1,448 1,416 893 4,705 Table D.58 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Woodbury City HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 31 32 24 29 116 Employment History 2 5 7 5 19 Credit History 18 56 36 22 132 Collateral 4 16 18 20 58 Insufficient Cash 6 2 3 5 16 Unverifiable Information 8 12 8 19 47 Credit Application Incomplete 24 30 52 34 140 Other 41 54 54 35 184 Missing 33 64 37 36 170 Total 167 271 239 205 882 Table D.59 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Anoka County HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 217 182 168 144 711 Employment History 30 33 29 12 104 Credit History 253 332 247 200 1,032 Collateral 79 103 97 71 350 Insufficient Cash 22 21 13 22 78 Unverifiable Information 41 100 138 82 361 Credit Application Incomplete 115 137 183 112 547 Mortgage Insurance Denied 0 1 0 1 2 Other 270 350 213 137 970 Missing 347 565 516 276 1,704 Total 1,374 1,824 1,604 1,057 5,859 ---PAGE BREAK--- FHIC Analysis of Impediments 109 Final Report: 10/27/09 Table D.60 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Carver County HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 32 36 45 41 154 Employment History 9 5 8 4 26 Credit History 61 63 47 34 205 Collateral 18 18 26 20 82 Insufficient Cash 4 5 4 2 15 Unverifiable Information 11 28 33 13 85 Credit Application Incomplete 32 33 32 40 137 Other 36 59 56 35 186 Missing 51 64 92 57 264 Total 254 311 343 246 1,154 Table D.61 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Dakota County HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 186 194 163 164 707 Employment History 36 45 48 9 138 Credit History 209 317 266 164 956 Collateral 76 100 94 51 321 Insufficient Cash 24 33 24 13 94 Unverifiable Information 52 77 106 47 282 Credit Application Incomplete 114 165 166 120 565 Mortgage Insurance Denied 1 1 0 1 3 Other 280 365 227 140 1,012 Missing 246 397 376 202 1,221 Total 1,224 1,694 1,470 911 5,299 Table D.62 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Hennepin County HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 266 309 265 249 1,089 Employment History 34 45 69 37 185 Credit History 285 444 394 280 1,403 Collateral 100 114 138 121 473 Insufficient Cash 22 30 39 21 112 Unverifiable Information 86 183 246 134 649 Credit Application Incomplete 161 246 286 251 944 Mortgage Insurance Denied 3 1 1 2 7 Other 410 519 374 261 1,564 Missing 282 511 772 318 1,883 Total 1,649 2,402 2,584 1,674 8,309 ---PAGE BREAK--- FHIC Analysis of Impediments 110 Final Report: 10/27/09 Table D.63 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Ramsey County HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 67 89 61 51 268 Employment History 13 10 16 6 45 Credit History 78 132 106 92 408 Collateral 14 46 38 36 134 Insufficient Cash 10 7 11 11 39 Unverifiable Information 22 51 54 38 165 Credit Application Incomplete 27 56 70 50 203 Other 112 139 121 65 437 Missing 123 217 207 121 668 Total 466 747 684 470 2,367 Table D.64 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Washington County HMDA Data 2004 - 2007 Denial Reason 2004 2005 2006 2007 Total Debt-to-income Ratio 89 89 71 57 306 Employment History 5 12 10 14 41 Credit History 81 115 86 69 351 Collateral 28 52 48 36 164 Insufficient Cash 6 11 18 3 38 Unverifiable Information 27 45 36 35 143 Credit Application Incomplete 44 75 71 36 226 Mortgage Insurance Denied 0 1 0 1 2 Other 95 146 109 47 397 Missing 107 183 188 93 571 Total 482 729 637 391 2,239 Table D.65 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Bloomington City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 11.1% 57.1% 66.7% 20.0% 33.3% Asian or Pacific Islander 17.9% 25.0% 24.6% 14.3% 21.9% Black 33.9% 42.0% 36.3% 25.0% 36.1% White 10.5% 12.6% 11.5% 13.2% 11.9% Not Provided by Applicant 20.1% 29.8% 32.8% 27.8% 27.5% Not Applicable . . . . . Total 12.7% 16.6% 15.8% 14.9% 15.1% Hispanic (Ethnicity) 15.6% 27.7% 32.8% 53.4% 29.7% ---PAGE BREAK--- FHIC Analysis of Impediments 111 Final Report: 10/27/09 Table D.66 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Eden Prairie City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 0.0% 0.0% 20.0% 80.0% 26.3% Asian or Pacific Islander 7.9% 5.2% 12.9% 8.5% 8.9% Black 16.7% 25.6% 23.6% 35.9% 24.7% White 6.9% 7.4% 8.0% 8.2% 7.6% Not Provided by Applicant 11.4% 15.3% 19.0% 15.6% 15.4% Not Applicable 11.4% 15.3% 19.0% 15.6% 15.4% Total 7.6% 8.7% 10.6% 10.3% 9.2% Hispanic (Ethnicity) 17.6% 10.4% 28.6% 24.1% 20.0% Table D.67 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Minneapolis City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 24.4% 34.2% 36.2% 45.2% 32.9% Asian or Pacific Islander 25.2% 25.0% 33.0% 38.4% 29.8% Black 31.9% 36.9% 46.8% 51.3% 41.2% White 12.4% 15.5% 18.6% 14.2% 15.3% Not Provided by Applicant 28.8% 31.6% 30.6% 28.8% 30.2% Not Applicable 30.4% . 0.0% 0.0% 28.0% Total 16.9% 20.9% 24.9% 20.9% 21.1% Hispanic (Ethnicity) 27.2% 33.8% 39.5% 42.8% 35.5% Table D.68 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Minnetonka City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 42.9% 33.3% 33.3% 0.0% 33.3% Asian or Pacific Islander 0.0% 38.5% 39.6% 38.0% 33.7% Black 18.2% 16.0% 56.7% 46.4% 36.2% White 7.2% 7.3% 10.3% 14.1% 9.3% Not Provided by Applicant 10.4% 20.0% 26.0% 23.9% 20.3% Not Applicable 0.0% . . . 0.0% Total 7.7% 9.1% 14.3% 18.2% 12.0% Hispanic (Ethnicity) 4.8% 5.3% 52.9% 37.5% 24.7% Table D.69 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Plymouth City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 16.7% 0.0% 40.0% 50.0% 26.3% Asian or Pacific Islander 15.1% 12.5% 14.1% 18.8% 15.0% Black 17.5% 13.3% 23.5% 20.0% 18.4% White 6.2% 10.2% 9.3% 7.5% 8.4% Not Provided by Applicant 15.9% 20.1% 15.7% 14.3% 16.7% Not Applicable 0.0% . . 0.0% 0.0% Total 7.9% 11.2% 10.8% 9.7% 9.9% Hispanic (Ethnicity) 12.0% 36.8% 16.1% 18.8% 22.2% ---PAGE BREAK--- FHIC Analysis of Impediments 112 Final Report: 10/27/09 Table D.70 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race St. Paul City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 34.9% 15.2% 6.5% 22.2% 20.3% Asian or Pacific Islander 28.2% 33.7% 33.4% 40.8% 33.4% Black 28.3% 31.0% 37.6% 49.1% 35.2% White 11.7% 14.9% 17.0% 17.2% 15.0% Not Provided by Applicant 28.0% 28.8% 29.3% 34.4% 29.6% Not Applicable 21.1% . . . 21.1% Total 16.6% 20.8% 22.8% 24.2% 20.8% Hispanic (Ethnicity) 25.0% 27.8% 33.4% 43.7% 31.1% Table D.71 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Woodbury City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 33.3% 0.0% 0.0% 37.5% 18.9% Asian or Pacific Islander 12.4% 17.6% 13.3% 23.3% 16.2% Black 18.9% 30.0% 26.5% 31.7% 26.7% White 5.9% 7.8% 8.9% 10.6% 8.1% Not Provided by Applicant 14.2% 17.3% 16.0% 22.8% 16.8% Not Applicable 0.0% . . . 0.0% Total 8.1% 11.0% 11.4% 13.8% 10.9% Hispanic (Ethnicity) 22.0% 18.6% 32.6% 36.6% 27.4% Table D.72 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Anoka County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 20.3% 26.6% 20.5% 29.3% 24.0% Asian or Pacific Islander 18.6% 25.6% 28.3% 32.8% 25.3% Black 22.8% 27.4% 33.7% 40.8% 30.6% White 12.4% 14.3% 16.3% 17.5% 14.7% Not Provided by Applicant 22.2% 25.5% 25.8% 28.8% 25.0% Not Applicable 33.3% . 0.0% . 30.0% Total 14.1% 16.9% 19.1% 20.5% 17.2% Hispanic (Ethnicity) 22.8% 25.6% 37.3% 39.5% 30.7% Table D.73 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Carver County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 12.5% 25.0% 44.4% 66.7% 37.0% Asian or Pacific Islander 10.7% 17.5% 34.0% 41.8% 25.4% Black 21.4% 35.9% 35.3% 28.6% 31.7% White 8.0% 9.0% 10.5% 12.1% 9.6% Not Provided by Applicant 18.3% 17.2% 22.2% 14.9% 18.3% Not Applicable 33.3% . . 100.0% 40.0% Total 9.2% 10.4% 12.9% 14.1% 11.3% Hispanic (Ethnicity) 19.4% 39.5% 50.0% 28.6% 37.2% ---PAGE BREAK--- FHIC Analysis of Impediments 113 Final Report: 10/27/09 Table D.74 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Dakota County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 10.5% 17.5% 28.0% 25.0% 19.4% Asian or Pacific Islander 13.6% 16.4% 20.3% 18.7% 17.1% Black 18.1% 27.4% 32.1% 37.5% 28.0% White 8.4% 11.5% 11.8% 11.0% 10.6% Not Provided by Applicant 20.8% 23.6% 22.2% 23.9% 22.5% Not Applicable 17.6% 0.0% 0.0% 33.3% 16.3% Total 10.1% 13.7% 14.3% 13.5% 12.7% Hispanic (Ethnicity) 15.5% 27.7% 29.6% 33.8% 26.0% Table D.75 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Hennepin County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 16.4% 26.2% 13.7% 23.1% 19.6% Asian or Pacific Islander 18.0% 22.9% 28.6% 29.8% 24.2% Black 23.2% 29.9% 39.0% 46.4% 34.5% White 9.7% 11.2% 12.8% 12.9% 11.5% Not Provided by Applicant 20.0% 26.9% 26.9% 23.9% 24.5% Not Applicable 30.0% 0.0% 0.0% . 20.7% Total 12.4% 15.9% 19.1% 19.0% 16.4% Hispanic (Ethnicity) 24.0% 26.5% 34.1% 41.0% 30.1% Table D.76 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Ramsey County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 10.0% 18.2% 31.0% 38.5% 25.7% Asian or Pacific Islander 14.9% 25.8% 24.9% 26.3% 22.9% Black 21.8% 24.4% 28.2% 37.2% 27.5% White 9.2% 12.7% 13.4% 12.8% 12.0% Not Provided by Applicant 24.5% 28.9% 23.4% 26.4% 26.0% Not Applicable 14.3% 0.0% 0.0% . 9.1% Total 11.3% 16.1% 16.3% 16.1% 14.9% Hispanic (Ethnicity) 28.9% 29.6% 35.4% 41.7% 33.4% Table D.77 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race Washington County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total American Indian or Alaskan Native 23.8% 17.6% 7.7% 41.7% 19.7% Asian or Pacific Islander 17.2% 27.4% 29.6% 36.9% 27.1% Black 11.8% 22.5% 26.7% 37.5% 23.9% White 9.3% 11.8% 12.0% 10.9% 11.0% Not Provided by Applicant 20.2% 24.3% 20.9% 23.8% 22.3% Not Applicable 0.0% 0.0% 33.3% 0.0% 5.0% Total 10.8% 14.2% 14.8% 14.5% 14.4% Hispanic (Ethnicity) 20.0% 26.1% 20.1% 37.1% 24.4% ---PAGE BREAK--- FHIC Analysis of Impediments 114 Final Report: 10/27/09 Table D.78 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Fair Housing Implementation Council Region HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 312 313 249 145 1,019 Denied 82 103 74 71 330 American Indian or Alaskan Native Denial Rate % 20.8% 24.8% 22.9% 32.9% 24.5% Originated 3,613 4,359 3,759 2,066 13,797 Denied 832 1,421 1,427 891 4,571 Asian or Pacific Islander Denial Rate % 18.7% 24.6% 27.5% 30.1% 24.9% Originated 2,811 4,348 3,858 1,660 12,677 Denied 924 1,942 2,377 1,345 6,588 Black Denial Rate % 24.7% 30.9% 38.1% 44.8% 34.2% Originated 48,756 51,295 43,125 29,465 172,641 Denied 5,350 7,218 6,858 4,479 23,905 White Denial Rate % 9.9% 12.3% 13.7% 13.2% 12.2% Originated 4,872 5,231 4,499 2,803 17,405 Denied 1,373 1,843 1,540 952 5,708 Not Provided by Applicant Denial Rate % 22.0% 26.1% 25.5% 25.4% 24.7% Originated 115 11 19 15 160 Denied 30 0 1 3 34 Not Applicable Denial Rate % 20.7% 0.0% 5.0% 16.7% 17.5% Originated 60,479 65,557 55,509 36,154 217,699 Denied 8,591 12,527 12,277 7,741 41,136 Total Denial Rate % 12.4% 16.0% 18.1% 17.6% 15.9% Originated 2,315 3,126 2,509 1,221 9,171 Denied 677 1,252 1,333 814 4,076 Hispanic (Ethnicity) Denial Rate % 22.6% 28.6% 34.7% 40.0% 30.8% Table D.79 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Bloomington City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 8 3 1 4 16 Denied 1 4 2 1 8 American Indian or Alaskan Native Denial Rate % 11.1% 57.1% 66.7% 20.0% 33.3% Originated 69 90 86 36 281 Denied 15 30 28 6 79 Asian or Pacific Islander Denial Rate % 17.9% 25.0% 24.6% 14.3% 21.9% Originated 39 51 58 27 175 Denied 20 37 33 9 99 Black Denial Rate % 33.9% 42.0% 36.3% 25.0% 36.1% Originated 1,100 1,192 1,111 710 4,113 Denied 129 172 145 108 554 White Denial Rate % 10.5% 12.6% 11.5% 13.2% 11.9% Originated 119 106 90 57 372 Denied 30 45 44 22 141 Not Provided by Applicant Denial Rate % 20.1% 29.8% 32.8% 27.8% 27.5% Originated 6 1 1 0 8 Denied 0 0 0 0 0 Not Applicable Denial Rate % 0.0% 0.0% 0.0% . 0.0% Originated 1,341 1,443 1,347 834 4,965 Denied 195 288 252 146 881 Total Denial Rate % 12.7% 16.6% 15.8% 14.9% 15.1% Originated 103 141 86 34 364 Denied 19 54 42 39 154 Hispanic (Ethnicity) Denial Rate % 15.6% 27.7% 32.8% 53.4% 29.7% ---PAGE BREAK--- FHIC Analysis of Impediments 115 Final Report: 10/27/09 Table D.80 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Eden Prairie City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 3 6 4 1 14 Denied 0 0 1 4 5 American Indian or Alaskan Native Denial Rate % 0.0% 0.0% 20.0% 80.0% 26.3% Originated 116 110 128 130 484 Denied 10 6 19 12 47 Asian or Pacific Islander Denial Rate % 7.9% 5.2% 12.9% 8.5% 8.9% Originated 40 58 84 25 207 Denied 8 20 26 14 68 Black Denial Rate % 16.7% 25.6% 23.6% 35.9% 24.7% Originated 1,307 1,372 1,161 815 4,655 Denied 97 110 101 73 381 White Denial Rate % 6.9% 7.4% 8.0% 8.2% 7.6% Originated 140 144 141 114 539 Denied 18 26 33 21 98 Not Provided by Applicant Denial Rate % 11.4% 15.3% 19.0% 15.6% 15.4% Originated 3 0 2 1 6 Denied 0 0 0 1 1 Not Applicable Denial Rate % 0.0% #DIV/0! 0.0% 50.0% 14.3% Originated 1,609 1,690 1,520 1,086 5,905 Denied 133 162 180 125 600 Total Denial Rate % 7.6% 8.7% 10.6% 10.3% 9.2% Originated 28 43 35 22 128 Denied 6 5 14 7 32 Hispanic (Ethnicity) Denial Rate % 17.6% 10.4% 28.6% 24.1% 20.0% Table D.81 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Minneapolis City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 65 77 37 17 196 Denied 21 40 21 14 96 American Indian or Alaskan Native Denial Rate % 24.4% 34.2% 36.2% 45.2% 32.9% Originated 312 453 440 199 1,404 Denied 105 151 217 124 597 Asian or Pacific Islander Denial Rate % 25.2% 25.0% 33.0% 38.4% 29.8% Originated 639 1,014 787 351 2,791 Denied 299 592 692 369 1,952 Black Denial Rate % 31.9% 36.9% 46.8% 51.3% 41.2% Originated 5,643 6,600 5,715 4,219 22,177 Denied 799 1,214 1,304 698 4,015 White Denial Rate % 12.4% 15.5% 18.6% 14.2% 15.3% Originated 629 790 734 426 2,579 Denied 255 365 323 172 1,115 Not Provided by Applicant Denial Rate % 28.8% 31.6% 30.6% 28.8% 30.2% Originated 16 0 1 1 18 Denied 7 0 0 0 7 Not Applicable Denial Rate % 30.4% . 0.0% 0.0% 28.0% Originated 7,304 8,934 7,714 5,213 29,165 Denied 1,486 2,362 2,557 1,377 7,782 Total Denial Rate % 16.9% 20.9% 24.9% 20.9% 21.1% Originated 461 647 544 271 1,923 Denied 172 330 355 203 1,060 Hispanic (Ethnicity) Denial Rate % 27.2% 33.8% 39.5% 42.8% 35.5% ---PAGE BREAK--- FHIC Analysis of Impediments 116 Final Report: 10/27/09 Table D.82 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Minnetonka City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 4 2 2 2 10 Denied 3 1 1 0 5 American Indian or Alaskan Native Denial Rate % 42.9% 33.3% 33.3% 0.0% 33.3% Originated 21 16 29 44 110 Denied 0 10 19 27 56 Asian or Pacific Islander Denial Rate % 0.0% 38.5% 39.6% 38.0% 33.7% Originated 18 21 13 15 67 Denied 4 4 17 13 38 Black Denial Rate % 18.2% 16.0% 56.7% 46.4% 36.2% Originated 866 842 819 537 3,064 Denied 67 66 94 88 315 White Denial Rate % 7.2% 7.3% 10.3% 14.1% 9.3% Originated 69 48 71 51 239 Denied 8 12 25 16 61 Not Provided by Applicant Denial Rate % 10.4% 20.0% 26.0% 23.9% 20.3% Originated 2 0 0 0 2 Denied 0 0 0 0 0 Not Applicable Denial Rate % 0.0% . . . 0.0% Originated 980 929 934 649 3,492 Denied 82 93 156 144 475 Total Denial Rate % 7.7% 9.1% 14.3% 18.2% 12.0% Originated 20 18 8 15 61 Denied 1 1 9 9 20 Hispanic (Ethnicity) Denial Rate % 4.8% 5.3% 52.9% 37.5% 24.7% Table D.83 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Plymouth City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 5 4 3 2 14 Denied 1 0 2 2 5 American Indian or Alaskan Native Denial Rate % 16.7% 0.0% 40.0% 50.0% 26.3% Originated 90 84 85 69 328 Denied 16 12 14 16 58 Asian or Pacific Islander Denial Rate % 15.1% 12.5% 14.1% 18.8% 15.0% Originated 33 52 39 36 160 Denied 7 8 12 9 36 Black Denial Rate % 17.5% 13.3% 23.5% 20.0% 18.4% Originated 1,265 1,309 1,047 768 4,389 Denied 84 149 107 62 402 White Denial Rate % 6.2% 10.2% 9.3% 7.5% 8.4% Originated 122 107 107 78 414 Denied 23 27 20 13 83 Not Provided by Applicant Denial Rate % 15.9% 20.1% 15.7% 14.3% 16.7% Originated 2 0 0 1 3 Denied 0 0 0 0 0 Not Applicable Denial Rate % 0.0% . . 0.0% 0.0% Originated 1,517 1,556 1,281 954 5,308 Denied 131 196 155 102 584 Total Denial Rate % 7.9% 11.2% 10.8% 9.7% 9.9% Originated 22 24 26 26 98 Denied 3 14 5 6 28 Hispanic (Ethnicity) Denial Rate % 12.0% 36.8% 16.1% 18.8% 22.2% ---PAGE BREAK--- FHIC Analysis of Impediments 117 Final Report: 10/27/09 Table D.84 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race St. Paul City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 28 39 29 14 110 Denied 15 7 2 4 28 American Indian or Alaskan Native Denial Rate % 34.9% 15.2% 6.5% 22.2% 20.3% Originated 509 727 623 270 2,129 Denied 200 370 313 186 1,069 Asian or Pacific Islander Denial Rate % 28.2% 33.7% 33.4% 40.8% 33.4% Originated 274 512 428 147 1,361 Denied 108 230 258 142 738 Black Denial Rate % 28.3% 31.0% 37.6% 49.1% 35.2% Originated 3,542 3,801 3,331 2,159 12,833 Denied 468 663 684 450 2,265 White Denial Rate % 11.7% 14.9% 17.0% 17.2% 15.0% Originated 394 440 384 212 1,430 Denied 153 178 159 111 601 Not Provided by Applicant Denial Rate % 28.0% 28.8% 29.3% 34.4% 29.6% Originated 15 0 0 0 15 Denied 4 0 0 0 4 Not Applicable Denial Rate % 21.1% . . . 21.1% Originated 4,762 5,519 4,795 2,802 17,878 Denied 948 1,448 1,416 893 4,705 Total Denial Rate % 16.6% 20.8% 22.8% 24.2% 20.8% Originated 321 452 381 151 1,305 Denied 107 174 191 117 589 Hispanic (Ethnicity) Denial Rate % 25.0% 27.8% 33.4% 43.7% 31.1% Table D.85 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Woodbury City HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 8 8 9 5 30 Denied 4 0 0 3 7 American Indian or Alaskan Native Denial Rate % 33.3% 0.0% 0.0% 37.5% 18.9% Originated 156 192 216 122 686 Denied 22 41 33 37 133 Asian or Pacific Islander Denial Rate % 12.4% 17.6% 13.3% 23.3% 16.2% Originated 90 119 111 43 363 Denied 21 51 40 20 132 Black Denial Rate % 18.9% 30.0% 26.5% 31.7% 26.7% Originated 1,479 1,688 1,341 1,044 5,552 Denied 93 142 131 124 490 White Denial Rate % 5.9% 7.8% 8.9% 10.6% 8.1% Originated 163 177 184 71 595 Denied 27 37 35 21 120 Not Provided by Applicant Denial Rate % 14.2% 17.3% 16.0% 22.8% 16.8% Originated 7 0 0 0 7 Denied 0 0 0 0 0 Not Applicable Denial Rate % 0.0% . . . 0.0% Originated 1,903 2,184 1,861 1,285 7,233 Denied 167 271 239 205 882 Total Denial Rate % 8.1% 11.0% 11.4% 13.8% 10.9% Originated 46 48 60 26 180 Denied 13 11 29 15 68 Hispanic (Ethnicity) Denial Rate % 22.0% 18.6% 32.6% 36.6% 27.4% ---PAGE BREAK--- FHIC Analysis of Impediments 118 Final Report: 10/27/09 Table D.86 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Anoka County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 47 47 35 29 158 Denied 12 17 9 12 50 American Indian or Alaskan Native Denial Rate % 20.3% 26.6% 20.5% 29.3% 24.0% Originated 480 522 352 197 1,551 Denied 110 180 139 96 525 Asian or Pacific Islander Denial Rate % 18.6% 25.6% 28.3% 32.8% 25.3% Originated 277 443 439 157 1,316 Denied 82 167 223 108 580 Black Denial Rate % 22.8% 27.4% 33.7% 40.8% 30.6% Originated 6,884 7,138 5,451 3,432 22,905 Denied 976 1,190 1,058 727 3,951 White Denial Rate % 12.4% 14.3% 16.3% 17.5% 14.7% Originated 670 790 504 282 2,246 Denied 191 270 175 114 750 Not Provided by Applicant Denial Rate % 22.2% 25.5% 25.8% 28.8% 25.0% Originated 6 0 1 0 7 Denied 3 0 0 0 3 Not Applicable Denial Rate % 33.3% . 0.0% . 30.0% Originated 8,364 8,940 6,782 4,097 28,183 Denied 1,374 1,824 1,604 1,057 5,859 Total Denial Rate % 14.1% 16.9% 19.1% 20.5% 17.2% Originated 233 351 244 150 978 Denied 69 121 145 98 433 Hispanic (Ethnicity) Denial Rate % 22.8% 25.6% 37.3% 39.5% 30.7% Table D.87 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Carver County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 7 3 5 2 17 Denied 1 1 4 4 10 American Indian or Alaskan Native Denial Rate % 12.5% 25.0% 44.4% 66.7% 37.0% Originated 67 104 62 46 279 Denied 8 22 32 33 95 Asian or Pacific Islander Denial Rate % 10.7% 17.5% 34.0% 41.8% 25.4% Originated 22 25 33 15 95 Denied 6 14 18 6 44 Black Denial Rate % 21.4% 35.9% 35.3% 28.6% 31.7% Originated 2,240 2,360 2,054 1,288 7,942 Denied 196 233 242 177 848 White Denial Rate % 8.0% 9.0% 10.5% 12.1% 9.6% Originated 178 197 165 143 683 Denied 40 41 47 25 153 Not Provided by Applicant Denial Rate % 18.3% 17.2% 22.2% 14.9% 18.3% Originated 6 0 0 0 6 Denied 3 0 0 1 4 Not Applicable Denial Rate % 33.3% . . 100.0% 40.0% Originated 2,520 2,689 2,319 1,494 9,022 Denied 254 311 343 246 1,154 Total Denial Rate % 9.2% 10.4% 12.9% 14.1% 11.3% Originated 54 69 53 35 211 Denied 13 45 53 14 125 Hispanic (Ethnicity) Denial Rate % 19.4% 39.5% 50.0% 28.6% 37.2% ---PAGE BREAK--- FHIC Analysis of Impediments 119 Final Report: 10/27/09 Table D.88 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Dakota County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 51 47 36 24 158 Denied 6 10 14 8 38 American Indian or Alaskan Native Denial Rate % 10.5% 17.5% 28.0% 25.0% 19.4% Originated 514 508 460 278 1,760 Denied 81 100 117 64 362 Asian or Pacific Islander Denial Rate % 13.6% 16.4% 20.3% 18.7% 17.1% Originated 357 437 368 157 1,319 Denied 79 165 174 94 512 Black Denial Rate % 18.1% 27.4% 32.1% 37.5% 28.0% Originated 9,115 8,878 7,262 4,964 30,219 Denied 831 1,159 973 611 3,574 White Denial Rate % 8.4% 11.5% 11.8% 11.0% 10.6% Originated 841 842 672 423 2,778 Denied 221 260 192 133 806 Not Provided by Applicant Denial Rate % 20.8% 23.6% 22.2% 23.9% 22.5% Originated 28 1 5 2 36 Denied 6 0 0 1 7 Not Applicable Denial Rate % 17.6% 0.0% 0.0% 33.3% 16.3% Originated 10,906 10,713 8,803 5,848 36,270 Denied 1,224 1,694 1,470 911 5,299 Total Denial Rate % 10.1% 13.7% 14.3% 13.5% 12.7% Originated 403 460 381 176 1,420 Denied 74 176 160 90 500 Hispanic (Ethnicity) Denial Rate % 15.5% 27.7% 29.6% 33.8% 26.0% Table D.89 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Hennepin County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 61 45 44 30 180 Denied 12 16 7 9 44 American Indian or Alaskan Native Denial Rate % 16.4% 26.2% 13.7% 23.1% 19.6% Originated 755 959 713 394 2,821 Denied 166 285 285 167 903 Asian or Pacific Islander Denial Rate % 18.0% 22.9% 28.6% 29.8% 24.2% Originated 839 1,330 1,219 566 3,954 Denied 253 566 778 489 2,086 Black Denial Rate % 23.2% 29.9% 39.0% 46.4% 34.5% Originated 8,968 9,376 8,084 5,556 31,984 Denied 963 1,182 1,183 824 4,152 White Denial Rate % 9.7% 11.2% 12.8% 12.9% 11.5% Originated 997 961 900 590 3,448 Denied 249 353 331 185 1,118 Not Provided by Applicant Denial Rate % 20.0% 26.9% 26.9% 23.9% 24.5% Originated 14 3 6 0 23 Denied 6 0 0 0 6 Not Applicable Denial Rate % 30.0% 0.0% 0.0% . 20.7% Originated 11,634 12,674 10,966 7,136 42,410 Denied 1,649 2,402 2,584 1,674 8,309 Total Denial Rate % 12.4% 15.9% 19.1% 19.0% 16.4% Originated 457 640 448 220 1,765 Denied 144 231 232 153 760 Hispanic (Ethnicity) Denial Rate % 24.0% 26.5% 34.1% 41.0% 30.1% ---PAGE BREAK--- FHIC Analysis of Impediments 120 Final Report: 10/27/09 Table D.90 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Ramsey County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 9 18 20 8 55 Denied 1 4 9 5 19 American Indian or Alaskan Native Denial Rate % 10.0% 18.2% 31.0% 38.5% 25.7% Originated 303 334 299 182 1,118 Denied 53 116 99 65 333 Asian or Pacific Islander Denial Rate % 14.9% 25.8% 24.9% 26.3% 22.9% Originated 86 152 158 71 467 Denied 24 49 62 42 177 Black Denial Rate % 21.8% 24.4% 28.2% 37.2% 27.5% Originated 2,980 3,075 2,775 2,019 10,849 Denied 302 449 431 297 1,479 White Denial Rate % 9.2% 12.7% 13.4% 12.8% 12.0% Originated 262 317 271 170 1,020 Denied 85 129 83 61 358 Not Provided by Applicant Denial Rate % 24.5% 28.9% 23.4% 26.4% 26.0% Originated 6 3 1 0 10 Denied 1 0 0 0 1 Not Applicable Denial Rate % 14.3% 0.0% 0.0% . 9.1% Originated 3,646 3,899 3,524 2,450 13,519 Denied 466 747 684 470 2,367 Total Denial Rate % 11.3% 16.1% 16.3% 16.1% 14.9% Originated 91 114 124 56 385 Denied 37 48 68 40 193 Hispanic (Ethnicity) Denial Rate % 28.9% 29.6% 35.4% 41.7% 33.4% Table D.91 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Race Washington County HMDA Data 2004 - 2007 Race 2004 2005 2006 2007 Total Originated 16 14 24 7 61 Denied 5 3 2 5 15 American Indian or Alaskan Native Denial Rate % 23.8% 17.6% 7.7% 41.7% 19.7% Originated 221 260 266 99 846 Denied 46 98 112 58 314 Asian or Pacific Islander Denial Rate % 17.2% 27.4% 29.6% 36.9% 27.1% Originated 97 134 121 50 402 Denied 13 39 44 30 126 Black Denial Rate % 11.8% 22.5% 26.7% 37.5% 23.9% Originated 3,367 3,664 2,974 1,954 11,959 Denied 345 489 405 240 1,479 White Denial Rate % 9.3% 11.8% 12.0% 10.9% 11.0% Originated 288 312 276 186 1 Denied 73 100 73 58 304 Not Provided by Applicant Denial Rate % 20.2% 24.3% 20.9% 23.8% 99.7% Originated 4 3 2 10 19 Denied 0 0 1 0 1 Not Applicable Denial Rate % 0.0% 0.0% 33.3% 0.0% 5.0% Originated 3,993 4,387 3,663 2,306 13,288 Denied 482 729 637 391 2,239 Total Denial Rate % 10.8% 14.2% 14.8% 14.5% 14.4% Originated 76 119 119 39 353 Denied 19 42 30 23 114 Hispanic (Ethnicity) Denial Rate % 20.0% 26.1% 20.1% 37.1% 24.4% ---PAGE BREAK--- FHIC Analysis of Impediments 121 Final Report: 10/27/09 Table D.92 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Fair Housing Implementation Council Region HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 39,023 41,161 34,287 22,938 137,409 Denied 5,083 7,318 7,177 4,657 24,235 Male Denial Rate % 11.5% 15.1% 17.3% 16.9% 15.0% Originated 19,526 22,097 19,005 11,684 72,312 Denied 2,946 4,463 4,419 2,612 14,440 Female Denial Rate % 13.1% 16.8% 18.9% 18.3% 16.6% Originated 1,919 2,286 2,197 1,512 7,914 Denied 562 741 680 467 2,450 Not Provided by Applicant Denial Rate % 22.7% 24.5% 23.6% 23.6% 23.6% Originated 11 13 20 20 64 Denied 0 5 1 5 11 Not Applicable Denial Rate % 0.0% 27.8% 4.8% 20.0% 14.7% Originated 60,479 65,557 55,509 36,154 217,699 Denied 8,591 12,527 12,277 7,741 41,136 Total Denial Rate % 12.4% 16.0% 18.1% 17.6% 15.9% Table D.93 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Bloomington City HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 807 896 827 537 3,067 Denied 107 178 138 90 513 Male Denial Rate % 11.7% 16.6% 14.3% 14.4% 14.3% Originated 485 499 471 260 1,715 Denied 72 91 102 45 310 Female Denial Rate % 12.9% 15.4% 17.8% 14.8% 15.3% Originated 47 47 48 37 179 Denied 16 19 12 11 58 Not Provided by Applicant Denial Rate % 25.4% 28.8% 20.0% 22.9% 24.5% Originated 2 1 1 0 4 Denied 0 0 0 0 0 Not Applicable Denial Rate % 0.0% 0.0% 0.0% #DIV/0! 0.0% Originated 1,341 1,443 1,347 834 4,965 Denied 195 288 252 146 881 Total Denial Rate % 12.7% 16.6% 15.8% 14.9% 15.1% ---PAGE BREAK--- FHIC Analysis of Impediments 122 Final Report: 10/27/09 Table D.94 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Eden Prairie HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 1,028 1,042 966 704 3,740 Denied 68 90 93 77 328 Male Denial Rate % 6.2% 8.0% 8.8% 9.9% 8.1% Originated 535 568 484 320 1,907 Denied 55 59 70 33 217 Female Denial Rate % 9.3% 9.4% 12.6% 9.3% 10.2% Originated 46 80 68 61 255 Denied 10 13 17 14 54 Not Provided by Applicant Denial Rate % 17.9% 14.0% 20.0% 18.7% 17.5% Originated 0 0 2 1 3 Denied 0 0 0 1 1 Not Applicable Denial Rate % . . 0.0% 50.0% 25.0% Originated 1,609 1,690 1,520 1,086 5,905 Denied 133 162 180 125 600 Total Denial Rate % 7.6% 8.7% 10.6% 10.3% 9.2% Table D.95 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Minneapolis City HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 4,446 5,189 4,390 3,062 17,087 Denied 851 1,398 1,525 832 4,606 Male Denial Rate % 16.1% 21.2% 25.8% 21.4% 21.2% Originated 2,620 3,385 2,968 1,908 10,881 Denied 541 829 878 458 2,706 Female Denial Rate % 17.1% 19.7% 22.8% 19.4% 19.9% Originated 238 358 355 242 1,193 Denied 94 133 154 86 467 Not Provided by Applicant Denial Rate % 28.3% 27.1% 30.3% 26.2% 28.1% Originated 0 2 1 1 4 Denied 0 2 0 1 3 Not Applicable Denial Rate % . 50.0% 0.0% 50.0% 42.9% Originated 7,304 8,934 7,714 5,213 29,165 Denied 1,486 2,362 2,557 1,377 7,782 Total Denial Rate % 16.9% 20.9% 24.9% 20.9% 21.1% ---PAGE BREAK--- FHIC Analysis of Impediments 123 Final Report: 10/27/09 Table D.96 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Minnetonka City HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 637 576 537 383 2,133 Denied 53 58 87 88 286 Male Denial Rate % 7.7% 9.1% 13.9% 18.7% 11.8% Originated 299 330 358 239 1,226 Denied 24 32 60 53 169 Female Denial Rate % 7.4% 8.8% 14.4% 18.2% 12.1% Originated 44 23 39 27 133 Denied 5 3 9 3 20 Not Provided by Applicant Denial Rate % 10.2% 11.5% 18.8% 10.0% 13.1% Originated 0 0 0 0 0 Denied 0 0 0 0 0 Not Applicable Denial Rate % . . . . . Originated 980 929 934 649 3,492 Denied 82 93 156 144 475 Total Denial Rate % 7.7% 9.1% 14.3% 18.2% 12.0% Table D.97 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Plymouth City HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 957 945 818 605 3,325 Denied 71 92 93 51 307 Male Denial Rate % 6.9% 8.9% 10.2% 7.8% 8.5% Originated 503 559 412 313 1,787 Denied 49 88 56 44 237 Female Denial Rate % 8.9% 13.6% 12.0% 12.3% 11.7% Originated 57 52 51 35 195 Denied 11 16 6 7 40 Not Provided by Applicant Denial Rate % 16.2% 23.5% 10.5% 16.7% 17.0% Originated 0 0 0 1 1 Denied 0 0 0 0 0 Not Applicable Denial Rate % . . . . . Originated 1,517 1,556 1,281 954 5,308 Denied 131 196 155 102 584 Total Denial Rate % 7.9% 11.2% 10.8% 9.7% 9.9% ---PAGE BREAK--- FHIC Analysis of Impediments 124 Final Report: 10/27/09 Table D.98 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender St. Paul City HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 2,933 3,261 2,829 1,671 10,694 Denied 564 831 776 532 2,703 Male Denial Rate % 16.1% 20.3% 21.5% 24.1% 20.2% Originated 1,694 2,069 1,783 1,009 6,555 Denied 335 539 565 300 1,739 Female Denial Rate % 16.5% 20.7% 24.1% 22.9% 21.0% Originated 134 189 183 122 628 Denied 49 78 75 61 263 Not Provided by Applicant Denial Rate % 26.8% 29.2% 29.1% 33.3% 29.5% Originated 1 0 0 0 1 Denied 0 0 0 0 0 Not Applicable Denial Rate % 0.0% . . . 0.0% Originated 4,762 5,519 4,795 2,802 17,878 Denied 948 1,448 1,416 893 4,705 Total Denial Rate % 16.6% 20.8% 22.8% 24.2% 20.8% Table D.99 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Woodbury City HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 1,245 1,360 1,203 864 4,672 Denied 108 136 145 124 513 Male Denial Rate % 8.0% 9.1% 10.8% 12.6% 9.9% Originated 597 755 588 389 2,329 Denied 47 119 90 67 323 Female Denial Rate % 7.3% 13.6% 13.3% 14.7% 12.2% Originated 60 69 70 32 231 Denied 12 16 4 14 46 Not Provided by Applicant Denial Rate % 16.7% 18.8% 5.4% 30.4% 16.6% Originated 1 0 0 0 1 Denied 0 0 0 0 0 Not Applicable Denial Rate % 0.0% . . . 0.0% Originated 1,903 2,184 1,861 1,285 7,233 Denied 167 271 239 205 882 Total Denial Rate % 8.1% 11.0% 11.4% 13.8% 10.9% ---PAGE BREAK--- FHIC Analysis of Impediments 125 Final Report: 10/27/09 Table D.100 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Anoka County HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 5,565 5,911 4,266 2,664 18,406 Denied 827 1,112 1,010 653 3,602 Male Denial Rate % 12.9% 15.8% 19.1% 19.7% 16.4% Originated 2,514 2,708 2,263 1,254 8,739 Denied 462 624 517 349 1,952 Female Denial Rate % 15.5% 18.7% 18.6% 21.8% 18.3% Originated 285 321 252 179 1,037 Denied 85 88 77 55 305 Not Provided by Applicant Denial Rate % 23.0% 21.5% 23.4% 23.5% 22.7% Originated 0 0 1 0 1 Denied 0 0 0 0 0 Not Applicable Denial Rate % . . . . . Originated 8,364 8,940 6,782 4,097 28,183 Denied 1,374 1,824 1,604 1,057 5,859 Total Denial Rate % 14.1% 16.9% 19.1% 20.5% 17.2% Table D.101 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Carver County HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 1,801 1,886 1,629 1,053 6,369 Denied 135 189 192 149 665 Male Denial Rate % 7.0% 9.1% 10.5% 12.4% 9.5% Originated 645 717 612 367 2,341 Denied 99 96 132 86 413 Female Denial Rate % 13.3% 11.8% 17.7% 19.0% 15.0% Originated 72 86 78 74 310 Denied 20 26 19 10 75 Not Provided by Applicant Denial Rate % 21.7% 23.2% 19.6% 11.9% 19.5% Originated 2 0 0 0 2 Denied 0 0 0 1 1 Not Applicable Denial Rate % 0.0% . . 100.0% 33.3% Originated 2,520 2,689 2,319 1,494 9,022 Denied 254 311 343 246 1,154 Total Denial Rate % 9.2% 10.4% 12.9% 14.1% 11.3% ---PAGE BREAK--- FHIC Analysis of Impediments 126 Final Report: 10/27/09 Table D.102 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Dakota County HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 7,085 6,742 5,461 3,762 23,050 Denied 721 1,014 825 512 3,072 Male Denial Rate % 9.2% 13.1% 13.1% 12.0% 11.8% Originated 3,480 3,624 2,999 1,851 11,954 Denied 405 575 575 334 1,889 Female Denial Rate % 10.4% 13.7% 16.1% 15.3% 13.6% Originated 339 346 337 232 1,254 Denied 98 105 70 63 336 Not Provided by Applicant Denial Rate % 22.4% 23.3% 17.2% 21.4% 21.1% Originated 2 1 6 3 12 Denied 0 0 0 2 2 Not Applicable Denial Rate % 0.0% 0.0% 0.0% 40.0% 14.3% Originated 10,906 10,713 8,803 5,848 36,270 Denied 1,224 1,694 1,470 911 5,299 Total Denial Rate % 10.1% 13.7% 14.3% 13.5% 12.7% Table D.103 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Hennepin County HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 7,485 7,986 6,748 4,586 26,805 Denied 1,008 1,383 1,515 1,024 4,930 Male Denial Rate % 11.9% 14.8% 18.3% 18.3% 15.5% Originated 3,780 4,253 3,758 2,252 14,043 Denied 537 881 916 562 2,896 Female Denial Rate % 12.4% 17.2% 19.6% 20.0% 17.1% Originated 368 432 454 296 1,550 Denied 104 135 153 88 480 Not Provided by Applicant Denial Rate % 22.0% 23.8% 25.2% 22.9% 23.6% Originated 1 3 6 2 12 Denied 0 3 0 0 3 Not Applicable Denial Rate % 0.0% 50.0% 0.0% 0.0% 20.0% Originated 11,634 12,674 10,966 7,136 42,410 Denied 1,649 2,402 2,584 1,674 8,309 Total Denial Rate % 12.4% 15.9% 19.1% 19.0% 16.4% ---PAGE BREAK--- FHIC Analysis of Impediments 127 Final Report: 10/27/09 Table D.104 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Ramsey County HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 2,326 2,459 2,165 1,559 8,509 Denied 259 426 393 293 1,371 Male Denial Rate % 10.0% 14.8% 15.4% 15.8% 13.9% Originated 1,228 1,294 1,223 832 4,577 Denied 177 260 243 144 824 Female Denial Rate % 12.6% 16.7% 16.6% 14.8% 15.3% Originated 90 143 135 57 425 Denied 30 61 48 33 172 Not Provided by Applicant Denial Rate % 25.0% 29.9% 26.2% 36.7% 28.8% Originated 2 3 1 2 8 Denied 0 0 0 0 0 Not Applicable Denial Rate % . . . . . Originated 3,646 3,899 3,524 2,450 13,519 Denied 466 747 684 470 2,367 Total Denial Rate % 11.3% 16.1% 16.3% 16.1% 14.9% Table D.105 Owner-Occupied Home Purchase Loan Applications by Selected Action Taken by Gender Washington County HMDA Data 2004 - 2007 Gender 2004 2005 2006 2007 Total Originated 2,708 2,908 2,448 1,488 9,552 Denied 311 411 385 232 1,339 Male Denial Rate % 10.3% 12.4% 13.6% 13.5% 12.3% Originated 1,146 1,336 1,086 690 4,258 Denied 143 270 215 137 765 Female Denial Rate % 11.1% 16.8% 16.5% 16.6% 15.2% Originated 139 140 127 118 524 Denied 28 48 36 22 134 Not Provided by Applicant Denial Rate % 16.8% 25.5% 22.1% 15.7% 20.4% Originated 0 3 2 10 15 Denied 0 0 1 0 1 Not Applicable Denial Rate % . 0.0% 33.3% 0.0% 6.3% Originated 3,993 4,387 3,663 2,306 14,349 Denied 482 729 637 391 2,239 Total Denial Rate % 10.8% 14.2% 14.8% 14.5% 13.5% ---PAGE BREAK--- FHIC Analysis of Impediments 128 Final Report: 10/27/09 Table D.106 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Bloomington City HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 2 18 19 69 24 0 132 18 Employment History 0 4 1 9 4 0 18 0 Credit History 2 12 18 110 17 0 159 31 Collateral 1 3 5 23 6 0 38 6 Insufficient Cash 0 1 0 4 2 0 7 1 Unverifiable Information 0 8 5 33 7 0 53 9 Credit Application Incomplete 3 9 5 70 12 0 99 19 Other 0 14 23 128 26 0 191 38 Missing 0 10 23 108 43 0 184 32 Total 8 79 99 554 141 0 881 154 % Missing 0.0% 12.7% 23.2% 19.5% 30.5% . 20.9% 20.8% Table D.107 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Eden Prairie City HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 1 7 1 61 11 0 81 3 Employment History 0 1 0 9 0 0 10 1 Credit History 1 5 14 62 15 0 97 4 Collateral 0 2 4 28 5 1 40 2 Insufficient Cash 0 4 1 6 5 0 16 2 Unverifiable Information 0 3 5 20 4 0 32 3 Credit Application Incomplete 3 4 9 57 9 0 82 12 Mortgage Insurance Denied 0 0 1 0 0 0 1 0 Other 0 9 19 78 16 0 122 3 Missing 0 12 14 60 33 0 119 2 Total 5 47 68 381 98 1 600 32 % Missing 0.0% 25.5% 20.6% 15.7% 33.7% 0.0% 19.8% 6.3% ---PAGE BREAK--- FHIC Analysis of Impediments 129 Final Report: 10/27/09 Table D.108 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Minneapolis City HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 21 45 187 473 99 1 826 113 Employment History 2 9 23 96 23 0 153 15 Credit History 21 93 422 627 165 2 1,330 192 Collateral 3 51 165 411 81 1 712 79 Insufficient Cash 3 11 21 52 16 0 103 17 Unverifiable Information 8 50 121 309 79 0 567 120 Credit Application Incomplete 9 63 125 488 91 1 777 153 Mortgage Insurance Denied 0 0 1 3 0 0 4 3 Other 16 131 374 774 229 2 1,526 171 Missing 13 144 513 782 332 0 1,784 197 Total 96 597 1,952 4,015 1,115 7 7,782 1,060 % Missing 13.5% 24.1% 26.3% 19.5% 29.8% 0.0% 22.9% 18.6% Table D.109 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Minnetonka City HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 0 4 3 46 14 0 67 1 Employment History 0 1 0 9 0 0 10 0 Credit History 1 6 6 41 3 0 57 2 Collateral 0 3 5 27 3 0 38 2 Insufficient Cash 1 0 0 3 0 0 4 1 Unverifiable Information 0 6 4 21 7 0 38 4 Credit Application Incomplete 1 3 8 44 9 0 65 3 Other 0 14 3 64 8 0 89 6 Missing 2 19 9 60 17 0 107 1 Total 5 56 38 315 61 0 475 20 % Missing 40.0% 33.9% 23.7% 19.0% 27.9% #DIV/0! 22.5% 5.0% ---PAGE BREAK--- FHIC Analysis of Impediments 130 Final Report: 10/27/09 Table D.110 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Plymouth City HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 0 3 4 56 12 0 75 2 Employment History 0 2 0 8 1 0 11 1 Credit History 1 10 8 59 13 0 91 2 Collateral 0 5 3 32 5 0 45 6 Insufficient Cash 0 0 1 8 1 0 10 0 Unverifiable Information 0 9 0 30 4 0 43 0 Credit Application Incomplete 0 7 2 38 6 0 53 2 Other 2 11 7 84 16 0 120 10 Missing 2 11 11 87 25 0 136 5 Total 5 58 36 402 83 0 584 28 % Missing 40.0% 19.0% 30.6% 21.6% 30.1% #DIV/0! 23.3% 17.9% Table D.111 Owner-Occupied Home Purchase Loan Applications by Reason for Denial St. Paul City HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 3 92 59 270 54 2 480 56 Employment History 1 30 10 47 6 0 94 8 Credit History 6 190 159 388 103 2 848 111 Collateral 2 76 54 185 30 0 347 31 Insufficient Cash 2 20 10 38 11 0 81 6 Unverifiable Information 1 104 47 151 39 0 342 51 Credit Application Incomplete 3 118 53 253 40 0 467 64 Mortgage Insurance Denied 0 0 0 1 2 0 3 0 Other 5 190 138 422 125 0 880 115 Missing 5 249 208 510 191 0 1,163 147 Total 28 1,069 738 2,265 601 4 4,705 589 % Missing 17.9% 23.3% 28.2% 22.5% 31.8% 0.0% 24.7% 25.0% ---PAGE BREAK--- FHIC Analysis of Impediments 131 Final Report: 10/27/09 Table D.112 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Woodbury City HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 0 21 16 65 14 0 116 3 Employment History 0 1 2 13 3 0 19 2 Credit History 3 12 20 83 14 0 132 9 Collateral 0 12 6 32 8 0 58 3 Insufficient Cash 1 1 2 10 2 0 16 2 Unverifiable Information 0 6 5 32 4 0 47 4 Credit Application Incomplete 1 28 16 76 19 0 140 16 Other 1 17 38 100 28 0 184 17 Missing 1 35 27 79 28 0 170 12 Total 7 133 132 490 120 0 882 68 % Missing 14.3% 26.3% 20.5% 16.1% 23.3% #DIV/0! 19.3% 17.6% Table D.113 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Anoka County HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 4 74 68 486 79 0 711 46 Employment History 2 14 6 73 9 0 104 6 Credit History 7 84 109 723 109 0 1,032 76 Collateral 3 42 36 224 44 1 350 16 Insufficient Cash 0 7 10 49 12 0 78 7 Unverifiable Information 4 65 38 226 27 1 361 33 Credit Application Incomplete 4 56 63 368 56 0 547 50 Mortgage Insurance Denied 0 0 1 1 0 0 2 1 Other 6 89 89 650 135 1 970 78 Missing 20 94 160 1,151 279 0 1,704 120 Total 50 525 580 3,951 750 3 5,859 433 % Missing 40.0% 17.9% 27.6% 29.1% 37.2% 0.0% 29.1% 27.7% ---PAGE BREAK--- FHIC Analysis of Impediments 132 Final Report: 10/27/09 Table D.114 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Carver County HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 1 9 3 123 17 1 154 15 Employment History 0 3 2 17 4 0 26 3 Credit History 5 10 9 146 34 1 205 21 Collateral 0 6 3 65 8 0 82 6 Insufficient Cash 0 0 0 15 0 0 15 0 Unverifiable Information 2 16 1 59 6 1 85 9 Credit Application Incomplete 1 14 6 99 17 0 137 17 Other 0 15 14 129 27 1 186 18 Missing 1 22 6 195 40 0 264 36 Total 10 95 44 848 153 4 1,154 125 % Missing 10.0% 23.2% 13.6% 23.0% 26.1% 0.0% 22.9% 28.8% Table D.115 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Dakota County HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 3 60 59 488 96 1 707 53 Employment History 0 10 10 98 20 0 138 16 Credit History 12 59 119 625 140 1 956 81 Collateral 0 20 26 243 32 0 321 19 Insufficient Cash 0 6 6 66 16 0 94 8 Unverifiable Information 1 38 37 173 33 0 282 35 Credit Application Incomplete 6 39 40 409 68 3 565 68 Mortgage Insurance Denied 0 0 0 3 0 0 3 2 Other 7 56 97 689 162 1 1,012 66 Missing 9 74 118 780 239 1 1,221 152 Total 38 362 512 3,574 806 7 5,299 500 % Missing 23.7% 20.4% 23.0% 21.8% 29.7% 14.3% 23.0% 30.4% ---PAGE BREAK--- FHIC Analysis of Impediments 133 Final Report: 10/27/09 Table D.116 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Hennepin County HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 4 127 261 576 121 0 1,089 84 Employment History 1 34 35 89 26 0 185 13 Credit History 12 142 432 653 163 1 1,403 166 Collateral 4 53 75 296 45 0 473 36 Insufficient Cash 1 11 20 66 14 0 112 11 Unverifiable Information 2 67 160 333 85 2 649 89 Credit Application Incomplete 6 122 216 504 95 1 944 122 Mortgage Insurance Denied 0 0 2 4 1 0 7 0 Other 6 175 322 800 259 2 1,564 126 Missing 8 172 563 831 309 0 1,883 113 Total 44 903 2,086 4,152 1,118 6 8,309 760 % Missing 18.2% 19.0% 27.0% 20.0% 27.6% 0.0% 22.7% 14.9% Table D.117 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Ramsey County HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 2 40 14 188 24 0 268 11 Employment History 0 16 6 21 2 0 45 5 Credit History 3 36 29 275 64 1 408 43 Collateral 1 17 11 81 24 0 134 4 Insufficient Cash 2 4 1 22 10 0 39 2 Unverifiable Information 2 34 12 101 16 0 165 14 Credit Application Incomplete 0 38 14 111 40 0 203 13 Other 3 66 43 249 76 0 437 45 Missing 6 82 47 431 102 0 668 56 Total 19 333 177 1,479 358 1 2,367 193 % Missing 31.6% 24.6% 26.6% 29.1% 28.5% 0.0% 28.2% 29.0% ---PAGE BREAK--- FHIC Analysis of Impediments 134 Final Report: 10/27/09 Table D.118 Owner-Occupied Home Purchase Loan Applications by Reason for Denial Washington County HMDA Data 2004 - 2007 Denial Reason American Indian or Alaskan Native Asian or Pacific Islander Black White Not Provided by Applicant Not Applicable Total Hispanic (Ethnicity) Debt-to-income Ratio 1 40 20 216 29 0 306 12 Employment History 0 11 4 19 7 0 41 3 Credit History 3 35 25 237 50 1 351 19 Collateral 2 30 1 116 15 0 164 2 Insufficient Cash 0 2 2 30 4 0 38 0 Unverifiable Information 1 35 12 83 12 0 143 8 Credit Application Incomplete 0 36 13 152 25 0 226 17 Mortgage Insurance Denied 0 0 1 1 0 0 2 1 Other 3 65 13 269 47 0 397 14 Missing 5 60 35 356 115 0 571 38 Total 15 314 126 1,479 304 1 2,239 114 % Missing 33.3% 19.1% 27.8% 24.1% 37.8% 0.0% 25.5% 33.3% Table D.119 Percent Denial Rates by Income Bloomington City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 100.0% 100.0% 0.0% 100.0% 66.7% $15K - $30K 18.1% 40.4% 27.3% 54.5% 30.1% $30K - $45K 15.1% 22.4% 15.1% 12.2% 17.0% $45K - $60K 15.1% 17.1% 17.7% 22.3% 17.5% $60K - $75K 8.7% 11.9% 14.7% 11.7% 12.1% Above $75K 8.5% 12.5% 13.3% 10.2% 11.4% Data Missing 18.6% 23.2% 27.8% 20.0% 23.0% Total 12.7% 16.6% 15.8% 14.9% 15.1% Table D.120 Percent Denial Rates by Income by White Applicants Bloomington City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 100.0% 100.0% 0.0% 100.0% 83.3% $15K - $30K 17.6% 28.2% 18.2% 54.5% 25.3% $30K - $45K 13.5% 18.4% 12.1% 10.1% 14.2% $45K - $60K 11.7% 14.6% 13.2% 20.5% 14.3% $60K - $75K 7.2% 6.0% 10.3% 11.3% 8.5% Above $75K 6.6% 9.7% 9.6% 8.8% 8.8% Data Missing 14.0% 15.8% 21.8% 7.7% 16.0% Total 10.5% 12.6% 11.5% 13.2% 11.9% ---PAGE BREAK--- FHIC Analysis of Impediments 135 Final Report: 10/27/09 Table D.121 Percent Denial Rates by Income by Black Applicants Bloomington City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K . . . . . $15K - $30K 33.3% 66.7% . . 58.3% $30K - $45K 35.7% 44.4% 44.4% 40.0% 40.5% $45K - $60K 35.0% 15.0% 31.0% 40.0% 29.8% $60K - $75K 33.3% 46.2% 17.6% 0.0% 31.5% Above $75K 31.3% 52.4% 43.3% 9.1% 38.5% Data Missing 33.9% 33.3% 66.7% . 55.6% Total 100.0% 42.0% 36.3% 25.0% 36.1% Table D.122 Percent Denial Rates by Income Eden Prairie City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 0.0% 33.3% 0.0% 0.0% 12.5% $15K - $30K 10.7% 20.7% 35.7% 18.2% 19.5% $30K - $45K 9.1% 12.0% 12.0% 9.9% 10.7% $45K - $60K 8.7% 12.0% 11.2% 10.1% 10.6% $60K - $75K 8.9% 8.5% 15.3% 13.4% 11.3% Above $75K 6.0% 6.2% 8.2% 9.3% 7.4% Data Missing 14.8% 23.2% 18.3% 26.9% 19.1% Total 7.6% 8.7% 10.6% 10.3% 9.2% Table D.123 Percent Denial Rates by Income by White Applicants Eden Prairie City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 0.0% 0.0% 0.0% 0.0% 0.0% $15K - $30K 8.3% 14.8% 36.4% 18.2% 16.4% $30K - $45K 8.1% 11.4% 9.3% 9.6% 9.6% $45K - $60K 8.4% 12.6% 7.1% 8.8% 9.4% $60K - $75K 4.6% 7.4% 12.1% 6.4% 7.9% Above $75K 5.9% 4.4% 6.2% 7.6% 5.9% Data Missing 14.3% 19.5% 14.8% 20.0% 16.1% Total 6.9% 7.4% 8.0% 8.2% 7.6% Table D.124 Percent Denial Rates by Income by Black Applicants Eden Prairie City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 0.0% 0.0% . . 0.0% $15K - $30K . 100.0% . . 100.0% $30K - $45K 16.7% 100.0% 75.0% 0.0% 38.5% $45K - $60K 0.0% 30.0% 44.4% 40.0% 34.9% $60K - $75K 66.7% 30.8% 36.0% 100.0% 48.1% Above $75K 7.4% 21.2% 10.0% 5.9% 12.8% Data Missing 33.3% . 0.0% 50.0% 25.0% Total 16.7% 25.6% 23.6% 35.9% 24.7% ---PAGE BREAK--- FHIC Analysis of Impediments 136 Final Report: 10/27/09 Table D.125 Percent Denial Rates by Income Minneapolis City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 28.6% 64.9% 20.0% 68.8% 41.9% $15K - $30K 29.3% 35.6% 42.8% 30.5% 34.0% $30K - $45K 18.8% 24.8% 26.2% 20.1% 22.6% $45K - $60K 18.5% 22.7% 26.6% 25.0% 23.1% $60K - $75K 14.0% 19.5% 24.6% 23.8% 20.6% Above $75K 12.6% 16.6% 21.9% 16.8% 17.4% Data Missing 27.9% 19.6% 31.8% 24.8% 26.3% Total 16.9% 20.9% 24.9% 20.9% 21.1% Table D.126 Percent Denial Rates by Income by White Applicants Minneapolis City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 22.2% 47.1% 33.3% 66.7% 42.6% $15K - $30K 18.7% 24.2% 33.1% 22.9% 23.9% $30K - $45K 14.3% 19.3% 18.8% 13.7% 16.8% $45K - $60K 13.2% 17.0% 21.0% 18.4% 17.3% $60K - $75K 10.5% 14.9% 17.7% 14.8% 14.6% Above $75K 9.7% 12.4% 16.3% 11.2% 12.7% Data Missing 21.8% 14.7% 22.7% 18.1% 19.4% Total 12.4% 15.5% 18.6% 14.2% 15.3% Table D.127 Percent Denial Rates by Income by Black Applicants Minneapolis City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 100.0% 50.0% 40.0% 100.0% 56.3% $15K - $30K 44.7% 69.1% 68.1% 51.1% 57.0% $30K - $45K 29.5% 37.4% 48.3% 42.0% 38.7% $45K - $60K 30.5% 35.5% 40.7% 50.0% 38.1% $60K - $75K 26.4% 34.7% 47.0% 54.7% 41.5% Above $75K 33.8% 34.0% 46.6% 55.3% 41.7% Data Missing 37.5% 54.2% 72.5% 60.0% 58.1% Total 31.9% 36.9% 46.8% 51.3% 41.2% ---PAGE BREAK--- FHIC Analysis of Impediments 137 Final Report: 10/27/09 Table D.128 Percent Denial Rates by Income Minnetonka City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 0.0% 0.0% 0.0% 0.0% 0.0% $15K - $30K 25.0% 33.3% 28.6% 9.8% 23.4% $30K - $45K 7.0% 9.6% 9.1% 15.7% 8.7% $45K - $60K 9.6% 6.3% 10.9% 12.3% 10.1% $60K - $75K 5.7% 13.2% 15.5% 19.2% 11.8% Above $75K 6.4% 8.4% 14.6% 50.0% 11.9% Data Missing 16.7% 2.9% 22.9% 18.2% 22.6% Total 7.7% 9.1% 14.3% 25.0% 12.0% Table D.129 Percent Denial Rates by Income by White Applicants Minnetonka City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K . . 0.0% . 0.0% $15K - $30K 25.9% 33.3% 25.0% 0.0% 22.4% $30K - $45K 7.1% 8.8% 6.3% 8.9% 7.6% $45K - $60K 8.6% 5.1% 8.0% 15.7% 8.7% $60K - $75K 4.9% 12.6% 15.0% 7.4% 10.3% Above $75K 5.6% 6.0% 9.7% 13.5% 8.4% Data Missing 17.1% 0.0% 11.4% 57.7% 19.8% Total 7.2% 7.3% 10.3% 14.1% 9.3% Table D.130 Percent Denial Rates by Income by Black Applicants Minnetonka City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K . . 0.0% . 0.0% $15K - $30K . 0.0% 0.0% . 0.0% $30K - $45K 0.0% 0.0% . 50.0% 9.1% $45K - $60K 33.3% 100.0% 100.0% . 60.0% $60K - $75K 0.0% 0.0% 0.0% 40.0% 14.3% Above $75K 25.0% 25.0% 60.0% 47.6% 43.1% Data Missing 18.2% 0.0% 80.0% . 66.7% Total 25.9% 16.0% 56.7% 46.4% 36.2% ---PAGE BREAK--- FHIC Analysis of Impediments 138 Final Report: 10/27/09 Table D.131 Percent Denial Rates by Income Plymouth City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 25.0% 60.0% 0.0% 100.0% 43.8% $15K - $30K 16.0% 27.3% 23.5% 18.2% 21.1% $30K - $45K 11.1% 12.4% 16.8% 8.2% 12.0% $45K - $60K 5.5% 13.8% 9.3% 9.4% 9.5% $60K - $75K 8.3% 12.7% 11.9% 8.1% 10.6% Above $75K 7.1% 8.5% 9.8% 9.6% 8.7% Data Missing 8.6% 15.0% 12.8% 11.1% 11.8% Total 7.9% 11.2% 10.8% 9.7% 9.9% Table D.132 Percent Denial Rates by Income by White Applicants Plymouth City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 25.0% 60.0% 0.0% 100.0% 40.0% $15K - $30K 7.0% 21.6% 23.5% 15.0% 15.4% $30K - $45K 10.7% 9.7% 17.8% 6.7% 11.0% $45K - $60K 3.4% 13.1% 7.0% 7.3% 7.9% $60K - $75K 7.5% 13.2% 7.4% 9.4% 9.7% Above $75K 5.3% 7.9% 8.8% 6.8% 7.3% Data Missing 5.6% 9.6% 8.1% 4.5% 7.3% Total 6.2% 10.2% 9.3% 7.5% 8.4% Table D.133 Percent Denial Rates by Income by Black Applicants Plymouth City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K . . . 100.0% 100.0% $15K - $30K 66.7% . . 0.0% 50.0% $30K - $45K 42.9% 100.0% 0.0% 0.0% 28.6% $45K - $60K 0.0% 25.0% 16.7% 15.4% 18.2% $60K - $75K 16.7% 0.0% 75.0% 11.1% 21.1% Above $75K 5.0% 12.5% 13.3% 27.8% 14.0% Data Missing 0.0% . 25.0% . 16.7% Total 17.5% 13.3% 23.5% 20.0% 18.4% ---PAGE BREAK--- FHIC Analysis of Impediments 139 Final Report: 10/27/09 Table D.134 Percent Denial Rates by Income St. Paul City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 50.0% 57.1% 21.6% 75.0% 42.9% $15K - $30K 30.2% 35.3% 34.9% 41.3% 34.5% $30K - $45K 15.8% 23.4% 24.1% 24.7% 21.4% $45K - $60K 18.2% 19.6% 23.5% 26.5% 21.3% $60K - $75K 14.6% 18.9% 23.3% 22.6% 20.0% Above $75K 10.8% 17.8% 19.2% 18.5% 16.9% Data Missing 26.1% 25.9% 27.5% 34.2% 27.7% Total 16.6% 20.8% 22.8% 24.2% 20.8% Table D.135 Percent Denial Rates by Income by White Applicants St. Paul City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 60.0% 30.8% 30.0% 57.1% 42.5% $15K - $30K 22.7% 30.3% 26.9% 33.1% 27.4% $30K - $45K 11.6% 18.5% 21.2% 20.9% 17.3% $45K - $60K 11.8% 14.1% 16.8% 19.8% 15.1% $60K - $75K 9.6% 13.2% 15.7% 14.7% 13.4% Above $75K 8.7% 10.7% 13.6% 11.7% 11.2% Data Missing 19.1% 19.1% 22.9% 21.7% 20.6% Total 11.7% 14.9% 17.0% 17.2% 15.0% Table D.136 Percent Denial Rates by Income by Black Applicants St. Paul City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 100.0% 100.0% 50.0% 100.0% 88.9% $15K - $30K 46.2% 44.1% 58.1% 54.5% 50.0% $30K - $45K 30.7% 38.3% 30.5% 43.3% 35.1% $45K - $60K 22.8% 24.4% 38.3% 45.1% 30.5% $60K - $75K 24.2% 22.4% 34.6% 38.8% 30.0% Above $75K 24.4% 36.0% 40.0% 60.5% 40.5% Data Missing 14.3% 16.7% 32.0% 60.0% 31.5% Total 28.3% 31.0% 37.6% 49.1% 35.2% ---PAGE BREAK--- FHIC Analysis of Impediments 140 Final Report: 10/27/09 Table D.137 Percent Denial Rates by Income Woodbury City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 35.3% . 0.0% . 26.1% $15K - $30K 10.3% 17.1% 4.3% 15.0% 12.2% $30K - $45K 8.9% 13.3% 9.5% 11.2% 10.7% $45K - $60K 10.6% 15.1% 15.7% 8.5% 12.9% $60K - $75K 7.2% 11.2% 12.8% 15.1% 11.1% Above $75K 6.2% 8.7% 10.3% 14.5% 9.8% Data Missing 14.5% 16.7% 11.7% 29.7% 16.0% Total 8.1% 11.0% 11.4% 13.8% 10.9% Table D.138 Percent Denial Rates by Income by White Applicants Woodbury City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 30.0% . 0.0% . 23.1% $15K - $30K 8.8% 15.2% 4.3% 7.7% 9.7% $30K - $45K 6.6% 9.7% 6.8% 9.6% 8.1% $45K - $60K 6.4% 11.5% 13.1% 6.6% 9.5% $60K - $75K 6.4% 7.4% 10.2% 9.2% 8.1% Above $75K 4.6% 5.6% 7.9% 11.7% 7.3% Data Missing 10.9% 15.4% 9.6% 29.4% 13.3% Total 5.9% 7.8% 8.9% 10.6% 8.1% Table D.139 Percent Denial Rates by Income by Black Applicants Woodbury City HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 50.0% . . . 50.0% $15K - $30K 50.0% 33.3% . 7.7% 50.0% $30K - $45K 23.1% 35.0% 25.0% 9.6% 27.1% $45K - $60K 26.3% 33.3% 27.6% 6.6% 28.4% $60K - $75K 3.7% 25.0% 15.4% 9.2% 20.4% Above $75K 17.4% 27.3% 31.0% 11.7% 27.6% Data Missing 100.0% 66.7% 0.0% 29.4% 30.8% Total 18.9% 30.0% 26.5% 10.6% 26.7% ---PAGE BREAK--- FHIC Analysis of Impediments 141 Final Report: 10/27/09 Table D.140 Percent Denial Rates by Income Anoka County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 46.2% 77.4% 42.3% 54.5% 55.1% $15K - $30K 37.7% 47.0% 44.1% 49.1% 43.7% $30K - $45K 17.0% 19.4% 22.0% 21.6% 19.4% $45K - $60K 14.5% 17.4% 16.8% 18.7% 16.6% $60K - $75K 9.7% 12.8% 19.5% 16.4% 14.2% Above $75K 9.9% 13.7% 16.9% 18.7% 14.5% Data Missing 17.3% 18.7% 23.0% 29.7% 20.9% Total 14.1% 16.9% 19.1% 20.5% 17.2% Table D.141 Percent Denial Rates by Income by White Applicants Anoka County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 43.3% 75.0% 63.6% 60.0% 58.7% $15K - $30K 34.0% 45.1% 38.1% 48.8% 40.8% $30K - $45K 15.3% 17.4% 19.5% 19.1% 17.4% $45K - $60K 13.2% 15.2% 14.4% 17.7% 14.8% $60K - $75K 8.6% 10.3% 17.6% 13.5% 12.1% Above $75K 8.2% 10.3% 13.6% 13.4% 11.2% Data Missing 10.0% 13.6% 17.5% 22.9% 14.8% Total 12.4% 14.3% 16.3% 17.5% 14.7% Table D.142 Percent Denial Rates by Income by Black Applicants Anoka County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K . 100.0% 0.0% 0.0% 20.0% $15K - $30K 88.9% 41.7% 66.7% 33.3% 61.9% $30K - $45K 27.4% 31.1% 45.0% 36.0% 34.2% $45K - $60K 22.6% 24.1% 31.6% 30.9% 26.9% $60K - $75K 10.8% 20.2% 25.2% 37.9% 23.2% Above $75K 19.4% 32.9% 36.8% 52.6% 36.2% Data Missing 38.9% 33.3% 30.4% 28.6% 33.3% Total 22.8% 27.4% 33.7% 40.8% 30.6% ---PAGE BREAK--- FHIC Analysis of Impediments 142 Final Report: 10/27/09 Table D.143 Percent Denial Rates by Income Carver County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 0.0% 40.0% 50.0% 100.0% 37.5% $15K - $30K 28.0% 35.9% 30.8% 25.0% 30.7% $30K - $45K 13.8% 14.6% 19.3% 18.1% 15.9% $45K - $60K 11.3% 10.8% 11.5% 16.2% 11.8% $60K - $75K 7.4% 11.2% 10.1% 13.0% 10.2% Above $75K 5.7% 7.0% 11.6% 11.8% 9.0% Data Missing 15.9% 13.2% 17.8% 34.8% 18.2% Total 9.2% 10.4% 12.9% 14.1% 11.3% Table D.144 Percent Denial Rates by Income by White Applicants Carver County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 0.0% 25.0% 50.0% 100.0% 30.8% $15K - $30K 26.1% 31.9% 23.9% 25.8% 27.4% $30K - $45K 12.5% 12.7% 16.7% 17.6% 14.2% $45K - $60K 10.7% 8.9% 10.3% 15.3% 10.6% $60K - $75K 5.0% 8.6% 8.5% 13.2% 8.4% Above $75K 5.4% 6.6% 9.1% 8.7% 7.4% Data Missing 8.9% 11.4% 13.3% 26.3% 13.1% Total 8.0% 9.0% 10.5% 12.1% 9.6% Table D.145 Percent Denial Rates by Income by Black Applicants Carver County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K . . . . . $15K - $30K 0.0% . 0.0% . 0.0% $30K - $45K 0.0% . 100.0% 0.0% 20.0% $45K - $60K 11.1% 31.3% 20.0% 50.0% 26.5% $60K - $75K 50.0% 50.0% 0.0% 28.6% 42.9% Above $75K 18.2% 35.3% 40.0% . 34.1% Data Missing 21.4% . 0.0% . 0.0% Total 0.0% 35.9% 35.3% 28.6% 31.7% ---PAGE BREAK--- FHIC Analysis of Impediments 143 Final Report: 10/27/09 Table D.146 Percent Denial Rates by Income Dakota County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 39.4% 50.0% 25.0% 30.8% 36.0% $15K - $30K 22.2% 36.3% 26.3% 26.5% 27.8% $30K - $45K 12.0% 17.3% 16.1% 16.0% 15.1% $45K - $60K 10.7% 14.8% 15.2% 14.2% 13.5% $60K - $75K 8.9% 10.5% 14.3% 12.1% 11.2% Above $75K 7.7% 10.5% 12.3% 11.4% 10.4% Data Missing 12.3% 18.8% 18.5% 21.6% 17.2% Total 10.1% 13.7% 14.3% 13.5% 12.7% Table D.147 Percent Denial Rates by Income by White Applicants Dakota County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 47.4% 38.1% 27.3% 38.7% $15K - $30K 57.1% 30.0% 25.9% 22.7% 23.8% $30K - $45K 30.2% 15.1% 13.7% 14.9% 12.9% $45K - $60K 27.1% 12.5% 11.6% 11.4% 11.0% $60K - $75K 34.6% 8.6% 12.6% 9.4% 9.2% Above $75K 21.9% 8.7% 9.8% 8.8% 8.5% Data Missing 14.3% 18.5% 14.9% 16.3% 14.6% Total 27.4% 11.5% 11.8% 11.0% 10.6% Table D.148 Percent Denial Rates by Income by Black Applicants Dakota County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 50.0% . 100.0% 50.0% 60.0% $15K - $30K 66.7% 57.1% 14.3% 28.6% 45.9% $30K - $45K 18.2% 30.2% 37.5% 38.5% 28.9% $45K - $60K 17.7% 27.1% 32.0% 31.9% 27.1% $60K - $75K 21.1% 34.6% 26.0% 43.8% 29.8% Above $75K 14.3% 21.9% 34.6% 38.7% 26.6% Data Missing 0.0% 14.3% 28.0% 33.3% 20.8% Total 18.1% 27.4% 32.1% 37.5% 28.0% ---PAGE BREAK--- FHIC Analysis of Impediments 144 Final Report: 10/27/09 Table D.149 Percent Denial Rates by Income Hennepin County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 28.0% 50.0% 16.4% 55.6% 28.6% $15K - $30K 24.6% 36.1% 33.6% 39.7% 32.1% $30K - $45K 15.8% 19.7% 20.8% 19.5% 18.6% $45K - $60K 13.5% 17.5% 22.0% 20.1% 18.0% $60K - $75K 11.4% 15.3% 20.4% 20.0% 16.5% Above $75K 8.9% 12.0% 15.5% 16.8% 13.2% Data Missing 16.8% 20.1% 25.9% 23.6% 21.5% Total 12.4% 15.9% 19.1% 19.0% 16.4% Table D.150 Percent Denial Rates by Income by White Applicants Hennepin County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 26.7% 37.5% 26.1% 33.3% 30.0% $15K - $30K 21.7% 26.2% 20.1% 34.0% 24.6% $30K - $45K 12.2% 14.7% 14.5% 15.2% 13.9% $45K - $60K 10.6% 12.3% 14.8% 14.0% 12.7% $60K - $75K 9.2% 9.7% 13.0% 13.1% 11.0% Above $75K 6.9% 8.6% 10.3% 10.5% 9.0% Data Missing 12.2% 15.5% 21.4% 18.1% 16.6% Total 9.7% 11.2% 12.8% 12.9% 11.5% Table D.151 Percent Denial Rates by Income by Black Applicants Hennepin County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 100.0% . 50.0% . 57.1% $15K - $30K 42.9% 65.9% 69.2% 61.9% 60.3% $30K - $45K 25.8% 33.3% 41.8% 39.9% 34.5% $45K - $60K 20.9% 28.4% 39.1% 43.7% 32.7% $60K - $75K 18.1% 29.2% 35.6% 43.0% 32.1% Above $75K 24.5% 27.1% 38.5% 51.7% 36.1% Data Missing 28.1% 31.0% 39.0% 62.5% 36.7% Total 23.2% 29.9% 39.0% 46.4% 34.5% ---PAGE BREAK--- FHIC Analysis of Impediments 145 Final Report: 10/27/09 Table D.152 Percent Denial Rates by Income Ramsey County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 41.2% 50.0% 28.6% 85.7% 48.8% $15K - $30K 23.8% 51.2% 34.7% 46.2% 38.2% $30K - $45K 16.8% 19.5% 15.5% 18.6% 17.6% $45K - $60K 10.2% 15.8% 18.4% 17.4% 15.2% $60K - $75K 9.5% 14.2% 13.8% 11.7% 12.5% Above $75K 6.7% 11.0% 14.2% 13.7% 11.5% Data Missing 16.3% 13.5% 24.7% 15.5% 18.3% Total 11.3% 16.1% 16.3% 16.1% 14.9% Table D.153 Percent Denial Rates by Income by White Applicants Ramsey County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 42.9% 71.4% 33.3% 100.0% 57.6% $15K - $30K 21.7% 45.5% 32.4% 44.9% 34.5% $30K - $45K 14.2% 15.4% 15.1% 17.0% 15.2% $45K - $60K 7.2% 12.0% 15.5% 15.4% 12.2% $60K - $75K 7.2% 12.1% 10.0% 7.5% 9.3% Above $75K 5.5% 8.2% 10.8% 9.0% 8.4% Data Missing 12.4% 6.9% 19.8% 13.0% 13.2% Total 9.2% 12.7% 13.4% 12.8% 12.0% Table D.154 Percent Denial Rates by Income by Black Applicants Ramsey County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K . 100.0% . . 100.0% $15K - $30K 50.0% 83.3% 71.4% 66.7% 61.1% $30K - $45K 50.0% 23.5% 45.5% 17.6% 25.9% $45K - $60K 7.9% 30.0% 15.4% 14.7% 25.5% $60K - $75K 15.4% 13.2% 12.0% 33.3% 25.4% Above $75K 18.2% 19.1% 12.1% 73.5% 29.6% Data Missing 50.0% 0.0% 8.2% 0.0% 14.3% Total 21.8% 24.4% 6.9% 37.2% 27.5% ---PAGE BREAK--- FHIC Analysis of Impediments 146 Final Report: 10/27/09 Table D.155 Percent Denial Rates by Income Washington County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 25.0% 40.0% 14.3% 71.4% 31.4% $15K - $30K 30.4% 40.7% 26.5% 27.6% 32.1% $30K - $45K 12.8% 17.8% 14.6% 13.4% 14.9% $45K - $60K 10.6% 14.5% 14.8% 16.3% 13.7% $60K - $75K 9.6% 14.0% 15.1% 11.1% 12.7% Above $75K 7.2% 11.0% 13.1% 13.3% 11.1% Data Missing 24.2% 13.9% 25.2% 24.8% 22.1% Total 10.8% 14.2% 14.8% 14.5% 13.5% Table D.156 Percent Denial Rates by Income by White Applicants Washington County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 30.8% 37.5% 20.0% 60.0% 33.3% $15K - $30K 29.9% 34.2% 25.6% 28.4% 30.0% $30K - $45K 12.2% 15.5% 11.7% 12.0% 13.1% $45K - $60K 9.6% 12.2% 12.3% 13.5% 11.7% $60K - $75K 7.6% 11.5% 14.3% 6.1% 10.3% Above $75K 5.7% 8.7% 10.0% 9.3% 8.4% Data Missing 19.6% 10.5% 14.4% 18.3% 15.4% Total 9.3% 11.8% 12.0% 10.9% 11.0% Table D.157 Percent Denial Rates by Income by Black Applicants Washington County HMDA Data 2004 - 2007 Income 2004 2005 2006 2007 Total $15K 0.0% . . . 0.0% $15K - $30K 57.1% 100.0% 0.0% 100.0% 50.0% $30K - $45K 15.4% 25.9% 16.7% 25.0% 21.0% $45K - $60K 3.7% 21.7% 25.9% 44.4% 22.6% $60K - $75K 6.3% 21.7% 33.3% 18.8% 22.8% Above $75K 11.6% 18.9% 26.5% 42.5% 24.9% Data Missing 0.0% 0.0% 50.0% 0.0% 22.2% Total 11.8% 22.5% 26.7% 37.5% 23.9% ---PAGE BREAK--- FHIC Analysis of Impediments 147 Final Report: 10/27/09 Table D.158 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Fair Housing Implementation Council HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 125 75 201 30 431 Application Denied 72 104 56 50 282 $15,000 or less Denial Rate % 36.5% 58.1% 21.8% 62.5% 39.6% Loan Originated 2,059 1,492 1,038 894 5,483 Application Denied 780 942 548 507 2,777 More than $15,000 up to $30,000 Denial Rate % 27.5% 38.7% 34.6% 36.2% 33.6% Loan Originated 10,855 9,930 6,695 4,912 32,392 Application Denied 1,938 2,461 1,687 1,128 7,214 More than $30,000 up to $45,000 Denial Rate % 15.1% 19.9% 20.1% 18.7% 18.2% Loan Originated 13,516 14,900 11,391 6,710 46,517 Application Denied 2,117 3,121 2,767 1,608 9,613 More than $45,000 up to $60,000 Denial Rate % 13.5% 17.3% 19.5% 19.3% 17.1% Loan Originated 9,682 10,962 9,425 5,805 35,874 Application Denied 1,132 1,832 2,144 1,173 6,281 More than $60,000 up to $75,000 Denial Rate % 10.5% 14.3% 18.5% 16.8% 14.9% Loan Originated 22,160 26,145 24,659 16,851 89,815 Application Denied 2,078 3,594 4,415 2,944 13,031 More than $75,000 Denial Rate % 8.6% 12.1% 15.2% 14.9% 12.7% Loan Originated 2,082 2,053 2,100 952 7,187 Application Denied 474 473 660 331 1,938 Data Missing Denial Rate % 18.5% 18.7% 23.9% 25.8% 21.2% Loan Originated 60,479 65,557 55,509 36,154 217,699 Total Application Denied 8,591 12,527 12,277 7,741 41,136 Denial Rate % 12.4% 16.0% 18.1% 17.6% 15.9% ---PAGE BREAK--- FHIC Analysis of Impediments 148 Final Report: 10/27/09 Table D.159 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Bloomington City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 0 0 3 0 3 Application Denied 3 2 0 1 6 $15,000 or less Denial Rate % 100.0% 100.0% 0.0% 100.0% 66.7% Loan Originated 68 34 32 10 144 Application Denied 15 23 12 12 62 More than $15,000 up to $30,000 Denial Rate % 18.1% 40.4% 27.3% 54.5% 30.1% Loan Originated 253 222 152 122 749 Application Denied 45 64 27 17 153 More than $30,000 up to $45,000 Denial Rate % 15.1% 22.4% 15.1% 12.2% 17.0% Loan Originated 354 358 289 171 1,172 Application Denied 63 74 62 49 248 More than $45,000 up to $60,000 Denial Rate % 15.1% 17.1% 17.7% 22.3% 17.5% Loan Originated 200 258 279 143 880 Application Denied 19 35 48 19 121 More than $60,000 up to $75,000 Denial Rate % 8.7% 11.9% 14.7% 11.7% 12.1% Loan Originated 418 518 540 360 1,836 Application Denied 39 74 83 41 237 More than $75,000 Denial Rate % 8.5% 12.5% 13.3% 10.2% 11.4% Loan Originated 48 53 52 28 181 Application Denied 11 16 20 7 54 Data Missing Denial Rate % 18.6% 23.2% 27.8% 20.0% 23.0% Loan Originated 1,341 1,443 1,347 834 4,965 Total Application Denied 195 288 252 146 881 Denial Rate % 12.7% 16.6% 15.8% 14.9% 15.1% ---PAGE BREAK--- FHIC Analysis of Impediments 149 Final Report: 10/27/09 Table D.160 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Eden Prairie City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 2 2 2 1 7 Application Denied 0 1 0 0 1 $15,000 or less Denial Rate % 0.0% 33.3% 0.0% 0.0% 12.5% Loan Originated 25 23 9 9 66 Application Denied 3 6 5 2 16 More than $15,000 up to $30,000 Denial Rate % 10.7% 20.7% 35.7% 18.2% 19.5% Loan Originated 199 161 95 73 528 Application Denied 20 22 13 8 63 More than $30,000 up to $45,000 Denial Rate % 9.1% 12.0% 12.0% 9.9% 10.7% Loan Originated 221 243 221 142 827 Application Denied 21 33 28 16 98 More than $45,000 up to $60,000 Denial Rate % 8.7% 12.0% 11.2% 10.1% 10.6% Loan Originated 185 238 211 110 744 Application Denied 18 22 38 17 95 More than $60,000 up to $75,000 Denial Rate % 8.9% 8.5% 15.3% 13.4% 11.3% Loan Originated 902 980 924 732 3,538 Application Denied 58 65 83 75 281 More than $75,000 Denial Rate % 6.0% 6.2% 8.2% 9.3% 7.4% Loan Originated 75 43 58 19 195 Application Denied 13 13 13 7 46 Data Missing Denial Rate % 14.8% 23.2% 18.3% 26.9% 19.1% Loan Originated 1,609 1,690 1,520 1,086 5,905 Total Application Denied 133 162 180 125 600 Denial Rate % 7.6% 8.7% 10.6% 10.3% 9.2% ---PAGE BREAK--- FHIC Analysis of Impediments 150 Final Report: 10/27/09 Table D.161 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Minneapolis City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 10 13 40 5 68 Application Denied 4 24 10 11 49 $15,000 or less Denial Rate % 28.6% 64.9% 20.0% 68.8% 41.9% Loan Originated 306 253 143 162 864 Application Denied 127 140 107 71 445 More than $15,000 up to $30,000 Denial Rate % 29.3% 35.6% 42.8% 30.5% 34.0% Loan Originated 1,490 1,488 1,068 757 4,803 Application Denied 345 491 379 190 1,405 More than $30,000 up to $45,000 Denial Rate % 18.8% 24.8% 26.2% 20.1% 22.6% Loan Originated 1,657 2,123 1,668 997 6,445 Application Denied 375 623 605 333 1,936 More than $45,000 up to $60,000 Denial Rate % 18.5% 22.7% 26.6% 25.0% 23.1% Loan Originated 1,130 1,462 1,345 796 4,733 Application Denied 184 355 439 248 1,226 More than $60,000 up to $75,000 Denial Rate % 14.0% 19.5% 24.6% 23.8% 20.6% Loan Originated 2,465 3,316 3,195 2,338 11,314 Application Denied 356 661 898 472 2,387 More than $75,000 Denial Rate % 12.6% 16.6% 21.9% 16.8% 17.4% Loan Originated 246 279 255 158 938 Application Denied 95 68 119 52 334 Data Missing Denial Rate % 27.9% 19.6% 31.8% 24.8% 26.3% Loan Originated 7,304 8,934 7,714 5,213 29,165 Total Application Denied 1,486 2,362 2,557 1,377 7,782 Denial Rate % 16.9% 20.9% 24.9% 20.9% 21.1% ---PAGE BREAK--- FHIC Analysis of Impediments 151 Final Report: 10/27/09 Table D.162 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Minnetonka City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 1 1 4 0 6 Application Denied 0 0 0 0 0 $15,000 or less Denial Rate % 0.0% 0.0% 0.0% . 0.0% Loan Originated 21 10 15 13 59 Application Denied 7 5 6 0 18 More than $15,000 up to $30,000 Denial Rate % 25.0% 33.3% 28.6% 0.0% 23.4% Loan Originated 119 113 100 46 378 Application Denied 9 12 10 5 36 More than $30,000 up to $45,000 Denial Rate % 7.0% 9.6% 9.1% 9.8% 8.7% Loan Originated 122 118 115 70 425 Application Denied 13 8 14 13 48 More than $45,000 up to $60,000 Denial Rate % 9.6% 6.3% 10.9% 15.7% 10.1% Loan Originated 132 118 136 107 493 Application Denied 8 18 25 15 66 More than $60,000 up to $75,000 Denial Rate % 5.7% 13.2% 15.5% 12.3% 11.8% Loan Originated 545 536 527 396 2,004 Application Denied 37 49 90 94 270 More than $75,000 Denial Rate % 6.4% 8.4% 14.6% 19.2% 11.9% Loan Originated 40 33 37 17 127 Application Denied 8 1 11 17 37 Data Missing Denial Rate % 16.7% 2.9% 22.9% 50.0% 22.6% Loan Originated 980 929 934 649 3,492 Total Application Denied 82 93 156 144 475 Denial Rate % 7.7% 9.1% 14.3% 18.2% 12.0% ---PAGE BREAK--- FHIC Analysis of Impediments 152 Final Report: 10/27/09 Table D.163 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Plymouth City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 6 2 1 0 9 Application Denied 2 3 0 2 7 $15,000 or less Denial Rate % 25.0% 60.0% 0.0% 100.0% 43.8% Loan Originated 42 32 13 18 105 Application Denied 8 12 4 4 28 More than $15,000 up to $30,000 Denial Rate % 16.0% 27.3% 23.5% 18.2% 21.1% Loan Originated 201 156 84 78 519 Application Denied 25 22 17 7 71 More than $30,000 up to $45,000 Denial Rate % 11.1% 12.4% 16.8% 8.2% 12.0% Loan Originated 259 238 166 126 789 Application Denied 15 38 17 13 83 More than $45,000 up to $60,000 Denial Rate % 5.5% 13.8% 9.3% 9.4% 9.5% Loan Originated 187 226 185 125 723 Application Denied 17 33 25 11 86 More than $60,000 up to $75,000 Denial Rate % 8.3% 12.7% 11.9% 8.1% 10.6% Loan Originated 758 851 791 583 2,983 Application Denied 58 79 86 62 285 More than $75,000 Denial Rate % 7.1% 8.5% 9.8% 9.6% 8.7% Loan Originated 64 51 41 24 180 Application Denied 6 9 6 3 24 Data Missing Denial Rate % 8.6% 15.0% 12.8% 11.1% 11.8% Loan Originated 1,517 1,556 1,281 954 5,308 Total Application Denied 131 196 155 102 584 Denial Rate % 7.9% 11.2% 10.8% 9.7% 9.9% ---PAGE BREAK--- FHIC Analysis of Impediments 153 Final Report: 10/27/09 Table D.164 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied St. Paul City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 7 9 29 3 48 Application Denied 7 12 8 9 36 $15,000 or less Denial Rate % 50.0% 57.1% 21.6% 75.0% 42.9% Loan Originated 278 180 153 125 736 Application Denied 120 98 82 88 388 More than $15,000 up to $30,000 Denial Rate % 30.2% 35.3% 34.9% 41.3% 34.5% Loan Originated 1,244 1,170 801 515 3,730 Application Denied 234 357 254 169 1,014 More than $30,000 up to $45,000 Denial Rate % 15.8% 23.4% 24.1% 24.7% 21.4% Loan Originated 1,224 1,655 1,263 633 4,775 Application Denied 273 404 387 228 1,292 More than $45,000 up to $60,000 Denial Rate % 18.2% 19.6% 23.5% 26.5% 21.3% Loan Originated 668 823 832 480 2,803 Application Denied 114 192 253 140 699 More than $60,000 up to $75,000 Denial Rate % 14.6% 18.9% 23.3% 22.6% 20.0% Loan Originated 1,177 1,533 1,546 971 5,227 Application Denied 142 333 367 220 1,062 More than $75,000 Denial Rate % 10.8% 17.8% 19.2% 18.5% 16.9% Loan Originated 164 149 171 75 559 Application Denied 58 52 65 39 214 Data Missing Denial Rate % 26.1% 25.9% 27.5% 34.2% 27.7% Loan Originated 4,762 5,519 4,795 2,802 17,878 Total Application Denied 948 1,448 1,416 893 4,705 Denial Rate % 16.6% 20.8% 22.8% 24.2% 20.8% ---PAGE BREAK--- FHIC Analysis of Impediments 154 Final Report: 10/27/09 Table D.165 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Woodbury City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 11 0 6 0 17 Application Denied 6 0 0 0 6 $15,000 or less Denial Rate % 35.3% . 0.0% . 26.1% Loan Originated 35 34 22 17 108 Application Denied 4 7 1 3 15 More than $15,000 up to $30,000 Denial Rate % 10.3% 17.1% 4.3% 15.0% 12.2% Loan Originated 246 216 153 127 742 Application Denied 24 33 16 16 89 More than $30,000 up to $45,000 Denial Rate % 8.9% 13.3% 9.5% 11.2% 10.7% Loan Originated 319 337 268 204 1,128 Application Denied 38 60 50 19 167 More than $45,000 up to $60,000 Denial Rate % 10.6% 15.1% 15.7% 8.5% 12.9% Loan Originated 285 348 246 157 1,036 Application Denied 22 44 36 28 130 More than $60,000 up to $75,000 Denial Rate % 7.2% 11.2% 12.8% 15.1% 11.1% Loan Originated 942 1,179 1,075 754 3,950 Application Denied 62 113 124 128 427 More than $75,000 Denial Rate % 6.2% 8.7% 10.3% 14.5% 9.8% Loan Originated 65 70 91 26 252 Application Denied 11 14 12 11 48 Data Missing Denial Rate % 14.5% 16.7% 11.7% 29.7% 16.0% Loan Originated 1,903 2,184 1,861 1,285 7,233 Total Application Denied 167 271 239 205 882 Denial Rate % 8.1% 11.0% 11.4% 13.8% 10.9% ---PAGE BREAK--- FHIC Analysis of Impediments 155 Final Report: 10/27/09 Table D.166 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Anoka County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 21 7 15 5 48 Application Denied 18 24 11 6 59 $15,000 or less Denial Rate % 46.2% 77.4% 42.3% 54.5% 55.1% Loan Originated 276 205 128 116 725 Application Denied 167 182 101 112 562 More than $15,000 up to $30,000 Denial Rate % 37.7% 47.0% 44.1% 49.1% 43.7% Loan Originated 1,646 1,479 894 654 4,673 Application Denied 336 355 252 180 1,123 More than $30,000 up to $45,000 Denial Rate % 17.0% 19.4% 22.0% 21.6% 19.4% Loan Originated 2,038 2,176 1,555 913 6,682 Application Denied 347 458 315 210 1,330 More than $45,000 up to $60,000 Denial Rate % 14.5% 17.4% 16.8% 18.7% 16.6% Loan Originated 1,542 1,670 1,248 749 5,209 Application Denied 166 246 303 147 862 More than $60,000 up to $75,000 Denial Rate % 9.7% 12.8% 19.5% 16.4% 14.2% Loan Originated 2,568 3,111 2,694 1,556 9,929 Application Denied 283 492 548 358 1,681 More than $75,000 Denial Rate % 9.9% 13.7% 16.9% 18.7% 14.5% Loan Originated 273 292 248 104 917 Application Denied 57 67 74 44 242 Data Missing Denial Rate % 17.3% 18.7% 23.0% 29.7% 20.9% Loan Originated 8,364 8,940 6,782 4,097 28,183 Total Application Denied 1,374 1,824 1,604 1,057 5,859 Denial Rate % 14.1% 16.9% 19.1% 20.5% 17.2% ---PAGE BREAK--- FHIC Analysis of Impediments 156 Final Report: 10/27/09 Table D.167 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Carver County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 4 3 3 0 10 Application Denied 0 2 3 1 6 $15,000 or less Denial Rate % 0.0% 40.0% 50.0% 100.0% 37.5% Loan Originated 54 50 36 27 167 Application Denied 21 28 16 9 74 More than $15,000 up to $30,000 Denial Rate % 28.0% 35.9% 30.8% 25.0% 30.7% Loan Originated 344 299 217 158 1,018 Application Denied 55 51 52 35 193 More than $30,000 up to $45,000 Denial Rate % 13.8% 14.6% 19.3% 18.1% 15.9% Loan Originated 463 528 355 186 1,532 Application Denied 59 64 46 36 205 More than $45,000 up to $60,000 Denial Rate % 11.3% 10.8% 11.5% 16.2% 11.8% Loan Originated 365 451 329 207 1,352 Application Denied 29 57 37 31 154 More than $60,000 up to $75,000 Denial Rate % 7.4% 11.2% 10.1% 13.0% 10.2% Loan Originated 1,200 1,279 1,291 886 4,656 Application Denied 73 97 170 118 458 More than $75,000 Denial Rate % 5.7% 7.0% 11.6% 11.8% 9.0% Loan Originated 90 79 88 30 287 Application Denied 17 12 19 16 64 Data Missing Denial Rate % 15.9% 13.2% 17.8% 34.8% 18.2% Loan Originated 2,520 2,689 2,319 1,494 9,022 Total Application Denied 254 311 343 246 1,154 Denial Rate % 9.2% 10.4% 12.9% 14.1% 11.3% ---PAGE BREAK--- FHIC Analysis of Impediments 157 Final Report: 10/27/09 Table D.168 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Dakota County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 20 14 30 9 73 Application Denied 13 14 10 4 41 $15,000 or less Denial Rate % 39.4% 50.0% 25.0% 30.8% 36.0% Loan Originated 319 221 157 169 866 Application Denied 91 126 56 61 334 More than $15,000 up to $30,000 Denial Rate % 22.2% 36.3% 26.3% 26.5% 27.8% Loan Originated 1,899 1,664 1,072 811 5,446 Application Denied 259 347 205 154 965 More than $30,000 up to $45,000 Denial Rate % 12.0% 17.3% 16.1% 16.0% 15.1% Loan Originated 2,491 2,364 1,814 1,052 7,721 Application Denied 300 410 325 174 1,209 More than $45,000 up to $60,000 Denial Rate % 10.7% 14.8% 15.2% 14.2% 13.5% Loan Originated 1,882 1,827 1,525 1,007 6,241 Application Denied 184 214 254 139 791 More than $60,000 up to $75,000 Denial Rate % 8.9% 10.5% 14.3% 12.1% 11.2% Loan Originated 3,932 4,277 3,847 2,662 14,718 Application Denied 326 503 539 341 1,709 More than $75,000 Denial Rate % 7.7% 10.5% 12.3% 11.4% 10.4% Loan Originated 363 346 358 138 1,205 Application Denied 51 80 81 38 250 Data Missing Denial Rate % 12.3% 18.8% 18.5% 21.6% 17.2% Loan Originated 10,906 10,713 8,803 5,848 36,270 Total Application Denied 1,224 1,694 1,470 911 5,299 Denial Rate % 10.1% 13.7% 14.3% 13.5% 12.7% ---PAGE BREAK--- FHIC Analysis of Impediments 158 Final Report: 10/27/09 Table D.169 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Hennepin County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 18 12 51 4 85 Application Denied 7 12 10 5 34 $15,000 or less Denial Rate % 28.0% 50.0% 16.4% 55.6% 28.6% Loan Originated 362 265 174 123 924 Application Denied 118 150 88 81 437 More than $15,000 up to $30,000 Denial Rate % 24.6% 36.1% 33.6% 39.7% 32.1% Loan Originated 1,914 1,717 1,149 866 5,646 Application Denied 358 421 301 210 1,290 More than $30,000 up to $45,000 Denial Rate % 15.8% 19.7% 20.8% 19.5% 18.6% Loan Originated 2,643 2,902 2,227 1,357 9,129 Application Denied 413 617 629 342 2,001 More than $45,000 up to $60,000 Denial Rate % 13.5% 17.5% 22.0% 20.1% 18.0% Loan Originated 1,879 2,149 1,879 1,071 6,978 Application Denied 241 387 482 268 1,378 More than $60,000 up to $75,000 Denial Rate % 11.4% 15.3% 20.4% 20.0% 16.5% Loan Originated 4,417 5,235 5,073 3,527 18,252 Application Denied 431 716 930 710 2,787 More than $75,000 Denial Rate % 8.9% 12.0% 15.5% 16.8% 13.2% Loan Originated 401 394 413 188 1,396 Application Denied 81 99 144 58 382 Data Missing Denial Rate % 16.8% 20.1% 25.9% 23.6% 21.5% Loan Originated 11,634 12,674 10,966 7,136 42,410 Total Application Denied 1,649 2,402 2,584 1,674 8,309 Denial Rate % 12.4% 15.9% 19.1% 19.0% 16.4% ---PAGE BREAK--- FHIC Analysis of Impediments 159 Final Report: 10/27/09 Table D.170 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Ramsey County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 10 6 5 1 22 Application Denied 7 6 2 6 21 $15,000 or less Denial Rate % 41.2% 50.0% 28.6% 85.7% 48.8% Loan Originated 163 105 81 50 399 Application Denied 51 110 43 43 247 More than $15,000 up to $30,000 Denial Rate % 23.8% 51.2% 34.7% 46.2% 38.2% Loan Originated 672 619 476 376 2,143 Application Denied 136 150 87 86 459 More than $30,000 up to $45,000 Denial Rate % 16.8% 19.5% 15.5% 18.6% 17.6% Loan Originated 864 918 734 478 2,994 Application Denied 98 172 165 101 536 More than $45,000 up to $60,000 Denial Rate % 10.2% 15.8% 18.4% 17.4% 15.2% Loan Originated 589 638 623 484 2,334 Application Denied 62 106 100 64 332 More than $60,000 up to $75,000 Denial Rate % 9.5% 14.2% 13.8% 11.7% 12.5% Loan Originated 1,230 1,485 1,468 1,001 5,184 Application Denied 89 183 242 159 673 More than $75,000 Denial Rate % 6.7% 11.0% 14.2% 13.7% 11.5% Loan Originated 118 128 137 60 443 Application Denied 23 20 45 11 99 Data Missing Denial Rate % 16.3% 13.5% 24.7% 15.5% 18.3% Loan Originated 3,646 3,899 3,524 2,450 13,519 Total Application Denied 466 747 684 470 2,367 Denial Rate % 11.3% 16.1% 16.3% 16.1% 14.9% ---PAGE BREAK--- FHIC Analysis of Impediments 160 Final Report: 10/27/09 Table D.171 Action of Owner-Occupied Home Purchase Loan Applications by Income: Originated and Denied Washington County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Loan Originated 15 6 12 2 35 Application Denied 5 4 2 5 16 $15,000 or less Denial Rate % 25.0% 40.0% 14.3% 71.4% 31.4% Loan Originated 110 80 75 55 320 Application Denied 48 55 27 21 151 More than $15,000 up to $30,000 Denial Rate % 30.4% 40.7% 26.5% 27.6% 32.1% Loan Originated 628 626 434 329 2,017 Application Denied 92 136 74 51 353 More than $30,000 up to $45,000 Denial Rate % 12.8% 17.8% 14.6% 13.4% 14.9% Loan Originated 861 940 716 381 2,898 Application Denied 102 160 124 74 460 More than $45,000 up to $60,000 Denial Rate % 10.6% 14.5% 14.8% 16.3% 13.7% Loan Originated 638 754 587 369 2,348 Application Denied 68 123 104 46 341 More than $60,000 up to $75,000 Denial Rate % 9.6% 14.0% 15.1% 11.1% 12.7% Loan Originated 1,606 1,845 1,688 1,085 6,224 Application Denied 124 229 255 166 774 More than $75,000 Denial Rate % 7.2% 11.0% 13.1% 13.3% 11.1% Loan Originated 135 136 151 85 507 Application Denied 43 22 51 28 144 Data Missing Denial Rate % 24.2% 13.9% 25.2% 24.8% 22.1% Loan Originated 3,993 4,387 3,663 2,306 14,349 Total Application Denied 482 729 637 391 2,239 Denial Rate % 10.8% 14.2% 14.8% 14.5% 13.5% Table D.172 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Bloomington City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . . 0.0% 50.0% 40.0% 0.0% 50.0% 33.3% Asian or Pacific Islander 100.0% 33.3% 26.5% 29.2% 10.4% 17.0% 25.0% 21.9% Black . 58.3% 40.5% 29.8% 31.5% 38.5% 55.6% 36.1% White 83.3% 25.3% 14.2% 14.3% 8.5% 8.8% 16.0% 11.9% Not Provided by Applicant 0.0% 56.3% 28.8% 23.7% 31.1% 21.4% 57.7% 27.5% Not Applicable . 0.0% . 0.0% 0.0% 0.0% 0.0% 0.0% Total 66.7% 30.1% 17.0% 17.5% 12.1% 11.4% 23.0% 15.1% Hispanic (Ethnicity) 100.0% 61.5% 42.7% 29.7% 22.0% 22.7% 7.1% 29.7% ---PAGE BREAK--- FHIC Analysis of Impediments 161 Final Report: 10/27/09 Table D.173 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Eden Prairie City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . . 0.0% 0.0% 0.0% 50.0% . 26.3% Asian or Pacific Islander . 33.3% 10.7% 7.0% 11.5% 8.7% 0.0% 8.9% Black 0.0% 100.0% 38.5% 34.9% 48.1% 12.8% 25.0% 24.7% White 0.0% 16.4% 9.6% 9.4% 7.9% 5.9% 16.1% 7.6% Not Provided by Applicant 50.0% 40.0% 16.7% 11.8% 14.6% 13.7% 42.9% 15.4% Not Applicable . . 0.0% . . 0.0% 33.3% 14.3% Total 12.5% 19.5% 10.7% 10.6% 11.3% 7.4% 19.1% 9.2% Hispanic (Ethnicity) . . 18.8% 22.2% 25.0% 18.5% 0.0% 20.0% Table D.174 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Minneapolis City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native 33.3% 35.3% 35.6% 29.0% 45.7% 25.0% 57.1% 32.9% Asian or Pacific Islander 66.7% 44.6% 31.2% 31.2% 25.8% 27.4% 40.7% 29.8% Black 56.3% 57.0% 38.7% 38.1% 41.5% 41.7% 58.1% 41.2% White 42.6% 23.9% 16.8% 17.3% 14.6% 12.7% 19.4% 15.3% Not Provided by Applicant 33.3% 52.0% 32.5% 35.1% 26.4% 24.6% 41.7% 30.2% Not Applicable . 66.7% 33.3% 33.3% 0.0% 0.0% 0.0% 28.0% Total 41.9% 34.0% 22.6% 23.1% 20.6% 17.4% 26.3% 21.1% Hispanic (Ethnicity) 33.3% 53.5% 36.0% 34.6% 37.3% 31.5% 37.2% 35.5% Table D.175 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Minnetonka City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . 100.0% . 20.0% . 33.3% . 33.3% Asian or Pacific Islander . . 0.0% 8.3% 21.4% 42.7% 29.4% 33.7% Black 0.0% 0.0% 9.1% 60.0% 14.3% 43.1% 66.7% 36.2% White 0.0% 22.4% 7.6% 8.7% 10.3% 8.4% 19.8% 9.3% Not Provided by Applicant 0.0% 33.3% 23.3% 19.4% 22.0% 19.5% 20.0% 20.3% Not Applicable . . . . . 0.0% . 0.0% Total 0.0% 23.4% 8.7% 10.1% 11.8% 11.9% 22.6% 12.0% Hispanic (Ethnicity) . 0.0% 0.0% 13.3% 33.3% 23.1% 66.7% 24.7% ---PAGE BREAK--- FHIC Analysis of Impediments 162 Final Report: 10/27/09 Table D.176 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Plymouth City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . 100.0% 0.0% 22.2% . 28.6% . 26.3% Asian or Pacific Islander . 100.0% 5.6% 18.4% 7.1% 16.7% 21.4% 15.0% Black 100.0% 50.0% 28.6% 18.2% 21.1% 14.0% 16.7% 18.4% White 40.0% 15.4% 11.0% 7.9% 9.7% 7.3% 7.3% 8.4% Not Provided by Applicant . 60.0% 22.5% 14.7% 17.6% 13.0% 42.1% 16.7% Not Applicable . . . . 0.0% 0.0% . 0.0% Total 43.8% 21.1% 12.0% 9.5% 10.6% 8.7% 11.8% 9.9% Hispanic (Ethnicity) . 50.0% 37.5% 39.1% 6.3% 15.0% 14.3% 22.2% Table D.177 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income St. Paul City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . 11.1% 20.0% 22.9% 40.0% 4.2% 0.0% 20.3% Asian or Pacific Islander 40.0% 45.3% 29.0% 33.0% 35.0% 33.8% 36.0% 33.4% Black 88.9% 50.0% 35.1% 30.5% 30.0% 40.5% 31.5% 35.2% White 42.5% 27.4% 17.3% 15.1% 13.4% 11.2% 20.6% 15.0% Not Provided by Applicant 30.0% 50.9% 28.0% 28.5% 27.2% 24.8% 57.3% 29.6% Not Applicable . 44.4% 0.0% 0.0% 0.0% . . 21.1% Total 42.9% 34.5% 21.4% 21.3% 20.0% 16.9% 27.7% 20.8% Hispanic (Ethnicity) 100.0% 42.5% 30.4% 30.3% 33.0% 25.0% 33.3% 31.1% Table D.178 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Woodbury City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . 100.0% 50.0% 0.0% 100.0% 17.4% 0.0% 18.9% Asian or Pacific Islander 50.0% 0.0% 16.7% 17.2% 21.8% 14.1% 20.5% 16.2% Black 50.0% 50.0% 27.1% 28.4% 20.4% 27.6% 30.8% 26.7% White 23.1% 9.7% 8.1% 9.5% 8.1% 7.3% 13.3% 8.1% Not Provided by Applicant 0.0% 20.0% 21.0% 22.9% 12.1% 14.7% 25.9% 16.8% Not Applicable . . 0.0% . . 0.0% 0.0% 0.0% Total 26.1% 12.2% 10.7% 12.9% 11.1% 9.8% 16.0% 10.9% Hispanic (Ethnicity) 0.0% 33.3% 34.3% 26.4% 17.1% 30.1% 12.5% 27.4% ---PAGE BREAK--- FHIC Analysis of Impediments 163 Final Report: 10/27/09 Table D.179 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Anoka County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . 69.2% 29.3% 18.8% 21.1% 12.2% 50.0% 24.0% Asian or Pacific Islander 66.7% 39.5% 28.4% 20.3% 19.8% 28.3% 30.6% 25.3% Black 20.0% 61.9% 34.2% 26.9% 23.2% 36.2% 33.3% 30.6% White 58.7% 40.8% 17.4% 14.8% 12.1% 11.2% 14.8% 14.7% Not Provided by Applicant 50.0% 61.7% 27.2% 21.7% 21.1% 20.7% 48.3% 25.0% Not Applicable . . 0.0% 50.0% 50.0% 20.0% . 30.0% Total 55.1% 43.7% 19.4% 16.6% 14.2% 14.5% 20.9% 17.2% Hispanic (Ethnicity) 100.0% 69.8% 34.4% 25.8% 33.0% 28.2% 26.1% 30.7% Table D.180 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Carver County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . 100.0% 50.0% 0.0% 16.7% 40.0% 50.0% 37.0% Asian or Pacific Islander . 50.0% 20.5% 20.0% 15.5% 29.3% 50.0% 25.4% Black . 0.0% 20.0% 26.5% 42.9% 34.1% 0.0% 31.7% White 30.8% 27.4% 14.2% 10.6% 8.4% 7.4% 13.1% 9.6% Not Provided by Applicant 66.7% 63.2% 32.1% 15.8% 21.9% 10.4% 47.1% 18.3% Not Applicable . . 0.0% 100.0% 0.0% 0.0% 50.0% 40.0% Total 37.5% 30.7% 15.9% 11.8% 10.2% 9.0% 18.2% 11.3% Hispanic (Ethnicity) . 68.4% 47.1% 38.1% 32.1% 26.5% 56.3% 37.2% Table D.181 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Dakota County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native 0.0% 28.6% 9.4% 25.0% 16.7% 19.8% 33.3% 19.4% Asian or Pacific Islander . 28.6% 17.7% 17.3% 14.2% 17.5% 15.7% 17.1% Black 60.0% 45.9% 28.9% 27.1% 29.8% 26.6% 20.8% 28.0% White 38.7% 23.8% 12.9% 11.0% 9.2% 8.5% 14.6% 10.6% Not Provided by Applicant 28.1% 59.4% 27.3% 25.4% 19.0% 16.2% 38.0% 22.5% Not Applicable . 100.0% 25.0% 14.3% 0.0% 20.0% 9.1% 16.3% Total 36.0% 27.8% 15.1% 13.5% 11.2% 10.4% 17.2% 12.7% Hispanic (Ethnicity) 50.0% 58.5% 31.8% 22.7% 23.6% 21.4% 36.5% 26.0% ---PAGE BREAK--- FHIC Analysis of Impediments 164 Final Report: 10/27/09 Table D.182 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Hennepin County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native 0.0% 50.0% 20.8% 14.0% 15.6% 18.8% 33.3% 19.6% Asian or Pacific Islander 40.0% 41.1% 26.0% 23.6% 22.9% 23.8% 24.0% 24.2% Black 57.1% 60.3% 34.5% 32.7% 32.1% 36.1% 36.7% 34.5% White 30.0% 24.6% 13.9% 12.7% 11.0% 9.0% 16.6% 11.5% Not Provided by Applicant 21.7% 55.5% 28.3% 27.0% 23.2% 19.7% 39.0% 24.5% Not Applicable . . . 20.0% 0.0% 26.7% 16.7% 20.7% Total 28.6% 32.1% 18.6% 18.0% 16.5% 13.2% 21.5% 16.4% Hispanic (Ethnicity) 75.0% 58.6% 36.1% 30.3% 27.1% 24.9% 21.2% 30.1% Table D.183 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Ramsey County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native . 50.0% 28.6% 20.0% 20.0% 33.3% 0.0% 25.7% Asian or Pacific Islander 0.0% 40.6% 23.6% 22.1% 19.7% 23.7% 28.1% 22.9% Black 100.0% 61.1% 25.9% 25.5% 25.4% 29.6% 14.3% 27.5% White 57.6% 34.5% 15.2% 12.2% 9.3% 8.4% 13.2% 12.0% Not Provided by Applicant 14.3% 65.5% 32.9% 26.7% 23.2% 17.7% 46.6% 26.0% Not Applicable . . 50.0% . 0.0% 0.0% 0.0% 9.1% Total 48.8% 38.2% 17.6% 15.2% 12.5% 11.5% 18.3% 14.9% Hispanic (Ethnicity) . 92.3% 37.9% 28.3% 28.0% 36.4% 28.6% 33.4% Table D.184 Percent Denial Rates of Owner-Occupied Home Purchase Loans by Race by Income Washington County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K Above $75K Data Missing Total American Indian or Alaskan Native 100.0% 0.0% 41.7% 16.7% 11.1% 10.7% 50.0% 19.7% Asian or Pacific Islander 0.0% 25.0% 19.0% 22.8% 23.1% 29.1% 43.8% 27.1% Black 0.0% 50.0% 21.0% 22.6% 22.8% 24.9% 22.2% 23.9% White 33.3% 30.0% 13.1% 11.7% 10.3% 8.4% 15.4% 11.0% Not Provided by Applicant 30.0% 48.9% 28.5% 20.6% 21.9% 16.0% 45.1% 22.3% Not Applicable . . 0.0% . 0.0% 25.0% 0.0% 5.0% Total 31.4% 32.1% 14.9% 13.7% 12.7% 11.1% 22.1% 13.5% Hispanic (Ethnicity) 100.0% 35.7% 28.8% 19.8% 35.4% 16.8% 22.2% 24.4% ---PAGE BREAK--- FHIC Analysis of Impediments 165 Final Report: 10/27/09 Table D.185 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Fair Housing Implementation Council Region HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 5 38 200 288 149 310 29 1,019 Application Denied 2 28 71 83 51 78 17 330 American Indian or Alaskan Native Denial Rate % 28.6% 42.4% 26.2% 22.4% 25.5% 20.1% 37.0% 24.5% Loan Originated 16 279 1,599 3,300 2,589 5,420 594 13,797 Application Denied 13 186 554 1,118 758 1,696 246 4,571 Asian or Pacific Islander Denial Rate % 44.8% 40.0% 25.7% 25.3% 22.6% 23.8% 29.3% 24.9% Loan Originated 22 278 2,067 3,735 2,581 3,670 324 12,677 Application Denied 28 346 1,099 1,739 1,227 1,961 188 6,588 Black Denial Rate % 56.0% 55.4% 34.7% 31.8% 32.2% 34.8% 36.7% 34.2% Loan Originated 242 4,542 26,137 35,636 27,686 72,720 5,678 172,641 Application Denied 177 1,783 4,533 5,415 3,418 7,498 1,081 23,905 White Denial Rate % 42.2% 28.2% 14.8% 13.2% 11.0% 9.3% 16.0% 12.2% Loan Originated 146 339 2,368 3,538 2,849 7,643 522 17,405 Application Denied 62 426 953 1,250 826 1,790 401 5,708 Not Provided by Applicant Denial Rate % 29.8% 55.7% 28.7% 26.1% 22.5% 19.0% 43.4% 24.7% Loan Originated 0 7 21 20 20 52 40 160 Application Denied 0 8 4 8 1 8 5 34 Not Applicable Denial Rate % . 53.3% 16.0% 28.6% 4.8% 13.3% 11.1% 17.5% Loan Originated 431 5,483 32,392 46,517 35,874 89,815 7,187 217,699 Application Denied 282 2,777 7,214 9,613 6,281 13,031 1,938 41,136 Total Denial Rate % 39.6% 33.6% 18.2% 17.1% 14.9% 12.7% 21.2% 15.9% Loan Originated 7 213 1,657 3,260 1,724 2,040 270 9,171 Application Denied 14 255 863 1,354 749 723 118 4,076 Hispanic (Ethnic) Denial Rate % 66.7% 54.5% 34.2% 29.3% 30.3% 26.2% 30.4% 30.8% ---PAGE BREAK--- FHIC Analysis of Impediments 166 Final Report: 10/27/09 Table D.186 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Bloomington City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 0 4 5 3 3 1 16 Application Denied 0 0 0 5 2 0 1 8 American Indian or Alaskan Native Denial Rate % . . 0.0% 50.0% 40.0% 0.0% 50.0% 33.3% Loan Originated 0 10 36 75 60 88 12 281 Application Denied 1 5 13 31 7 18 4 79 Asian or Pacific Islander Denial Rate % 100.0% 33.3% 26.5% 29.2% 10.4% 17.0% 25.0% 21.9% Loan Originated 0 5 22 59 37 48 4 175 Application Denied 0 7 15 25 17 30 5 99 Black Denial Rate % . 58.3% 40.5% 29.8% 31.5% 38.5% 55.6% 36.1% Loan Originated 1 121 640 932 717 1,550 152 4,113 Application Denied 5 41 106 156 67 150 29 554 White Denial Rate % 83.3% 25.3% 14.2% 14.3% 8.5% 8.8% 16.0% 11.9% Loan Originated 2 7 47 100 62 143 11 372 Application Denied 0 9 19 31 28 39 15 141 Not Provided by Applicant Denial Rate % 0.0% 56.3% 28.8% 23.7% 31.1% 21.4% 57.7% 27.5% Loan Originated 0 1 0 1 1 4 1 8 Application Denied 0 0 0 0 0 0 0 0 Not Applicable Denial Rate % . 0.0% #DIV/0! 0.0% 0.0% 0.0% 0.0% 0.0% Loan Originated 3 144 749 1,172 880 1,836 181 4,965 Application Denied 6 62 153 248 121 237 54 881 Total Denial Rate % 66.7% 30.1% 17.0% 17.5% 12.1% 11.4% 23.0% 15.1% Loan Originated 0 5 47 163 78 58 13 364 Application Denied 2 8 35 69 22 17 1 154 Hispanic (Ethnic) Denial Rate % 100.0% 61.5% 42.7% 29.7% 22.0% 22.7% 7.1% 29.7% ---PAGE BREAK--- FHIC Analysis of Impediments 167 Final Report: 10/27/09 Table D.187 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Eden Prairie City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 0 2 2 5 5 0 14 Application Denied 0 0 0 0 0 5 0 5 American Indian or Alaskan Native Denial Rate % . . 0.0% 0.0% 0.0% 50.0% . 26.3% Loan Originated 0 2 25 66 54 327 10 484 Application Denied 0 1 3 5 7 31 0 47 Asian or Pacific Islander Denial Rate % . 33.3% 10.7% 7.0% 11.5% 8.7% 0.0% 8.9% Loan Originated 2 0 8 28 27 136 6 207 Application Denied 0 1 5 15 25 20 2 68 Black Denial Rate % 0.0% 100.0% 38.5% 34.9% 48.1% 12.8% 25.0% 24.7% Loan Originated 4 61 462 664 582 2,721 161 4,655 Application Denied 0 12 49 69 50 170 31 381 White Denial Rate % 0.0% 16.4% 9.6% 9.4% 7.9% 5.9% 16.1% 7.6% Loan Originated 1 3 30 67 76 346 16 539 Application Denied 1 2 6 9 13 55 12 98 Not Provided by Applicant Denial Rate % 50.0% 40.0% 16.7% 11.8% 14.6% 13.7% 42.9% 15.4% Loan Originated 0 0 1 0 0 3 2 6 Application Denied 0 0 0 0 0 0 1 1 Not Applicable Denial Rate % . . 0.0% . . 0.0% 33.3% 14.3% Loan Originated 7 66 528 827 744 3,538 195 5,905 Application Denied 1 16 63 98 95 281 46 600 Total Denial Rate % 12.5% 19.5% 10.7% 10.6% 11.3% 7.4% 19.1% 9.2% Loan Originated 0 0 13 21 24 66 4 128 Application Denied 0 0 3 6 8 15 0 32 Hispanic (Ethnic) Denial Rate % . . 18.8% 22.2% 25.0% 18.5% 0.0% 20.0% ---PAGE BREAK--- FHIC Analysis of Impediments 168 Final Report: 10/27/09 Table D.188 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Minneapolis City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 2 11 47 66 19 48 3 196 Application Denied 1 6 26 27 16 16 4 96 American Indian or Alaskan Native Denial Rate % 33.3% 35.3% 35.6% 29.0% 45.7% 25.0% 57.1% 32.9% Loan Originated 2 36 205 329 256 525 51 1,404 Application Denied 4 29 93 149 89 198 35 597 Asian or Pacific Islander Denial Rate % 66.7% 44.6% 31.2% 31.2% 25.8% 27.4% 40.7% 29.8% Loan Originated 7 96 606 788 524 731 39 2,791 Application Denied 9 127 383 485 371 523 54 1,952 Black Denial Rate % 56.3% 57.0% 38.7% 38.1% 41.5% 41.7% 58.1% 41.2% Loan Originated 27 648 3,557 4,746 3,517 8,920 762 22,177 Application Denied 20 203 716 996 601 1,296 183 4,015 White Denial Rate % 42.6% 23.9% 16.8% 17.3% 14.6% 12.7% 19.4% 15.3% Loan Originated 30 72 384 510 416 1,086 81 2,579 Application Denied 15 78 185 276 149 354 58 1,115 Not Provided by Applicant Denial Rate % 33.3% 52.0% 32.5% 35.1% 26.4% 24.6% 41.7% 30.2% Loan Originated 0 1 4 6 1 4 2 18 Application Denied 0 2 2 3 0 0 0 7 Not Applicable Denial Rate % #DIV/0! 66.7% 33.3% 33.3% 0.0% 0.0% 0.0% 28.0% Loan Originated 68 864 4,803 6,445 4,733 11,314 938 29,165 Application Denied 49 445 1,405 1,936 1,226 2,387 334 7,782 Total Denial Rate % 41.9% 34.0% 22.6% 23.1% 20.6% 17.4% 26.3% 21.1% Loan Originated 2 53 368 670 362 419 49 1,923 Application Denied 1 61 207 354 215 193 29 1,060 Hispanic (Ethnic) Denial Rate % 33.3% 53.5% 36.0% 34.6% 37.3% 31.5% 37.2% 35.5% ---PAGE BREAK--- FHIC Analysis of Impediments 169 Final Report: 10/27/09 Table D.189 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Minnetonka City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 0 0 4 0 6 0 10 Application Denied 0 1 0 1 0 3 0 5 American Indian or Alaskan Native Denial Rate % . 100.0% . 20.0% . 33.3% . 33.3% Loan Originated 0 0 6 11 22 59 12 110 Application Denied 0 0 0 1 6 44 5 56 Asian or Pacific Islander Denial Rate % . . 0.0% 8.3% 21.4% 42.7% 29.4% 33.7% Loan Originated 1 3 10 2 12 37 2 67 Application Denied 0 0 1 3 2 28 4 38 Black Denial Rate % 0.0% 0.0% 9.1% 60.0% 14.3% 43.1% 66.7% 36.2% Loan Originated 2 52 339 379 427 1,760 105 3,064 Application Denied 0 15 28 36 49 161 26 315 White Denial Rate % 0.0% 22.4% 7.6% 8.7% 10.3% 8.4% 19.8% 9.3% Loan Originated 3 4 23 29 32 140 8 239 Application Denied 0 2 7 7 9 34 2 61 Not Provided by Applicant Denial Rate % 0.0% 33.3% 23.3% 19.4% 22.0% 19.5% 20.0% 20.3% Loan Originated 0 0 0 0 0 2 0 2 Application Denied 0 0 0 0 0 0 0 0 Not Applicable Denial Rate % . . . . . 0.0% . 0.0% Loan Originated 6 59 378 425 493 2,004 127 3,492 Application Denied 0 18 36 48 66 270 37 475 Total Denial Rate % 0.0% 23.4% 8.7% 10.1% 11.8% 11.9% 22.6% 12.0% Loan Originated 0 2 4 13 10 30 2 61 Application Denied 0 0 0 2 5 9 4 20 Hispanic (Ethnic) Denial Rate % . 0.0% 0.0% 13.3% 33.3% 23.1% 66.7% 24.7% ---PAGE BREAK--- FHIC Analysis of Impediments 170 Final Report: 10/27/09 Table D.190 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Plymouth City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 0 2 7 0 5 0 14 Application Denied 0 1 0 2 0 2 0 5 American Indian or Alaskan Native Denial Rate % . 100.0% 0.0% 22.2% . 28.6% . 26.3% Loan Originated 0 0 17 40 65 195 11 328 Application Denied 0 1 1 9 5 39 3 58 Asian or Pacific Islander Denial Rate % . 100.0% 5.6% 18.4% 7.1% 16.7% 21.4% 15.0% Loan Originated 0 2 10 27 30 86 5 160 Application Denied 1 2 4 6 8 14 1 36 Black Denial Rate % 100.0% 50.0% 28.6% 18.2% 21.1% 14.0% 16.7% 18.4% Loan Originated 9 99 459 657 571 2,441 153 4,389 Application Denied 6 18 57 56 61 192 12 402 White Denial Rate % 40.0% 15.4% 11.0% 7.9% 9.7% 7.3% 7.3% 8.4% Loan Originated 0 4 31 58 56 254 11 414 Application Denied 0 6 9 10 12 38 8 83 Not Provided by Applicant Denial Rate % . 60.0% 22.5% 14.7% 17.6% 13.0% 42.1% 16.7% Loan Originated 0 0 0 0 1 2 0 3 Application Denied 0 0 0 0 0 0 0 0 Not Applicable Denial Rate % . . . . 0.0% 0.0% . 0.0% Loan Originated 9 105 519 789 723 2,983 180 5,308 Application Denied 7 28 71 83 86 285 24 584 Total Denial Rate % 43.8% 21.1% 12.0% 9.5% 10.6% 8.7% 11.8% 9.9% Loan Originated 0 2 10 14 15 51 6 98 Application Denied 0 2 6 9 1 9 1 28 Hispanic (Ethnic) Denial Rate % #DIV/0! 50.0% 37.5% 39.1% 6.3% 15.0% 14.3% 22.2% ---PAGE BREAK--- FHIC Analysis of Impediments 171 Final Report: 10/27/09 Table D.191 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied St. Paul City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 8 28 37 12 23 2 110 Application Denied 0 1 7 11 8 1 0 28 American Indian or Alaskan Native Denial Rate % . 11.1% 20.0% 22.9% 40.0% 4.2% 0.0% 20.3% Loan Originated 3 76 424 765 370 411 80 2,129 Application Denied 2 63 173 377 199 210 45 1,069 Asian or Pacific Islander Denial Rate % 40.0% 45.3% 29.0% 33.0% 35.0% 33.8% 36.0% 33.4% Loan Originated 1 63 303 419 254 284 37 1,361 Application Denied 8 63 164 184 109 193 17 738 Black Denial Rate % 88.9% 50.0% 35.1% 30.5% 30.0% 40.5% 31.5% 35.2% Loan Originated 23 529 2,693 3,159 1,946 4,078 405 12,833 Application Denied 17 200 563 563 301 516 105 2,265 White Denial Rate % 42.5% 27.4% 17.3% 15.1% 13.4% 11.2% 20.6% 15.0% Loan Originated 21 55 275 393 220 431 35 1,430 Application Denied 9 57 107 157 82 142 47 601 Not Provided by Applicant Denial Rate % 30.0% 50.9% 28.0% 28.5% 27.2% 24.8% 57.3% 29.6% Loan Originated 0 5 7 2 1 0 0 15 Application Denied 0 4 0 0 0 0 0 4 Not Applicable Denial Rate % . 44.4% 0.0% 0.0% 0.0% . . 21.1% Loan Originated 48 736 3,730 4,775 2,803 5,227 559 17,878 Application Denied 36 388 1,014 1,292 699 1,062 214 4,705 Total Denial Rate % 42.9% 34.5% 21.4% 21.3% 20.0% 16.9% 27.7% 20.8% Loan Originated 0 69 361 499 191 153 32 1,305 Application Denied 2 51 158 217 94 51 16 589 Hispanic (Ethnic) Denial Rate % 100.0% 42.5% 30.4% 30.3% 33.0% 25.0% 33.3% 31.1% ---PAGE BREAK--- FHIC Analysis of Impediments 172 Final Report: 10/27/09 Table D.192 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Woodbury City HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 0 1 5 0 19 5 30 Application Denied 0 1 1 0 1 4 0 7 American Indian or Alaskan Native Denial Rate % . 100.0% 50.0% 0.0% 100.0% 17.4% 0.0% 18.9% Loan Originated 2 8 40 77 104 420 35 686 Application Denied 2 0 8 16 29 69 9 133 Asian or Pacific Islander Denial Rate % 50.0% 0.0% 16.7% 17.2% 21.8% 14.1% 20.5% 16.2% Loan Originated 1 3 35 73 82 160 9 363 Application Denied 1 3 13 29 21 61 4 132 Black Denial Rate % 50.0% 50.0% 27.1% 28.4% 20.4% 27.6% 30.8% 26.7% Loan Originated 10 93 616 872 763 3,016 182 5,552 Application Denied 3 10 54 92 67 236 28 490 White Denial Rate % 23.1% 9.7% 8.1% 9.5% 8.1% 7.3% 13.3% 8.1% Loan Originated 4 4 49 101 87 330 20 595 Application Denied 0 1 13 30 12 57 7 120 Not Provided by Applicant Denial Rate % 0.0% 20.0% 21.0% 22.9% 12.1% 14.7% 25.9% 16.8% Loan Originated 0 0 1 0 0 5 1 7 Application Denied 0 0 0 0 0 0 0 0 Not Applicable Denial Rate % . . 0.0% . . 0.0% 0.0% 0.0% Loan Originated 17 108 742 1,128 1,036 3,950 252 7,233 Application Denied 6 15 89 167 130 427 48 882 Total Denial Rate % 26.1% 12.2% 10.7% 12.9% 11.1% 9.8% 16.0% 10.9% Loan Originated 1 2 23 39 29 79 7 180 Application Denied 0 1 12 14 6 34 1 68 Hispanic (Ethnic) Denial Rate % 0.0% 33.3% 34.3% 26.4% 17.1% 30.1% 12.5% 27.4% ---PAGE BREAK--- FHIC Analysis of Impediments 173 Final Report: 10/27/09 Table D.193 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Anoka County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 4 29 56 30 36 3 158 Application Denied 0 9 12 13 8 5 3 50 American Indian or Alaskan Native Denial Rate % . 69.2% 29.3% 18.8% 21.1% 12.2% 50.0% 24.0% Loan Originated 1 26 156 369 324 607 68 1,551 Application Denied 2 17 62 94 80 240 30 525 Asian or Pacific Islander Denial Rate % 66.7% 39.5% 28.4% 20.3% 19.8% 28.3% 30.6% 25.3% Loan Originated 4 16 156 438 317 339 46 1,316 Application Denied 1 26 81 161 96 192 23 580 Black Denial Rate % 20.0% 61.9% 34.2% 26.9% 23.2% 36.2% 33.3% 30.6% Loan Originated 31 633 3,972 5,305 4,137 8,089 738 22,905 Application Denied 44 436 834 919 570 1,020 128 3,951 White Denial Rate % 58.7% 40.8% 17.4% 14.8% 12.1% 11.2% 14.8% 14.7% Loan Originated 12 46 359 513 400 854 62 2,246 Application Denied 12 74 134 142 107 223 58 750 Not Provided by Applicant Denial Rate % 50.0% 61.7% 27.2% 21.7% 21.1% 20.7% 48.3% 25.0% Loan Originated 0 0 1 1 1 4 0 7 Application Denied 0 0 0 1 1 1 0 3 Not Applicable Denial Rate % . . 0.0% 50.0% 50.0% 20.0% . 30.0% Loan Originated 48 725 4,673 6,682 5,209 9,929 917 28,183 Application Denied 59 562 1,123 1,330 862 1,681 242 5,859 Total Denial Rate % 55.1% 43.7% 19.4% 16.6% 14.2% 14.5% 20.9% 17.2% Loan Originated 0 13 164 379 189 199 34 978 Application Denied 2 30 86 132 93 78 12 433 Hispanic (Ethnic) Denial Rate % 100.0% 69.8% 34.4% 25.8% 33.0% 28.2% 26.1% 30.7% ---PAGE BREAK--- FHIC Analysis of Impediments 174 Final Report: 10/27/09 Table D.194 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Carver County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 0 4 3 5 3 2 17 Application Denied 0 1 4 0 1 2 2 10 American Indian or Alaskan Native Denial Rate % . 100.0% 50.0% 0.0% 16.7% 40.0% 50.0% 37.0% Loan Originated 0 2 31 52 49 140 5 279 Application Denied 0 2 8 13 9 58 5 95 Asian or Pacific Islander Denial Rate % . 50.0% 20.5% 20.0% 15.5% 29.3% 50.0% 25.4% Loan Originated 0 2 4 25 8 54 2 95 Application Denied 0 0 1 9 6 28 0 44 Black Denial Rate % . 0.0% 20.0% 26.5% 42.9% 34.1% 0.0% 31.7% Loan Originated 9 156 921 1,329 1,182 4,087 258 7,942 Application Denied 4 59 153 158 108 327 39 848 White Denial Rate % 30.8% 27.4% 14.2% 10.6% 8.4% 7.4% 13.1% 9.6% Loan Originated 1 7 57 123 107 370 18 683 Application Denied 2 12 27 23 30 43 16 153 Not Provided by Applicant Denial Rate % 66.7% 63.2% 32.1% 15.8% 21.9% 10.4% 47.1% 18.3% Loan Originated 0 0 1 0 1 2 2 6 Application Denied 0 0 0 2 0 0 2 4 Not Applicable Denial Rate % . . 0.0% 100.0% 0.0% 0.0% 50.0% 40.0% Loan Originated 10 167 1,018 1,532 1,352 4,656 287 9,022 Application Denied 6 74 193 205 154 458 64 1,154 Total Denial Rate % 37.5% 30.7% 15.9% 11.8% 10.2% 9.0% 18.2% 11.3% Loan Originated 0 6 27 52 36 83 7 211 Application Denied 0 13 24 32 17 30 9 125 Hispanic (Ethnic) Denial Rate % . 68.4% 47.1% 38.1% 32.1% 26.5% 56.3% 37.2% ---PAGE BREAK--- FHIC Analysis of Impediments 175 Final Report: 10/27/09 Table D.195 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Dakota County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 2 5 29 33 20 65 4 158 Application Denied 0 2 3 11 4 16 2 38 American Indian or Alaskan Native Denial Rate % 0.0% 28.6% 9.4% 25.0% 16.7% 19.8% 33.3% 19.4% Loan Originated 0 35 191 359 320 764 91 1,760 Application Denied 0 14 41 75 53 162 17 362 Asian or Pacific Islander Denial Rate % . 28.6% 17.7% 17.3% 14.2% 17.5% 15.7% 17.1% Loan Originated 2 20 209 376 217 453 42 1,319 Application Denied 3 17 85 140 92 164 11 512 Black Denial Rate % 60.0% 45.9% 28.9% 27.1% 29.8% 26.6% 20.8% 28.0% Loan Originated 46 765 4,619 6,372 5,180 12,264 973 30,219 Application Denied 29 239 687 786 526 1,140 167 3,574 White Denial Rate % 38.7% 23.8% 12.9% 11.0% 9.2% 8.5% 14.6% 10.6% Loan Originated 23 41 395 575 495 1,164 85 2,778 Application Denied 9 60 148 196 116 225 52 806 Not Provided by Applicant Denial Rate % 28.1% 59.4% 27.3% 25.4% 19.0% 16.2% 38.0% 22.5% Loan Originated 0 0 3 6 9 8 10 36 Application Denied 0 2 1 1 0 2 1 7 Not Applicable Denial Rate % . 100.0% 25.0% 14.3% 0.0% 20.0% 9.1% 16.3% Loan Originated 73 866 5,446 7,721 6,241 14,718 1,205 36,270 Application Denied 41 334 965 1,209 791 1,709 250 5,299 Total Denial Rate % 36.0% 27.8% 15.1% 13.5% 11.2% 10.4% 17.2% 12.7% Loan Originated 3 27 244 487 288 331 40 1,420 Application Denied 3 38 114 143 89 90 23 500 Hispanic (Ethnic) Denial Rate % 50.0% 58.5% 31.8% 22.7% 23.6% 21.4% 36.5% 26.0% ---PAGE BREAK--- FHIC Analysis of Impediments 176 Final Report: 10/27/09 Table D.196 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Hennepin County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 1 5 42 43 27 56 6 180 Application Denied 0 5 11 7 5 13 3 44 American Indian or Alaskan Native Denial Rate % 0.0% 50.0% 20.8% 14.0% 15.6% 18.8% 33.3% 19.6% Loan Originated 3 53 287 716 560 1,069 133 2,821 Application Denied 2 37 101 221 166 334 42 903 Asian or Pacific Islander Denial Rate % 40.0% 41.1% 26.0% 23.6% 22.9% 23.8% 24.0% 24.2% Loan Originated 3 54 592 1,219 897 1,082 107 3,954 Application Denied 4 82 312 592 424 610 62 2,086 Black Denial Rate % 57.1% 60.3% 34.5% 32.7% 32.1% 36.1% 36.7% 34.5% Loan Originated 42 759 4,289 6,520 4,909 14,425 1,040 31,984 Application Denied 18 247 694 948 607 1,431 207 4,152 White Denial Rate % 30.0% 24.6% 13.9% 12.7% 11.0% 9.0% 16.6% 11.5% Loan Originated 36 53 436 627 582 1,609 105 3,448 Application Denied 10 66 172 232 176 395 67 1,118 Not Provided by Applicant Denial Rate % 21.7% 55.5% 28.3% 27.0% 23.2% 19.7% 39.0% 24.5% Loan Originated 0 0 0 4 3 11 5 23 Application Denied 0 0 0 1 0 4 1 6 Not Applicable Denial Rate % . . . 20.0% 0.0% 26.7% 16.7% 20.7% Loan Originated 85 924 5,646 9,129 6,978 18,252 1,396 42,410 Application Denied 34 437 1,290 2,001 1,378 2,787 382 8,309 Total Denial Rate % 28.6% 32.1% 18.6% 18.0% 16.5% 13.2% 21.5% 16.4% Loan Originated 1 24 280 684 353 371 52 1,765 Application Denied 3 34 158 297 131 123 14 760 Hispanic (Ethnic) Denial Rate % 75.0% 58.6% 36.1% 30.3% 27.1% 24.9% 21.2% 30.1% ---PAGE BREAK--- FHIC Analysis of Impediments 177 Final Report: 10/27/09 Table D.197 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Ramsey County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 1 5 12 20 16 1 55 Application Denied 0 1 2 3 5 8 0 19 American Indian or Alaskan Native Denial Rate % . 50.0% 28.6% 20.0% 20.0% 33.3% 0.0% 25.7% Loan Originated 2 19 113 275 252 416 41 1,118 Application Denied 0 13 35 78 62 129 16 333 Asian or Pacific Islander Denial Rate % 0.0% 40.6% 23.6% 22.1% 19.7% 23.7% 28.1% 22.9% Loan Originated 0 7 63 158 88 133 18 467 Application Denied 1 11 22 54 30 56 3 177 Black Denial Rate % 100.0% 61.1% 25.9% 25.5% 25.4% 29.6% 14.3% 27.5% Loan Originated 14 353 1,812 2,335 1,814 4,173 348 10,849 Application Denied 19 186 326 323 187 385 53 1,479 White Denial Rate % 57.6% 34.5% 15.2% 12.2% 9.3% 8.4% 13.2% 12.0% Loan Originated 6 19 149 214 159 442 31 1,020 Application Denied 1 36 73 78 48 95 27 358 Not Provided by Applicant Denial Rate % 14.3% 65.5% 32.9% 26.7% 23.2% 17.7% 46.6% 26.0% Loan Originated 0 0 1 0 1 4 4 10 Application Denied 0 0 1 0 0 0 0 1 Not Applicable Denial Rate % . . 50.0% . 0.0% 0.0% 0.0% 9.1% Loan Originated 22 399 2,143 2,994 2,334 5,184 443 13,519 Application Denied 21 247 459 536 332 673 99 2,367 Total Denial Rate % 48.8% 38.2% 17.6% 15.2% 12.5% 11.5% 18.3% 14.9% Loan Originated 0 1 64 134 85 91 10 385 Application Denied 0 12 39 53 33 52 4 193 Hispanic (Ethnic) Denial Rate % . 92.3% 37.9% 28.3% 28.0% 36.4% 28.6% 33.4% ---PAGE BREAK--- FHIC Analysis of Impediments 178 Final Report: 10/27/09 Table D.198 Action of Owner-Occupied Home Purchase Loan Applications by Income By Race: Originated and Denied Washington County HMDA Data 2004 - 2007 Race $15K $15K - $30K $30K - $45K $45K - $60K $60K - $75K > $75K Data Missing Total Loan Originated 0 4 7 15 8 25 2 61 Application Denied 1 0 5 3 1 3 2 15 American Indian or Alaskan Native Denial Rate % 100.0% 0.0% 41.7% 16.7% 11.1% 10.7% 50.0% 19.7% Loan Originated 3 12 68 166 153 399 45 846 Application Denied 0 4 16 49 46 164 35 314 Asian or Pacific Islander Denial Rate % 0.0% 25.0% 19.0% 22.8% 23.1% 29.1% 43.8% 27.1% Loan Originated 1 7 49 123 88 127 7 402 Application Denied 0 7 13 36 26 42 2 126 Black Denial Rate % 0.0% 50.0% 21.0% 22.6% 22.8% 24.9% 22.2% 23.9% Loan Originated 24 273 1,758 2,366 1,941 5,196 401 11,959 Application Denied 12 117 266 313 224 474 73 1,479 White Denial Rate % 33.3% 30.0% 13.1% 11.7% 10.3% 8.4% 15.4% 11.0% Loan Originated 7 24 133 228 157 474 39 1,062 Application Denied 3 23 53 59 44 90 32 304 Not Provided by Applicant Denial Rate % 30.0% 48.9% 28.5% 20.6% 21.9% 16.0% 45.1% 22.3% Loan Originated 0 0 2 0 1 3 13 19 Application Denied 0 0 0 0 0 1 0 1 Not Applicable Denial Rate % . . 0.0% . 0.0% 25.0% 0.0% 5.0% Loan Originated 35 320 2,017 2,898 2,348 6,224 507 14,349 Application Denied 16 151 353 460 341 774 144 2,239 Total Denial Rate % 31.4% 32.1% 14.9% 13.7% 12.7% 11.1% 22.1% 13.5% Loan Originated 0 9 52 105 64 109 14 353 Application Denied 1 5 21 26 35 22 4 114 Hispanic (Ethnic) Denial Rate % 100.0% 35.7% 28.8% 19.8% 35.4% 16.8% 22.2% 24.4% ---PAGE BREAK--- FHIC Analysis of Impediments 179 Final Report: 10/27/09 Table D.199 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Bloomington City HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 1,212 1,086 1,085 794 4,177 High APR Loan 129 357 262 40 788 Home Purchase Percent High APR 9.6% 24.7% 19.5% 4.8% 15.9% Other Originated 203 176 181 184 744 High APR Loan 24 34 24 20 102 Home Improvement Percent High APR 10.6% 16.2% 11.7% 9.8% 12.1% Other Originated 2,034 1,565 1,085 950 5,634 High APR Loan 209 367 362 166 1,104 Refinancing Percent High APR 9.3% 19.0% 25.0% 14.9% 16.4% Other Originated 3,449 2,827 2,351 1,928 10,555 High APR Loan 362 758 648 226 1,994 Total Percent High APR 9.5% 21.1% 21.6% 10.5% 15.9% Table D.200 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Eden Prairie City HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 1,523 1,460 1,324 1,039 5,346 High APR Loan 86 230 196 47 559 Home Purchase Percent High APR 5.3% 13.6% 12.9% 4.3% 9.5% Other Originated 114 134 158 129 535 High APR Loan 19 14 15 11 59 Home Improvement Percent High APR 14.3% 9.5% 8.7% 7.9% 9.9% Other Originated 1,717 1,218 850 780 4,565 High APR Loan 120 205 197 88 610 Refinancing Percent High APR 6.5% 14.4% 18.8% 10.1% 11.8% Other Originated 3,354 2,812 2,332 1,948 10,446 High APR Loan 225 449 408 146 1,228 Total Percent High APR 6.3% 13.8% 14.9% 7.0% 10.5% Table D.201 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Minneapolis City HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 6,302 6,357 5,510 4,647 22,816 High APR Loan 1,002 2,577 2,204 566 6,349 Home Purchase Percent High APR 13.7% 28.8% 28.6% 10.9% 21.8% Other Originated 1,007 904 938 890 3,739 High APR Loan 174 160 159 106 599 Home Improvement Percent High APR 14.7% 15.0% 14.5% 10.6% 13.8% Other Originated 7,891 5,752 4,084 3,463 21,190 High APR Loan 1,638 2,471 1,926 864 6,899 Refinancing Percent High APR 17.2% 30.0% 32.0% 20.0% 24.6% Other Originated 15,200 13,013 10,532 9,000 47,745 High APR Loan 2,814 5,208 4,289 1,536 13,847 Total Percent High APR 15.6% 28.6% 28.9% 14.6% 22.5% ---PAGE BREAK--- FHIC Analysis of Impediments 180 Final Report: 10/27/09 Table D.202 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Minnetonka City HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 942 811 820 591 3,164 High APR Loan 38 118 114 58 328 Home Purchase Percent High APR 3.9% 12.7% 12.2% 8.9% 9.4% Other Originated 121 150 138 126 535 High APR Loan 9 14 11 15 49 Home Improvement Percent High APR 6.9% 8.5% 7.4% 10.6% 8.4% Other Originated 1,402 1,081 702 663 3,848 High APR Loan 98 166 157 83 504 Refinancing Percent High APR 6.5% 13.3% 18.3% 11.1% 11.6% Other Originated 2,465 2,042 1,660 1,380 7,547 High APR Loan 145 298 282 156 881 Total Percent High APR 5.6% 12.7% 14.5% 10.2% 10.5% Table D.203 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Plymouth City HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 1,435 1,380 1,133 901 4,849 High APR Loan 82 176 148 53 459 Home Purchase Percent High APR 5.4% 11.3% 11.6% 5.6% 8.6% Other Originated 170 184 181 190 725 High APR Loan 16 18 26 14 74 Home Improvement Percent High APR 8.6% 8.9% 12.6% 6.9% 9.3% Other Originated 1,850 1,257 918 838 4,863 High APR Loan 124 218 194 124 660 Refinancing Percent High APR 6.3% 14.8% 17.4% 12.9% 12.0% Other Originated 3,455 2,821 2,232 1,929 10,437 High APR Loan 222 412 368 191 1,193 Total Percent High APR 6.0% 12.7% 14.2% 9.0% 10.3% Table D.204 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status St. Paul City HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 4,101 3,630 3,148 2,427 13,306 High APR Loan 661 1,889 1,647 375 4,572 Home Purchase Percent High APR 13.9% 34.2% 34.3% 13.4% 25.6% Other Originated 956 855 931 756 3,498 High APR Loan 127 155 174 112 568 Home Improvement Percent High APR 11.7% 15.3% 15.7% 12.9% 14.0% Other Originated 5,815 4,251 2,773 2,487 15,326 High APR Loan 1,195 1,920 1,599 727 5,441 Refinancing Percent High APR 17.0% 31.1% 36.6% 22.6% 26.2% Other Originated 10,872 8,736 6,852 5,670 32,130 High APR Loan 1,983 3,964 3,420 1,214 10,581 Total Percent High APR 15.4% 31.2% 33.3% 17.6% 24.8% ---PAGE BREAK--- FHIC Analysis of Impediments 181 Final Report: 10/27/09 Table D.205 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Woodbury City HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 1,783 1,854 1,569 1,208 6,414 High APR Loan 120 330 292 77 819 Home Purchase Percent High APR 6.3% 15.1% 15.7% 6.0% 11.3% Other Originated 206 210 226 197 839 High APR Loan 12 14 25 13 64 Home Improvement Percent High APR 5.5% 6.3% 10.0% 6.2% 7.1% Other Originated 1,644 1,221 850 770 4,485 High APR Loan 141 280 238 114 773 Refinancing Percent High APR 7.9% 18.7% 21.9% 12.9% 14.7% Other Originated 3,633 3,285 2,645 2,175 11,738 High APR Loan 273 624 555 204 1,656 Total Percent High APR 7.0% 16.0% 17.3% 8.6% 12.4% Table D.206 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Anoka County HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 7,403 6,433 4,899 3,605 22,340 High APR Loan 961 2,507 1,883 492 5,843 Home Purchase Percent High APR 11.5% 28.0% 27.8% 12.0% 20.7% Other Originated 1,361 1,290 1,296 1,088 5,035 High APR Loan 158 165 199 137 659 Home Improvement Percent High APR 10.4% 11.3% 13.3% 11.2% 11.6% Other Originated 10,306 8,076 5,928 5,067 29,377 High APR Loan 1,683 2,722 2,496 1,135 8,036 Refinancing Percent High APR 14.0% 25.2% 29.6% 18.3% 21.5% Other Originated 19,070 15,799 12,123 9,760 56,752 High APR Loan 2,802 5,394 4,578 1,764 14,538 Total Percent High APR 12.8% 25.5% 27.4% 15.3% 20.4% Table D.207 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Carver County HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 2,358 2,292 1,953 1,412 8,015 High APR Loan 162 397 366 82 1,007 Home Purchase Percent High APR 6.4% 14.8% 15.8% 5.5% 11.2% Other Originated 209 239 246 209 903 High APR Loan 30 33 28 30 121 Home Improvement Percent High APR 12.6% 12.1% 10.2% 12.6% 11.8% Other Originated 2,455 1,919 1,536 1,268 7,178 High APR Loan 272 484 472 215 1,443 Refinancing Percent High APR 10.0% 20.1% 23.5% 14.5% 16.7% Other Originated 5,022 4,450 3,735 2,889 16,096 High APR Loan 464 914 866 327 2,571 Total Percent High APR 8.5% 17.0% 18.8% 10.2% 13.8% ---PAGE BREAK--- FHIC Analysis of Impediments 182 Final Report: 10/27/09 Table D.208 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Dakota County HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 9,934 8,319 7,035 5,375 30,663 High APR Loan 972 2,394 1,768 473 5,607 Home Purchase Percent High APR 8.9% 22.3% 20.1% 8.1% 15.5% Other Originated 1,313 1,279 1,311 1,184 5,087 High APR Loan 163 199 189 125 676 Home Improvement Percent High APR 11.0% 13.5% 12.6% 9.5% 11.7% Other Originated 11,194 8,890 6,132 5,489 31,705 High APR Loan 1,418 2,544 2,303 1,080 7,345 Refinancing Percent High APR 11.2% 22.2% 27.3% 16.4% 18.8% Other Originated 22,441 18,488 14,478 12,048 67,455 High APR Loan 2,553 5,137 4,260 1,678 13,628 Total Percent High APR 10.2% 21.7% 22.7% 12.2% 16.8% Table D.209 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Hennepin County HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 10,421 9,460 8,295 6,399 34,575 High APR Loan 1,213 3,214 2,671 737 7,835 Home Purchase Percent High APR 10.4% 25.4% 24.4% 10.3% 18.5% Other Originated 1,570 1,522 1,610 1,453 6,155 High APR Loan 191 222 223 186 822 Home Improvement Percent High APR 10.8% 12.7% 12.2% 11.3% 11.8% Other Originated 14,227 10,644 7,711 6,898 39,480 High APR Loan 1,984 3,191 2,980 1,357 9,512 Refinancing Percent High APR 12.2% 23.1% 27.9% 16.4% 19.4% Other Originated 26,218 21,626 17,616 14,750 80,210 High APR Loan 3,388 6,627 5,874 2,280 18,169 Total Percent High APR 11.4% 23.5% 25.0% 13.4% 18.5% Table D.210 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Ramsey County HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 3,318 3,054 2,883 2,272 11,527 High APR Loan 328 845 641 178 1,992 Home Purchase Percent High APR 9.0% 21.7% 18.2% 7.3% 14.7% Other Originated 827 747 811 690 3,075 High APR Loan 87 94 109 57 347 Home Improvement Percent High APR 9.5% 11.2% 11.8% 7.6% 10.1% Other Originated 5,187 4,182 2,807 2,551 14,727 High APR Loan 642 1,021 942 478 3,083 Refinancing Percent High APR 11.0% 19.6% 25.1% 15.8% 17.3% Other Originated 9,332 7,983 6,501 5,513 29,329 High APR Loan 1,057 1,960 1,692 713 5,422 Total Percent High APR 10.2% 19.7% 20.7% 11.5% 15.6% ---PAGE BREAK--- FHIC Analysis of Impediments 183 Final Report: 10/27/09 Table D.211 Originated Owner-Occupied Loans by Loan Purpose by Predatory Status Washington County HMDA 2004 - 2007 Loan Purpose 2004 2005 2006 2007 Total Other Originated 3,649 3,443 2,873 2,127 12,092 High APR Loan 344 944 790 179 2,257 Home Purchase Percent High APR 8.6% 21.5% 21.6% 7.8% 15.7% Other Originated 770 695 725 622 2,812 High APR Loan 78 83 98 74 333 Home Improvement Percent High APR 9.2% 10.7% 11.9% 10.6% 10.6% Other Originated 5,319 4,244 3,003 2,649 15,215 High APR Loan 662 1,182 1,060 494 3,398 Refinancing Percent High APR 11.1% 21.8% 26.1% 15.7% 18.3% Other Originated 9,738 8,382 6,601 5,398 30,119 High APR Loan 1,084 2,209 1,948 747 5,988 Total Percent High APR 10.0% 20.9% 22.8% 12.2% 16.6% Table D.212 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Bloomington City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 5 2 1 2 10 High APR Loan 3 1 0 2 6 American Indian Percent High APR 37.5% 33.3% 0.0% 50.0% 37.5% Other Originated 59 61 63 34 217 High APR Loan 10 29 23 2 64 Asian Percent High APR 14.5% 32.2% 26.7% 5.6% 22.8% Other Originated 31 27 30 24 112 High APR Loan 8 24 28 3 63 Black or African American Percent High APR 20.5% 47.1% 48.3% 11.1% 36.0% Other Originated 1,006 928 921 678 3,533 High APR Loan 94 264 190 32 580 White Percent High APR 8.5% 22.1% 17.1% 4.5% 14.1% Other Originated 105 67 70 56 298 High APR Loan 14 39 20 1 74 Not Provided by Applicant Percent High APR 11.8% 36.8% 22.2% 1.8% 19.9% Other Originated 6 1 0 0 7 High APR Loan 0 0 1 0 1 Not Applicable Percent High APR 0.0% 0.0% 100.0% . 12.5% Other Originated 1,212 1,086 1,085 794 4,177 High APR Loan 129 357 262 40 788 Total Percent High APR 9.6% 24.7% 19.5% 4.8% 15.9% Other Originated 75 55 44 26 200 High APR Loan 28 86 42 8 164 Hispanic Percent High APR 27.2% 61.0% 48.8% 23.5% 45.1% ---PAGE BREAK--- FHIC Analysis of Impediments 184 Final Report: 10/27/09 Table D.213 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Eden Prairie City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 3 4 3 1 11 High APR Loan 0 2 1 0 3 American Indian Percent High APR 0.0% 33.3% 25.0% 0.0% 21.4% Other Originated 113 95 116 123 447 High APR Loan 3 15 12 7 37 Asian Percent High APR 2.6% 13.6% 9.4% 5.4% 7.6% Other Originated 36 35 45 23 139 High APR Loan 4 23 39 2 68 Black or African American Percent High APR 10.0% 39.7% 46.4% 8.0% 32.9% Other Originated 1,241 1,205 1,037 782 4,265 High APR Loan 66 167 124 33 390 White Percent High APR 5.0% 12.2% 10.7% 4.0% 8.4% Other Originated 127 121 121 109 478 High APR Loan 13 23 20 5 61 Not Provided by Applicant Percent High APR 9.3% 16.0% 14.2% 4.4% 11.3% Other Originated 3 0 2 1 6 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . 0.0% 0.0% 0.0% Other Originated 1,523 1,460 1,324 1,039 5,346 High APR Loan 86 230 196 47 559 Total Percent High APR 5.3% 13.6% 12.9% 4.3% 9.5% Other Originated 23 32 24 21 100 High APR Loan 5 11 11 1 28 Hispanic Percent High APR 17.9% 25.6% 31.4% 4.5% 21.9% Table D.214 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Minneapolis City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 39 34 20 15 108 High APR Loan 26 43 17 2 88 American Indian Percent High APR 40.0% 55.8% 45.9% 11.8% 44.9% Other Originated 257 242 227 167 893 High APR Loan 55 211 213 32 511 Asian Percent High APR 17.6% 46.6% 48.4% 16.1% 36.4% Other Originated 374 285 229 192 1,080 High APR Loan 265 729 558 159 1,711 Black or African American Percent High APR 41.5% 71.9% 70.9% 45.3% 61.3% Other Originated 5,106 5,336 4,534 3,894 18,870 High APR Loan 537 1,264 1,181 325 3,307 White Percent High APR 9.5% 19.2% 20.7% 7.7% 14.9% Other Originated 511 460 499 378 1,848 High APR Loan 118 330 235 48 731 Not Provided by Applicant Percent High APR 18.8% 41.8% 32.0% 11.3% 28.3% Other Originated 15 0 1 1 17 High APR Loan 1 0 0 0 1 Not Applicable Percent High APR 6.3% . 0.0% 0.0% 5.6% Other Originated 6,302 6,357 5,510 4,647 22,816 High APR Loan 1,002 2,577 2,204 566 6,349 Total Percent High APR 13.7% 28.8% 28.6% 10.9% 21.8% Other Originated 353 311 224 181 1,069 High APR Loan 108 336 320 90 854 Hispanic Percent High APR 23.4% 51.9% 58.8% 33.2% 44.4% ---PAGE BREAK--- FHIC Analysis of Impediments 185 Final Report: 10/27/09 Table D.215 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Minnetonka City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 3 1 1 2 7 High APR Loan 1 1 1 0 3 American Indian Percent High APR 25.0% 50.0% 50.0% 0.0% 30.0% Other Originated 21 13 21 25 80 High APR Loan 0 3 8 19 30 Asian Percent High APR 0.0% 18.8% 27.6% 43.2% 27.3% Other Originated 15 11 7 12 45 High APR Loan 3 10 6 3 22 Black or African American Percent High APR 16.7% 47.6% 46.2% 20.0% 32.8% Other Originated 834 747 728 507 2,816 High APR Loan 32 95 91 30 248 White Percent High APR 3.7% 11.3% 11.1% 5.6% 8.1% Other Originated 67 39 63 45 214 High APR Loan 2 9 8 6 25 Not Provided by Applicant Percent High APR 2.9% 18.8% 11.3% 11.8% 10.5% Other Originated 2 0 0 0 2 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . . . 0.0% Other Originated 942 811 820 591 3,164 High APR Loan 38 118 114 58 328 Total Percent High APR 3.9% 12.7% 12.2% 8.9% 9.4% Other Originated 19 16 7 14 56 High APR Loan 1 2 1 1 5 Hispanic Percent High APR 5.0% 11.1% 12.5% 6.7% 8.2% Table D.216 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Plymouth City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 3 4 3 1 11 High APR Loan 2 0 0 1 3 American Indian Percent High APR 40.0% 0.0% 0.0% 50.0% 21.4% Other Originated 84 73 83 65 305 High APR Loan 6 11 2 4 23 Asian Percent High APR 6.7% 13.1% 2.4% 5.8% 7.0% Other Originated 21 30 26 28 105 High APR Loan 12 22 13 8 55 Black or African American Percent High APR 36.4% 42.3% 33.3% 22.2% 34.4% Other Originated 1,213 1,181 932 730 4,056 High APR Loan 52 128 115 38 333 White Percent High APR 4.1% 9.8% 11.0% 4.9% 7.6% Other Originated 112 92 89 76 369 High APR Loan 10 15 18 2 45 Not Provided by Applicant Percent High APR 8.2% 14.0% 16.8% 2.6% 10.9% Other Originated 2 0 0 1 3 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . . 0.0% 0.0% Other Originated 1,435 1,380 1,133 901 4,849 High APR Loan 82 176 148 53 459 Total Percent High APR 5.4% 11.3% 11.6% 5.6% 8.6% Other Originated 18 15 24 22 79 High APR Loan 4 9 2 4 19 Hispanic Percent High APR 18.2% 37.5% 7.7% 15.4% 19.4% ---PAGE BREAK--- FHIC Analysis of Impediments 186 Final Report: 10/27/09 Table D.217 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status St. Paul City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 15 18 12 10 55 High APR Loan 13 21 17 4 55 American Indian Percent High APR 46.4% 53.8% 58.6% 28.6% 50.0% Other Originated 394 342 272 190 1,198 High APR Loan 115 385 351 80 931 Asian Percent High APR 22.6% 53.0% 56.3% 29.6% 43.7% Other Originated 174 161 119 86 540 High APR Loan 100 351 309 61 821 Black or African American Percent High APR 36.5% 68.6% 72.2% 41.5% 60.3% Other Originated 3,179 2,871 2,498 1,965 10,513 High APR Loan 363 930 833 194 2,320 White Percent High APR 10.2% 24.5% 25.0% 9.0% 18.1% Other Originated 325 238 247 176 986 High APR Loan 69 202 137 36 444 Not Provided by Applicant Percent High APR 17.5% 45.9% 35.7% 17.0% 31.0% Other Originated 14 0 0 0 14 High APR Loan 1 0 0 0 1 Not Applicable Percent High APR 6.7% . . . 6.7% Other Originated 4,101 3,630 3,148 2,427 13,306 High APR Loan 661 1,889 1,647 375 4,572 Total Percent High APR 13.9% 34.2% 34.3% 13.4% 25.6% Other Originated 233 217 137 102 689 High APR Loan 88 235 244 49 616 Hispanic Percent High APR 27.4% 52.0% 64.0% 32.5% 47.2% Table D.218 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Woodbury City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 7 7 8 3 25 High APR Loan 1 1 1 2 5 American Indian Percent High APR 12.5% 12.5% 11.1% 40.0% 16.7% Other Originated 142 148 160 107 557 High APR Loan 14 44 56 15 129 Asian Percent High APR 9.0% 22.9% 25.9% 12.3% 18.8% Other Originated 72 72 82 34 260 High APR Loan 18 47 29 9 103 Black or African American Percent High APR 20.0% 39.5% 26.1% 20.9% 28.4% Other Originated 1,406 1,479 1,174 998 5,057 High APR Loan 73 209 167 46 495 White Percent High APR 4.9% 12.4% 12.5% 4.4% 8.9% Other Originated 149 148 145 66 508 High APR Loan 14 29 39 5 87 Not Provided by Applicant Percent High APR 8.6% 16.4% 21.2% 7.0% 14.6% Other Originated 7 0 0 0 7 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . . . 0.0% Other Originated 1,783 1,854 1,569 1,208 6,414 High APR Loan 120 330 292 77 819 Total Percent High APR 6.3% 15.1% 15.7% 6.0% 11.3% Other Originated 41 33 37 24 135 High APR Loan 5 15 23 2 45 Hispanic Percent High APR 10.9% 31.3% 38.3% 7.7% 25.0% ---PAGE BREAK--- FHIC Analysis of Impediments 187 Final Report: 10/27/09 Table D.219 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Anoka County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 39 22 22 26 109 High APR Loan 8 25 13 3 49 American Indian Percent High APR 17.0% 53.2% 37.1% 10.3% 31.0% Other Originated 406 344 241 163 1,154 High APR Loan 74 178 111 34 397 Asian Percent High APR 15.4% 34.1% 31.5% 17.3% 25.6% Other Originated 212 190 178 115 695 High APR Loan 65 253 261 42 621 Black or African American Percent High APR 23.5% 57.1% 59.5% 26.8% 47.2% Other Originated 6,148 5,448 4,134 3,052 18,782 High APR Loan 736 1,690 1,317 380 4,123 White Percent High APR 10.7% 23.7% 24.2% 11.1% 18.0% Other Originated 593 429 323 249 1,594 High APR Loan 77 361 181 33 652 Not Provided by Applicant Percent High APR 11.5% 45.7% 35.9% 11.7% 29.0% Other Originated 5 0 1 0 6 High APR Loan 1 0 0 0 1 Not Applicable Percent High APR 16.7% . 0.0% . 14.3% Other Originated 7,403 6,433 4,899 3,605 22,340 High APR Loan 961 2,507 1,883 492 5,843 Total Percent High APR 11.5% 28.0% 27.8% 12.0% 20.7% Other Originated 178 178 92 109 557 High APR Loan 55 173 152 41 421 Hispanic Percent High APR 23.6% 49.3% 62.3% 27.3% 43.0% Table D.220 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Carver County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 6 3 2 2 13 High APR Loan 1 0 3 0 4 American Indian Percent High APR 14.3% 0.0% 60.0% 0.0% 23.5% Other Originated 61 85 43 42 231 High APR Loan 6 19 19 4 48 Asian Percent High APR 9.0% 18.3% 30.6% 8.7% 17.2% Other Originated 17 17 16 12 62 High APR Loan 5 8 17 3 33 Black or African American Percent High APR 22.7% 32.0% 51.5% 20.0% 34.7% Other Originated 2,102 2,051 1,764 1,222 7,139 High APR Loan 138 309 290 66 803 White Percent High APR 6.2% 13.1% 14.1% 5.1% 10.1% Other Originated 166 136 128 134 564 High APR Loan 12 61 37 9 119 Not Provided by Applicant Percent High APR 6.7% 31.0% 22.4% 6.3% 17.4% Other Originated 6 0 0 0 6 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . . . 0.0% Other Originated 2,358 2,292 1,953 1,412 8,015 High APR Loan 162 397 366 82 1,007 Total Percent High APR 6.4% 14.8% 15.8% 5.5% 11.2% Other Originated 43 48 18 27 136 High APR Loan 11 21 35 8 75 Hispanic Percent High APR 20.4% 30.4% 66.0% 22.9% 35.5% ---PAGE BREAK--- FHIC Analysis of Impediments 188 Final Report: 10/27/09 Table D.221 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Dakota County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 41 26 20 20 107 High APR Loan 10 21 16 4 51 American Indian Percent High APR 19.6% 44.7% 44.4% 16.7% 32.3% Other Originated 465 377 330 247 1,419 High APR Loan 49 131 130 31 341 Asian Percent High APR 9.5% 25.8% 28.3% 11.2% 19.4% Other Originated 275 220 161 122 778 High APR Loan 82 217 207 35 541 Black or African American Percent High APR 23.0% 49.7% 56.3% 22.3% 41.0% Other Originated 8,377 7,136 6,000 4,589 26,102 High APR Loan 738 1,742 1,262 375 4,117 White Percent High APR 8.1% 19.6% 17.4% 7.6% 13.6% Other Originated 750 559 520 396 2,225 High APR Loan 91 283 152 27 553 Not Provided by Applicant Percent High APR 10.8% 33.6% 22.6% 6.4% 19.9% Other Originated 26 1 4 1 32 High APR Loan 2 0 1 1 4 Not Applicable Percent High APR 7.1% 0.0% 20.0% 50.0% 11.1% Other Originated 9,934 8,319 7,035 5,375 30,663 High APR Loan 972 2,394 1,768 473 5,607 Total Percent High APR 8.9% 22.3% 20.1% 8.1% 15.5% Other Originated 304 245 194 128 871 High APR Loan 99 215 187 48 549 Hispanic Percent High APR 24.6% 46.7% 49.1% 27.3% 38.7% Table D.222 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Hennepin County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 42 21 23 25 111 High APR Loan 19 24 21 5 69 American Indian Percent High APR 31.1% 53.3% 47.7% 16.7% 38.3% Other Originated 675 610 462 323 2,070 High APR Loan 80 349 251 71 751 Asian Percent High APR 10.6% 36.4% 35.2% 18.0% 26.6% Other Originated 609 478 427 306 1,820 High APR Loan 230 852 792 260 2,134 Black or African American Percent High APR 27.4% 64.1% 65.0% 45.9% 54.0% Other Originated 8,242 7,707 6,729 5,199 27,877 High APR Loan 726 1,669 1,355 357 4,107 White Percent High APR 8.1% 17.8% 16.8% 6.4% 12.8% Other Originated 841 641 648 546 2,676 High APR Loan 156 320 252 44 772 Not Provided by Applicant Percent High APR 15.6% 33.3% 28.0% 7.5% 22.4% Other Originated 12 3 6 0 21 High APR Loan 2 0 0 0 2 Not Applicable Percent High APR 14.3% 0.0% 0.0% . 8.7% Other Originated 10,421 9,460 8,295 34,575 High APR Loan 1,213 3,214 2,671 737 7,835 Total Percent High APR 10.4% 25.4% 24.4% 100.0% 18.5% Other Originated 346 323 216 161 1,046 High APR Loan 111 317 232 59 719 Hispanic Percent High APR 24.3% 49.5% 51.8% 26.8% 40.7% ---PAGE BREAK--- FHIC Analysis of Impediments 189 Final Report: 10/27/09 Table D.223 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Ramsey County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 7 10 9 6 32 High APR Loan 2 8 11 2 23 American Indian Percent High APR 22.2% 44.4% 55.0% 25.0% 41.8% Other Originated 280 231 211 162 884 High APR Loan 23 103 88 20 234 Asian Percent High APR 7.6% 30.8% 29.4% 11.0% 20.9% Other Originated 61 86 79 62 288 High APR Loan 25 66 79 9 179 Black or African American Percent High APR 29.1% 43.4% 50.0% 12.7% 38.3% Other Originated 2,733 2,515 2,363 1,879 9,490 High APR Loan 247 560 412 140 1,359 White Percent High APR 8.3% 18.2% 14.8% 6.9% 12.5% Other Originated 232 210 220 163 825 High APR Loan 30 107 51 7 195 Not Provided by Applicant Percent High APR 11.5% 33.8% 18.8% 4.1% 19.1% Other Originated 5 2 1 0 8 High APR Loan 1 1 0 0 2 Not Applicable Percent High APR 16.7% 33.3% 0.0% . 20.0% Other Originated 3,318 3,054 2,883 2,272 11,527 High APR Loan 328 845 641 178 1,992 Total Percent High APR 9.0% 21.7% 18.2% 7.3% 14.7% Other Originated 75 75 66 33 249 High APR Loan 16 39 58 23 136 Hispanic Percent High APR 17.6% 34.2% 46.8% 41.1% 35.3% Table D.224 Originated Owner-Occupied Home Purchase Loans by Race by Predatory Status Washington County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 13 7 12 7 39 High APR Loan 3 7 12 0 22 American Indian Percent High APR 18.8% 50.0% 50.0% 0.0% 36.1% Other Originated 195 177 174 84 630 High APR Loan 26 83 92 15 216 Asian Percent High APR 11.8% 31.9% 34.6% 15.2% 25.5% Other Originated 78 54 54 37 223 High APR Loan 19 80 67 13 179 Black or African American Percent High APR 19.6% 59.7% 55.4% 26.0% 44.5% Other Originated 3,107 3,003 2,433 1,817 10,360 High APR Loan 260 661 541 137 1,599 White Percent High APR 7.7% 18.0% 18.2% 7.0% 13.4% Other Originated 252 200 198 172 822 High APR Loan 36 112 78 14 240 Not Provided by Applicant Percent High APR 12.5% 35.9% 28.3% 7.5% 22.6% Other Originated 4 2 2 10 18 High APR Loan 0 1 0 0 1 Not Applicable Percent High APR 0.0% 33.3% 0.0% 0.0% 5.3% Other Originated 3,649 3,443 2,873 2,127 12,092 High APR Loan 344 944 790 179 2,257 Total Percent High APR 8.6% 21.5% 21.6% 7.8% 15.7% Other Originated 52 61 58 28 199 High APR Loan 24 58 61 11 154 Hispanic Percent High APR 31.6% 48.7% 51.3% 28.2% 43.6% ---PAGE BREAK--- FHIC Analysis of Impediments 190 Final Report: 10/27/09 Table D.225 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Fair Housing Implementation Council HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 39 35 38 36 148 High APR Loan 6 13 10 18 47 American Indian Percent High APR 13.3% 27.1% 20.8% 33.3% 24.1% Other Originated 300 243 300 237 1,080 High APR Loan 37 41 54 33 165 Asian Percent High APR 11.0% 14.4% 15.3% 12.2% 13.3% Other Originated 257 211 189 175 832 High APR Loan 86 97 93 54 330 Black or African American Percent High APR 25.1% 31.5% 33.0% 23.6% 28.4% Other Originated 6,869 6,613 6,977 6,176 26,635 High APR Loan 844 903 1,006 698 3,451 White Percent High APR 10.9% 12.0% 12.6% 10.2% 11.5% Other Originated 1,351 1,282 1,245 1,091 4,969 High APR Loan 115 151 117 95 478 Not Provided by Applicant Percent High APR 7.8% 10.5% 8.6% 8.0% 8.8% Other Originated 11 1 3 3 18 High APR Loan 0 0 0 2 2 Not Applicable Percent High APR 0.0% 0.0% 0.0% 40.0% 10.0% Other Originated 8,827 8,385 8,752 7,718 33,682 High APR Loan 1,088 1,205 1,280 900 4,473 Total Percent High APR 11.0% 12.6% 12.8% 10.4% 11.7% Other Originated 176 150 173 141 640 High APR Loan 44 46 44 38 172 Hispanic Percent High APR 20.0% 23.5% 20.3% 21.2% 21.2% Table D.226 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Bloomington City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 1 2 0 0 3 High APR Loan 1 0 1 1 3 American Indian Percent High APR 50.0% 0.0% 100.0% 100.0% 50.0% Other Originated 9 2 4 6 21 High APR Loan 0 1 2 0 3 Asian Percent High APR 0.0% 33.3% 33.3% 0.0% 12.5% Other Originated 10 4 5 2 21 High APR Loan 1 1 3 2 7 Black or African American Percent High APR 9.1% 20.0% 37.5% 50.0% 25.0% Other Originated 158 138 141 151 588 High APR Loan 20 28 15 16 79 White Percent High APR 11.2% 16.9% 9.6% 9.6% 11.8% Other Originated 25 30 31 25 111 High APR Loan 2 4 3 1 10 Not Provided by Applicant Percent High APR 7.4% 11.8% 8.8% 3.8% 8.3% Other Originated 0 0 0 0 0 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . . . . . Other Originated 203 176 181 184 744 High APR Loan 24 34 24 20 102 Total Percent High APR 10.6% 16.2% 11.7% 9.8% 12.1% Other Originated 6 4 4 0 14 High APR Loan 1 1 2 1 5 Hispanic Percent High APR 14.3% 20.0% 33.3% 100.0% 26.3% ---PAGE BREAK--- FHIC Analysis of Impediments 191 Final Report: 10/27/09 Table D.227 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Eden Prairie City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 0 1 1 0 2 High APR Loan 0 0 0 1 1 American Indian Percent High APR . 0.0% 0.0% 100.0% 33.3% Other Originated 4 0 3 5 12 High APR Loan 1 0 0 0 1 Asian Percent High APR 20.0% #DIV/0! 0.0% 0.0% 7.7% Other Originated 0 2 2 3 7 High APR Loan 2 1 0 1 4 Black or African American Percent High APR 100.0% 33.3% 0.0% 25.0% 36.4% Other Originated 89 107 129 93 418 High APR Loan 13 11 13 7 44 White Percent High APR 12.7% 9.3% 9.2% 7.0% 9.5% Other Originated 21 24 23 28 96 High APR Loan 3 2 2 2 9 Not Provided by Applicant Percent High APR 12.5% 7.7% 8.0% 6.7% 8.6% Other Originated 0 0 0 0 0 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . . . . . Other Originated 114 134 158 129 535 High APR Loan 19 14 15 11 59 Total Percent High APR 14.3% 9.5% 8.7% 7.9% 9.9% Other Originated 3 2 1 2 8 High APR Loan 0 0 0 0 0 Hispanic Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Table D.228 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Minneapolis City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 12 6 4 9 31 High APR Loan 2 0 3 5 10 American Indian Percent High APR 14.3% 0.0% 42.9% 35.7% 24.4% Other Originated 35 26 35 26 122 High APR Loan 5 11 5 4 25 Asian Percent High APR 12.5% 29.7% 12.5% 13.3% 17.0% Other Originated 79 57 50 41 227 High APR Loan 31 27 33 15 106 Black or African American Percent High APR 28.2% 32.1% 39.8% 26.8% 31.8% Other Originated 737 648 713 675 2,773 High APR Loan 121 94 105 67 387 White Percent High APR 14.1% 12.7% 12.8% 9.0% 12.2% Other Originated 140 167 136 139 582 High APR Loan 15 28 13 15 71 Not Provided by Applicant Percent High APR 9.7% 14.4% 8.7% 9.7% 10.9% Other Originated 4 0 0 0 4 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . . . 0.0% Other Originated 1,007 904 938 890 3,739 High APR Loan 174 160 159 106 599 Total Percent High APR 14.7% 15.0% 14.5% 10.6% 13.8% Other Originated 25 27 26 27 105 High APR Loan 12 13 11 5 41 Hispanic Percent High APR 32.4% 32.5% 29.7% 15.6% 28.1% ---PAGE BREAK--- FHIC Analysis of Impediments 192 Final Report: 10/27/09 Table D.229 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Minnetonka City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 0 0 0 0 0 High APR Loan 0 0 0 0 0 American Indian Percent High APR . . . . . Other Originated 0 2 2 0 4 High APR Loan 0 0 0 0 0 Asian Percent High APR . 0.0% 0.0% . 0.0% Other Originated 1 4 2 1 8 High APR Loan 1 1 0 1 3 Black or African American Percent High APR 50.0% 20.0% 0.0% 50.0% 27.3% Other Originated 101 126 107 109 443 High APR Loan 7 13 10 13 43 White Percent High APR 6.5% 9.4% 8.5% 10.7% 8.8% Other Originated 19 18 27 16 80 High APR Loan 1 0 1 1 3 Not Provided by Applicant Percent High APR 5.0% 0.0% 3.6% 5.9% 3.6% Other Originated 0 0 0 0 0 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . . . . . Other Originated 121 150 138 126 535 High APR Loan 9 14 11 15 49 Total Percent High APR 6.9% 8.5% 7.4% 10.6% 8.4% Other Originated 1 1 1 3 6 High APR Loan 0 0 0 1 1 Hispanic Percent High APR 0.0% 0.0% 0.0% 25.0% 14.3% Table D.230 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Plymouth City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 2 1 1 0 4 High APR Loan 0 1 1 0 2 American Indian Percent High APR 0.0% 50.0% 50.0% . 33.3% Other Originated 3 4 4 3 14 High APR Loan 0 0 1 1 2 Asian Percent High APR 0.0% 0.0% 20.0% 25.0% 12.5% Other Originated 6 3 4 1 14 High APR Loan 0 1 0 0 1 Black or African American Percent High APR 0.0% 25.0% 0.0% 0.0% 6.7% Other Originated 140 145 148 153 586 High APR Loan 13 11 20 11 55 White Percent High APR 8.5% 7.1% 11.9% 6.7% 8.6% Other Originated 19 31 24 33 107 High APR Loan 3 5 4 2 14 Not Provided by Applicant Percent High APR 13.6% 13.9% 14.3% 5.7% 11.6% Other Originated 0 0 0 0 0 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . . . . . Other Originated 170 184 181 190 725 High APR Loan 16 18 26 14 74 Total Percent High APR 8.6% 8.9% 12.6% 6.9% 9.3% Other Originated 2 2 2 1 7 High APR Loan 0 0 1 0 1 Hispanic Percent High APR 0.0% 0.0% 33.3% 0.0% 12.5% ---PAGE BREAK--- FHIC Analysis of Impediments 193 Final Report: 10/27/09 Table D.231 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status St. Paul City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 6 6 6 7 25 High APR Loan 1 4 1 4 10 American Indian Percent High APR 14.3% 40.0% 14.3% 36.4% 28.6% Other Originated 64 58 65 55 242 High APR Loan 11 8 17 11 47 Asian Percent High APR 14.7% 12.1% 20.7% 16.7% 16.3% Other Originated 49 38 35 40 162 High APR Loan 18 30 25 13 86 Black or African American Percent High APR 26.9% 44.1% 41.7% 24.5% 34.7% Other Originated 667 628 681 568 2,544 High APR Loan 79 91 112 75 357 White Percent High APR 10.6% 12.7% 14.1% 11.7% 12.3% Other Originated 168 125 144 85 522 High APR Loan 18 22 19 9 68 Not Provided by Applicant Percent High APR 9.7% 15.0% 11.7% 9.6% 11.5% Other Originated 2 0 0 1 3 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . . 0.0% 0.0% Other Originated 956 855 931 756 3,498 High APR Loan 127 155 174 112 568 Total Percent High APR 11.7% 15.3% 15.7% 12.9% 14.0% Other Originated 34 23 36 23 116 High APR Loan 10 9 9 7 35 Hispanic Percent High APR 22.7% 28.1% 20.0% 23.3% 23.2% Table D.232 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Woodbury City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 0 0 0 0 0 High APR Loan 0 0 0 1 1 American Indian Percent High APR . . . 100.0% 100.0% Other Originated 8 6 15 10 39 High APR Loan 2 0 0 2 4 Asian Percent High APR 20.0% 0.0% 0.0% 16.7% 9.3% Other Originated 6 6 6 8 26 High APR Loan 1 1 1 0 3 Black or African American Percent High APR 14.3% 14.3% 14.3% 0.0% 10.3% Other Originated 155 155 167 148 625 High APR Loan 7 12 22 7 48 White Percent High APR 4.3% 7.2% 11.6% 4.5% 7.1% Other Originated 37 43 37 31 148 High APR Loan 2 1 2 3 8 Not Provided by Applicant Percent High APR 5.1% 2.3% 5.1% 8.8% 5.1% Other Originated 0 0 1 0 1 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . . 0.0% . 0.0% Other Originated 206 210 226 197 839 High APR Loan 12 14 25 13 64 Total Percent High APR 5.5% 6.3% 10.0% 6.2% 7.1% Other Originated 5 3 1 2 11 High APR Loan 0 0 1 0 1 Hispanic Percent High APR 0.0% 0.0% 50.0% 0.0% 8.3% ---PAGE BREAK--- FHIC Analysis of Impediments 194 Final Report: 10/27/09 Table D.233 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Anoka County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 3 2 3 7 15 High APR Loan 0 1 1 1 3 American Indian Percent High APR 0.0% 33.3% 25.0% 12.5% 16.7% Other Originated 29 24 35 23 111 High APR Loan 2 4 9 0 15 Asian Percent High APR 6.5% 14.3% 20.5% 0.0% 11.9% Other Originated 11 13 9 10 43 High APR Loan 4 3 4 2 13 Black or African American Percent High APR 26.7% 18.8% 30.8% 16.7% 23.2% Other Originated 1,106 1,078 1,067 913 4,164 High APR Loan 140 138 166 118 562 White Percent High APR 11.2% 11.3% 13.5% 11.4% 11.9% Other Originated 212 173 182 135 702 High APR Loan 12 19 19 16 66 Not Provided by Applicant Percent High APR 5.4% 9.9% 9.5% 10.6% 8.6% Other Originated 0 0 0 0 0 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . . . . . Other Originated 1,361 1,290 1,296 1,088 5,035 High APR Loan 158 165 199 137 659 Total Percent High APR 10.4% 11.3% 13.3% 11.2% 11.6% Other Originated 19 15 17 12 63 High APR Loan 5 0 0 5 10 Hispanic Percent High APR 20.8% 0.0% 0.0% 29.4% 13.7% Table D.234 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Carver County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 0 0 0 0 0 High APR Loan 0 0 0 0 0 American Indian Percent High APR . . . . . Other Originated 2 6 5 1 14 High APR Loan 2 2 1 0 5 Asian Percent High APR 50.0% 25.0% 16.7% 0.0% 26.3% Other Originated 0 1 1 0 2 High APR Loan 1 0 0 0 1 Black or African American Percent High APR 100.0% 0.0% 0.0% . 33.3% Other Originated 181 201 205 177 764 High APR Loan 23 28 24 30 105 White Percent High APR 11.3% 12.2% 10.5% 14.5% 12.1% Other Originated 26 31 35 31 123 High APR Loan 4 3 3 0 10 Not Provided by Applicant Percent High APR 13.3% 8.8% 7.9% 0.0% 7.5% Other Originated 0 0 0 0 0 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . . . . . Other Originated 209 239 246 209 903 High APR Loan 30 33 28 30 121 Total Percent High APR 12.6% 12.1% 10.2% 12.6% 11.8% Other Originated 3 4 3 3 13 High APR Loan 0 0 0 1 1 Hispanic Percent High APR 0.0% 0.0% 0.0% 25.0% 7.1% ---PAGE BREAK--- FHIC Analysis of Impediments 195 Final Report: 10/27/09 Table D.235 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Dakota County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 4 2 9 7 22 High APR Loan 1 1 1 3 6 American Indian Percent High APR 20.0% 33.3% 10.0% 30.0% 21.4% Other Originated 34 30 30 39 133 High APR Loan 7 4 2 5 18 Asian Percent High APR 17.1% 11.8% 6.3% 11.4% 11.9% Other Originated 13 17 16 23 69 High APR Loan 6 7 4 4 21 Black or African American Percent High APR 31.6% 29.2% 20.0% 14.8% 23.3% Other Originated 1,075 1,027 1,095 933 4,130 High APR Loan 133 165 170 101 569 White Percent High APR 11.0% 13.8% 13.4% 9.8% 12.1% Other Originated 184 203 161 181 729 High APR Loan 16 22 12 12 62 Not Provided by Applicant Percent High APR 8.0% 9.8% 6.9% 6.2% 7.8% Other Originated 3 0 0 1 4 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . . 0.0% 0.0% Other Originated 1,313 1,279 1,311 1,184 5,087 High APR Loan 163 199 189 125 676 Total Percent High APR 11.0% 13.5% 12.6% 9.5% 11.7% Other Originated 27 31 25 23 106 High APR Loan 11 9 8 7 35 Hispanic Percent High APR 28.9% 22.5% 24.2% 23.3% 24.8% Table D.236 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Hennepin County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 7 10 11 4 32 High APR Loan 1 2 1 1 5 American Indian Percent High APR 12.5% 16.7% 8.3% 20.0% 13.5% Other Originated 75 51 64 39 229 High APR Loan 5 5 10 8 28 Asian Percent High APR 6.3% 8.9% 13.5% 17.0% 10.9% Other Originated 63 51 43 34 191 High APR Loan 17 20 15 12 64 Black or African American Percent High APR 21.3% 28.2% 25.9% 26.1% 25.1% Other Originated 1,217 1,187 1,247 1,164 4,815 High APR Loan 152 171 173 144 640 White Percent High APR 11.1% 12.6% 12.2% 11.0% 11.7% Other Originated 208 222 244 211 885 High APR Loan 16 24 24 21 85 Not Provided by Applicant Percent High APR 7.1% 9.8% 9.0% 9.1% 8.8% Other Originated 0 1 1 1 3 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . 0.0% 0.0% . 0.0% Other Originated 1,570 1,522 1,610 1,453 6,155 High APR Loan 191 222 223 186 822 Total Percent High APR 10.8% 12.7% 12.2% 11.3% 11.8% Other Originated 33 23 32 27 115 High APR Loan 2 10 7 10 29 Hispanic Percent High APR 5.7% 30.3% 17.9% 27.0% 20.1% ---PAGE BREAK--- FHIC Analysis of Impediments 196 Final Report: 10/27/09 Table D.237 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Ramsey County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 1 2 1 2 6 High APR Loan 0 2 0 1 3 American Indian Percent High APR 0.0% 50.0% 0.0% 33.3% 33.3% Other Originated 30 26 26 19 101 High APR Loan 1 5 4 1 11 Asian Percent High APR 3.2% 16.1% 13.3% 5.0% 9.8% Other Originated 14 10 12 7 43 High APR Loan 1 4 7 2 14 Black or African American Percent High APR 6.7% 28.6% 36.8% 22.2% 24.6% Other Originated 623 593 671 569 2,456 High APR Loan 74 71 90 47 282 White Percent High APR 10.6% 10.7% 11.8% 7.6% 10.3% Other Originated 157 116 100 93 466 High APR Loan 11 12 8 6 37 Not Provided by Applicant Percent High APR 6.5% 9.4% 7.4% 6.1% 7.4% Other Originated 2 0 1 0 3 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . 0.0% . 0.0% Other Originated 827 747 811 690 3,075 High APR Loan 87 94 109 57 347 Total Percent High APR 9.5% 11.2% 11.8% 7.6% 10.1% Other Originated 12 13 10 11 46 High APR Loan 1 1 0 1 3 Hispanic Percent High APR 7.7% 7.1% 0.0% 8.3% 6.1% Table D.238 Originated Owner-Occupied Home Improvement Loans by Race by Predatory Status Washington County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 3 3 2 0 8 High APR Loan 0 2 1 0 3 American Indian Percent High APR 0.0% 40.0% 33.3% . 27.3% Other Originated 7 8 12 11 38 High APR Loan 1 1 3 1 6 Asian Percent High APR 12.5% 11.1% 20.0% 8.3% 13.6% Other Originated 5 5 4 5 19 High APR Loan 3 1 1 2 7 Black or African American Percent High APR 37.5% 16.7% 20.0% 28.6% 26.9% Other Originated 620 580 606 523 2,329 High APR Loan 62 70 86 62 280 White Percent High APR 9.1% 10.8% 12.4% 10.6% 10.7% Other Originated 135 99 101 83 418 High APR Loan 12 9 7 7 35 Not Provided by Applicant Percent High APR 8.2% 8.3% 6.5% 7.8% 7.7% Other Originated 0 0 0 0 0 High APR Loan 0 0 0 2 2 Not Applicable Percent High APR . . . 100.0% 100.0% Other Originated 770 695 725 622 2,812 High APR Loan 78 83 98 74 333 Total Percent High APR 9.2% 10.7% 11.9% 10.6% 10.6% Other Originated 6 2 15 7 30 High APR Loan 2 3 5 0 10 Hispanic Percent High APR 25.0% 60.0% 25.0% 0.0% 25.0% ---PAGE BREAK--- FHIC Analysis of Impediments 197 Final Report: 10/27/09 Table D.239 Originated Owner-Occupied Refinance Loans by Race by Predatory Status Fair Housing Implementation Council HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 273 182 126 95 676 High APR Loan 102 131 97 38 368 American Indian Percent High APR 27.2% 41.9% 43.5% 28.6% 35.2% Other Originated 2,436 1,757 1,311 1,149 6,653 High APR Loan 339 643 655 299 1,936 Asian Percent High APR 12.2% 26.8% 33.3% 20.6% 22.5% Other Originated 2,188 1,366 1,117 964 5,635 High APR Loan 896 1,520 1,290 483 4,189 Black or African American Percent High APR 29.1% 52.7% 53.6% 33.4% 42.6% Other Originated 58,139 45,643 31,143 27,568 162,493 High APR Loan 7,108 12,349 10,975 5,278 35,710 White Percent High APR 10.9% 21.3% 26.1% 16.1% 18.0% Other Originated 7,878 5,321 4,657 4,083 21,939 High APR Loan 1,717 2,127 1,907 825 6,576 Not Provided by Applicant Percent High APR 17.9% 28.6% 29.1% 16.8% 23.1% Other Originated 127 31 25 14 197 High APR Loan 24 1 2 2 29 Not Applicable Percent High APR 15.9% 3.1% 7.4% 12.5% 12.8% Other Originated 71,041 54,300 38,379 33,873 197,593 High APR Loan 10,186 16,771 14,926 6,925 48,808 Total Percent High APR 12.5% 23.6% 28.0% 17.0% 19.8% Other Originated 1,692 1,244 926 891 4,753 High APR Loan 436 953 931 398 2,718 Hispanic Percent High APR 20.5% 43.4% 50.1% 30.9% 36.4% Table D.240 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Bloomington City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 7 7 1 5 20 High APR Loan 0 6 2 1 9 American Indian Percent High APR 0.0% 46.2% 66.7% 16.7% 31.0% Other Originated 100 57 44 36 237 High APR Loan 13 14 14 5 46 Asian Percent High APR 11.5% 19.7% 24.1% 12.2% 16.3% Other Originated 41 34 23 26 124 High APR Loan 7 22 22 6 57 Black or African American Percent High APR 14.6% 39.3% 48.9% 18.8% 31.5% Other Originated 1,670 1,318 857 761 4,606 High APR Loan 150 289 280 136 855 White Percent High APR 8.2% 18.0% 24.6% 15.2% 15.7% Other Originated 209 149 158 122 638 High APR Loan 39 36 44 18 137 Not Provided by Applicant Percent High APR 15.7% 19.5% 21.8% 12.9% 17.7% Other Originated 7 0 2 0 9 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . 0.0% . 0.0% Other Originated 2,034 1,565 1,085 950 5,634 High APR Loan 209 367 362 166 1,104 Total Percent High APR 9.3% 19.0% 25.0% 14.9% 16.4% Other Originated 68 31 38 34 171 High APR Loan 16 34 33 14 97 Hispanic Percent High APR 19.0% 52.3% 46.5% 29.2% 36.2% ---PAGE BREAK--- FHIC Analysis of Impediments 198 Final Report: 10/27/09 Table D.241 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Eden Prairie City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 2 2 1 2 7 High APR Loan 2 0 0 0 2 American Indian Percent High APR 50.0% 0.0% 0.0% 0.0% 22.2% Other Originated 64 49 30 32 175 High APR Loan 5 9 4 5 23 Asian Percent High APR 7.2% 15.5% 11.8% 13.5% 11.6% Other Originated 22 20 12 11 65 High APR Loan 4 6 7 4 21 Black or African American Percent High APR 15.4% 23.1% 36.8% 26.7% 24.4% Other Originated 1,427 1,029 697 634 3,787 High APR Loan 85 167 156 71 479 White Percent High APR 5.6% 14.0% 18.3% 10.1% 11.2% Other Originated 201 118 108 101 528 High APR Loan 24 23 30 8 85 Not Provided by Applicant Percent High APR 10.7% 16.3% 21.7% 7.3% 13.9% Other Originated 1 0 2 0 3 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% . 0.0% . 0.0% Other Originated 1,717 1,218 850 780 4,565 High APR Loan 120 205 197 88 610 Total Percent High APR 6.5% 14.4% 18.8% 10.1% 11.8% Other Originated 22 13 11 12 58 High APR Loan 5 5 7 3 20 Hispanic Percent High APR 18.5% 27.8% 38.9% 20.0% 25.6% Table D.242 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Minneapolis City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 65 34 29 24 152 High APR Loan 25 46 22 6 99 American Indian Percent High APR 27.8% 57.5% 43.1% 20.0% 39.4% Other Originated 255 166 124 92 637 High APR Loan 42 90 85 29 246 Asian Percent High APR 14.1% 35.2% 40.7% 24.0% 27.9% Other Originated 731 448 333 227 1,739 High APR Loan 413 584 428 138 1,563 Black or African American Percent High APR 36.1% 56.6% 56.2% 37.8% 47.3% Other Originated 5,855 4,511 3,016 2,649 16,031 High APR Loan 870 1,393 1,136 557 3,956 White Percent High APR 12.9% 23.6% 27.4% 17.4% 19.8% Other Originated 962 592 582 468 2,604 High APR Loan 282 358 254 133 1,027 Not Provided by Applicant Percent High APR 22.7% 37.7% 30.4% 22.1% 28.3% Other Originated 23 1 0 3 27 High APR Loan 6 0 1 1 8 Not Applicable Percent High APR 20.7% 0.0% 100.0% 25.0% 22.9% Other Originated 7,891 5,752 4,084 3,463 21,190 High APR Loan 1,638 2,471 1,926 864 6,899 Total Percent High APR 17.2% 30.0% 32.0% 20.0% 24.6% Other Originated 353 244 184 166 947 High APR Loan 118 254 242 94 708 Hispanic Percent High APR 25.1% 51.0% 56.8% 36.2% 42.8% ---PAGE BREAK--- FHIC Analysis of Impediments 199 Final Report: 10/27/09 Table D.243 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Minnetonka City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 3 2 0 2 7 High APR Loan 1 1 0 0 2 American Indian Percent High APR 25.0% 33.3% . 0.0% 22.2% Other Originated 22 9 5 9 45 High APR Loan 0 3 3 2 8 Asian Percent High APR 0.0% 25.0% 37.5% 18.2% 15.1% Other Originated 11 5 7 9 32 High APR Loan 1 3 3 0 7 Black or African American Percent High APR 8.3% 37.5% 30.0% 0.0% 17.9% Other Originated 1,215 969 590 553 3,327 High APR Loan 75 137 126 69 407 White Percent High APR 5.8% 12.4% 17.6% 11.1% 10.9% Other Originated 148 95 100 90 433 High APR Loan 20 22 25 12 79 Not Provided by Applicant Percent High APR 11.9% 18.8% 20.0% 11.8% 15.4% Other Originated 3 1 0 0 4 High APR Loan 1 0 0 0 1 Not Applicable Percent High APR 25.0% 0.0% . . 20.0% Other Originated 1,402 1,081 702 663 3,848 High APR Loan 98 166 157 83 504 Total Percent High APR 6.5% 13.3% 18.3% 11.1% 11.6% Other Originated 22 9 12 6 49 High APR Loan 1 6 2 1 10 Hispanic Percent High APR 4.3% 40.0% 14.3% 14.3% 16.9% Table D.244 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Plymouth City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 1 2 2 1 6 High APR Loan 0 0 3 1 4 American Indian Percent High APR 0.0% 0.0% 60.0% 50.0% 40.0% Other Originated 61 45 27 36 169 High APR Loan 2 3 3 3 11 Asian Percent High APR 3.2% 6.3% 10.0% 7.7% 6.1% Other Originated 25 11 14 8 58 High APR Loan 7 6 6 5 24 Black or African American Percent High APR 21.9% 35.3% 30.0% 38.5% 29.3% Other Originated 1,540 1,056 735 686 4,017 High APR Loan 100 180 162 102 544 White Percent High APR 6.1% 14.6% 18.1% 12.9% 11.9% Other Originated 221 140 140 106 607 High APR Loan 15 29 20 13 77 Not Provided by Applicant Percent High APR 6.4% 17.2% 12.5% 10.9% 11.3% Other Originated 2 3 0 1 6 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR 0.0% 0.0% . 0.0% 0.0% Other Originated 1,850 1,257 918 838 4,863 High APR Loan 124 218 194 124 660 Total Percent High APR 6.3% 14.8% 17.4% 12.9% 12.0% Other Originated 17 19 9 6 51 High APR Loan 2 3 9 1 15 Hispanic Percent High APR 10.5% 13.6% 50.0% 14.3% 22.7% ---PAGE BREAK--- FHIC Analysis of Impediments 200 Final Report: 10/27/09 Table D.245 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status St. Paul City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 33 25 14 12 84 High APR Loan 17 17 25 5 64 American Indian Percent High APR 34.0% 40.5% 64.1% 29.4% 43.2% Other Originated 469 309 241 156 1,175 High APR Loan 77 167 161 69 474 Asian Percent High APR 14.1% 35.1% 40.0% 30.7% 28.7% Other Originated 334 187 150 121 792 High APR Loan 140 235 216 82 673 Black or African American Percent High APR 29.5% 55.7% 59.0% 40.4% 45.9% Other Originated 4,220 3,268 2,044 1,894 11,426 High APR Loan 730 1,219 951 479 3,379 White Percent High APR 14.7% 27.2% 31.8% 20.2% 22.8% Other Originated 745 459 324 304 1,832 High APR Loan 228 282 245 92 847 Not Provided by Applicant Percent High APR 23.4% 38.1% 43.1% 23.2% 31.6% Other Originated 14 3 0 0 17 High APR Loan 3 0 1 0 4 Not Applicable Percent High APR 17.6% . 100.0% . 19.0% Other Originated 5,815 4,251 2,773 2,487 15,326 High APR Loan 1,195 1,920 1,599 727 5,441 Total Percent High APR 17.0% 31.1% 36.6% 22.6% 26.2% Other Originated 305 216 149 156 826 High APR Loan 92 195 175 72 534 Hispanic Percent High APR 23.2% 47.4% 54.0% 31.6% 39.3% Table D.246 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Woodbury City HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 4 6 0 0 10 High APR Loan 0 1 2 0 3 American Indian Percent High APR 0.0% 14.3% 100.0% . 23.1% Other Originated 92 47 42 33 214 High APR Loan 5 9 10 9 33 Asian Percent High APR 5.2% 16.1% 19.2% 21.4% 13.4% Other Originated 63 36 33 29 161 High APR Loan 6 24 14 9 53 Black or African American Percent High APR 8.7% 40.0% 29.8% 23.7% 24.8% Other Originated 1,295 1,011 669 610 3,585 High APR Loan 108 206 185 83 582 White Percent High APR 7.7% 16.9% 21.7% 12.0% 14.0% Other Originated 190 120 104 98 512 High APR Loan 22 40 27 13 102 Not Provided by Applicant Percent High APR 10.4% 25.0% 20.6% 11.7% 16.6% Other Originated 0 1 2 0 3 High APR Loan 0 0 0 0 0 Not Applicable Percent High APR . 0.0% 0.0% . 0.0% Other Originated 1,644 1,221 850 770 4,485 High APR Loan 141 280 238 114 773 Total Percent High APR 7.9% 18.7% 21.9% 12.9% 14.7% Other Originated 25 19 13 13 70 High APR Loan 2 3 5 3 13 Hispanic Percent High APR 7.4% 13.6% 27.8% 18.8% 15.7% ---PAGE BREAK--- FHIC Analysis of Impediments 201 Final Report: 10/27/09 Table D.247 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Anoka County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 28 27 22 13 90 High APR Loan 14 20 9 3 46 American Indian Percent High APR 33.3% 42.6% 29.0% 18.8% 33.8% Other Originated 206 159 132 108 605 High APR Loan 34 46 74 26 180 Asian Percent High APR 14.2% 22.4% 35.9% 19.4% 22.9% Other Originated 120 78 67 81 346 High APR Loan 41 83 90 23 237 Black or African American Percent High APR 25.5% 51.6% 57.3% 22.1% 40.7% Other Originated 8,884 7,100 5,044 4,268 25,296 High APR Loan 1,298 2,252 2,000 951 6,501 White Percent High APR 12.7% 24.1% 28.4% 18.2% 20.4% Other Originated 1,055 709 662 595 3,021 High APR Loan 292 321 323 132 1,068 Not Provided by Applicant Percent High APR 21.7% 31.2% 32.8% 18.2% 26.1% Other Originated 13 3 1 2 19 High APR Loan 4 0 0 0 4 Not Applicable Percent High APR 23.5% 0.0% 0.0% 0.0% 17.4% Other Originated 10,306 8,076 5,928 5,067 29,377 High APR Loan 1,683 2,722 2,496 1,135 8,036 Total Percent High APR 14.0% 25.2% 29.6% 18.3% 21.5% Other Originated 169 142 91 85 487 High APR Loan 40 88 95 33 256 Hispanic Percent High APR 19.1% 38.3% 51.1% 28.0% 34.5% Table D.248 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Carver County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 5 2 3 0 10 High APR Loan 1 0 1 0 2 American Indian Percent High APR 16.7% 0.0% 25.0% . 16.7% Other Originated 32 18 21 14 85 High APR Loan 4 6 15 3 28 Asian Percent High APR 11.1% 25.0% 41.7% 17.6% 24.8% Other Originated 13 7 9 6 35 High APR Loan 2 3 5 1 11 Black or African American Percent High APR 13.3% 30.0% 35.7% 14.3% 23.9% Other Originated 2,162 1,712 1,309 1,092 6,275 High APR Loan 231 411 384 186 1,212 White Percent High APR 9.7% 19.4% 22.7% 14.6% 16.2% Other Originated 242 179 192 155 768 High APR Loan 33 64 67 25 189 Not Provided by Applicant Percent High APR 12.0% 26.3% 25.9% 13.9% 19.7% Other Originated 1 1 2 1 5 High APR Loan 1 0 0 0 1 Not Applicable Percent High APR 50.0% 0.0% 0.0% 0.0% 16.7% Other Originated 2,455 1,919 1,536 1,268 7,178 High APR Loan 272 484 472 215 1,443 Total Percent High APR 10.0% 20.1% 23.5% 14.5% 16.7% Other Originated 39 20 17 12 88 High APR Loan 5 11 15 11 42 Hispanic Percent High APR 11.4% 35.5% 46.9% 47.8% 32.3% ---PAGE BREAK--- FHIC Analysis of Impediments 202 Final Report: 10/27/09 Table D.249 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Dakota County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 35 21 18 11 85 High APR Loan 15 16 11 2 44 American Indian Percent High APR 30.0% 43.2% 37.9% 15.4% 34.1% Other Originated 315 234 144 152 845 High APR Loan 44 92 83 37 256 Asian Percent High APR 12.3% 28.2% 36.6% 19.6% 23.3% Other Originated 197 127 111 105 540 High APR Loan 55 108 78 47 288 Black or African American Percent High APR 21.8% 46.0% 41.3% 30.9% 34.8% Other Originated 9,403 7,588 5,152 4,573 26,716 High APR Loan 1,045 2,032 1,863 872 5,812 White Percent High APR 10.0% 21.1% 26.6% 16.0% 17.9% Other Originated 1,228 919 703 644 3,494 High APR Loan 257 296 268 121 942 Not Provided by Applicant Percent High APR 17.3% 24.4% 27.6% 15.8% 21.2% Other Originated 16 1 4 4 25 High APR Loan 2 0 0 1 3 Not Applicable Percent High APR 11.1% 0.0% 0.0% 20.0% 10.7% Other Originated 11,194 8,890 6,132 5,489 31,705 High APR Loan 1,418 2,544 2,303 1,080 7,345 Total Percent High APR 11.2% 22.2% 27.3% 16.4% 18.8% Other Originated 237 172 145 135 689 High APR Loan 54 108 110 61 333 Hispanic Percent High APR 18.6% 38.6% 43.1% 31.1% 32.6% Table D.250 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Hennepin County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 58 37 20 14 129 High APR Loan 21 12 16 10 59 American Indian Percent High APR 26.6% 24.5% 44.4% 41.7% 31.4% Other Originated 525 394 303 327 1,549 High APR Loan 84 139 137 67 427 Asian Percent High APR 13.8% 26.1% 31.1% 17.0% 21.6% Other Originated 497 320 293 253 1,363 High APR Loan 175 371 343 141 1,030 Black or African American Percent High APR 26.0% 53.7% 53.9% 35.8% 43.0% Other Originated 11,560 8,831 6,136 5,504 32,031 High APR Loan 1,385 2,280 2,113 996 6,774 White Percent High APR 10.7% 20.5% 25.6% 15.3% 17.5% Other Originated 1,552 1,049 955 798 4,354 High APR Loan 315 389 371 143 1,218 Not Provided by Applicant Percent High APR 16.9% 27.1% 28.0% 15.2% 21.9% Other Originated 35 13 4 2 54 High APR Loan 4 0 0 0 4 Not Applicable Percent High APR 10.3% 0.0% 0.0% 0.0% 6.9% Other Originated 14,227 10,644 7,711 6,898 39,480 High APR Loan 1,984 3,191 2,980 1,357 9,512 Total Percent High APR 12.2% 23.1% 27.9% 16.4% 19.4% Other Originated 283 227 168 174 852 High APR Loan 72 180 168 84 504 Hispanic Percent High APR 20.3% 44.2% 50.0% 32.6% 37.2% ---PAGE BREAK--- FHIC Analysis of Impediments 203 Final Report: 10/27/09 Table D.251 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Ramsey County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 20 9 9 5 43 High APR Loan 0 5 2 5 12 American Indian Percent High APR 0.0% 35.7% 18.2% 50.0% 21.8% Other Originated 196 163 112 89 560 High APR Loan 16 36 46 20 118 Asian Percent High APR 7.5% 18.1% 29.1% 18.3% 17.4% Other Originated 77 57 35 50 219 High APR Loan 29 41 40 17 127 Black or African American Percent High APR 27.4% 41.8% 53.3% 25.4% 36.7% Other Originated 4,315 3,542 2,326 2,077 12,260 High APR Loan 503 826 740 380 2,449 White Percent High APR 10.4% 18.9% 24.1% 15.5% 16.6% Other Originated 571 408 323 329 1,631 High APR Loan 93 113 114 56 376 Not Provided by Applicant Percent High APR 14.0% 21.7% 26.1% 14.5% 18.7% Other Originated 8 3 2 1 14 High APR Loan 1 0 0 0 1 Not Applicable Percent High APR 11.1% 0.0% 0.0% 0.0% 6.7% Other Originated 5,187 4,182 2,807 2,551 14,727 High APR Loan 642 1,021 942 478 3,083 Total Percent High APR 11.0% 19.6% 25.1% 15.8% 17.3% Other Originated 70 59 42 46 217 High APR Loan 17 37 40 11 105 Hispanic Percent High APR 19.5% 38.5% 48.8% 19.3% 32.6% Table D.252 Originated Owner-Occupied Refinanced Loans by Race by Predatory Status Washington County HMDA Data 2004 - 2007 Race Loan Type 2004 2005 2006 2007 Total Other Originated 12 8 7 6 33 High APR Loan 6 7 4 5 22 American Indian Percent High APR 33.3% 46.7% 36.4% 45.5% 40.0% Other Originated 99 107 86 65 357 High APR Loan 13 29 20 24 86 Asian Percent High APR 11.6% 21.3% 18.9% 27.0% 19.4% Other Originated 57 36 30 38 161 High APR Loan 16 34 38 10 98 Black or African American Percent High APR 21.9% 48.6% 55.9% 20.8% 37.8% Other Originated 4,593 3,708 2,568 2,267 13,136 High APR Loan 528 957 879 396 2,760 White Percent High APR 10.3% 20.5% 25.5% 14.9% 17.4% Other Originated 554 384 306 273 1,517 High APR Loan 97 154 119 59 429 Not Provided by Applicant Percent High APR 14.9% 28.6% 28.0% 17.8% 22.0% Other Originated 4 1 6 0 11 High APR Loan 2 1 0 0 3 Not Applicable Percent High APR 33.3% 50.0% 0.0% . 21.4% Other Originated 5,319 4,244 3,003 2,649 15,215 High APR Loan 662 1,182 1,060 494 3,398 Total Percent High APR 11.1% 21.8% 26.1% 15.7% 18.3% Other Originated 82 73 47 46 248 High APR Loan 12 29 30 10 81 Hispanic Percent High APR 12.8% 28.4% 39.0% 17.9% 24.6% ---PAGE BREAK--- FHIC Analysis of Impediments 204 Final Report: 10/27/09 Table D.253 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Fair Housing Implementation Council HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 118 68 197 28 411 High APR Loan 7 7 4 2 20 $15,000 or less Percent High APR 5.6% 9.3% 2.0% 6.7% 4.6% Other Originated 1,883 1,197 859 796 4,735 High APR Loan 176 295 179 98 748 More than $15,000 up to $30,000 Percent High APR 8.5% 19.8% 17.2% 11.0% 13.6% Other Originated 9,680 7,165 5,292 4,471 26,608 High APR Loan 1,175 2,765 1,403 441 5,784 More than $30,000 up to $45,000 Percent High APR 10.8% 27.8% 21.0% 9.0% 17.9% Other Originated 11,663 9,944 8,103 5,977 35,687 High APR Loan 1,853 4,956 3,288 733 10,830 More than $45,000 up to $60,000 Percent High APR 13.7% 33.3% 28.9% 10.9% 23.3% Other Originated 8,476 7,888 6,790 5,205 28,359 High APR Loan 1,206 3,074 2,635 600 7,515 More than $60,000 up to $75,000 Percent High APR 12.5% 28.0% 28.0% 10.3% 20.9% Other Originated 20,605 21,604 19,938 15,600 77,747 High APR Loan 1,555 4,541 4,721 1,251 12,068 More than $75,000 Percent High APR 7.0% 17.4% 19.1% 7.4% 13.4% Other Originated 1,956 1,713 1,348 720 5,737 High APR Loan 126 340 752 232 1,450 Data Missing Percent High APR 6.1% 16.6% 35.8% 24.4% 20.2% Other Originated 54,381 49,579 42,527 32,797 179,284 Total High APR Loan 6,098 15,978 12,982 3,357 38,415 Percent High APR 10.1% 24.4% 23.4% 9.3% 17.6% Table D.254 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Bloomington City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 0 0 3 0 3 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR . . 0.0% . 0.0% Other Originated 67 27 30 10 134 High APR Loan 1 7 2 0 10 More than $15,000 up to $30,000 Percent High APR 1.5% 20.6% 6.3% 0.0% 6.9% Other Originated 226 163 129 118 636 High APR Loan 27 59 23 4 113 More than $30,000 up to $45,000 Percent High APR 10.7% 26.6% 15.1% 3.3% 15.1% Other Originated 304 228 228 159 919 High APR Loan 50 130 61 12 253 More than $45,000 up to $60,000 Percent High APR 14.1% 36.3% 21.1% 7.0% 21.6% Other Originated 176 189 222 136 723 High APR Loan 24 69 57 7 157 More than $60,000 up to $75,000 Percent High APR 12.0% 26.7% 20.4% 4.9% 17.8% Other Originated 396 434 440 349 1,619 High APR Loan 22 84 100 11 217 More than $75,000 Percent High APR 5.3% 16.2% 18.5% 3.1% 11.8% Other Originated 43 45 33 22 143 High APR Loan 5 8 19 6 38 Data Missing Percent High APR 10.4% 15.1% 36.5% 21.4% 21.0% Other Originated 1,212 1,086 1,085 794 4,177 Total High APR Loan 129 357 262 40 788 Percent High APR 9.6% 24.7% 19.5% 4.8% 15.9% ---PAGE BREAK--- FHIC Analysis of Impediments 205 Final Report: 10/27/09 Table D.255 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Eden Prairie City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 2 2 2 1 7 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 24 21 7 9 61 High APR Loan 1 2 2 0 5 More than $15,000 up to $30,000 Percent High APR 4.0% 8.7% 22.2% 0.0% 7.6% Other Originated 184 138 86 72 480 High APR Loan 15 23 9 1 48 More than $30,000 up to $45,000 Percent High APR 7.5% 14.3% 9.5% 1.4% 9.1% Other Originated 206 197 191 133 727 High APR Loan 15 46 30 9 100 More than $45,000 up to $60,000 Percent High APR 6.8% 18.9% 13.6% 6.3% 12.1% Other Originated 170 197 174 103 644 High APR Loan 15 41 37 7 100 More than $60,000 up to $75,000 Percent High APR 8.1% 17.2% 17.5% 6.4% 13.4% Other Originated 864 867 820 704 3,255 High APR Loan 38 113 104 28 283 More than $75,000 Percent High APR 4.2% 11.5% 11.3% 3.8% 8.0% Other Originated 73 38 44 17 172 High APR Loan 2 5 14 2 23 Data Missing Percent High APR 2.7% 11.6% 24.1% 10.5% 11.8% Other Originated 1,523 1,460 1,324 1,039 5,346 Total High APR Loan 86 230 196 47 559 Percent High APR 5.3% 13.6% 12.9% 4.3% 9.5% Table D.256 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Minneapolis City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 10 10 40 5 65 High APR Loan 0 3 0 0 3 $15,000 or less Percent High APR 0.0% 23.1% 0.0% 0.0% 4.4% Other Originated 268 192 112 137 709 High APR Loan 38 61 31 25 155 More than $15,000 up to $30,000 Percent High APR 12.4% 24.1% 21.7% 15.4% 17.9% Other Originated 1,263 977 829 672 3,741 High APR Loan 227 511 239 85 1,062 More than $30,000 up to $45,000 Percent High APR 15.2% 34.3% 22.4% 11.2% 22.1% Other Originated 1,383 1,387 1,083 847 4,700 High APR Loan 274 736 585 150 1,745 More than $45,000 up to $60,000 Percent High APR 16.5% 34.7% 35.1% 15.0% 27.1% Other Originated 950 964 859 699 3,472 High APR Loan 180 498 486 97 1,261 More than $60,000 up to $75,000 Percent High APR 15.9% 34.1% 36.1% 12.2% 26.6% Other Originated 2,207 2,589 2,423 2,163 9,382 High APR Loan 258 727 772 175 1,932 More than $75,000 Percent High APR 10.5% 21.9% 24.2% 7.5% 17.1% Other Originated 221 238 164 124 747 High APR Loan 25 41 91 34 191 Data Missing Percent High APR 10.2% 14.7% 35.7% 21.5% 20.4% Other Originated 6,302 6,357 5,510 4,647 22,816 Total High APR Loan 1,002 2,577 2,204 566 6,349 Percent High APR 13.7% 28.8% 28.6% 10.9% 21.8% ---PAGE BREAK--- FHIC Analysis of Impediments 206 Final Report: 10/27/09 Table D.257 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Minnetonka City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 1 1 3 0 5 High APR Loan 0 0 1 0 1 $15,000 or less Percent High APR 0.0% 0.0% 25.0% . 16.7% Other Originated 21 10 13 13 57 High APR Loan 0 0 2 0 2 More than $15,000 up to $30,000 Percent High APR 0.0% 0.0% 13.3% 0.0% 3.4% Other Originated 116 94 96 44 350 High APR Loan 3 19 4 2 28 More than $30,000 up to $45,000 Percent High APR 2.5% 16.8% 4.0% 4.3% 7.4% Other Originated 116 104 103 66 389 High APR Loan 6 14 12 4 36 More than $45,000 up to $60,000 Percent High APR 4.9% 11.9% 10.4% 5.7% 8.5% Other Originated 123 92 118 96 429 High APR Loan 9 26 18 11 64 More than $60,000 up to $75,000 Percent High APR 6.8% 22.0% 13.2% 10.3% 13.0% Other Originated 526 484 459 360 1,829 High APR Loan 19 52 68 36 175 More than $75,000 Percent High APR 3.5% 9.7% 12.9% 9.1% 8.7% Other Originated 39 26 28 12 105 High APR Loan 1 7 9 5 22 Data Missing Percent High APR 2.5% 21.2% 24.3% 29.4% 17.3% Other Originated 942 811 820 591 3,164 Total High APR Loan 38 118 114 58 328 Percent High APR 3.9% 12.7% 12.2% 8.9% 9.4% Table D.258 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Plymouth City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 6 2 1 0 9 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% 0.0% . 0.0% Other Originated 40 29 12 18 99 High APR Loan 2 3 1 0 6 More than $15,000 up to $30,000 Percent High APR 4.8% 9.4% 7.7% 0.0% 5.7% Other Originated 189 140 78 77 484 High APR Loan 12 16 6 1 35 More than $30,000 up to $45,000 Percent High APR 6.0% 10.3% 7.1% 1.3% 6.7% Other Originated 240 202 140 117 699 High APR Loan 19 36 26 9 90 More than $45,000 up to $60,000 Percent High APR 7.3% 15.1% 15.7% 7.1% 11.4% Other Originated 178 187 156 115 636 High APR Loan 9 39 29 10 87 More than $60,000 up to $75,000 Percent High APR 4.8% 17.3% 15.7% 8.0% 12.0% Other Originated 719 774 720 554 2,767 High APR Loan 39 77 71 29 216 More than $75,000 Percent High APR 5.1% 9.0% 9.0% 5.0% 7.2% Other Originated 63 46 26 20 155 High APR Loan 1 5 15 4 25 Data Missing Percent High APR 1.6% 9.8% 36.6% 16.7% 13.9% Other Originated 1,435 1,380 1,133 901 4,849 Total High APR Loan 82 176 148 53 459 Percent High APR 5.4% 11.3% 11.6% 5.6% 8.6% ---PAGE BREAK--- FHIC Analysis of Impediments 207 Final Report: 10/27/09 Table D.259 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status St. Paul City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 6 9 28 3 46 High APR Loan 1 0 1 0 2 $15,000 or less Percent High APR 14.3% 0.0% 3.4% 0.0% 4.2% Other Originated 244 123 120 112 599 High APR Loan 34 57 33 13 137 More than $15,000 up to $30,000 Percent High APR 12.2% 31.7% 21.6% 10.4% 18.6% Other Originated 1,066 744 549 456 2,815 High APR Loan 178 426 252 59 915 More than $30,000 up to $45,000 Percent High APR 14.3% 36.4% 31.5% 11.5% 24.5% Other Originated 1,007 928 724 539 3,198 High APR Loan 217 727 539 94 1,577 More than $45,000 up to $60,000 Percent High APR 17.7% 43.9% 42.7% 14.8% 33.0% Other Originated 551 531 525 403 2,010 High APR Loan 117 292 307 77 793 More than $60,000 up to $75,000 Percent High APR 17.5% 35.5% 36.9% 16.0% 28.3% Other Originated 1,085 1,173 1,095 866 4,219 High APR Loan 92 360 451 105 1,008 More than $75,000 Percent High APR 7.8% 23.5% 29.2% 10.8% 19.3% Other Originated 142 122 107 48 419 High APR Loan 22 27 64 27 140 Data Missing Percent High APR 13.4% 18.1% 37.4% 36.0% 25.0% Other Originated 4,101 3,630 3,148 2,427 13,306 Total High APR Loan 661 1,889 1,647 375 4,572 Percent High APR 13.9% 34.2% 34.3% 13.4% 25.6% Table D.260 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Woodbury City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 10 0 6 0 16 High APR Loan 1 0 0 0 1 $15,000 or less Percent High APR 9.1% . 0.0% . 5.9% Other Originated 33 30 22 16 101 High APR Loan 2 4 0 1 7 More than $15,000 up to $30,000 Percent High APR 5.7% 11.8% 0.0% 5.9% 6.5% Other Originated 239 183 134 120 676 High APR Loan 7 33 19 7 66 More than $30,000 up to $45,000 Percent High APR 2.8% 15.3% 12.4% 5.5% 8.9% Other Originated 287 266 224 197 974 High APR Loan 32 71 44 7 154 More than $45,000 up to $60,000 Percent High APR 10.0% 21.1% 16.4% 3.4% 13.7% Other Originated 252 288 216 148 904 High APR Loan 33 60 30 9 132 More than $60,000 up to $75,000 Percent High APR 11.6% 17.2% 12.2% 5.7% 12.7% Other Originated 900 1,028 905 710 3,543 High APR Loan 42 151 170 44 407 More than $75,000 Percent High APR 4.5% 12.8% 15.8% 5.8% 10.3% Other Originated 62 59 62 17 200 High APR Loan 3 11 29 9 52 Data Missing Percent High APR 4.6% 15.7% 31.9% 34.6% 20.6% Other Originated 1,783 1,854 1,569 1,208 6,414 Total High APR Loan 120 330 292 77 819 Percent High APR 6.3% 15.1% 15.7% 6.0% 11.3% ---PAGE BREAK--- FHIC Analysis of Impediments 208 Final Report: 10/27/09 Table D.261 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Anoka County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 19 6 14 3 42 High APR Loan 2 1 1 2 6 $15,000 or less Percent High APR 9.5% 14.3% 6.7% 40.0% 12.5% Other Originated 245 161 98 89 593 High APR Loan 31 44 30 27 132 More than $15,000 up to $30,000 Percent High APR 11.2% 21.5% 23.4% 23.3% 18.2% Other Originated 1,461 1,006 659 568 3,694 High APR Loan 185 473 235 86 979 More than $30,000 up to $45,000 Percent High APR 11.2% 32.0% 26.3% 13.1% 21.0% Other Originated 1,751 1,427 1,063 814 5,055 High APR Loan 287 749 492 99 1,627 More than $45,000 up to $60,000 Percent High APR 14.1% 34.4% 31.6% 10.8% 24.3% Other Originated 1,347 1,149 872 663 4,031 High APR Loan 195 521 376 86 1,178 More than $60,000 up to $75,000 Percent High APR 12.6% 31.2% 30.1% 11.5% 22.6% Other Originated 2,330 2,452 2,041 1,399 8,222 High APR Loan 238 659 653 157 1,707 More than $75,000 Percent High APR 9.3% 21.2% 24.2% 10.1% 17.2% Other Originated 250 232 152 69 703 High APR Loan 23 60 96 35 214 Data Missing Percent High APR 8.4% 20.5% 38.7% 33.7% 23.3% Other Originated 7,403 6,433 4,899 3,605 22,340 Total High APR Loan 961 2,507 1,883 492 5,843 Percent High APR 11.5% 28.0% 27.8% 12.0% 20.7% Table D.262 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Carver County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 4 3 3 0 10 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% 0.0% . 0.0% Other Originated 50 42 30 24 146 High APR Loan 4 8 6 3 21 More than $15,000 up to $30,000 Percent High APR 7.4% 16.0% 16.7% 11.1% 12.6% Other Originated 308 257 165 144 874 High APR Loan 36 42 52 14 144 More than $30,000 up to $45,000 Percent High APR 10.5% 14.0% 24.0% 8.9% 14.1% Other Originated 407 404 298 177 1,286 High APR Loan 56 124 57 9 246 More than $45,000 up to $60,000 Percent High APR 12.1% 23.5% 16.1% 4.8% 16.1% Other Originated 340 373 262 193 1,168 High APR Loan 25 78 67 14 184 More than $60,000 up to $75,000 Percent High APR 6.8% 17.3% 20.4% 6.8% 13.6% Other Originated 1,160 1,144 1,129 847 4,280 High APR Loan 40 135 162 39 376 More than $75,000 Percent High APR 3.3% 10.6% 12.5% 4.4% 8.1% Other Originated 89 69 66 27 251 High APR Loan 1 10 22 3 36 Data Missing Percent High APR 1.1% 12.7% 25.0% 10.0% 12.5% Other Originated 2,358 2,292 1,953 1,412 8,015 Total High APR Loan 162 397 366 82 1,007 Percent High APR 6.4% 14.8% 15.8% 5.5% 11.2% ---PAGE BREAK--- FHIC Analysis of Impediments 209 Final Report: 10/27/09 Table D.263 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Dakota County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 19 12 29 9 69 High APR Loan 1 2 1 0 4 $15,000 or less Percent High APR 5.0% 14.3% 3.3% 0.0% 5.5% Other Originated 300 186 142 162 790 High APR Loan 19 35 15 7 76 More than $15,000 up to $30,000 Percent High APR 6.0% 15.8% 9.6% 4.1% 8.8% Other Originated 1,721 1,268 896 766 4,651 High APR Loan 178 396 176 45 795 More than $30,000 up to $45,000 Percent High APR 9.4% 23.8% 16.4% 5.5% 14.6% Other Originated 2,182 1,634 1,389 956 6,161 High APR Loan 309 730 425 96 1,560 More than $45,000 up to $60,000 Percent High APR 12.4% 30.9% 23.4% 9.1% 20.2% Other Originated 1,682 1,369 1,177 912 5,140 High APR Loan 200 458 348 95 1,101 More than $60,000 up to $75,000 Percent High APR 10.6% 25.1% 22.8% 9.4% 17.6% Other Originated 3,676 3,554 3,192 2,467 12,889 High APR Loan 256 723 655 195 1,829 More than $75,000 Percent High APR 6.5% 16.9% 17.0% 7.3% 12.4% Other Originated 354 296 210 103 963 High APR Loan 9 50 148 35 242 Data Missing Percent High APR 2.5% 14.5% 41.3% 25.4% 20.1% Other Originated 9,934 8,319 7,035 5,375 30,663 Total High APR Loan 972 2,394 1,768 473 5,607 Percent High APR 8.9% 22.3% 20.1% 8.1% 15.5% Table D.264 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Hennepin County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 16 11 51 4 82 High APR Loan 2 1 0 0 3 $15,000 or less Percent High APR 11.1% 8.3% 0.0% 0.0% 3.5% Other Originated 337 220 145 116 818 High APR Loan 25 45 29 7 106 More than $15,000 up to $30,000 Percent High APR 6.9% 17.0% 16.7% 5.7% 11.5% Other Originated 1,724 1,242 913 777 4,656 High APR Loan 190 475 236 89 990 More than $30,000 up to $45,000 Percent High APR 9.9% 27.7% 20.5% 10.3% 17.5% Other Originated 2,265 1,857 1,531 1,179 6,832 High APR Loan 378 1,045 696 178 2,297 More than $45,000 up to $60,000 Percent High APR 14.3% 36.0% 31.3% 13.1% 25.2% Other Originated 1,612 1,493 1,284 947 5,336 High APR Loan 267 656 595 124 1,642 More than $60,000 up to $75,000 Percent High APR 14.2% 30.5% 31.7% 11.6% 23.5% Other Originated 4,085 4,317 4,104 3,231 15,737 High APR Loan 332 918 969 296 2,515 More than $75,000 Percent High APR 7.5% 17.5% 19.1% 8.4% 13.8% Other Originated 382 320 267 145 1,114 High APR Loan 19 74 146 43 282 Data Missing Percent High APR 4.7% 18.8% 35.4% 22.9% 20.2% Other Originated 10,421 9,460 8,295 6,399 34,575 Total High APR Loan 1,213 3,214 2,671 737 7,835 Percent High APR 10.4% 25.4% 24.4% 10.3% 18.5% ---PAGE BREAK--- FHIC Analysis of Impediments 210 Final Report: 10/27/09 Table D.265 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Ramsey County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 10 6 5 1 22 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 149 87 65 39 340 High APR Loan 14 18 16 11 59 More than $15,000 up to $30,000 Percent High APR 8.6% 17.1% 19.8% 22.0% 14.8% Other Originated 612 480 397 345 1,834 High APR Loan 60 139 79 31 309 More than $30,000 up to $45,000 Percent High APR 8.9% 22.5% 16.6% 8.2% 14.4% Other Originated 758 636 578 439 2,411 High APR Loan 106 282 156 39 583 More than $45,000 up to $60,000 Percent High APR 12.3% 30.7% 21.3% 8.2% 19.5% Other Originated 528 492 489 451 1,960 High APR Loan 61 146 134 33 374 More than $60,000 up to $75,000 Percent High APR 10.4% 22.9% 21.5% 6.8% 16.0% Other Originated 1,149 1,249 1,257 945 4,600 High APR Loan 81 236 211 56 584 More than $75,000 Percent High APR 6.6% 15.9% 14.4% 5.6% 11.3% Other Originated 112 104 92 52 360 High APR Loan 6 24 45 8 83 Data Missing Percent High APR 5.1% 18.8% 32.8% 13.3% 18.7% Other Originated 3,318 3,054 2,883 2,272 11,527 Total High APR Loan 328 845 641 178 1,992 Percent High APR 9.0% 21.7% 18.2% 7.3% 14.7% Table D.266 Originated Owner-Occupied Home Purchase Loans by Income by Predatory Status Washington County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 15 6 12 2 35 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 105 69 63 51 288 High APR Loan 5 11 12 4 32 More than $15,000 up to $30,000 Percent High APR 4.5% 13.8% 16.0% 7.3% 10.0% Other Originated 571 473 361 312 1,717 High APR Loan 57 153 73 17 300 More than $30,000 up to $45,000 Percent High APR 9.1% 24.4% 16.8% 5.2% 14.9% Other Originated 757 674 551 354 2,336 High APR Loan 104 266 165 27 562 More than $45,000 up to $60,000 Percent High APR 12.1% 28.3% 23.0% 7.1% 19.4% Other Originated 567 564 436 339 1,906 High APR Loan 71 190 151 30 442 More than $60,000 up to $75,000 Percent High APR 11.1% 25.2% 25.7% 8.1% 18.8% Other Originated 1,508 1,539 1,353 1,005 5,405 High APR Loan 98 306 335 80 819 More than $75,000 Percent High APR 6.1% 16.6% 19.8% 7.4% 13.2% Other Originated 126 118 97 64 405 High APR Loan 9 18 54 21 102 Data Missing Percent High APR 6.7% 13.2% 35.8% 24.7% 20.1% Other Originated 3,649 3,443 2,873 2,127 12,092 Total High APR Loan 344 944 790 179 2,257 Percent High APR 8.6% 21.5% 21.6% 7.8% 15.7% ---PAGE BREAK--- FHIC Analysis of Impediments 211 Final Report: 10/27/09 Table D.267 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Fair Housing Implementation Council HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 49 41 34 28 152 High APR Loan 4 5 5 6 20 $15,000 or less Percent High APR 7.5% 10.9% 12.8% 17.6% 11.6% Other Originated 404 305 355 224 1,288 High APR Loan 72 72 84 42 270 More than $15,000 up to $30,000 Percent High APR 15.1% 19.1% 19.1% 15.8% 17.3% Other Originated 1,315 998 1,012 762 4,087 High APR Loan 256 264 215 125 860 More than $30,000 up to $45,000 Percent High APR 16.3% 20.9% 17.5% 14.1% 17.4% Other Originated 1,669 1,406 1,439 1,121 5,635 High APR Loan 288 264 266 203 1,021 More than $45,000 up to $60,000 Percent High APR 14.7% 15.8% 15.6% 15.3% 15.3% Other Originated 1,527 1,360 1,357 1,119 5,363 High APR Loan 164 226 230 154 774 More than $60,000 up to $75,000 Percent High APR 9.7% 14.2% 14.5% 12.1% 12.6% Other Originated 3,742 4,122 4,396 4,324 16,584 High APR Loan 301 369 467 361 1,498 More than $75,000 Percent High APR 7.4% 8.2% 9.6% 7.7% 8.3% Other Originated 121 153 159 140 573 High APR Loan 3 5 13 9 30 Data Missing Percent High APR 2.4% 3.2% 7.6% 6.0% 5.0% Other Originated 8,827 8,385 8,752 7,718 33,682 Total High APR Loan 1,088 1,205 1,280 900 4,473 Percent High APR 11.0% 12.6% 12.8% 10.4% 11.7% Table D.268 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Bloomington City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 2 1 1 0 4 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% 0.0% #DIV/0! 0.0% Other Originated 6 11 5 1 23 High APR Loan 2 0 2 0 4 More than $15,000 up to $30,000 Percent High APR 25.0% 0.0% 28.6% 0.0% 14.8% Other Originated 35 15 27 11 88 High APR Loan 6 8 1 5 20 More than $30,000 up to $45,000 Percent High APR 14.6% 34.8% 3.6% 31.3% 18.5% Other Originated 29 33 31 24 117 High APR Loan 2 12 6 6 26 More than $45,000 up to $60,000 Percent High APR 6.5% 26.7% 16.2% 20.0% 18.2% Other Originated 39 24 32 38 133 High APR Loan 3 3 1 2 9 More than $60,000 up to $75,000 Percent High APR 7.1% 11.1% 3.0% 5.0% 6.3% Other Originated 88 87 82 107 364 High APR Loan 11 11 14 7 43 More than $75,000 Percent High APR 11.1% 11.2% 14.6% 6.1% 10.6% Other Originated 4 5 3 3 15 High APR Loan 0 0 0 0 0 Data Missing Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 203 176 181 184 744 Total High APR Loan 24 34 24 20 102 Percent High APR 10.6% 16.2% 11.7% 9.8% 12.1% ---PAGE BREAK--- FHIC Analysis of Impediments 212 Final Report: 10/27/09 Table D.269 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Eden Prairie City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 0 1 0 0 1 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR . 0.0% . . 0.0% Other Originated 2 1 2 1 6 High APR Loan 1 0 0 0 1 More than $15,000 up to $30,000 Percent High APR 33.3% 0.0% 0.0% 0.0% 14.3% Other Originated 6 4 7 9 26 High APR Loan 5 2 1 0 8 More than $30,000 up to $45,000 Percent High APR 45.5% 33.3% 12.5% 0.0% 23.5% Other Originated 10 16 15 8 49 High APR Loan 4 2 6 0 12 More than $45,000 up to $60,000 Percent High APR 28.6% 11.1% 28.6% 0.0% 19.7% Other Originated 20 15 8 12 55 High APR Loan 3 3 2 1 9 More than $60,000 up to $75,000 Percent High APR 13.0% 16.7% 20.0% 7.7% 14.1% Other Originated 74 93 120 97 384 High APR Loan 6 7 6 10 29 More than $75,000 Percent High APR 7.5% 7.0% 4.8% 9.3% 7.0% Other Originated 2 4 6 2 14 High APR Loan 0 0 0 0 0 Data Missing Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 114 134 158 129 535 Total High APR Loan 19 14 15 11 59 Percent High APR 14.3% 9.5% 8.7% 7.9% 9.9% Table D.270 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Minneapolis City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 8 9 3 4 24 High APR Loan 1 0 0 1 2 $15,000 or less Percent High APR 11.1% 0.0% 0.0% 20.0% 7.7% Other Originated 68 60 61 40 229 High APR Loan 19 19 16 11 65 More than $15,000 up to $30,000 Percent High APR 21.8% 24.1% 20.8% 21.6% 22.1% Other Originated 215 155 157 111 638 High APR Loan 55 48 41 20 164 More than $30,000 up to $45,000 Percent High APR 20.4% 23.6% 20.7% 15.3% 20.4% Other Originated 226 190 155 159 730 High APR Loan 56 34 31 29 150 More than $45,000 up to $60,000 Percent High APR 19.9% 15.2% 16.7% 15.4% 17.0% Other Originated 157 138 156 144 595 High APR Loan 12 29 32 16 89 More than $60,000 up to $75,000 Percent High APR 7.1% 17.4% 17.0% 10.0% 13.0% Other Originated 316 334 381 414 1,445 High APR Loan 30 30 37 29 126 More than $75,000 Percent High APR 8.7% 8.2% 8.9% 6.5% 8.0% Other Originated 17 18 25 18 78 High APR Loan 1 0 2 0 3 Data Missing Percent High APR 5.6% 0.0% 7.4% 0.0% 3.7% Other Originated 1,007 904 938 890 3,739 Total High APR Loan 174 160 159 106 599 Percent High APR 14.7% 15.0% 14.5% 10.6% 13.8% ---PAGE BREAK--- FHIC Analysis of Impediments 213 Final Report: 10/27/09 Table D.271 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Minnetonka City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 1 0 1 0 2 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% . 0.0% . 0.0% Other Originated 2 5 5 3 15 High APR Loan 1 1 0 1 3 More than $15,000 up to $30,000 Percent High APR 33.3% 16.7% 0.0% 25.0% 16.7% Other Originated 12 11 7 3 33 High APR Loan 1 2 1 2 6 More than $30,000 up to $45,000 Percent High APR 7.7% 15.4% 12.5% 40.0% 15.4% Other Originated 8 15 12 14 49 High APR Loan 1 3 2 1 7 More than $45,000 up to $60,000 Percent High APR 11.1% 16.7% 14.3% 6.7% 12.5% Other Originated 24 18 19 15 76 High APR Loan 2 2 2 2 8 More than $60,000 up to $75,000 Percent High APR 7.7% 10.0% 9.5% 11.8% 9.5% Other Originated 73 98 93 91 355 High APR Loan 4 5 6 9 24 More than $75,000 Percent High APR 5.2% 4.9% 6.1% 9.0% 6.3% Other Originated 1 3 1 0 5 High APR Loan 0 1 0 0 1 Data Missing Percent High APR 0.0% 25.0% 0.0% . 16.7% Other Originated 121 150 138 126 535 Total High APR Loan 9 14 11 15 49 Percent High APR 6.9% 8.5% 7.4% 10.6% 8.4% Table D.272 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Plymouth City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 3 0 0 0 3 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% . . . 0.0% Other Originated 4 4 3 3 14 High APR Loan 0 0 0 0 0 More than $15,000 up to $30,000 Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 15 9 7 6 37 High APR Loan 4 0 2 1 7 More than $30,000 up to $45,000 Percent High APR 21.1% 0.0% 22.2% 14.3% 15.9% Other Originated 23 18 22 16 79 High APR Loan 3 6 6 3 18 More than $45,000 up to $60,000 Percent High APR 11.5% 25.0% 21.4% 15.8% 18.6% Other Originated 23 27 14 26 90 High APR Loan 5 2 4 1 12 More than $60,000 up to $75,000 Percent High APR 17.9% 6.9% 22.2% 3.7% 11.8% Other Originated 99 124 132 132 487 High APR Loan 4 10 14 9 37 More than $75,000 Percent High APR 3.9% 7.5% 9.6% 6.4% 7.1% Other Originated 3 2 3 7 15 High APR Loan 0 0 0 0 0 Data Missing Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 170 184 181 190 725 Total High APR Loan 16 18 26 14 74 Percent High APR 8.6% 8.9% 12.6% 6.9% 9.3% ---PAGE BREAK--- FHIC Analysis of Impediments 214 Final Report: 10/27/09 Table D.273 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status St. Paul City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 6 5 5 8 24 High APR Loan 1 1 0 1 3 $15,000 or less Percent High APR 14.3% 16.7% 0.0% 11.1% 11.1% Other Originated 83 59 62 49 253 High APR Loan 13 18 17 5 53 More than $15,000 up to $30,000 Percent High APR 13.5% 23.4% 21.5% 9.3% 17.3% Other Originated 224 165 166 112 667 High APR Loan 35 48 38 26 147 More than $30,000 up to $45,000 Percent High APR 13.5% 22.5% 18.6% 18.8% 18.1% Other Originated 184 167 195 166 712 High APR Loan 48 42 48 28 166 More than $45,000 up to $60,000 Percent High APR 20.7% 20.1% 19.8% 14.4% 18.9% Other Originated 167 141 160 98 566 High APR Loan 10 25 27 21 83 More than $60,000 up to $75,000 Percent High APR 5.6% 15.1% 14.4% 17.6% 12.8% Other Originated 283 306 336 309 1,234 High APR Loan 20 20 43 29 112 More than $75,000 Percent High APR 6.6% 6.1% 11.3% 8.6% 8.3% Other Originated 9 12 7 14 42 High APR Loan 0 1 1 2 4 Data Missing Percent High APR 0.0% 7.7% 12.5% 12.5% 8.7% Other Originated 956 855 931 756 3,498 Total High APR Loan 127 155 174 112 568 Percent High APR 11.7% 15.3% 15.7% 12.9% 14.0% Table D.274 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Woodbury City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 2 0 0 1 3 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% . . 0.0% 0.0% Other Originated 5 5 9 3 22 High APR Loan 0 0 1 2 3 More than $15,000 up to $30,000 Percent High APR 0.0% 0.0% 10.0% 40.0% 12.0% Other Originated 24 19 17 10 70 High APR Loan 0 2 2 1 5 More than $30,000 up to $45,000 Percent High APR 0.0% 9.5% 10.5% 9.1% 6.7% Other Originated 22 29 25 15 91 High APR Loan 2 0 5 1 8 More than $45,000 up to $60,000 Percent High APR 8.3% 0.0% 16.7% 6.3% 8.1% Other Originated 34 31 29 22 116 High APR Loan 2 3 4 3 12 More than $60,000 up to $75,000 Percent High APR 5.6% 8.8% 12.1% 12.0% 9.4% Other Originated 115 122 143 144 524 High APR Loan 8 9 13 6 36 More than $75,000 Percent High APR 6.5% 6.9% 8.3% 4.0% 6.4% Other Originated 4 4 3 2 13 High APR Loan 0 0 0 0 0 Data Missing Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 206 210 226 197 839 Total High APR Loan 12 14 25 13 64 Percent High APR 5.5% 6.3% 10.0% 6.2% 7.1% ---PAGE BREAK--- FHIC Analysis of Impediments 215 Final Report: 10/27/09 Table D.275 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Anoka County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 4 5 5 4 18 High APR Loan 0 1 1 3 5 $15,000 or less Percent High APR 0.0% 16.7% 16.7% 42.9% 21.7% Other Originated 59 48 43 29 179 High APR Loan 8 6 8 7 29 More than $15,000 up to $30,000 Percent High APR 11.9% 11.1% 15.7% 19.4% 13.9% Other Originated 202 152 154 113 621 High APR Loan 31 34 34 21 120 More than $30,000 up to $45,000 Percent High APR 13.3% 18.3% 18.1% 15.7% 16.2% Other Originated 276 224 225 153 878 High APR Loan 41 28 37 26 132 More than $45,000 up to $60,000 Percent High APR 12.9% 11.1% 14.1% 14.5% 13.1% Other Originated 247 239 217 208 911 High APR Loan 35 38 44 31 148 More than $60,000 up to $75,000 Percent High APR 12.4% 13.7% 16.9% 13.0% 14.0% Other Originated 551 603 630 560 2,344 High APR Loan 43 58 75 47 223 More than $75,000 Percent High APR 7.2% 8.8% 10.6% 7.7% 8.7% Other Originated 22 19 22 21 84 High APR Loan 0 0 0 2 2 Data Missing Percent High APR 0.0% 0.0% 0.0% 8.7% 2.3% Other Originated 1,361 1,290 1,296 1,088 5,035 Total High APR Loan 158 165 199 137 659 Percent High APR 10.4% 11.3% 13.3% 11.2% 11.6% Table D.276 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Carver County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 0 0 0 0 0 High APR Loan 0 1 0 0 1 $15,000 or less Percent High APR . 100.0% . . 100.0% Other Originated 1 6 8 5 20 High APR Loan 2 3 1 1 7 More than $15,000 up to $30,000 Percent High APR 66.7% 33.3% 11.1% 16.7% 25.9% Other Originated 19 15 13 15 62 High APR Loan 5 3 0 2 10 More than $30,000 up to $45,000 Percent High APR 20.8% 16.7% 0.0% 11.8% 13.9% Other Originated 41 37 28 21 127 High APR Loan 2 6 6 5 19 More than $45,000 up to $60,000 Percent High APR 4.7% 14.0% 17.6% 19.2% 13.0% Other Originated 33 33 36 20 122 High APR Loan 9 8 2 6 25 More than $60,000 up to $75,000 Percent High APR 21.4% 19.5% 5.3% 23.1% 17.0% Other Originated 110 144 159 148 561 High APR Loan 11 12 17 16 56 More than $75,000 Percent High APR 9.1% 7.7% 9.7% 9.8% 9.1% Other Originated 5 4 2 0 11 High APR Loan 1 0 2 0 3 Data Missing Percent High APR 16.7% 0.0% 50.0% . 21.4% Other Originated 209 239 246 209 903 Total High APR Loan 30 33 28 30 121 Percent High APR 12.6% 12.1% 10.2% 12.6% 11.8% ---PAGE BREAK--- FHIC Analysis of Impediments 216 Final Report: 10/27/09 Table D.277 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Dakota County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 10 7 6 1 24 High APR Loan 2 0 3 0 5 $15,000 or less Percent High APR 16.7% 0.0% 33.3% 0.0% 17.2% Other Originated 51 32 42 27 152 High APR Loan 6 5 15 5 31 More than $15,000 up to $30,000 Percent High APR 10.5% 13.5% 26.3% 15.6% 16.9% Other Originated 164 114 120 103 501 High APR Loan 35 35 25 18 113 More than $30,000 up to $45,000 Percent High APR 17.6% 23.5% 17.2% 14.9% 18.4% Other Originated 231 197 220 126 774 High APR Loan 36 41 37 26 140 More than $45,000 up to $60,000 Percent High APR 13.5% 17.2% 14.4% 17.1% 15.3% Other Originated 205 216 224 179 824 High APR Loan 26 37 30 16 109 More than $60,000 up to $75,000 Percent High APR 11.3% 14.6% 11.8% 8.2% 11.7% Other Originated 640 697 669 724 2,730 High APR Loan 57 79 78 59 273 More than $75,000 Percent High APR 8.2% 10.2% 10.4% 7.5% 9.1% Other Originated 12 16 30 24 82 High APR Loan 1 2 1 1 5 Data Missing Percent High APR 7.7% 11.1% 3.2% 4.0% 5.7% Other Originated 1,313 1,279 1,311 1,184 5,087 Total High APR Loan 163 199 189 125 676 Percent High APR 11.0% 13.5% 12.6% 9.5% 11.7% Table D.278 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Hennepin County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 5 7 7 8 27 High APR Loan 0 1 0 0 1 $15,000 or less Percent High APR 0.0% 12.5% 0.0% 0.0% 3.6% Other Originated 65 39 53 29 186 High APR Loan 8 9 11 7 35 More than $15,000 up to $30,000 Percent High APR 11.0% 18.8% 17.2% 19.4% 15.8% Other Originated 190 181 148 142 661 High APR Loan 39 42 32 16 129 More than $30,000 up to $45,000 Percent High APR 17.0% 18.8% 17.8% 10.1% 16.3% Other Originated 313 265 247 217 1,042 High APR Loan 44 44 44 50 182 More than $45,000 up to $60,000 Percent High APR 12.3% 14.2% 15.1% 18.7% 14.9% Other Originated 303 247 226 182 958 High APR Loan 39 49 46 32 166 More than $60,000 up to $75,000 Percent High APR 11.4% 16.6% 16.9% 15.0% 14.8% Other Originated 673 746 896 848 3,163 High APR Loan 61 76 85 78 300 More than $75,000 Percent High APR 8.3% 9.2% 8.7% 8.4% 8.7% Other Originated 21 37 33 27 118 High APR Loan 0 1 5 3 9 Data Missing Percent High APR 0.0% 2.6% 13.2% 10.0% 7.1% Other Originated 1,570 1,522 1,610 1,453 6,155 Total High APR Loan 191 222 223 186 822 Percent High APR 10.8% 12.7% 12.2% 11.3% 11.8% ---PAGE BREAK--- FHIC Analysis of Impediments 217 Final Report: 10/27/09 Table D.279 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Ramsey County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 3 5 4 1 13 High APR Loan 0 1 1 0 2 $15,000 or less Percent High APR 0.0% 16.7% 20.0% 0.0% 13.3% Other Originated 30 24 36 24 114 High APR Loan 5 4 10 2 21 More than $15,000 up to $30,000 Percent High APR 14.3% 14.3% 21.7% 7.7% 15.6% Other Originated 121 100 111 68 400 High APR Loan 18 21 23 4 66 More than $30,000 up to $45,000 Percent High APR 12.9% 17.4% 17.2% 5.6% 14.2% Other Originated 174 113 150 111 548 High APR Loan 30 20 20 13 83 More than $45,000 up to $60,000 Percent High APR 14.7% 15.0% 11.8% 10.5% 13.2% Other Originated 147 119 130 89 485 High APR Loan 13 16 17 11 57 More than $60,000 up to $75,000 Percent High APR 8.1% 11.9% 11.6% 11.0% 10.5% Other Originated 344 371 365 385 1,465 High APR Loan 21 32 37 27 117 More than $75,000 Percent High APR 5.8% 7.9% 9.2% 6.6% 7.4% Other Originated 8 15 15 12 50 High APR Loan 0 0 1 0 1 Data Missing Percent High APR 0.0% 0.0% 6.3% 0.0% 2.0% Other Originated 827 747 811 690 3,075 Total High APR Loan 87 94 109 57 347 Percent High APR 9.5% 11.2% 11.8% 7.6% 10.1% Table D.280 Originated Owner-Occupied Home Improvement Loans by Income by Predatory Status Washington County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 5 1 2 1 9 High APR Loan 0 0 0 1 1 $15,000 or less Percent High APR 0.0% 0.0% 0.0% 50.0% 10.0% Other Originated 28 11 26 10 75 High APR Loan 7 7 3 1 18 More than $15,000 up to $30,000 Percent High APR 20.0% 38.9% 10.3% 9.1% 19.4% Other Originated 88 58 78 59 283 High APR Loan 22 19 15 9 65 More than $30,000 up to $45,000 Percent High APR 20.0% 24.7% 16.1% 13.2% 18.7% Other Originated 132 102 114 91 439 High APR Loan 19 26 18 15 78 More than $45,000 up to $60,000 Percent High APR 12.6% 20.3% 13.6% 14.2% 15.1% Other Originated 128 112 106 86 432 High APR Loan 5 11 19 12 47 More than $60,000 up to $75,000 Percent High APR 3.8% 8.9% 15.2% 12.2% 9.8% Other Originated 376 397 390 365 1,528 High APR Loan 25 20 42 35 122 More than $75,000 Percent High APR 6.2% 4.8% 9.7% 8.8% 7.4% Other Originated 13 14 9 10 46 High APR Loan 0 0 1 1 2 Data Missing Percent High APR 0.0% 0.0% 10.0% 9.1% 4.2% Other Originated 770 695 725 622 2,812 Total High APR Loan 78 83 98 74 333 Percent High APR 9.2% 10.7% 11.9% 10.6% 10.6% ---PAGE BREAK--- FHIC Analysis of Impediments 218 Final Report: 10/27/09 Table D.281 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Fair Housing Implementation Council HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 178 113 82 68 441 High APR Loan 26 27 23 8 84 $15,000 or less Percent High APR 12.7% 19.3% 21.9% 10.5% 16.0% Other Originated 3,303 1,918 1,048 891 7,160 High APR Loan 587 657 342 200 1,786 More than $15,000 up to $30,000 Percent High APR 15.1% 25.5% 24.6% 18.3% 20.0% Other Originated 11,069 7,219 4,450 3,664 26,402 High APR Loan 2,357 3,210 1,939 807 8,313 More than $30,000 up to $45,000 Percent High APR 17.6% 30.8% 30.3% 18.0% 23.9% Other Originated 12,904 9,467 6,663 5,893 34,927 High APR Loan 2,503 4,236 3,295 1,435 11,469 More than $45,000 up to $60,000 Percent High APR 16.2% 30.9% 33.1% 19.6% 24.7% Other Originated 10,691 8,464 6,143 5,194 30,492 High APR Loan 1,761 3,147 2,939 1,280 9,127 More than $60,000 up to $75,000 Percent High APR 14.1% 27.1% 32.4% 19.8% 23.0% Other Originated 26,564 23,296 18,387 16,981 85,228 High APR Loan 2,833 5,313 5,898 2,971 17,015 More than $75,000 Percent High APR 9.6% 18.6% 24.3% 14.9% 16.6% Other Originated 6,332 3,823 1,606 1,182 12,943 High APR Loan 119 181 490 224 1,014 Data Missing Percent High APR 1.8% 4.5% 23.4% 15.9% 7.3% Other Originated 71,041 54,300 38,379 33,873 197,593 Total High APR Loan 10,186 16,771 14,926 6,925 48,808 Percent High APR 12.5% 23.6% 28.0% 17.0% 19.8% Table D.282 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Bloomington City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 2 1 1 1 5 High APR Loan 1 1 0 0 2 $15,000 or less Percent High APR 33.3% 50.0% 0.0% 0.0% 28.6% Other Originated 94 66 29 21 210 High APR Loan 8 9 8 5 30 More than $15,000 up to $30,000 Percent High APR 7.8% 12.0% 21.6% 19.2% 12.5% Other Originated 340 244 131 124 839 High APR Loan 34 66 47 26 173 More than $30,000 up to $45,000 Percent High APR 9.1% 21.3% 26.4% 17.3% 17.1% Other Originated 410 298 220 175 1,103 High APR Loan 59 101 80 38 278 More than $45,000 up to $60,000 Percent High APR 12.6% 25.3% 26.7% 17.8% 20.1% Other Originated 284 239 176 163 862 High APR Loan 45 62 80 37 224 More than $60,000 up to $75,000 Percent High APR 13.7% 20.6% 31.3% 18.5% 20.6% Other Originated 710 596 482 437 2,225 High APR Loan 60 124 128 53 365 More than $75,000 Percent High APR 7.8% 17.2% 21.0% 10.8% 14.1% Other Originated 194 121 46 29 390 High APR Loan 2 4 19 7 32 Data Missing Percent High APR 1.0% 3.2% 29.2% 19.4% 7.6% Other Originated 2,034 1,565 1,085 950 5,634 Total High APR Loan 209 367 362 166 1,104 Percent High APR 9.3% 19.0% 25.0% 14.9% 16.4% ---PAGE BREAK--- FHIC Analysis of Impediments 219 Final Report: 10/27/09 Table D.283 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Eden Prairie City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 5 1 1 1 8 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 37 12 8 6 63 High APR Loan 2 3 2 0 7 More than $15,000 up to $30,000 Percent High APR 5.1% 20.0% 20.0% 0.0% 10.0% Other Originated 134 91 38 44 307 High APR Loan 12 13 14 7 46 More than $30,000 up to $45,000 Percent High APR 8.2% 12.5% 26.9% 13.7% 13.0% Other Originated 206 123 99 89 517 High APR Loan 21 34 23 14 92 More than $45,000 up to $60,000 Percent High APR 9.3% 21.7% 18.9% 13.6% 15.1% Other Originated 197 160 92 87 536 High APR Loan 26 35 27 8 96 More than $60,000 up to $75,000 Percent High APR 11.7% 17.9% 22.7% 8.4% 15.2% Other Originated 936 741 577 515 2,769 High APR Loan 58 120 125 55 358 More than $75,000 Percent High APR 5.8% 13.9% 17.8% 9.6% 11.4% Other Originated 202 90 35 38 365 High APR Loan 1 0 6 4 11 Data Missing Percent High APR 0.5% 0.0% 14.6% 9.5% 2.9% Other Originated 1,717 1,218 850 780 4,565 Total High APR Loan 120 205 197 88 610 Percent High APR 6.5% 14.4% 18.8% 10.1% 11.8% Table D.284 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Minneapolis City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 40 24 6 14 84 High APR Loan 7 7 5 4 23 $15,000 or less Percent High APR 14.9% 22.6% 45.5% 22.2% 21.5% Other Originated 709 376 211 167 1,463 High APR Loan 182 203 82 43 510 More than $15,000 up to $30,000 Percent High APR 20.4% 35.1% 28.0% 20.5% 25.8% Other Originated 1,763 1,076 697 500 4,036 High APR Loan 540 724 430 170 1,864 More than $30,000 up to $45,000 Percent High APR 23.4% 40.2% 38.2% 25.4% 31.6% Other Originated 1,550 1,159 781 697 4,187 High APR Loan 402 711 483 213 1,809 More than $45,000 up to $60,000 Percent High APR 20.6% 38.0% 38.2% 23.4% 30.2% Other Originated 1,043 809 648 516 3,016 High APR Loan 219 354 343 153 1,069 More than $60,000 up to $75,000 Percent High APR 17.4% 30.4% 34.6% 22.9% 26.2% Other Originated 2,085 1,858 1,513 1,427 6,883 High APR Loan 266 448 516 253 1,483 More than $75,000 Percent High APR 11.3% 19.4% 25.4% 15.1% 17.7% Other Originated 701 450 228 142 1,521 High APR Loan 22 24 67 28 141 Data Missing Percent High APR 3.0% 5.1% 22.7% 16.5% 8.5% Other Originated 7,891 5,752 4,084 3,463 21,190 Total High APR Loan 1,638 2,471 1,926 864 6,899 Percent High APR 17.2% 30.0% 32.0% 20.0% 24.6% ---PAGE BREAK--- FHIC Analysis of Impediments 220 Final Report: 10/27/09 Table D.285 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Minnetonka City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 3 1 2 1 7 High APR Loan 0 0 1 0 1 $15,000 or less Percent High APR 0.0% 0.0% 33.3% . 12.5% Other Originated 36 24 14 9 83 High APR Loan 4 5 1 1 11 More than $15,000 up to $30,000 Percent High APR 10.0% 17.2% 6.7% 10.0% 11.7% Other Originated 126 86 46 52 310 High APR Loan 11 20 8 5 44 More than $30,000 up to $45,000 Percent High APR 8.0% 18.9% 14.8% 8.8% 12.4% Other Originated 183 130 83 74 470 High APR Loan 11 23 24 13 71 More than $45,000 up to $60,000 Percent High APR 5.7% 15.0% 22.4% 14.9% 13.1% Other Originated 176 140 57 78 451 High APR Loan 16 26 22 7 71 More than $60,000 up to $75,000 Percent High APR 8.3% 15.7% 27.8% 8.2% 13.6% Other Originated 733 596 470 416 2,215 High APR Loan 56 89 94 53 292 More than $75,000 Percent High APR 7.1% 13.0% 16.7% 11.3% 11.6% Other Originated 145 104 30 33 312 High APR Loan 0 3 7 4 14 Data Missing Percent High APR 0.0% 2.8% 18.9% 10.8% 4.3% Other Originated 1,402 1,081 702 663 3,848 Total High APR Loan 98 166 157 83 504 Percent High APR 6.5% 13.3% 18.3% 11.1% 11.6% Table D.286 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Plymouth City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 2 1 1 3 7 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% 0.0% 0.0% 0.0% Other Originated 39 27 10 11 87 High APR Loan 5 4 3 0 12 More than $15,000 up to $30,000 Percent High APR 11.4% 12.9% 23.1% 0.0% 12.1% Other Originated 155 97 69 56 377 High APR Loan 12 21 7 9 49 More than $30,000 up to $45,000 Percent High APR 7.2% 17.8% 9.2% 13.8% 11.5% Other Originated 218 134 76 74 502 High APR Loan 20 39 29 18 106 More than $45,000 up to $60,000 Percent High APR 8.4% 22.5% 27.6% 19.6% 17.4% Other Originated 221 159 109 95 584 High APR Loan 25 31 32 8 96 More than $60,000 up to $75,000 Percent High APR 10.2% 16.3% 22.7% 7.8% 14.1% Other Originated 1,002 740 614 566 2,922 High APR Loan 62 119 112 86 379 More than $75,000 Percent High APR 5.8% 13.9% 15.4% 13.2% 11.5% Other Originated 213 99 39 33 384 High APR Loan 0 4 11 3 18 Data Missing Percent High APR 0.0% 3.9% 22.0% 8.3% 4.5% Other Originated 1,850 1,257 918 838 4,863 Total High APR Loan 124 218 194 124 660 Percent High APR 6.3% 14.8% 17.4% 12.9% 12.0% ---PAGE BREAK--- FHIC Analysis of Impediments 221 Final Report: 10/27/09 Table D.287 Originated Owner-Occupied Refinance Loans by Income by Predatory Status St. Paul City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 32 20 14 12 78 High APR Loan 6 5 4 1 16 $15,000 or less Percent High APR 15.8% 20.0% 22.2% 7.7% 17.0% Other Originated 571 317 159 139 1,186 High APR Loan 143 159 75 35 412 More than $15,000 up to $30,000 Percent High APR 20.0% 33.4% 32.1% 20.1% 25.8% Other Originated 1,383 893 556 479 3,311 High APR Loan 385 583 379 121 1,468 More than $30,000 up to $45,000 Percent High APR 21.8% 39.5% 40.5% 20.2% 30.7% Other Originated 1,222 864 646 553 3,285 High APR Loan 312 528 453 209 1,502 More than $45,000 up to $60,000 Percent High APR 20.3% 37.9% 41.2% 27.4% 31.4% Other Originated 780 653 436 391 2,260 High APR Loan 165 273 280 135 853 More than $60,000 up to $75,000 Percent High APR 17.5% 29.5% 39.1% 25.7% 27.4% Other Originated 1,379 1,243 840 828 4,290 High APR Loan 172 349 357 195 1,073 More than $75,000 Percent High APR 11.1% 21.9% 29.8% 19.1% 20.0% Other Originated 448 261 122 85 916 High APR Loan 12 23 51 31 117 Data Missing Percent High APR 2.6% 8.1% 29.5% 26.7% 11.3% Other Originated 5,815 4,251 2,773 2,487 15,326 Total High APR Loan 1,195 1,920 1,599 727 5,441 Percent High APR 17.0% 31.1% 36.6% 22.6% 26.2% Table D.288 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Woodbury City HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 3 2 0 2 7 High APR Loan 0 0 0 0 0 $15,000 or less Percent High APR 0.0% 0.0% . 0.0% 0.0% Other Originated 34 23 15 12 84 High APR Loan 2 4 0 2 8 More than $15,000 up to $30,000 Percent High APR 5.6% 14.8% 0.0% 14.3% 8.7% Other Originated 160 113 65 54 392 High APR Loan 20 37 15 8 80 More than $30,000 up to $45,000 Percent High APR 11.1% 24.7% 18.8% 12.9% 16.9% Other Originated 229 153 96 96 574 High APR Loan 26 40 35 19 120 More than $45,000 up to $60,000 Percent High APR 10.2% 20.7% 26.7% 16.5% 17.3% Other Originated 231 179 102 118 630 High APR Loan 26 56 37 15 134 More than $60,000 up to $75,000 Percent High APR 10.1% 23.8% 26.6% 11.3% 17.5% Other Originated 833 672 538 469 2,512 High APR Loan 64 141 142 69 416 More than $75,000 Percent High APR 7.1% 17.3% 20.9% 12.8% 14.2% Other Originated 154 79 34 19 286 High APR Loan 3 2 9 1 15 Data Missing Percent High APR 1.9% 2.5% 20.9% 5.0% 5.0% Other Originated 1,644 1,221 850 770 4,485 Total High APR Loan 141 280 238 114 773 Percent High APR 7.9% 18.7% 21.9% 12.9% 14.7% ---PAGE BREAK--- FHIC Analysis of Impediments 222 Final Report: 10/27/09 Table D.289 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Anoka County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 13 13 11 5 42 High APR Loan 2 5 5 2 14 $15,000 or less Percent High APR 13.3% 27.8% 31.3% 28.6% 25.0% Other Originated 409 253 120 123 905 High APR Loan 63 71 56 29 219 More than $15,000 up to $30,000 Percent High APR 13.3% 21.9% 31.8% 19.1% 19.5% Other Originated 1,730 1,134 724 559 4,147 High APR Loan 367 475 299 114 1,255 More than $30,000 up to $45,000 Percent High APR 17.5% 29.5% 29.2% 16.9% 23.2% Other Originated 2,113 1,554 1,101 1,032 5,800 High APR Loan 467 693 528 201 1,889 More than $45,000 up to $60,000 Percent High APR 18.1% 30.8% 32.4% 16.3% 24.6% Other Originated 1,750 1,446 1,041 845 5,082 High APR Loan 297 547 550 240 1,634 More than $60,000 up to $75,000 Percent High APR 14.5% 27.4% 34.6% 22.1% 24.3% Other Originated 3,461 3,135 2,705 2,340 11,641 High APR Loan 468 908 983 513 2,872 More than $75,000 Percent High APR 11.9% 22.5% 26.7% 18.0% 19.8% Other Originated 830 541 226 163 1,760 High APR Loan 19 23 75 36 153 Data Missing Percent High APR 2.2% 4.1% 24.9% 18.1% 8.0% Other Originated 10,306 8,076 5,928 5,067 29,377 Total High APR Loan 1,683 2,722 2,496 1,135 8,036 Percent High APR 14.0% 25.2% 29.6% 18.3% 21.5% Table D.290 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Carver County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 3 1 2 2 8 High APR Loan 2 2 0 0 4 $15,000 or less Percent High APR 40.0% 66.7% 0.0% 0.0% 33.3% Other Originated 60 40 30 24 154 High APR Loan 12 12 5 8 37 More than $15,000 up to $30,000 Percent High APR 16.7% 23.1% 14.3% 25.0% 19.4% Other Originated 253 165 122 96 636 High APR Loan 42 52 40 17 151 More than $30,000 up to $45,000 Percent High APR 14.2% 24.0% 24.7% 15.0% 19.2% Other Originated 344 256 209 174 983 High APR Loan 56 100 68 35 259 More than $45,000 up to $60,000 Percent High APR 14.0% 28.1% 24.5% 16.7% 20.9% Other Originated 412 287 223 178 1,100 High APR Loan 46 109 94 34 283 More than $60,000 up to $75,000 Percent High APR 10.0% 27.5% 29.7% 16.0% 20.5% Other Originated 1,170 1,040 900 750 3,860 High APR Loan 111 205 244 116 676 More than $75,000 Percent High APR 8.7% 16.5% 21.3% 13.4% 14.9% Other Originated 213 130 50 44 437 High APR Loan 3 4 21 5 33 Data Missing Percent High APR 1.4% 3.0% 29.6% 10.2% 7.0% Other Originated 2,455 1,919 1,536 1,268 7,178 Total High APR Loan 272 484 472 215 1,443 Percent High APR 10.0% 20.1% 23.5% 14.5% 16.7% ---PAGE BREAK--- FHIC Analysis of Impediments 223 Final Report: 10/27/09 Table D.291 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Dakota County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 20 16 11 2 49 High APR Loan 5 2 4 0 11 $15,000 or less Percent High APR 20.0% 11.1% 26.7% 0.0% 18.3% Other Originated 345 221 107 114 787 High APR Loan 43 53 40 24 160 More than $15,000 up to $30,000 Percent High APR 11.1% 19.3% 27.2% 17.4% 16.9% Other Originated 1,493 995 596 513 3,597 High APR Loan 278 319 202 93 892 More than $30,000 up to $45,000 Percent High APR 15.7% 24.3% 25.3% 15.3% 19.9% Other Originated 1,982 1,435 1,057 910 5,384 High APR Loan 325 588 451 200 1,564 More than $45,000 up to $60,000 Percent High APR 14.1% 29.1% 29.9% 18.0% 22.5% Other Originated 1,808 1,463 1,043 836 5,150 High APR Loan 292 573 486 211 1,562 More than $60,000 up to $75,000 Percent High APR 13.9% 28.1% 31.8% 20.2% 23.3% Other Originated 4,571 4,166 3,072 2,915 14,724 High APR Loan 454 982 1,046 526 3,008 More than $75,000 Percent High APR 9.0% 19.1% 25.4% 15.3% 17.0% Other Originated 975 594 246 199 2,014 High APR Loan 21 27 74 26 148 Data Missing Percent High APR 2.1% 4.3% 23.1% 11.6% 6.8% Other Originated 11,194 8,890 6,132 5,489 31,705 Total High APR Loan 1,418 2,544 2,303 1,080 7,345 Percent High APR 11.2% 22.2% 27.3% 16.4% 18.8% Table D.292 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Hennepin County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 29 16 21 15 81 High APR Loan 3 1 3 0 7 $15,000 or less Percent High APR 9.4% 5.9% 12.5% 0.0% 8.0% Other Originated 557 322 172 148 1,199 High APR Loan 85 80 38 27 230 More than $15,000 up to $30,000 Percent High APR 13.2% 19.9% 18.1% 15.4% 16.1% Other Originated 2,059 1,285 788 674 4,806 High APR Loan 399 540 292 144 1,375 More than $30,000 up to $45,000 Percent High APR 16.2% 29.6% 27.0% 17.6% 22.2% Other Originated 2,555 1,869 1,318 1,143 6,885 High APR Loan 489 845 694 284 2,312 More than $45,000 up to $60,000 Percent High APR 16.1% 31.1% 34.5% 19.9% 25.1% Other Originated 2,106 1,576 1,211 1,034 5,927 High APR Loan 360 604 589 246 1,799 More than $60,000 up to $75,000 Percent High APR 14.6% 27.7% 32.7% 19.2% 23.3% Other Originated 5,619 4,819 3,882 3,641 17,961 High APR Loan 625 1,079 1,284 604 3,592 More than $75,000 Percent High APR 10.0% 18.3% 24.9% 14.2% 16.7% Other Originated 1,302 757 319 243 2,621 High APR Loan 23 42 80 52 197 Data Missing Percent High APR 1.7% 5.3% 20.1% 17.6% 7.0% Other Originated 14,227 10,644 7,711 6,898 39,480 Total High APR Loan 1,984 3,191 2,980 1,357 9,512 Percent High APR 12.2% 23.1% 27.9% 16.4% 19.4% ---PAGE BREAK--- FHIC Analysis of Impediments 224 Final Report: 10/27/09 Table D.293 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Ramsey County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 13 11 4 5 33 High APR Loan 0 2 0 1 3 $15,000 or less Percent High APR 0.0% 15.4% 0.0% 16.7% 8.3% Other Originated 237 150 98 72 557 High APR Loan 22 26 19 15 82 More than $15,000 up to $30,000 Percent High APR 8.5% 14.8% 16.2% 17.2% 12.8% Other Originated 786 557 340 288 1,971 High APR Loan 143 172 100 51 466 More than $30,000 up to $45,000 Percent High APR 15.4% 23.6% 22.7% 15.0% 19.1% Other Originated 957 783 493 487 2,720 High APR Loan 164 258 223 92 737 More than $45,000 up to $60,000 Percent High APR 14.6% 24.8% 31.1% 15.9% 21.3% Other Originated 810 672 492 421 2,395 High APR Loan 101 207 169 104 581 More than $60,000 up to $75,000 Percent High APR 11.1% 23.5% 25.6% 19.8% 19.5% Other Originated 1,895 1,678 1,266 1,205 6,044 High APR Loan 208 342 401 209 1,160 More than $75,000 Percent High APR 9.9% 16.9% 24.1% 14.8% 16.1% Other Originated 489 331 114 73 1,007 High APR Loan 4 14 30 6 54 Data Missing Percent High APR 0.8% 4.1% 20.8% 7.6% 5.1% Other Originated 5,187 4,182 2,807 2,551 14,727 Total High APR Loan 642 1,021 942 478 3,083 Percent High APR 11.0% 19.6% 25.1% 15.8% 17.3% Table D.294 Originated Owner-Occupied Refinance Loans by Income by Predatory Status Washington County HMDA Data 2004 - 2007 Income Group 2004 2005 2006 2007 Total Other Originated 13 6 8 5 32 High APR Loan 0 2 1 0 3 $15,000 or less Percent High APR 0.0% 25.0% 11.1% 0.0% 8.6% Other Originated 175 87 75 45 382 High APR Loan 16 28 13 11 68 More than $15,000 up to $30,000 Percent High APR 8.4% 24.3% 14.8% 19.6% 15.1% Other Originated 687 483 278 225 1,673 High APR Loan 114 188 106 42 450 More than $30,000 up to $45,000 Percent High APR 14.2% 28.0% 27.6% 15.7% 21.2% Other Originated 935 709 484 389 2,517 High APR Loan 151 276 204 99 730 More than $45,000 up to $60,000 Percent High APR 13.9% 28.0% 29.7% 20.3% 22.5% Other Originated 873 681 513 432 2,499 High APR Loan 143 270 230 82 725 More than $60,000 up to $75,000 Percent High APR 14.1% 28.4% 31.0% 16.0% 22.5% Other Originated 2,170 2,012 1,528 1,472 7,182 High APR Loan 229 407 466 239 1,341 More than $75,000 Percent High APR 9.5% 16.8% 23.4% 14.0% 15.7% Other Originated 466 266 117 81 930 High APR Loan 9 11 40 21 81 Data Missing Percent High APR 1.9% 4.0% 25.5% 20.6% 8.0% Other Originated 5,319 4,244 3,003 2,649 15,215 Total High APR Loan 662 1,182 1,060 494 3,398 Percent High APR 11.1% 21.8% 26.1% 15.7% 18.3% ---PAGE BREAK--- FHIC Analysis of Impediments 225 Final Report: 10/27/09 APPENDIX E. COMPLAINT DATA Table E.1 Fair Housing Complaints by Basis of Complaint Bloomington City HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . . 3 . . . . . 3 2001 . . 1 . . . . . . 1 2002 . . . . . . . . . . 2003 1 . 1 . . 2 . . . 4 2004 . . 4 1 . . . 2 . 7 2005 . . 2 . . 1 . . . 3 2006 1 . 1 3 . 1 . . . 6 2007 . . . 1 . . 1 . . 2 2008 . . 6 . . . . . . 6 Total 2 . 15 8 . 4 1 2 . 32 Table E.2 Fair Housing Complaints by Basis of Complaint Eden Prairie City HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . . . . . 1 . . 1 2001 . . 1 . . 1 . . 3 5 2002 . . . . . . . . . . 2003 . . 9 . . . 9 . 5 23 2004 . . . . . . . . . . 2005 . . 1 . . . 2 . . 3 2006 . . . . . 1 . . . 1 2007 1 . 1 . . . . . . 2 2008 . . 1 . . 1 . . . 2 Total 1 . 13 . . 3 12 . 8 37 Table E.3 Fair Housing Complaints by Basis of Complaint Minneapolis City HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 1 . 12 9 . 7 2 . . 31 2001 . 4 15 3 . 3 7 . . 32 2002 4 2 6 7 . 3 3 . 1 26 2003 7 6 11 8 6 . 1 . . 39 2004 2 1 17 5 . 4 4 6 1 40 2005 2 2 4 5 . 1 1 . 1 16 2006 1 1 13 9 . 1 10 1 2 38 2007 4 . 13 12 4 2 3 . 1 39 2008 . . 4 6 1 . 1 . . 12 Total 21 16 95 64 11 21 32 7 6 273 ---PAGE BREAK--- FHIC Analysis of Impediments 226 Final Report: 10/27/09 Table E.4 Fair Housing Complaints by Basis of Complaint Minnetonka City HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . . . . . . . . . 2001 . . . . . . . . . . 2002 . . . . . . . . . . 2003 . . . . . . . . . . 2004 . . 3 4 . . . 1 . 8 2005 . . . 2 . . . . . 2 2006 . . 1 . . . . . . 1 2007 . . . . . . . . . . 2008 . . . . . . . . . . Total . . 4 6 . . . 1 . 11 Table E.5 Fair Housing Complaints by Basis of Complaint Plymouth City HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . 2 . . . . . . 2 2001 . . . . . . . . . . 2002 . . . . . . . . . . 2003 . . 2 . . . . . . 2 2004 . . 1 1 . 1 . . . 3 2005 . . 2 . . . . . . 2 2006 . . . 2 2 . 1 . . 5 2007 . . . . . . . . . . 2008 . . . . . . 2 . . 2 Total . . 7 3 2 1 3 . . 16 Table E.6 Fair Housing Complaints by Basis of Complaint St. Paul City HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . 2 1 . . 2 1 . 6 2001 . . 2 . . 2 1 1 . 6 2002 1 . 3 2 . . 2 . . 8 2003 7 8 6 11 . 2 2 . . 36 2004 3 4 12 5 3 2 2 . . 31 2005 2 . 2 3 . . 2 . 1 10 2006 4 . 2 11 . 1 5 3 . 26 2007 2 . 10 3 2 . 2 . . 19 2008 . 1 1 5 . 1 . . . 8 Total 19 13 40 41 5 8 18 5 1 150 ---PAGE BREAK--- FHIC Analysis of Impediments 227 Final Report: 10/27/09 Table E.7 Fair Housing Complaints by Basis of Complaint Woodbury City HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . . . . . . . . . 2001 . . . . . . . . . . 2002 . . 2 . . . . . . 2 2003 . . . . . . . . . . 2004 . . . . . . . . . . 2005 . . . . . . . . . . 2006 . . . . . . . . . . 2007 . . 1 . . . . . . 1 2008 . . . . . . . . . . Total . . 3 . . . . . . 3 Table E.8 Fair Housing Complaints by Basis of Complaint Remainder of Anoka County HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . . 1 . . . . . 1 2001 . . . . . . . . . . 2002 . . . 1 . . . . . 1 2003 . . . . . 1 . . . 1 2004 . . . 1 . . . . . 1 2005 . . 2 7 . 2 . . . 11 2006 . . 3 4 1 1 2 . . 11 2007 . . . . . . . . . . 2008 . . 3 1 . 1 . . . 5 Total . . 8 15 1 5 2 . . 31 Table E.9 Fair Housing Complaints by Basis of Complaint Remainder of Carver County HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . 2 . . . . . . 2 2001 . . . . . . . . . . 2002 . . . . . . . . . . 2003 . . . . . . . . . . 2004 . . . . . . . . . . 2005 . . . . . . . . . . 2006 . . . . . 2 . . . 2 2007 . . 2 . . . . . . 2 2008 . . . . . . . . . . Total . . 4 . . 2 . . . 6 ---PAGE BREAK--- FHIC Analysis of Impediments 228 Final Report: 10/27/09 Table E.10 Fair Housing Complaints by Basis of Complaint Remainder of Dakota County HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . 11 2 . 10 . . . 23 2001 . . . 1 . . . . . 1 2002 . . . . . . . . . . 2003 . 2 3 2 . 1 . . . 8 2004 . 1 . . . . . . . 1 2005 . . 4 4 . 3 3 . . 14 2006 1 . 4 4 . 1 1 . . 11 2007 1 . 9 6 . 1 . . . 17 2008 . . 5 4 . . . . . 9 Total 2 3 36 23 . 16 4 . . 84 Table E.11 Fair Housing Complaints by Basis of Complaint Remainder of Hennepin County HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . 1 . . 1 . . . 2 2001 . . 4 . . 3 2 . . 9 2002 5 1 8 7 1 5 4 1 1 33 2003 . 1 2 3 . . . . . 6 2004 . . 5 3 . 1 . 1 . 10 2005 . 3 7 4 . 1 1 . . 16 2006 2 2 9 3 5 . 2 1 . 24 2007 . . 5 3 . 2 . . . 10 2008 . . 3 8 . 1 . . . 12 Total 7 7 44 31 6 14 9 3 1 122 Table E.12 Fair Housing Complaints by Basis of Complaint Remainder of Ramsey County HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 . . 1 1 . 5 2 . . 9 2001 . . . 1 . 2 . . . 3 2002 . . 8 2 . . 1 . . 11 2003 . . . 5 . . . . . 5 2004 1 1 . 2 . 1 . . . 5 2005 . . 1 2 . . . . 2 5 2006 . . 8 3 . 5 . . . 16 2007 . . 1 3 . 3 . . . 7 2008 . . 1 8 . . . . . 9 Total 1 1 20 27 . 16 3 . 2 70 ---PAGE BREAK--- FHIC Analysis of Impediments 229 Final Report: 10/27/09 Table E.13 Fair Housing Complaints by Basis of Complaint Remainder of Washington County HUD Data, Fiscal Years 2001 - 2008 Year Sex Sexual Harassment Race Disability Retaliation Familial Status National Origin Color Religion Total 2000 1 1 9 4 . . 2 . . 17 2001 . . . . . . . . . . 2002 . . . 7 . . . . . 7 2003 . . 1 . . . . . . 1 2004 . . 12 2 9 12 . . . 35 2005 . . . 1 . . . . . 1 2006 . . 2 1 . . . . . 3 2007 . . . 3 . . . . . 3 2008 . . 1 . . . . . . 1 Total 1 1 25 18 9 12 2 . . 68 ---PAGE BREAK--- FHIC Analysis of Impediments 230 Final Report: 10/27/09 Table E.14 Fair Housing Complaints by Issue Bloomington City HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . 1 . . 1 . . . . 2 Discriminatory refusal to negotiate for rent . . . . . . . . 1 1 Discriminatory refusal to rent and negotiate for rental 1 . . . . . . . . 1 Discriminatory advertising, statements and notices . . . . . . . . . . Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . . . . . . Discriminatory financing (includes real estate transactions) . . . . . . . . . . Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . 1 1 Discriminatory terms, conditions, privileges, or services and facilities . . . 1 . 2 1 1 . 5 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental 1 . . 2 2 . 4 . 2 11 Discrimination in services and facilities relating to rental . . . . . . . . . . Steering . . . . . . . . . . Otherwise deny or make housing available . . . . . . . . 1 1 Other discriminatory acts . . . . . . . . . . Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . 1 1 Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) 1 . . 1 2 . . 1 . 5 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . . . . . 1 . . 1 Total 3 1 . 4 5 2 6 2 6 29 ---PAGE BREAK--- FHIC Analysis of Impediments 231 Final Report: 10/27/09 Table E.15 Fair Housing Complaints by Issue Eden Prairie City HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . . 3 . 1 . . 1 5 Discriminatory refusal to negotiate for rent . . . 2 . . . . . 2 Discriminatory refusal to rent and negotiate for rental . . . . . . . . . . Discriminatory advertising, statements and notices . 1 . . . . . . 1 2 Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . 1 . . . . . . . 1 Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . . . . . . Discriminatory financing (includes real estate transactions) . . . . . . . . . . Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities . . . 4 . . . 1 . 5 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental . . . . . 1 1 . . 2 Discrimination in services and facilities relating to rental . 1 . . . 1 . . . 2 Steering . . . . . . . . . . Otherwise deny or make housing available . . . . . . . . . . Other discriminatory acts 1 . . . . . . 1 . 2 Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) . 1 . . . . . . . 1 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . . . . . . . . . Total 1 4 . 9 . 3 1 2 2 22 ---PAGE BREAK--- FHIC Analysis of Impediments 232 Final Report: 10/27/09 Table E.16 Fair Housing Complaints by Issue Minnetonka City HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . . . 1 . . . . 1 Discriminatory refusal to negotiate for rent . . . . . . . . . . Discriminatory refusal to rent and negotiate for rental . . . . . . . . . . Discriminatory advertising, statements and notices . . . . 1 . . . . 1 Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . 0 . . . . Discriminatory financing (includes real estate transactions) . . . . . . . . . . Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities . . . . . . 1 . . 1 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental . . . . 2 1 . . . 3 Discrimination in services and facilities relating to rental . . . . . . . . . . Steering . . . . 1 . . . . 1 Otherwise deny or make housing available . . . . . . . . . . Other discriminatory acts . . . . . . . . . . Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) . . . . 2 . . . . 2 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . . . . 1 . . . 1 Total . . . . 7 2 1 . . 10 ---PAGE BREAK--- FHIC Analysis of Impediments 233 Final Report: 10/27/09 Table E.17 Fair Housing Complaints by Issue Minneapolis City HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . 1 . . 1 Discriminatory refusal to rent 1 1 2 1 3 2 1 4 . 15 Discriminatory refusal to negotiate for rent 1 . 3 1 1 . . . . 6 Discriminatory refusal to rent and negotiate for rental 5 1 1 . 1 . 2 . . 10 Discriminatory advertising, statements and notices 1 2 1 2 . . 2 1 . 9 Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . 1 . . . . . . . 1 Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . 2 . 1 . . 3 Discriminatory financing (includes real estate transactions) . . . . . . . 1 . 1 Discrimination in making of loans . 1 . . 1 . . . . 2 Discrimination in the terms or conditions for making loans . . . 3 2 . . . . 5 Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities 3 4 4 2 2 1 2 4 2 24 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental 5 8 3 3 5 2 6 6 3 41 Discrimination in services and facilities relating to rental . . . 1 1 1 . 1 . 4 Steering . . . 1 . . . . . 1 Otherwise deny or make housing available . . . . . . 1 . . 1 Other discriminatory acts . 1 . 2 1 . . . . 4 Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) 3 6 3 5 6 4 9 3 2 41 Using ordinances to discriminate in zoning and land use . . . . 1 . . . . 1 Discriminatory acts under Section 901 (criminal) . 2 . . . . . . . 2 Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation 3 1 3 . 1 1 1 4 3 17 Total 22 28 20 21 27 11 26 24 10 189 ---PAGE BREAK--- FHIC Analysis of Impediments 234 Final Report: 10/27/09 Table E.18 Fair Housing Complaints by Issue Plymouth City HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . . . . . 1 . 1 2 Discriminatory refusal to negotiate for rent . . . 1 . . . . . 1 Discriminatory refusal to rent and negotiate for rental . . . . . . . . . . Discriminatory advertising, statements and notices . . . . . . . . . . Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . . . . . . Discriminatory financing (includes real estate transactions) . . . . . . . . . . Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities 1 . . . . . . . . 1 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental 1 . . 1 2 1 1 . 1 7 Discrimination in services and facilities relating to rental . . . . . . . . . . Steering . . . . . . . . . . Otherwise deny or make housing available . . . . . . . . . Other discriminatory acts . . . . . 1 . . . 1 Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) . . . . . . 1 . . 1 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . . . . . . . . . Total 2 . . 2 2 2 3 . 2 13 ---PAGE BREAK--- FHIC Analysis of Impediments 235 Final Report: 10/27/09 Table E.19 Fair Housing Complaints by Issue St. Paul City HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent 1 2 1 1 2 . 3 2 1 13 Discriminatory refusal to negotiate for rent . . . . . . 1 . . 1 Discriminatory refusal to rent and negotiate for rental 1 . 1 . . . . . . 2 Discriminatory advertising, statements and notices . . . . . 1 . . . 1 Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . 1 2 . . . . 3 Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . 1 . . . . 1 Discriminatory financing (includes real estate transactions) . . . . . 2 1 . . 3 Discrimination in making of loans . . . . 1 1 . . . 2 Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities 1 . 2 9 2 . . . . 14 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental . 1 1 6 7 3 7 7 2 34 Discrimination in services and facilities relating to rental . . . 1 1 . . . . 2 Steering . . . . . . . . . . Otherwise deny or make housing available . . . . 1 . . . . 1 Other discriminatory acts . . . 1 . . . . . 1 Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . 1 . . . . 1 Discriminatory acts under Section 818 (coercion, etc.) . 1 . 3 4 . 1 3 3 15 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation 1 . 1 4 1 . 4 1 2 14 Total 4 4 6 26 23 7 17 13 8 108 ---PAGE BREAK--- FHIC Analysis of Impediments 236 Final Report: 10/27/09 Table E.20 Fair Housing Complaints by Issue Woodbury City HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . . . . . . . . . Discriminatory refusal to negotiate for rent . . . . . . . . . . Discriminatory refusal to rent and negotiate for rental . . . . . . . 1 . 1 Discriminatory advertising, statements and notices . . . . . . . . . . Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . . . . . . Discriminatory financing (includes real estate transactions) . . . . . . . . . . Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities . . . . . . . . . . Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental . . . . . . . . . . Discrimination in services and facilities relating to rental . . . . . . . . . . Steering . . . . . . . . . . Otherwise deny or make housing available . . . . . . . . . . Other discriminatory acts . . . . . . . . . . Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) . . 2 . . . . . . 2 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . . . . . . . . . Total . . 2 . . . . 1 . 3 ---PAGE BREAK--- FHIC Analysis of Impediments 237 Final Report: 10/27/09 Table E.21 Fair Housing Complaints by Issue Remainder of Anoka County HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . . . . 3 1 . 1 5 Discriminatory refusal to negotiate for rent . . . . . . . . . . Discriminatory refusal to rent and negotiate for rental . . . . . . . . . . Discriminatory advertising, statements and notices . . . . . . . . . . Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . . . . . . Discriminatory financing (includes real estate transactions) . . . . . . . . . . Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities . . . 1 . . . . 2 3 Discrimination in terms, conditions, privileges relating to sale . . . . . . 1 . . 1 Discrimination in terms, conditions, privileges relating to rental 1 . 1 . . 2 1 . 1 6 Discrimination in services and facilities relating to rental . . . . . . . . . . Steering . . . . . . . . . . Otherwise deny or make housing available . . . . . . . . . . Other discriminatory acts . . . . . . . . . . Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . 1 . . . 1 Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) . . . . . 2 1 . . 3 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . . . 1 1 1 . . 3 Total 1 . 1 1 1 9 5 . 4 22 ---PAGE BREAK--- FHIC Analysis of Impediments 238 Final Report: 10/27/09 Table E.22 Fair Housing Complaints by Issue Remainder of Carver County HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . . . . . . . . . Discriminatory refusal to negotiate for rent . . . . . . . . . . Discriminatory refusal to rent and negotiate for rental . . . . . . 1 . . 1 Discriminatory advertising, statements and notices . . . . . . 1 . . 1 Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . . . . . . Discriminatory financing (includes real estate transactions) . . . . . . . . . . Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities . . . . . . . . . . Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental 1 . . . . . . 1 . 2 Discrimination in services and facilities relating to rental . . . . . . . . . . Steering . . . . . . . . . . Otherwise deny or make housing available . . . . . . . . . . Other discriminatory acts . . . . . . . . . . Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) 1 . . . . . . 1 . 2 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . . . . . . . . . Total 2 . . . . . 2 2 . 6 ---PAGE BREAK--- FHIC Analysis of Impediments 239 Final Report: 10/27/09 Table E.23 Fair Housing Complaints by Issue Remainder of Dakota County HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . . . . 2 3 1 1 7 Discriminatory refusal to negotiate for rent . . . . . . . . . . Discriminatory refusal to rent and negotiate for rental 4 . . 1 . . . . . 5 Discriminatory advertising, statements and notices . . . . . . . 1 . 1 Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . . . . . . Discriminatory financing (includes real estate transactions) . . . . . . . 2 . 2 Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities . . . 1 . 1 1 4 2 9 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental 6 . . 1 1 4 2 1 . 15 Discrimination in services and facilities relating to rental . . . . . . 1 . . 1 Steering . . . . . . . . . . Otherwise deny or make housing available . . . . . . . 1 . 1 Other discriminatory acts . . . 1 . . . . . 1 Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) 1 . . . . 2 2 . 1 6 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . 1 . 1 . . 1 3 2 8 Total 11 1 . 5 1 9 10 13 6 56 ---PAGE BREAK--- FHIC Analysis of Impediments 240 Final Report: 10/27/09 Table E.24 Fair Housing Complaints by Issue Remainder of Hennepin County HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . . . . . . . . . Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . 5 . 1 . 1 . 1 8 Discriminatory refusal to negotiate for rent 1 1 2 . . . . . 1 5 Discriminatory refusal to rent and negotiate for rental 1 1 1 . 1 1 . 1 1 7 Discriminatory advertising, statements and notices . 1 . . . . 2 . . 3 Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . 1 . . . . 1 Discriminatory financing (includes real estate transactions) . . . . 1 . . . . 1 Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities . 2 6 2 . 1 1 1 1 14 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental . 4 3 2 . 4 5 4 2 24 Discrimination in services and facilities relating to rental . . . . 1 . 1 . . 2 Steering . . . . . . . 1 . 1 Otherwise deny or make housing available . . . . . . . . 1 1 Other discriminatory acts . . . . . 1 . . . 1 Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . 1 . . . 1 Discriminatory acts under Section 818 (coercion, etc.) . . 4 1 1 3 3 1 . 13 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . 2 1 2 1 . 2 5 13 Total 2 9 23 6 8 12 13 10 12 95 ---PAGE BREAK--- FHIC Analysis of Impediments 241 Final Report: 10/27/09 Table E.25 Fair Housing Complaints by Issue Remainder of Ramsey County HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . 1 . . . . . . 1 Discriminatory refusal to sell and negotiate for sale 1 . . . . . . . . 1 Discriminatory refusal to rent . 1 . . . 1 2 3 . 7 Discriminatory refusal to negotiate for rent . . . . 1 . . . . 1 Discriminatory refusal to rent and negotiate for rental 1 . 1 . . . . . . 2 Discriminatory advertising, statements and notices 1 . . . . . 1 . . 2 Discriminatory advertisement - sale . . . . . . . . . . Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . 1 . . . . . . 1 False denial or representation of availability - rental . . . . . . 1 . . 1 Discriminatory financing (includes real estate transactions) . . . . . . . . . . Discrimination in making of loans . . . . . . . . . . Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . . . . . . . . . Discriminatory brokerage service . . 1 . . . . . . 1 Discrimination in terms and conditions of membership . . . . . . . . . . Discriminatory terms, conditions, privileges, or services and facilities 1 . 2 . . . 1 2 1 7 Discrimination in terms, conditions, privileges relating to sale . . . . . . . . . . Discrimination in terms, conditions, privileges relating to rental 2 2 2 2 1 1 3 1 1 15 Discrimination in services and facilities relating to rental . . . . . . . . . . Steering 1 . . . . . . . . 1 Otherwise deny or make housing available . . . 1 . . . . . 1 Other discriminatory acts . . . . . . . . . . Restriction of choices relative to a sale . . 1 . . . . . . 1 Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) 2 . 1 1 . 1 2 . 1 8 Using ordinances to discriminate in zoning and land use . . . . . . . . . . Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . . . . . . . Failure to make reasonable accommodation . . . 1 2 2 1 1 6 13 Total 9 3 10 5 4 5 11 7 9 63 ---PAGE BREAK--- FHIC Analysis of Impediments 242 Final Report: 10/27/09 Table E.26 Fair Housing Complaints by Issue Remainder of Washington County HUD Data, Fiscal Years 2001 - 2008 Issue 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Discriminatory refusal to sell . . . . . . . . . . Discriminatory refusal to negotiate for sale . . 1 . . . . . . 1 Discriminatory refusal to sell and negotiate for sale . . . . . . . . . . Discriminatory refusal to rent . . . . . . . . . . Discriminatory refusal to negotiate for rent . . 2 . . . . . . 2 Discriminatory refusal to rent and negotiate for rental . . . . 4 . . . . 4 Discriminatory advertising, statements and notices . . 1 . 1 . . . . 2 Discriminatory advertisement - sale . . 1 . . . . . . 1 Discriminatory advertisement - rental . . . . . . . . . . Selective use of advertisement media or content . . . . . . . . . . False denial or representation of availability - rental . . . . . . . . . . Discriminatory financing (includes real estate transactions) 2 . . . . . . . . 2 Discrimination in making of loans 2 . . . . . . . 1 3 Discrimination in the terms or conditions for making loans . . . . . . . . . . Discrimination in the selling of residential real property . . 1 . . . . . . 1 Discriminatory brokerage service . . . . . . . . . . Discrimination in terms and conditions of membership . . . . 1 . . . . 1 Discriminatory terms, conditions, privileges, or services and facilities . . . 1 5 . 1 . . 7 Discrimination in terms, conditions, privileges relating to sale 1 . 1 . . . . . . 2 Discrimination in terms, conditions, privileges relating to rental 1 . . . . . . 1 . 2 Discrimination in services and facilities relating to rental . . . . . . . . . . Steering . . . . . . . . . . Otherwise deny or make housing available . . . . . . . . . . Other discriminatory acts 1 . . . 4 . . . . 5 Restriction of choices relative to a sale . . . . . . . . . . Restriction of choices relative to a rental . . . . . . . . . . Adverse action against an employee . . . . . . . . . . Discriminatory acts under Section 818 (coercion, etc.) 1 . . . 8 1 1 . . 11 Using ordinances to discriminate in zoning and land use 2 . . . . . . . . 2 Discriminatory acts under Section 901 (criminal) . . . . . . . . . . Failure to meet senior housing exemption criteria (55+) . . . . 2 . . . . 2 Failure to make reasonable accommodation . . . . . . 1 2 . 3 Total 10 . 7 1 25 1 3 3 1 51 ---PAGE BREAK--- FHIC Analysis of Impediments 243 Final Report: 10/27/09 Table E.27 Fair Housing Complaints by Closure Bloomington City HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . 1 . . . . . . 1 2 Complaint withdrawn by complainant after resolution . . . . . . . . . . Complaint withdrawn by complainant without resolution . . . 1 . . 2 . . 3 Conciliation/settlement successful . . . 1 2 1 3 . . 7 Dismissed for lack of jurisdiction . . . . . . . . . . DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination 3 . . 1 3 . 1 2 . 10 Unable to locate complainant . . . 1 . . . . . 1 Untimely filed . . . . . 1 . . . 1 Case still open . . . . . . . . . . No information provided . . . . . . . . 5 5 Total 3 1 . 4 5 2 6 2 6 29 Table E.28 Fair Housing Complaints by Closure Eden Prairie City HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . . . . . . 1 . 1 2 Complaint withdrawn by complainant after resolution . . . 7 . . . . . 7 Complaint withdrawn by complainant without resolution 1 . . . . . . . 1 2 Conciliation/settlement successful . . . . . . . 1 . 1 Dismissed for lack of jurisdiction . . . . . 1 . . . 1 DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination . 4 . 2 . 2 . . . 8 Unable to locate complainant . . . . . . . . . . Untimely filed . . . . . . . 1 . 1 Case still open . . . . . . . . . . No information provided . . . . . . . . . . Total 1 4 0 9 0 3 1 2 2 22 ---PAGE BREAK--- FHIC Analysis of Impediments 244 Final Report: 10/27/09 Table E.29 Fair Housing Complaints by Closure Minneapolis City HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate 4 5 3 . 4 4 . 2 2 24 Complaint withdrawn by complainant after resolution 4 2 . . 2 2 2 1 1 14 Complaint withdrawn by complainant without resolution 1 1 3 . 1 . 3 . 1 10 Conciliation/settlement successful 6 12 5 10 6 2 6 4 . 51 Dismissed for lack of jurisdiction 2 . 2 . 4 . 3 3 . 14 DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination 5 8 7 10 8 3 11 13 4 69 Unable to locate complainant . . . . . . 1 1 . 2 Untimely filed . . . 1 2 . . . . 3 Case still open . . . . . . . . . . No information provided . . . . . . . . 2 2 Total 22 28 20 21 27 11 26 24 10 189 Table E.30 Fair Housing Complaints by Closure Minnetonka City HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . . . . . . . . . . Complaint withdrawn by complainant after resolution . . . . 4 . . . . 4 Complaint withdrawn by complainant without resolution . . . . . . . . . . Conciliation/settlement successful . . . . . . . . . . Dismissed for lack of jurisdiction . . . . . . . . . . DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination . . . . 3 . 1 . . 4 Unable to locate complainant . . . . . . . . . . Untimely filed . . . . . 2 . . . 2 Case still open . . . . . . . . . . No information provided . . . . . . . . . . Total . . . . 7 2 1 . . 10 ---PAGE BREAK--- FHIC Analysis of Impediments 245 Final Report: 10/27/09 Table E.31 Fair Housing Complaints by Closure Plymouth City HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . . . . . . . . 2 2 Complaint withdrawn by complainant after resolution . . . . . . . . . . Complaint withdrawn by complainant without resolution . . . 1 . . . . . 1 Conciliation/settlement successful . . . . . . 2 . . 2 Dismissed for lack of jurisdiction . . . . . . . . . . DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination 2 . . 1 2 2 1 . . 8 Unable to locate complainant . . . . . . . . . . Untimely filed . . . . . . . . . . Case still open . . . . . . . . . . No information provided . . . . . . . . . . Total 2 . . 2 2 2 3 . 2 13 Table E.32 Fair Housing Complaints by Closure St. Paul City HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . . . 1 . . 5 2 1 9 Complaint withdrawn by complainant after resolution . . . 5 7 2 3 . 3 20 Complaint withdrawn by complainant without resolution . . . 1 . 4 . . . 5 Conciliation/settlement successful 2 . 2 2 3 . 4 1 2 16 Dismissed for lack of jurisdiction . . . . 1 . . 1 . 2 DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination 2 4 3 16 12 1 4 9 2 53 Unable to locate complainant . . 1 1 . . 1 . . 3 Untimely filed . . . . . . . . . . Case still open . . . . . . . . . . No information provided . . . . . . . . . . Total 4 4 6 26 23 7 17 13 8 108 ---PAGE BREAK--- FHIC Analysis of Impediments 246 Final Report: 10/27/09 Table E.33 Fair Housing Complaints by Closure Woodbury City HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . . . . . . . . . . Complaint withdrawn by complainant after resolution . . 1 . . . . . . 1 Complaint withdrawn by complainant without resolution . . . . . . . . . . Conciliation/settlement successful . . . . . . . . . . Dismissed for lack of jurisdiction . . . . . . . 1 . 1 DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination . . 1 . . . . . . 1 Unable to locate complainant . . . . . . . . . . Untimely filed . . . . . . . . . . Case still open . . . . . . . . . . No information provided . . . . . . . . . . Total . . 2 . . . . 1 . 3 Table E.34 Fair Housing Complaints by Closure Remainder of Anoka County HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun 1 . . . . . . . . 1 Complainant failed to cooperate . . . . . 2 . . . 2 Complaint withdrawn by complainant after resolution . . . . . . 1 . 1 2 Complaint withdrawn by complainant without resolution . . . . . 2 . . 2 4 Conciliation/settlement successful . . . . 1 1 1 . . 3 Dismissed for lack of jurisdiction . . . . . . . . . . DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination . . 1 1 . 4 3 . 1 10 Unable to locate complainant . . . . . . . . . . Untimely filed . . . . . . . . . . Case still open . . . . . . . . . . No information provided . . . . . . . . . . Total 1 . 1 1 1 9 5 . 4 22 ---PAGE BREAK--- FHIC Analysis of Impediments 247 Final Report: 10/27/09 Table E.35 Fair Housing Complaints by Closure Remainder of Carver County HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . . . . . . . . . . Complaint withdrawn by complainant after resolution . . . . . . . . . . Complaint withdrawn by complainant without resolution . . . . . . . . . . Conciliation/settlement successful . . . . . . 2 . . 2 Dismissed for lack of jurisdiction . . . . . . . . . . DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination . . . . . . . 2 . 2 Unable to locate complainant 2 . . . . . . . . 2 Untimely filed . . . . . . . . . . Case still open . . . . . . . . . . No information provided . . . . . . . . . . Total 2 . . . . . 2 2 . 6 Table E.36 Fair Housing Complaints by Closure Remainder of Dakota County HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . . . . . . 1 . . 1 Complaint withdrawn by complainant after resolution . 1 . 2 . . 2 . 1 6 Complaint withdrawn by complainant without resolution . . . . . . 2 6 . 8 Conciliation/settlement successful 9 . . . . 1 . 3 . 13 Dismissed for lack of jurisdiction . . . . . 1 1 . . 2 DOJ dismissal . . . . . . . . . . DOJ settlement . . . . 1 . . . . 1 Election made to go to court . . . . . . . . . . No cause determination 2 . . 3 . 6 4 3 . 18 Unable to locate complainant . . . . . 1 . . . 1 Untimely filed . . . . . . . . 3 3 Case still open . . . . . . . 1 . 1 No information provided . . . . . . . . 2 2 Total 11 1 . 5 1 9 10 13 6 56 ---PAGE BREAK--- FHIC Analysis of Impediments 248 Final Report: 10/27/09 Table E.37 Fair Housing Complaints by Closure Remainder of Hennepin County HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . 1 . 1 . 3 6 3 2 16 Complaint withdrawn by complainant after resolution . 1 4 . . 2 2 1 1 11 Complaint withdrawn by complainant without resolution 1 2 1 1 . 1 3 1 1 11 Conciliation/settlement successful . 2 3 2 4 . 2 2 1 16 Dismissed for lack of jurisdiction . . . . 3 . . . . 3 DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination 1 3 15 2 . 6 . 3 5 35 Unable to locate complainant . . . . . . . . . . Untimely filed . . . . 1 . . . . 1 Case still open . . . . . . . . 1 1 No information provided . . . . . . . . 1 1 Total 2 9 23 6 8 12 13 10 12 95 Table E.38 Fair Housing Complaints by Closure Remainder of Ramsey County HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . . . . . . . . Complainant failed to cooperate . . . . . . . 4 2 6 Complaint withdrawn by complainant after resolution 3 1 . . 2 . 3 . 2 11 Complaint withdrawn by complainant without resolution . . 1 . . 2 . . 1 4 Conciliation/settlement successful . 1 . . . . 1 2 2 6 Dismissed for lack of jurisdiction 1 . 1 4 . . . . . 6 DOJ dismissal . . . . . . . . . . DOJ settlement . . . . . . . . . . Election made to go to court . . . . . . . . . . No cause determination 5 1 8 1 1 3 6 1 1 27 Unable to locate complainant . . . . . . 1 . . 1 Untimely filed . . . . . . . . . . Case still open . . . . . . . . 1 1 No information provided . . . . 1 . . . . 1 Total 9 3 10 5 4 5 11 7 9 63 ---PAGE BREAK--- FHIC Analysis of Impediments 249 Final Report: 10/27/09 Table E.39 Fair Housing Complaints by Closure Remainder of Washington County HUD Data, Fiscal Years 2001 - 2008 Closure 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Closed because trial has begun . . . 1 . . . . . 1 Complainant failed to cooperate . . . . . . . . . . Complaint withdrawn by complainant after resolution . . . . . . . . . . Complaint withdrawn by complainant without resolution 4 . . . 10 . . . . 14 Conciliation/settlement successful . . . . . 1 1 1 . 3 Dismissed for lack of jurisdiction . . . . . . . . . . DOJ dismissal 4 . . . . . . . . 4 DOJ settlement . . . . . . . . . . Election made to go to court . . 7 . . . . . . 7 No cause determination 2 . . . 15 . . 2 . 19 Unable to locate complainant . . . . . . . . . . Untimely filed . . . . . . 2 . . 2 Case still open . . . . . . . . . . No information provided . . . . . . . . 1 1 Total 10 . 7 1 25 1 3 3 1 51 Table E.40 Fair Housing Complaints by Basis Anoka County Minnesota Department of Human Rights Data, 1999 - 2008 Basis 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Color . . . . . . . . . . 0 Disability 4 1 3 . 4 . . . 2 . 14 Familial Status 1 4 2 4 4 . . . . . 15 Marital Status . . . . . . . . . 1 1 National Origin . . . 2 2 . . . . . 4 Public Assistance Status . 1 . 1 . 1 . . . . 3 Race 1 7 . 2 . . . 1 2 . 13 Religion . . . . . . . . . . 0 Reprisal . 1 . . . . . . . . 1 Sex . . . . 4 . . 1 . . 5 Sexual Orientation . . . . . . . . . . 0 Total 6 14 5 9 14 1 0 2 4 1 56 ---PAGE BREAK--- FHIC Analysis of Impediments 250 Final Report: 10/27/09 Table E.41 Fair Housing Complaints by Basis Carver County Minnesota Department of Human Rights Data, 1999 - 2008 Basis 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Color . . . . . . . . . . 0 Disability . . . . . . . . . . 0 Familial Status . . . . . . . . . . 0 Marital Status . . . . . . . . . . 0 National Origin 1 . . . 1 . . . . . 2 Public Assistance Status . . . . 2 . . . . . 2 Race . . . . 5 . . . . . 5 Religion . . . . . . . . . . 0 Reprisal . . . . . . . . . . 0 Sex . . . . . . . . . . 0 Sexual Orientation . . . . . . . . . . 0 Total 1 0 0 0 8 0 0 0 0 0 9 Table E.42 Fair Housing Complaints by Basis Dakota County Minnesota Department of Human Rights Data, 1999 - 2008 Basis 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Color . . . . . . . . . . 0 Disability . . 4 . 2 4 2 . . 17 29 Familial Status 1 . . . . . 3 . 2 . 6 Marital Status . 1 . . . . 3 . . 2 6 National Origin 1 . 1 . . . 2 . 1 . 5 Public Assistance Status . . . . . . . 1 . . 1 Race 6 2 5 4 . . 3 5 3 . 28 Religion . . . . . . . 1 . . 1 Reprisal 1 . . 4 . . . . . . 5 Sex . . . . . 2 1 . . . 3 Sexual Orientation 2 . . . . . . . . 2 Total 11 3 10 8 2 6 14 7 6 19 86 ---PAGE BREAK--- FHIC Analysis of Impediments 251 Final Report: 10/27/09 Table E.43 Fair Housing Complaints by Basis Hennepin County Minnesota Department of Human Rights Data, 1999 - 2008 Basis 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Color . . . . 1 2 . . . . 3 Disability 11 6 5 4 2 8 6 6 5 2 55 Familial Status . 2 1 . . . . . . . 3 Marital Status . 2 2 1 . . 1 1 . . 7 National Origin 3 . 1 3 5 4 1 . . 1 18 Public Assistance Status 3 . 6 3 2 2 . 4 1 . 21 Race 10 18 8 18 6 6 14 5 6 4 95 Religion . . . . 1 . . 1 . . 2 Reprisal 1 . 1 2 1 1 . . . . 6 Sex 2 1 5 5 . 5 4 4 . . 26 Sexual Orientation . 12 . 3 . 2 4 . . 1 22 Total 30 41 29 39 18 30 30 21 12 8 258 Table E.44 Fair Housing Complaints by Basis Ramsey County Minnesota Department of Human Rights Data, 1999 - 2008 Basis 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Color . . 1 . . . . . . . 1 Disability . 3 2 1 8 5 7 . 6 7 39 Familial Status 1 . 2 . 2 1 . . . 1 7 Marital Status . . 5 2 1 . . . . . 8 National Origin 3 3 2 9 . . . . 1 6 24 Public Assistance Status 3 4 1 . 1 . . 1 . 6 16 Race . 8 10 4 6 5 . . 2 10 45 Religion . . . . . . . . . . 0 Reprisal . . . . . 1 1 . . . 2 Sex . 1 3 2 . 1 . 10 2 2 21 Sexual Orientation . . . . . 1 . . 5 . 6 Total 7 19 26 18 18 14 8 11 16 32 169 ---PAGE BREAK--- FHIC Analysis of Impediments 252 Final Report: 10/27/09 Table E.45 Fair Housing Complaints by Basis Washington County Minnesota Department of Human Rights Data, 1999 - 2008 Basis 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Color . . . . . . . . . . 0 Disability . . . . . . . . . . 0 Familial Status . . . . . . . . . . 0 Marital Status . . . . . . . . . . 0 National Origin . . . . . . . . . . 0 Public Assistance Status . . . . 1 . . . . . 1 Race 1 5 . . . . 6 . . . 12 Religion . . . . . . . . . . 0 Reprisal . . . . . . . . . . 0 Sex . . . . . . . . 3 . 3 Sexual Orientation . . . . . . . . . . 0 Total 1 5 0 0 1 0 6 0 3 0 16 Table E.46 Fair Housing Complaints by Allegation Anoka County Minnesota Department of Human Rights Data, 1999 - 2008 Allegation 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Denial of Access . . . . . . . . . . 0 Differential Treatment 1 . 2 . 5 1 . . 1 1 11 Eviction 2 2 2 2 4 . . 1 . . 13 Harassment 1 2 1 . 3 . . . . . 7 Improper References . . . . . . . . . . 0 Opposing Forbidden Practices . 1 . . . . . . . . 1 Other . . . . . . . . . . 0 Prohibited Medical Inquiry/Exam . . . . . . . . . . 0 Qualifications for Tenancy . . . 2 . . . . . . 2 Racial Harassment . 3 . . . . . . . . 3 Refusal to Lease 1 . . 1 . . . . . . 2 Refusal to Rent 1 4 . 4 . . . . 2 . 11 Refusal to Reasonably Accommodate . . . . 2 . . . 1 . 3 Refusal to Sell . . . . . . . . . . 0 Service Animal Prohibition . . . . . . . . . . 0 Sexual Harassment . . . . . . . 1 . . 1 Steering . . . . . . . . . . 0 Unequal Terms & Conditions . 2 . . . . . . . . 2 Association . . . . . . . . . . 0 Total 6 14 5 9 14 1 0 2 4 1 56 ---PAGE BREAK--- FHIC Analysis of Impediments 253 Final Report: 10/27/09 Table E.47 Fair Housing Complaints by Allegation Carver County Minnesota Department of Human Rights Data, 1999 - 2008 Allegation 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Denial of Access . . . . . . . . . . 0 Differential Treatment . . . . 7 . . . . . 7 Eviction . . . . . . . . . . 0 Harassment . . . . . . . . . . 0 Improper References . . . . . . . . . . 0 Opposing Forbidden Practices . . . . . . . . . . 0 Other . . . . . . . . . . 0 Prohibited Medical Inquiry/Exam . . . . . . . . . . 0 Qualifications for Tenancy . . . . . . . . . . 0 Racial Harassment . . . . . . . . . . 0 Refusal to Lease . . . . . . . . . . 0 Refusal to Rent . . . . . . . . . . 0 Refusal to Reasonably Accommodate . . . . . . . . . . 0 Refusal to Sell 1 . . . . . . . . . 1 Service Animal Prohibition . . . . . . . . . . 0 Sexual Harassment . . . . . . . . . . 0 Steering . . . . . . . . . . 0 Unequal Terms & Conditions . . . . . . . . . . 0 Association . . . . . . . . . . 0 Total 1 0 0 0 7 0 0 0 0 0 8 Table E.48 Fair Housing Complaints by Allegation Dakota County Minnesota Department of Human Rights Data, 1999 - 2008 Allegation 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Denial of Access . . . . . . . . . 4 4 Differential Treatment 4 2 1 3 . . 9 2 3 5 29 Eviction 5 . 2 . . 2 3 2 . 2 16 Harassment . . 3 1 1 1 2 . 2 . 10 Improper References . . . . . . . . . . 0 Opposing Forbidden Practices 1 . . 2 . . . . . . 3 Other . . . . . . . . . . 0 Prohibited Medical Inquiry/Exam . . . . . . . . . . 0 Qualifications for Tenancy . . . . . . . . . . 0 Racial Harassment . . . 2 . . . . . . 2 Refusal to Lease . . . . . . . . . . 0 Refusal to Rent . 1 . . . 1 . 2 . . 4 Refusal to Reasonably Accommodate . . 1 . 1 1 . . . 4 7 Refusal to Sell . . . . . . . . . . 0 Service Animal Prohibition . . . . . . . . . . 0 Sexual Harassment . . . . . 1 . . . . 1 Steering . . 1 . . . . . . . 1 Unequal Terms & Conditions 1 . 2 . . . . 1 1 4 9 Association . . . . . . . . . . 0 Total 11 3 10 8 2 6 14 7 6 19 86 ---PAGE BREAK--- FHIC Analysis of Impediments 254 Final Report: 10/27/09 Table E.49 Fair Housing Complaints by Allegation Hennepin County Minnesota Department of Human Rights Data, 1999 - 2008 Allegation 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Denial of Access . . . . . . . . . . 0 Differential Treatment 9 13 12 8 8 7 12 3 2 1 75 Eviction 6 2 3 5 2 3 12 2 2 2 39 Harassment 5 4 2 7 7 3 1 3 1 1 34 Improper References . . . 1 . . . . . . 1 Opposing Forbidden Practices . . . . . . . . . . 0 Other 1 6 2 1 . 1 . 1 . . 12 Prohibited Medical Inquiry/Exam . 2 . . . . . . . . 2 Qualifications for Tenancy . . . . . . . . 1 . 1 Racial Harassment 2 2 . 6 . . . 1 1 1 13 Refusal to Lease . 2 2 1 . . . . . 1 6 Refusal to Rent 2 2 3 3 . 9 . 6 2 1 28 Refusal to Reasonably Accommodate 4 4 1 1 1 4 2 2 1 1 21 Refusal to Sell . 5 1 . . . 2 . . . 8 Service Animal Prohibition . . 1 . . . . . 1 . 2 Sexual Harassment 2 . 2 3 . 1 1 3 . . 12 Steering . . . . . . . . . . 0 Unequal Terms & Conditions . . . 3 . 2 . . 1 . 6 Association . . . . . . . . . . 0 Total 31 42 29 39 18 30 30 21 12 8 260 Table E.50 Fair Housing Complaints by Allegation Ramsey County Minnesota Department of Human Rights Data, 1999 - 2008 Allegation 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Denial of Access 1 . . . . 1 . 1 . . 3 Differential Treatment 2 7 4 4 2 4 1 . 5 10 39 Eviction 1 6 7 11 6 1 3 . . 4 39 Harassment 1 3 5 1 3 1 1 5 4 9 33 Improper References . . . . . . . . . . 0 Opposing Forbidden Practices . . . . . . . . . . 0 Other . . . . . . . . . 2 2 Prohibited Medical Inquiry/Exam . . . . . . . . . . 0 Qualifications for Tenancy . . 1 . . . . . . . 1 Racial Harassment . . 1 1 . 1 . . . . 3 Refusal to Lease 1 . . . 2 . . . . . 3 Refusal to Rent 1 2 2 . . 1 . . 1 . 7 Refusal to Reasonably Accommodate . 1 1 . 4 3 3 . 3 2 17 Refusal to Sell . . 2 . . . . . . . 2 Service Animal Prohibition . . . . . . . . . . 0 Sexual Harassment . . 1 1 . 1 . 5 1 2 11 Steering . . . . . . . . . . 0 Unequal Terms & Conditions . . 2 . 1 . . . 2 3 8 Association . . . . . 1 . . . . 1 Total 7 19 26 18 18 14 8 11 16 32 169 ---PAGE BREAK--- FHIC Analysis of Impediments 255 Final Report: 10/27/09 Table E.51 Fair Housing Complaints by Allegation Washington County Minnesota Department of Human Rights Data, 1999 - 2008 Allegation 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Denial of Access . . . . . . 1 . . . 1 Differential Treatment . 2 . . . . 3 . . . 5 Eviction . 2 . . 1 . . . . . 3 Harassment . . . . . . . . 1 . 1 Improper References . . . . . . . . . . 0 Opposing Forbidden Practices . . . . . . . . 1 . 1 Other . . . . . . . . . . 0 Prohibited Medical Inquiry/Exam . . . . . . . . . . 0 Qualifications for Tenancy . . . . . . . . . . 0 Racial Harassment . 1 . . . . . . . . 1 Refusal to Lease 1 . . . . . 1 . . . 2 Refusal to Rent . . . . . . . . . . 0 Refusal to Reasonably Accommodate . . . . . . . . . . 0 Refusal to Sell . . . . . . 1 . . . 1 Service Animal Prohibition . . . . . . . . . . 0 Sexual Harassment . . . . . . . . 1 . 1 Steering . . . . . . . . . . 0 Unequal Terms & Conditions . . . . . . . . . . 0 Association . . . . . . . . . . 0 Total 1 5 0 0 1 0 6 0 3 0 16 Table E.52 Fair Housing Complaints by Closure Bloomington City Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 4 . . . . 1 2 1 . 1 9 No probable cause . . . . . . . . . . 0 Probable cause closed . . 1 . . . . . 2 . 3 Alternative dispute resolution settlement . . . . 1 . . . . . 1 Withdrawn . . . . . . . 1 . . 1 Withdrawn satisfactorily adjusted . . . . . . . . . . 0 Predetermination settlement . . . . . . . . . . 0 Total 4 0 1 0 1 1 2 2 2 1 14 ---PAGE BREAK--- FHIC Analysis of Impediments 256 Final Report: 10/27/09 Table E.53 Fair Housing Complaints by Closure Eden Prairie City Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 1 . 1 . . . . . . . 2 No probable cause . 2 . . . . . . . . 2 Probable cause closed . . . . . . . . . . 0 Alternative dispute resolution settlement . . . . . . . . . . 0 Withdrawn . . . . . . . . . . 0 Withdrawn satisfactorily adjusted . . . . . . . . . . 0 Predetermination settlement . . . . . . . . . . 0 Total 1 2 1 0 0 0 0 0 0 0 4 Table E.54 Fair Housing Complaints by Closure Minneapolis City Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 4 5 5 8 3 2 4 . . 3 34 No probable cause 4 4 . 1 . . 2 1 1 . 13 Probable cause closed . 2 . 2 . . . 3 . . 7 Alternative dispute resolution settlement . . . . . . . . . . 0 Withdrawn . . . . 1 5 . 1 . . 7 Withdrawn satisfactorily adjusted . 1 . . . . . . . . 1 Predetermination settlement . . . . . . . . . . 0 Total 8 12 5 11 4 7 6 5 1 3 62 Table E.55 Fair Housing Complaints by Closure Minnetonka City Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed . . . . . . . . . . 0 No probable cause . . . . . . . . . . 0 Probable cause closed . . . . . . . . . . 0 Alternative dispute resolution settlement . . . . . . . . . . 0 Withdrawn . . . . . . . . . . 0 Withdrawn satisfactorily adjusted . . . . . . . . . . 0 Predetermination settlement . . . . . . . . . . 0 Total 0 0 0 0 0 0 0 0 0 0 0 ---PAGE BREAK--- FHIC Analysis of Impediments 257 Final Report: 10/27/09 Table E.56 Fair Housing Complaints by Closure Plymouth City Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed . 1 . 1 1 . . . . . 3 No probable cause . . . . . . . . . . 0 Probable cause closed . . . . . . . . . . 0 Alternative dispute resolution settlement . . . . . . . . . . 0 Withdrawn . . . . . . . . . . 0 Withdrawn satisfactorily adjusted . . . . . . . . . . 0 Predetermination settlement . . . . . . . . . . 0 Total 0 1 0 1 1 0 0 0 0 0 3 Table E.57 Fair Housing Complaints by Closure St. Paul City Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 2 6 6 2 3 2 1 0 4 4 30 No probable cause 1 1 3 7 1 . 1 . 3 . 17 Probable cause closed . . 1 . . 1 . . . . 2 Alternative dispute resolution settlement . . . . . . . . 1 . 1 Withdrawn . . . 1 . . . 1 . . 2 Withdrawn satisfactorily adjusted . . 1 . 3 . . . . . 4 Predetermination settlement . . . . . . . . . . 0 Total 3 7 11 10 7 3 2 1 8 4 56 Table E.58 Fair Housing Complaints by Closure Woodbury City Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed . . . . . . 2 . . . 2 No probable cause . . . . . . . . . . 0 Probable cause closed . . . . . . . . . . 0 Alternative dispute resolution settlement . . . . . . . . . . 0 Withdrawn . . . . . . . . . . 0 Withdrawn satisfactorily adjusted . . . . . . . . . . 0 Predetermination settlement . . . . . . . . . . 0 Total 0 0 0 0 0 0 2 0 0 0 2 ---PAGE BREAK--- FHIC Analysis of Impediments 258 Final Report: 10/27/09 Table E.59 Fair Housing Complaints by Closure Remainder of Anoka County Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 3 1 3 2 3 1 . . 1 1 15 No probable cause 1 3 . 1 2 . . 1 . . 8 Probable cause closed . . . 2 . . . 1 . . 3 Alternative dispute resolution settlement . . . . . . . . 1 . 1 Withdrawn . . . . . . . . . . 0 Withdrawn satisfactorily adjusted . 2 . . . . . . . . 2 Predetermination settlement . . . . . . . . . . 0 Total 4 6 3 5 5 1 0 2 2 1 29 Table E.60 Fair Housing Complaints by Closure Remainder of Carver County Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 1 . . . 6 . . . . . 7 No probable cause . . . . . . . . . . 0 Probable cause closed . . . . . . . . . . 0 Alternative dispute resolution settlement . . . . . . . . . . 0 Withdrawn . . . . . . . . . . 0 Withdrawn satisfactorily adjusted . . . . . . . . . . 0 Predetermination settlement . . . . . . . . . . 0 Total 1 0 0 0 6 0 0 0 0 0 7 Table E.61 Fair Housing Complaints by Closure Remainder of Dakota County Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 6 2 3 3 1 1 6 1 1 5 29 No probable cause 1 . 1 . . . . 1 1 . 4 Probable cause closed . . . . . 1 . 2 . . 3 Alternative dispute resolution settlement 1 . . . . . . . . . 1 Withdrawn . . . . . . . . . . . Withdrawn satisfactorily adjusted . . . . . . . . . . . Predetermination settlement . . . . . . . . . . . Total 8 2 4 3 1 2 6 4 2 5 37 ---PAGE BREAK--- FHIC Analysis of Impediments 259 Final Report: 10/27/09 Table E.62 Fair Housing Complaints by Closure Remainder of Hennepin County Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 2 6 2 6 . 2 10 3 3 . 34 No probable cause 4 3 2 . . . 2 2 . . 13 Probable cause closed . . 2 . 1 . . 1 . . 4 Alternative dispute resolution settlement . 1 . . . 1 . 2 1 . 5 Withdrawn . . . . . . . . . . 0 Withdrawn satisfactorily adjusted . 1 . . . . . . . . 1 Predetermination settlement 1 . . . . . . . . . 1 Total 7 11 6 6 1 3 12 8 4 0 58 Table E.63 Fair Housing Complaints by Closure Remainder of Ramsey County Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed 1 1 2 . 2 1 1 . . 3 11 No probable cause . 1 . . 1 . 1 5 . 3 11 Probable cause closed . . . . . . . . . . 0 Alternative dispute resolution settlement . . . 1 . . . . . . 1 Withdrawn . . . . . . . . 1 1 2 Withdrawn satisfactorily adjusted . . . . 2 3 . . . . 5 Predetermination settlement . . . . . . . . . . 0 Total 1 2 2 1 5 4 2 5 1 7 30 Table E.64 Fair Housing Complaints by Closure Remainder of Washington County Minnesota Department of Human Rights Data, 1999 - 2008 Closure 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Total Dismissed . 2 . . 1 . . . . . 3 No probable cause 1 . . . . . 1 . 1 . 3 Probable cause closed . . . . . . . . . . 0 Alternative dispute resolution settlement . . . . . . . . . . 0 Withdrawn . . . . . . . . . . 0 Withdrawn satisfactorily adjusted . . . . . . . . . . 0 Predetermination settlement . . . . . . . . . . 0 Total 1 2 0 0 1 0 1 0 1 0 6 ---PAGE BREAK--- FHIC Analysis of Impediments 260 Final Report: 10/27/09 Table E.65 Fair Housing Complaints by County Anoka and Hennepin Counties Legal Aid Society of Minneapolis Data, 2004 - 2009 County Obs Anoka 41 Hennepin 691 Total 732 Table E.66 Fair Housing Complaints by County by Year Anoka and Hennepin Counties Legal Aid Society of Minneapolis Data, 2004 - 2009 County 2004 2005 2006 2007 2008 2009 Total Anoka . 10 8 9 7 7 41 Hennepin 1 184 157 118 142 89 691 Total 1 194 165 127 149 96 732 Table E.67 Basis of Fair Housing Complaint by County Anoka and Hennepin Counties Legal Aid Society of Minneapolis Data, 2004 - 2009 Basis Anoka Hennepin Total Age . 5 5 Disability 21 284 305 Family Status 3 69 72 Gender/Sex 3 100 103 Marital Status . 4 4 National Origin 5 91 96 Public Assistace 4 43 47 Race/Color 9 230 239 Religion/Creed . 12 12 Sexual Orientation 2 14 16 Missing 4 37 41 Total Basis 51 889 940 Total Complaints 41 691 732 Table E.68 Fair Housing Complaint Discrimination Issue by Year Anoka and Hennepin Counties Legal Aid Society of Minneapolis Data, 2004 - 2009 Issue Anoka Hennepin Total Obtaining Rental Housing 7 88 95 Other Denial 1 6 7 Terms/Conditions 15 332 347 Termination 8 176 184 Other 4 50 54 Missing 12 134 146 Total Issues 47 786 833 Total Complaints 41 691 732 ---PAGE BREAK--- FHIC Analysis of Impediments 261 Final Report: 10/27/09 Table E.69 Fair Housing Complaint Outcome by County Anoka and Hennepin Counties Legal Aid Society of Minneapolis Data, 2004 - 2009 Issue Anoka Hennepin Total Rejected 2 7 9 Advice & Council 18 346 364 No Merit 1 28 29 Pre-Litigation Settlement with Damages 1 13 14 Pre-Litigation Settlement with Non-Monetary Relief 4 142 146 Agency Conciliation with Damages 1 1 2 Agency Conciliation with Non-Monetary Relief 1 1 2 Agency Decision with Damages . 1 1 Agency Decision with Non-Monetary . 2 2 Agency Decision Lost . 10 10 Settlement During Litigation with Damages . 6 6 Settlement During Litigation with Non-Monetary Relief 1 11 12 Court Decision with Non-Monetary Relief 2 3 5 Referred to Other 4 18 22 Case Still Open 6 102 108 Total 41 691 732 Table E.70 Basis of Fair Housing Complaint by Year Anoka County Legal Aid Society of Minneapolis Data, 2004 - 2009 Basis 2004 2005 2006 2007 2008 2009 Total Disability . 5 4 3 4 5 21 Family Status . . . 3 . . 3 Gender/Sex . 1 . 1 . 1 3 National Origin . 1 2 . 1 1 5 Public Assistance . 1 . 1 1 1 4 Race/Color . 2 4 1 2 . 9 Sexual Orientation . 1 . . . 1 2 Missing . 1 1 . 1 1 4 Total Basis . 12 11 9 9 10 51 Total Complaints . 10 8 9 7 7 41 Table E.71 Fair Housing Complaint Discriminatory Issue by Year Anoka County Legal Aid Society of Minneapolis Data, 2004 - 2009 Issue 2004 2005 2006 2007 2008 2009 Total Obtaining Rental Housing . 2 1 3 1 . 7 Other Denial . . . 1 . . 1 Terms/Conditions . 3 4 2 2 4 15 Termination . 3 2 . 2 1 8 Other . . 2 1 1 . 4 Missing . 2 1 2 4 3 12 Total Issues . 10 10 9 10 8 47 Total Basis . 10 8 9 7 7 41 ---PAGE BREAK--- FHIC Analysis of Impediments 262 Final Report: 10/27/09 Table E.72 Fair Housing Complaint Outcome by Year Anoka County Legal Aid Society of Minneapolis Data, 2004 - 2009 Outcome 2004 2005 2006 2007 2008 2009 Total Rejected . 1 . 1 . . 2 Advice & Council . 5 2 2 6 3 18 No Merit . 1 . . . . 1 Pre-Litigation Settlement with Damages . . . 1 . . 1 Pre-Litigation Settlement with Non-Monetary Relief . . 3 1 . . 4 Agency Conciliation with Damages . 1 . . . . 1 Agency Conciliation with Non-Monetary Relief . . . 1 . . 1 Settlement During Litigation with Non-Monetary Relief . . . 1 . . 1 Court Decision with Non-Monetary Relief . . 2 . . . 2 Referred to Other . 1 . 1 . 2 4 Case Still Open . 1 1 1 1 2 6 Total . 10 8 9 7 7 41 Table E.73 Basis of Fair Housing Complaint by Year Hennepin County Legal Aid Society of Minneapolis Data, 2004 - 2009 Basis 2004 2005 2006 2007 2008 2009 Total Age . 2 3 . . . 5 Disability . 69 54 51 72 38 284 Family Status . 11 16 10 24 8 69 Gender/Sex . 22 30 17 13 18 100 Marital Status . 2 1 . . 1 4 National Origin . 24 20 12 27 8 91 Public Assistance . 8 13 6 11 5 43 Race/Color . 79 75 28 27 21 230 Religion/Creed . 4 . 1 5 2 12 Sexual Orientation . 4 4 1 1 4 14 Missing 1 9 8 6 5 8 37 Total Basis 1 234 224 132 185 113 889 Total Complaints 1 184 157 118 142 89 691 Table E. 74 Fair Housing Complaint Discriminatory Issue by Year Hennepin County Legal Aid Society of Minneapolis Data, 2004 - 2009 Issue 2004 2005 2006 2007 2008 2009 Total Obtaining Rental Housing . 22 19 24 15 8 88 Other Denial . 1 . 2 3 . 6 Terms/Conditions . 105 93 46 50 38 332 Termination . 32 43 24 59 18 176 Other . 9 14 11 8 8 50 Missing 1 30 22 24 30 27 134 Total 1 199 191 131 165 99 786 Total Basis 1 184 157 118 142 89 691 ---PAGE BREAK--- FHIC Analysis of Impediments 263 Final Report: 10/27/09 Table E.75 Fair Housing Complaint Outcome by Year Hennepin County Legal Aid Society of Minneapolis Data, 2004 - 2009 Outcome 2004 2005 2006 2007 2008 2009 Total Rejected . 3 . 1 2 1 7 Advice & Council . 116 77 52 61 40 346 No Merit . 10 7 5 3 3 28 Pre-Litigation Settlement with Damages . 1 8 2 1 1 13 Pre-Litigation Settlement with Non-Monetary Relief . 20 29 23 55 15 142 Agency Conciliation with Damages . . 1 . . . 1 Agency Conciliation with Non-Monetary Relief . . 1 . . . 1 Agency Decision with Damages . 1 . . . . 1 Agency Decision with Non-Monetary . . 2 . . . 2 Agency Decision Lost . 4 3 2 1 . 10 Settlement During Litigation with Damages . 1 4 1 . . 6 Settlement During Litigation with Non-Monetary Relief . 2 4 3 1 1 11 Court Decision with Non-Monetary Relief . 1 . 1 1 . 3 Referred to Other . 6 5 7 . . 18 Case Still Open 1 19 16 21 17 28 102 Total 1 184 157 118 142 89 691 Table E.76 Fair Housing Complaints by County Fair Housing Implementation Council Region Southern Minnesota Regional Legal Services Data, 2003 - 2009 County Obs Anoka 1 Carver 13 Dakota 162 Hennepin 17 Ramsey 800 Scott 19 Washington 51 Total 1,063 Table E.77 Fair Housing Complaints by County by Year Fair Housing Implementation Council Region Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Anoka . . . . . 1 . 1 Carver . . 1 5 2 3 2 13 Dakota 1 2 14 51 30 54 10 162 Hennepin . 1 . 5 2 9 . 17 Ramsey 4 4 118 233 189 221 31 800 Scott . . . 5 8 5 1 19 Washington 4 . 7 6 21 10 3 51 Total 9 7 140 305 252 303 47 1,063 ---PAGE BREAK--- FHIC Analysis of Impediments 264 Final Report: 10/27/09 Table E.78 Basis of Fair Housing Complaint by County Fair Housing Implementation Council Region Southern Minnesota Regional Legal Services Data, 2003 - 2009 County Anoka Carver Dakota Hennepin Ramsey Scott Washington Total Age . . . . 3 . . 3 Disability 1 9 100 6 474 8 36 634 Family Status . . 14 1 36 2 3 56 Gender/Sex . 1 15 3 92 3 3 117 Marital Status . . . . 1 . . 1 National Origin . 1 13 4 45 . 2 65 Public Assistance . . 9 . 38 2 . 49 Race/Color . 4 29 5 170 6 8 222 Religion/Creed . . . . 3 . . 3 Sexual Orientation . . . . 9 . . 9 Missing . . . . 3 . . 3 Total Basis 1 15 180 19 874 21 52 1,162 Total Complaints 1 13 162 17 800 19 51 1,063 Table E.79 Fair Housing Complaint Discrimination Issue by County Fair Housing Implementation Council Region Southern Minnesota Regional Legal Services Data, 2003 - 2009 County Anoka Carver Dakota Hennepin Ramsey Scott Washington Total Obtaining Rental Housing . 1 18 4 82 7 3 115 Purchase/Finance Home . . . 1 . . . 1 Other Denial . . 7 2 22 . 1 32 Terms/Conditions 1 6 43 3 256 7 10 326 Termination . . 51 2 236 4 19 312 Reasonable Accommodation . 5 65 5 312 4 32 423 Other . 1 5 1 33 . . 40 Missing . . 1 . 4 . . 5 Total Basis 1 13 190 18 945 22 65 1,254 Total Complaints 9 7 140 305 252 303 47 1,063 ---PAGE BREAK--- FHIC Analysis of Impediments 265 Final Report: 10/27/09 Table E.80 Fair Housing Complaint Outcome by County Fair Housing Implementation Council Region Southern Minnesota Regional Legal Services Data, 2003 - 2009 Outcome Anoka Carver Dakota Hennepin Ramsey Scott Washington Total Rejected 1 . 6 1 19 . 2 29 Advice & Council . 4 53 7 279 10 12 365 No Merit . . 2 . 3 . . 5 Pre-Litigation Settlement with Damages . . 1 . 4 . . 5 Pre-Litigation Settlement with Non-Monetary Relief . 4 44 4 220 3 13 288 Agency Conciliation with Damages . . . . 1 . . 1 Agency Conciliation with Non-Monetary Relief . . 7 . 13 . 1 21 Agency Decision with Non-Monetary . . 3 . 20 1 . 24 Agency Decision Lost . 1 3 . 12 1 1 18 Settlement During Litigation with Damages . . 2 . 8 . 2 12 Settlement During Litigation with Non-Monetary Relief . . 1 1 45 . 3 50 Court Decision with Damages . . 1 . 1 . . 2 Court Decision with Non-Monetary Relief . . . . 9 . 1 10 Court Decision Lost . 1 . . 2 . 1 4 Appellate Decision Won . . 1 . 0 . . 1 Appealed Decision Lost . . . 1 1 . . 2 Referred to Other . . 2 1 8 . 1 12 Case Still Open . 3 36 2 155 4 14 214 Total 1 13 162 17 800 19 51 1,063 Table E.81 Basis of Fair Housing Complaint by Year Anoka County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Disability . . . . . 1 . 1 Total Basis . . . . . 1 . 1 Total Complaints . . . . . 1 . 1 Table E.82 Fair Housing Complaint Discriminatory Issue by Year Anoka County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Terms/Conditions . . . . . 1 . 1 Total Basis . . . . . 1 . 1 Total Complaints . . . . . 1 . 1 Table E.83 Fair Housing Complaint Outcome by Year Anoka County Southern Minnesota Regional Legal Services Data, 2003 - 2009 Outcome 2003 2004 2005 2006 2007 2008 2009 Total Rejected . . . . . 1 . 1 Total . . . . . 1 . 1 ---PAGE BREAK--- FHIC Analysis of Impediments 266 Final Report: 10/27/09 Table E.84 Basis of Fair Housing Complaint by Year Carver County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Disability . . 1 3 1 2 2 9 Gender/Sex . . . . . 1 . 1 National Origin . . . 1 . . . 1 Race/Color . . . 3 1 . . 4 Total Basis . . 1 7 2 3 2 15 Total Complaints . . 1 5 2 3 2 13 Table E.85 Fair Housing Complaint Discriminatory Issue by Year Carver County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Obtaining Rental Housing . . . . . 1 . 1 Terms/Conditions . . . 4 1 . 1 6 Reasonable Accommodation . . . 1 1 2 1 5 Other . . 1 . . . . 1 Total Basis . . 1 5 2 3 2 13 Total Complaints . . 1 5 2 3 2 13 Table E.86 Fair Housing Complaint Outcome by Year Carver County Southern Minnesota Regional Legal Services Data, 2003 - 2009 Outcome 2003 2004 2005 2006 2007 2008 2009 Total Advice & Council . . . 1 1 2 . 4 Pre-Litigation Settlement with Non-Monetary Relief . . 1 2 . 1 . 4 Agency Decision Lost . . . 1 . . . 1 Court Decision Lost . . . . 1 . . 1 Case Still Open . . . 1 . . 2 3 Total . . 1 5 2 3 2 13 Table E.87 Basis of Fair Housing Complaint by Year Dakota County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Disability 1 . 8 35 18 34 4 100 Family Status . . 1 3 1 8 1 14 Gender/Sex . 1 2 2 2 6 2 15 National Origin . 1 . 3 4 5 . 13 Public Assistance . . 3 4 . . 2 9 Race/Color 1 . 3 9 9 6 1 29 Total Basis 2 2 17 56 34 59 10 180 Total Complaints 1 2 14 51 30 54 10 162 ---PAGE BREAK--- FHIC Analysis of Impediments 267 Final Report: 10/27/09 Table E.88 Fair Housing Complaint Discriminatory Issue by Year Dakota County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Obtaining Rental Housing . . 3 5 4 6 . 18 Other Denial . . 1 . 2 1 3 7 Terms/Conditions 1 2 5 12 6 15 2 43 Termination 1 . 4 17 12 14 3 51 Reasonable Accommodation . . 4 28 7 23 3 65 Other . . 1 2 . 2 . 5 Missing . . . 1 . . . 1 Total Basis 2 2 18 65 31 61 11 190 Total Complaints 1 2 14 51 30 54 10 162 Table E.89 Fair Housing Complaint Outcome by Year Dakota County Southern Minnesota Regional Legal Services Data, 2003 - 2009 Outcome 2003 2004 2005 2006 2007 2008 2009 Total Rejected . . . 2 . 4 . 6 Advice & Council 1 . 6 16 12 17 1 53 No Merit . . 2 . . . . 2 Pre-Litigation Settlement with Damages . . . 1 . . . 1 Pre-Litigation Settlement with Non-Monetary Relief . 1 2 18 9 13 1 44 Agency Conciliation with Non-Monetary Relief . . 1 4 2 . . 7 Agency Decision with Non-Monetary . . . . 1 1 1 3 Agency Decision Lost . . . 2 . 1 . 3 Settlement During Litigation with Damages . 1 . 1 . . . 2 Settlement During Litigation with Non-Monetary Relief . . . . . 1 . 1 Court Decision with Damages . . . . 1 . . 1 Appellate Decision Won . . . 1 . . . 1 Referred to Other . . 1 . . 1 . 2 Case Still Open . . 2 6 5 16 7 36 Total 1 2 14 51 30 54 10 162 Table E.90 Basis of Fair Housing Complaint by Year Hennepin County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Disability . 1 . 2 1 2 . 6 Gender/Sex . . . . . 3 . 3 Family Status . . . . . 1 . 1 National Origin . . . 2 . 2 . 4 Race/Color . . . 2 1 2 . 5 Total Basis . 1 . 6 2 10 . 19 Total Complaints . 1 . 5 2 9 . 17 ---PAGE BREAK--- FHIC Analysis of Impediments 268 Final Report: 10/27/09 Table E.91 Fair Housing Complaint Discriminatory Issue by Year Hennepin County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Obtaining Rental Housing . . . 1 . 3 . 4 Purchase/Finance Home . . . . 1 . . 1 Other Denial . . . . . 2 . 2 Terms/Conditions . . . 1 . 2 . 3 Termination . . . 1 . 1 . 2 Reasonable Accommodation . 1 . 2 1 1 . 5 Other . . . 1 . . . 1 Total Basis . 1 . 6 2 9 . 18 Total Complaints . 1 . 5 2 9 . 17 Table E.92 Fair Housing Complaint Outcome by Year Hennepin County Southern Minnesota Regional Legal Services Data, 2003 - 2009 Outcome 2003 2004 2005 2006 2007 2008 2009 Total Rejected . . . . . 1 . 1 Advice & Council . . . 1 1 5 . 7 Pre-Litigation Settlement with Non-Monetary Relief . 1 . 1 . 2 . 4 Settlement During Litigation with Non-Monetary Relief . . . 1 . . . 1 Appealed Decision Lost . . . 1 . . . 1 Referred to Other . . . . 1 . . 1 Case Still Open . . . 1 . 1 . 2 Total . 1 . 5 2 9 . 17 Table E.93 Basis of Fair Housing Complaint by Year Ramsey County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Age 1 . 1 . 1 . . 3 Disability 2 2 66 152 98 135 19 474 Family Status . . 8 6 9 12 1 36 Gender/Sex 1 . 12 27 27 20 5 92 Marital Status . . 1 . . . . 1 National Origin . . 2 10 16 15 2 45 Public Assistance . . 8 9 11 10 . 38 Race/Color 2 2 30 47 44 41 4 170 Religion/Creed . . 1 1 . . 1 3 Sexual Orientation . . 3 1 1 4 . 9 Missing . . . 1 2 . . 3 Total Basis 6 4 132 254 209 237 32 874 Total Complaints 4 4 118 233 189 221 31 800 ---PAGE BREAK--- FHIC Analysis of Impediments 269 Final Report: 10/27/09 Table E.94 Fair Housing Complaint Discriminatory Issue by Year Ramsey County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Obtaining Rental Housing 1 2 13 13 28 22 3 82 Other Denial . . 3 6 3 8 2 22 Terms/Conditions 3 1 41 75 70 57 9 256 Termination 2 . 38 69 55 63 9 236 Reasonable Accommodation . 2 44 97 59 98 12 312 Other . . 5 7 9 10 2 33 Missing . . . 1 3 . . 4 Total Basis 6 5 144 268 227 258 37 945 Total Complaints 4 4 118 233 189 221 31 800 Table E.95 Fair Housing Complaint Outcome by Year Ramsey County Southern Minnesota Regional Legal Services Data, 2003 - 2009 Outcome 2003 2004 2005 2006 2007 2008 2009 Total Rejected . . . 9 3 6 1 19 Advice & Council . 1 30 92 66 84 6 279 No Merit . . 2 . 1 . . 3 Pre-Litigation Settlement with Damages . . 1 1 1 1 . 4 Pre-Litigation Settlement with Non-Monetary Relief 1 2 48 71 48 48 2 220 Agency Conciliation with Damages . . . . 1 . . 1 Agency Conciliation with Non-Monetary Relief . . 3 4 3 3 . 13 Agency Decision with Non-Monetary . . 10 6 1 3 . 20 Agency Decision Lost . . 1 3 3 5 . 12 Settlement During Litigation with Damages 2 . 1 4 1 . . 8 Settlement During Litigation with Non-Monetary Relief . . 3 11 14 15 2 45 Court Decision with Damages . . . . 1 . . 1 Court Decision with Non-Monetary Relief . 1 3 4 . 1 . 9 Court Decision Lost . . . . . 2 . 2 Appealed Decision Lost . . . . 1 . . 1 Referred to Other 1 . 3 2 2 . . 8 Case Still Open . . 13 26 43 53 20 155 Total 4 4 118 233 189 221 31 800 Table E.96 Basis of Fair Housing Complaint by Year Scott County (Not Part of FHIC) Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Disability . . . 2 5 . 1 8 Family Status . . . . . 2 . 2 Gender/Sex . . . 2 1 . . 3 Public Assistance . . . . 2 . . 2 Race/Color . . . 2 1 3 . 6 Total Basis . . . 6 9 5 1 21 Total Complaints . . . 5 8 5 1 19 ---PAGE BREAK--- FHIC Analysis of Impediments 270 Final Report: 10/27/09 Table E.97 Fair Housing Complaint Discriminatory Issue by Year Scott County (Not Part of FHIC) Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Obtaining Rental Housing . . . 1 3 2 1 7 Terms/Conditions . . . 3 1 3 . 7 Termination . . . . 3 1 . 4 Reasonable Accommodation . . . 2 2 . . 4 Total Basis . . . 6 9 6 1 22 Total Complaints . . . 5 8 5 1 19 Table E.98 Fair Housing Complaint Outcome by Year Scott County (Not Part of FHIC) Southern Minnesota Regional Legal Services Data, 2003 - 2009 Outcome 2003 2004 2005 2006 2007 2008 2009 Total Advice & Council . . . 3 2 4 1 10 Pre-Litigation Settlement with Non-Monetary Relief . . . . 2 1 . 3 Agency Decision with Non-Monetary . . . . 1 . . 1 Agency Decision Lost . . . . 1 . . 1 Case Still Open . . . 2 2 . . 4 Total . . . 5 8 5 1 19 Table E.99 Basis of Fair Housing Complaint by Year Washington County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Disability 1 . 3 4 16 9 3 36 Family Status 2 . . . . 1 . 3 Gender/Sex . . 2 . 1 . . 3 National Origin . . 1 . 1 . . 2 Race/Color 1 . 2 2 3 . . 8 Total Basis 4 . 8 6 21 10 3 52 Total Complaints 4 . 7 6 21 10 3 51 Table E.100 Fair Housing Complaint Discriminatory Issue by Year Washington County Southern Minnesota Regional Legal Services Data, 2003 - 2009 County 2003 2004 2005 2006 2007 2008 2009 Total Obtaining Rental Housing . . 1 . 1 . 1 3 Other Denial . . . . . 1 . 1 Terms/Conditions 1 . 5 1 3 . . 10 Termination 3 . . 2 9 4 1 19 Reasonable Accommodation 1 . 3 3 14 8 3 32 Total Basis 5 . 9 6 27 13 5 65 Total Complaints 4 . 7 6 21 10 3 51 ---PAGE BREAK--- FHIC Analysis of Impediments 271 Final Report: 10/27/09 Table E.101 Fair Housing Complaint Outcome by Year Washington County Southern Minnesota Regional Legal Services Data, 2003 - 2009 Outcome 2003 2004 2005 2006 2007 2008 2009 Total Rejected . . . 1 . . 1 2 Advice & Council . . 4 2 4 2 . 12 Pre-Litigation Settlement with Non-Monetary Relief . . 1 2 7 3 . 13 Agency Conciliation with Non-Monetary Relief . . . . 1 . . 1 Agency Decision Lost . . . . . 1 . 1 Settlement During Litigation with Damages 2 . . . . . . 2 Settlement During Litigation with Non-Monetary Relief 1 . . 1 1 . . 3 Court Decision with Non-Monetary Relief . . . . 1 . . 1 Court Decision Lost 1 . . . . . . 1 Referred to Other . . 1 . . . . 1 Case Still Open . . 1 . 7 4 2 14 Total 4 . 7 6 21 10 3 51 ---PAGE BREAK--- FHIC Analysis of Impediments 272 Final Report: 10/27/09 ---PAGE BREAK--- FHIC Analysis of Impediments 273 Final Report: 10/27/09 APPENDIX F. 2009 FAIR HOUSING SURVEY DATA Table F.1 Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Responses Questions Yes No Don't Know Total Federal, State and Local Fair Housing Law Do these laws serve a useful purpose? 214 20 66 300 Are these laws difficult to understand or follow? 86 146 68 300 Is there a specific training process to learn about fair housing law? 119 57 124 300 Fair Housing in Your Community Do you have concerns about fair housing in your community? 105 108 23 236 Do you see barriers to affirmatively furthering fair housing in your community? 104 95 37 236 Are there areas in your community that have fair housing problems? 74 64 98 236 If there are areas with fair housing problems, can you cite specific instances? 53 81 69 203 Local Government Policies and Activities Related to Fair Housing Has local government taken actions which adversely affected fair housing choice? 35 80 80 195 Are there fair housing non-compliance issues with any public housing authorities? 12 123 60 195 Are there codes or regulations that represent barriers to fair housing choice? 31 94 70 195 Are there any public administrative policies that represent barriers to fair housing choice? 23 90 82 195 Fair Housing Activities in Your Community Are you aware of any fair housing testing in your community? 26 97 29 152 Are you aware of a fair housing plan in your community? 48 78 26 152 Do fair housing laws need to be strengthened? 42 51 59 152 Outreach and Education in Your Community Too Little Right Amount Too Much Total Is there sufficient outreach and education regarding affirmatively further fair housing in your community? 99 50 3 152 ---PAGE BREAK--- FHIC Analysis of Impediments 274 Final Report: 10/27/09 Table F.2 Do these laws serve a useful purpose? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie 1 0 1 2 Minneapolis 34 3 4 41 Minnetonka 2 0 0 2 Plymouth 16 1 3 20 St. Paul 14 2 4 20 Woodbury 9 2 3 14 Remainder of Counties Anoka 26 4 11 41 Carver 3 1 0 4 Dakota 10 1 5 16 Hennepin 64 3 17 84 Ramsey 19 1 8 28 Washington 16 2 10 28 Regional Total 214 20 66 300 Table F.3 Are these laws difficult for you or people you work with to understand or follow? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie 0 0 2 2 Minneapolis 14 22 5 41 Minnetonka 1 0 1 2 Plymouth 2 15 3 20 St. Paul 7 10 3 20 Woodbury 5 6 3 14 Remainder of Counties Anoka 15 21 5 41 Carver 1 1 2 4 Dakota 4 10 2 16 Hennepin 25 40 19 84 Ramsey 6 9 13 28 Washington 6 12 10 28 Regional Total 86 146 68 300 ---PAGE BREAK--- FHIC Analysis of Impediments 275 Final Report: 10/27/09 Table F.4 Is there a specific training process available to you to learn about fair housing law? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie 1 0 1 2 Minneapolis 16 8 17 41 Minnetonka 1 0 1 2 Plymouth 11 3 6 20 St. Paul 8 1 11 20 Woodbury 5 2 7 14 Remainder of Counties Anoka 17 9 15 41 Carver 2 0 2 4 Dakota 11 2 3 16 Hennepin 31 20 33 84 Ramsey 5 7 16 28 Washington 11 5 12 28 Regional Total 119 57 124 300 Table F.5 Do you have concerns about fair housing in your community? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie 0 1 1 2 Minneapolis 20 5 1 26 Minnetonka 0 1 0 1 Plymouth 3 11 1 15 St. Paul 11 4 3 18 Woodbury 3 10 0 13 Remainder of Counties Anoka 7 22 4 33 Carver 0 2 1 3 Dakota 7 7 1 15 Hennepin 40 27 1 68 Ramsey 6 9 7 22 Washington 8 9 3 20 Regional Total 105 108 23 236 ---PAGE BREAK--- FHIC Analysis of Impediments 276 Final Report: 10/27/09 Table F.6 Do you see barriers or constraints to affirmatively furthering fair housing in your community? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie 1 0 1 2 Minneapolis 19 6 1 26 Minnetonka 0 1 0 1 Plymouth 5 8 2 15 St. Paul 10 5 3 18 Woodbury 2 10 1 13 Remainder of Counties Anoka 7 22 4 33 Carver 0 2 1 3 Dakota 8 4 3 15 Hennepin 40 22 6 68 Ramsey 5 8 9 22 Washington 7 7 6 20 Regional Total 104 95 37 236 Table F.7 Are there areas in your community that have fair housing problems? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie 0 0 2 2 Minneapolis 15 4 7 26 Minnetonka 0 1 0 1 Plymouth 2 7 6 15 St. Paul 6 2 10 18 Woodbury 1 9 3 13 Remainder of Counties Anoka 4 11 18 33 Carver 0 2 1 3 Dakota 3 3 9 15 Hennepin 33 18 17 68 Ramsey 6 3 13 22 Washington 4 4 12 20 Regional Total 74 64 98 236 ---PAGE BREAK--- FHIC Analysis of Impediments 277 Final Report: 10/27/09 Table F.8 If there are areas with fair housing problems, can you cite specific instances? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie 0 1 1 2 Minneapolis 8 9 5 22 Minnetonka 0 1 0 1 Plymouth 1 8 4 13 St. Paul 8 5 3 16 Woodbury 1 4 4 9 Remainder of Counties Anoka 3 14 12 29 Carver 0 3 0 3 Dakota 2 3 9 14 Hennepin 22 22 13 57 Ramsey 4 7 10 21 Washington 4 4 8 16 Regional Total 53 81 69 203 Table F.9 Has local government taken actions which adversely affected fair housing choice? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie . . . . Minneapolis 5 5 14 24 Minnetonka 0 1 0 1 Plymouth 1 8 2 11 St. Paul 4 2 9 15 Woodbury 2 5 1 8 Remainder of Counties Anoka 6 13 7 26 Carver 0 2 0 2 Dakota 1 4 7 12 Hennepin 12 25 22 59 Ramsey 3 7 9 19 Washington 1 8 9 18 Regional Total 35 80 80 195 ---PAGE BREAK--- FHIC Analysis of Impediments 278 Final Report: 10/27/09 Table F.10 Are there fair housing non-compliance issues with any public housing authorities? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie . . . . Minneapolis 1 14 9 24 Minnetonka 0 1 0 1 Plymouth 0 10 1 11 St. Paul 1 7 7 15 Woodbury 0 6 2 8 Remainder of Counties Anoka 1 18 7 26 Carver 0 2 0 2 Dakota 1 9 2 12 Hennepin 6 34 19 59 Ramsey 1 9 9 19 Washington 1 13 4 18 Regional Total 12 123 60 195 Table F.11 Are there codes or regulations that represent barriers to fair housing choice? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie . . . . Minneapolis 5 8 11 24 Minnetonka 0 1 0 1 Plymouth 1 9 1 11 St. Paul 1 7 7 15 Woodbury 1 4 3 8 Remainder of Counties Anoka 5 14 7 26 Carver 0 2 0 2 Dakota 1 5 6 12 Hennepin 12 24 23 59 Ramsey 3 7 9 19 Washington 2 13 3 18 Regional Total 31 94 70 195 ---PAGE BREAK--- FHIC Analysis of Impediments 279 Final Report: 10/27/09 Table F.12 Are there any public administrative policies that represent barriers to fair housing choice? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don't Know Total Cities Bloomington . . . . Eden Prairie . . . . Minneapolis 5 6 13 24 Minnetonka 0 1 0 1 Plymouth 1 8 2 11 St. Paul 3 4 8 15 Woodbury 0 6 2 8 Remainder of Counties Anoka 3 15 8 26 Carver 0 2 0 2 Dakota 1 5 6 12 Hennepin 9 25 25 59 Ramsey 0 6 13 19 Washington 1 12 5 18 Regional Total 23 90 82 195 Table F.13 Is there sufficient outreach and education regarding affirmatively furthering fair housing? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Too Little Just Right Too Much Total Cities Bloomington . . . . Eden Prairie . . . . Minneapolis 16 3 1 20 Minnetonka . . . . Plymouth 3 6 0 9 St. Paul 10 2 0 12 Woodbury 2 5 0 7 Remainder of Counties Anoka 12 7 0 19 Carver 1 1 0 2 Dakota 7 2 0 9 Hennepin 30 15 0 45 Ramsey 10 4 1 15 Washington 8 5 1 14 Regional Total 99 50 3 152 ---PAGE BREAK--- FHIC Analysis of Impediments 280 Final Report: 10/27/09 Table F.14 Are you aware of any fair housing testing in your community? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don’t Know Total Cities Bloomington . . . . Eden Prairie . . . . Minneapolis 6 12 2 20 Minnetonka . . . . Plymouth 0 8 1 9 St. Paul 3 7 2 12 Woodbury 2 4 1 7 Remainder of Counties Anoka 2 13 4 19 Carver 0 1 1 2 Dakota 2 7 0 9 Hennepin 8 24 13 45 Ramsey 1 12 2 15 Washington 2 9 3 14 Regional Total 26 97 29 152 Table F.15 Are you aware of a fair housing plan in your community? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don’t Know Total Cities Bloomington . . . . Eden Prairie . . . . Minneapolis 5 13 2 20 Minnetonka . . . . Plymouth 4 4 1 9 St. Paul 2 7 3 12 Woodbury 6 1 0 7 Remainder of Counties Anoka 6 7 6 19 Carver 2 0 0 2 Dakota 1 7 1 9 Hennepin 15 23 7 45 Ramsey 1 11 3 15 Washington 6 5 3 14 Regional Total 48 78 26 152 ---PAGE BREAK--- FHIC Analysis of Impediments 281 Final Report: 10/27/09 Table F.16 Do your fair housing laws need to be strengthened? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Entitlements Yes No Don’t Know Total Cities Bloomington . . . . Eden Prairie . . . . Minneapolis 8 5 7 20 Minnetonka . . . . Plymouth 1 7 1 9 St. Paul 5 1 6 12 Woodbury 1 3 3 7 Remainder of Counties Anoka 4 8 7 19 Carver 0 2 0 2 Dakota 2 2 5 9 Hennepin 15 13 17 45 Ramsey 4 3 8 15 Washington 2 7 5 14 Regional Total 42 51 59 152 ---PAGE BREAK--- FHIC Analysis of Impediments 282 Final Report: 10/27/09 Table F.17 Which classes of persons are protected by federal, state or local fair housing law? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Class Bloomington Eden Prairie Minneapolis Minnetonka Plymouth St. Paul Woodbury Anoka Carver Dakota Hennepin Ramsey Washington Total Renters . . 18 1 6 7 3 13 1 9 41 14 11 124 Homeowners . . 15 1 4 8 2 10 1 9 30 12 11 103 African Americans . . 22 1 11 12 7 23 1 11 50 17 13 168 Women . 1 21 1 11 12 5 16 1 8 43 15 12 146 Men . . 19 1 10 10 1 17 1 8 30 10 10 117 Low income persons . . 14 1 8 8 4 14 1 9 37 10 8 114 Single parents . . 18 . 8 9 2 17 1 8 38 12 10 123 Married persons . . 17 . 8 7 1 14 1 8 28 10 9 103 Children . . 19 . 7 8 4 18 1 7 39 9 7 119 Elderly persons . . 21 1 10 9 6 19 1 7 40 13 10 137 Homosexuals . . 20 1 9 10 6 20 1 8 36 16 10 137 Disabled persons . . 23 1 11 11 7 23 1 10 54 16 14 171 Section 8 voucher recipients . . 17 1 8 9 5 16 1 10 45 15 8 135 Unmarried persons . . 17 . 8 7 . 14 1 9 30 9 10 105 Transsexuals . . 18 1 9 9 5 19 1 8 32 11 11 124 Muslims . . 21 1 10 10 5 20 1 8 42 12 12 142 High income persons . . 12 . 3 6 . 9 1 6 18 6 5 66 Domestic partners . . 14 . 6 6 2 16 1 7 29 10 10 101 Total 0 1 326 12 147 158 65 298 18 150 662 217 181 2,235 ---PAGE BREAK--- FHIC Analysis of Impediments 283 Final Report: 10/27/09 Table F.18 Do you have concerns about fair housing in your community? If yes, please describe them below. Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey 1. Lack of access to decent housing for anyone with a criminal record or negative credit history. 2. I think there is still racial discrimination in many areas of the Twin Cities. 1)Bothers me that Realtors and their various loan officers 'may' not use much common sense in underwriting; though they are improving. I've seen several small bizz owners come in w/ variable mortgages and claim they had no idea the interest rate/payments could shoot up so high {makes me think that interest rate disclosure was not clearly disclosed.} 2)Seems like underwriting is getting far away from the old HUD rule that 33-35% of net income. 3)I know land/real estate costs are high; and therefore I'd like to see development of more land-trusts; and perhaps land-trusts where the land is owned by a foundation(s). I thought Lutheran Brotherhood & Gen. Mills did this a few decades back when they developed the brownstones south of the MW Bible College on Chicago? 4) I am concerned that houses owned by poorer people, especially in N Mpls, may be lured into using a CD to 'sell' their home or buy one; and terms may not be the best, nor are the buyers that closely scrutinized. a. There is significant racial segregation in housing patterns in the metro area. b. People with disabilities are denied equal housing opportunity because of a lack of housing that meets their needs and because others fail to make reasonable accommodations. c. People using public assistance are denied housing in 1/2 the complexes where they can, with vouchers afford to rent, and are thus relegated to places with poor conditions. d. The previous 10 years of reverse red-lining in the home loan industry has created a financial and community disaster that disproportionately affects people of color and immigrants as homeowners, renters and neighbors. Areas where African Americans, Asian Americans and Hispanic Americans live are "ground zero" for fraud and foreclosures. e. Women in the Twin Cities who rent have successfully prosecuted sexual harassment cases with a frequency exceeding any other metro area in the nation. This indicates ongoing problems. f. American Indians in the Twin Cities area were found to have encountered the highest frequency of discrimination in rentals in HUD's HDS 2000 study. Differential treatment in rental screening and loan marketing has been shown in local testing surveys. Anecdotal information and housing patterns show this is likely to be true in the sales market as well. g. HUD studies also show that there is a widespread lack of knowledge of fair housing law and low rate of reporting or complaints - something that is likely as true here as elsewhere in the nation. h. Developers of housing for people with disabilities (who are disproportionately people of color) and for the homeless (disproportionately people of color and women with children) face zoning, NIMBY and other problems and have had to engage in expensive litigation to move ahead. i. Zoning requirements, especially in the suburbs, limit multi-family and lower cost housing which typically serve protected-class persons. j. People of color, particularly African Americans with children Ability for folks who fall below certain income levels to afford rental properties outside of specific corridors. Affordable housing for families that are low income and are not on section 8. Affordable Housing has such strict eligibility criteria it is hard for most families to be excepted. Anoka, appears to be racist in their application to rent process and with accepting people of color who move out to Anoka and some grew up there whom were discriminated against. Concentration of public resources toward the creation and preservation of owner-occupied housing - at the expense of renters - creates public subsidy to those of higher incomes. Info on the Emerging Markets Homeowners Initiative shows that fewer people of color and other minority groups are homeowners, and therefore not taking advantage of this huge public subsidy. Concerned about if the people that need to be served are hearing about services and housing that may be available to them i.e. foreclosure services or affordable housing Concerned about the general perception that affordable housing poses negative impacts, fear of "those people", and lack of trust in housing providers Continual need for affordable housing for minority groups Discrimination based on race, ethnicity, criminal history. discrimination occurs even if all legal and practice barriers are removed, if we lack sufficient affordable housing, people are hurt; much of the affordable housing is inaccessible to persons with the very problems which cause them to need affordable housing - criminal issues, bad rental histories, odd behavior, etc. From complaints and information that I hear from the community who need housing that if the building owner or manager can get more money for parking spaces or rental units, individuals have seen their rental contracts voided or not renewed at the renewal time. This has happened to older residents who paid for parking spaces that are more convenient due to mobility issues but had their contracts dropped without notice of renewal and sold to other residents they feel can pay more for the space. I also heard of a young woman who was mentally handicapped but able to live on her own and hold a part-time job. She rented an apartment from the same facility but when her contract was ready to expire, her parents received a notice that this young woman had 60 days to move out as the apartment was being rented to someone else. My concern is that as the economy has soured, more and more of these folks will find themselves less able to retain their living arrangements due to affordability. But this is also a thinly veiled attempt by the building owners to ignore their commitment to fair and affordable housing. From my experience, people in the community don't know about fair housing standards; many are discriminated against without knowing about it, or they think they are, but since they don't know whether they are or not, they hesitate to do anything about it. homeownership by race is disparate white 90% owner 10% renter African American 61% owner 39% renter American Indian Alaskan native 76% owner 24% renter Asian 87% owner 13% renter native Hawaiian other pacific islander 79% owner 21% renter some other race 72% owner 28% renter two or more races 74% owner 26% renter Hispanic or Latino 78% owner 22% renter Housing appears to be pretty clearly separated along racial lines. I'm not sure if this is primarily for economic reasons. ---PAGE BREAK--- FHIC Analysis of Impediments 284 Final Report: 10/27/09 Housing with Services providers have difficulty understanding their roles as landlords. They are often trying to evict the tenant when the tenant needs more home care services than the license allows or they refuse to let them return from the hospital or nursing home following rehab. Additionally, they try to put limits on tenant rights, such as limit use of motorized wheelchairs, or right to privacy. I am concerned about the homeless people who cannot locate affordable housing. These people are in need of employment so that they might feed/house themselves and their families. There doesn't appear to be anything or anyone who can help them. I am concerned that banks are more likely to foreclose a property and evict the residents, rather than to reach a more equitable resolution that allows people to stay in their homes, renters to stay in the rental properties. Also, many immigrants will not contact housing authorities because of a perceived risk of ICE discovering them. I am European Caucasian and I see in the American Indian community the inability to fin affordable decent housing. Most of the landlords are slumlords and it is unbelievable in this day and age that such treatment exists. I am very concerned about the presence of illegal housing discrimination in Saint Paul based on race, disability, familial status, national origin, and other legally protected characteristics. I am also concerned that new multi-family housing is being built out of compliance with federal accessibility requirements. I am dismayed that Saint Paul is highly racially segregated, and I know that one of the major causes of racial segregation is illegal housing discrimination. I believe it is essential to healthy community I believe that Government involvement in this issue creates problems. The market would solve these problems on its own if left alone. I'm not an advocate for market manipulation by Governmental bodies. I believe that in our community that apartment renters are being affected by foreclosures due to the fact that many landlords have gone into foreclosure and some of the problems are being passed on to the tenants. I don't believe they are being enforced. I feel that the information needed for Fair Housing needs to be updated often, and easily obtained by consumers. I have concerns that some of the neighborhoods in Dakota County are particularly racially segregated, including neighborhoods in Eagan, Rosemount, and Apple Valley. I have seen many housing developments built in my community over the past few years that promised reservation or a percentage of their units to be affordable or available to low income families yet when they apply they do not qualify due to income restrictions of other reasons. I hear about people being profiled based on their accent and/or ability to talk on the phone or fill out an application. I live in north Minneapolis, in the Hawthorne neighborhood. Hawthorne has many older homes that were once large single-family homes but have now been spliced into duplexes and triplexes. One problem with this is that such buildings often have smaller or unconventional units as a result, and that dynamic makes it difficult to attract quality tenants. Also, the low cost of properties especially now, makes it easy for absentee landlords to purchase several houses at a time. Provisional rental licenses from the city allow these landlords to make minimal repairs and begin renting out substandard units before completion of all repairs. Finally, there has been a lack of positive mortgage lending activity in north Minneapolis that has contributed to these factors. I live in the North MPLS area and there seems to be a lack of city concern for the public health safety hazards in my part of the city. I don't advocate for any students to move to my neighborhood. I read about local housing discrimination lawsuits, receive info about housing discrimination complaints, NIMBY affect affordable hsg, and hear anecdotal info so I know discrimination is alive & well in our communities. I see the following as barriers to obtain fair housing: Unlawful Detainers (even 1 can keep you out of the rental market), lack of rental history, mental health issues without intense social services, long term homelessness without advocacy. I think my clients run into fair housing violations quite frequently; however when they ask for help, their situations are muddy and overlap with other issues, so they don't receive help I used to live in a suburb where there was way too much fair housing 1960s vintage plywood palaces that attracted lots of crime and police calls. The city twice got the money and backbone to tear down part of this, and the "fair housing" people came in at the 11th hour and cried discrimination and it was stopped. Now I see that some of it was torn down. Best thing that could have happened in that community. Concentrating too much low income housing in one place is no good. I work at a homeless shelter and am skeptical that there is such a thing as "fair housing." What is fair for homeless families who are searching for housing that is affordable for them? I'm concerned about the continued racial segregation in housing patterns that contribute to economic inequities. I'm not sure that people of color are shown all houses/ apartments available. immigrants, disabled with companion animals, non-low income families In a city the size of Minneapolis there are probably developers, sellers and landlords who continue to discriminate against protected classes hoping they won't complain. Many times the discrimination is subtle, hard to detect and enforce. In South and Southwest Minneapolis Incentives do not appear to be applicable to the working poor who struggle w/ accessing housing. Is it fair housing to give priority to the new arrivals for the newly constructed rental units than the low income citizens of our country? ---PAGE BREAK--- FHIC Analysis of Impediments 285 Final Report: 10/27/09 It is subtle but there. Tenants with children (especially teenagers and especially if they are African American boys) have difficulty obtaining rental housing. Large families have difficulty nobody wants a large family in the neighborhood. It seems people of color within apartment complexes get targeted more via police calls. I live in a town home community, next to an apartment complex, and there was regular communication in our community newspaper and town home communication regarding the complex as more people of color moved into the community. It ended up being a landlord issue, but the people of color took the brunt of it for a long time. I think more needs to be done to address lazy landlords who don't care about their property, tenants, or the communities where their rental units reside. lack of affordable housing options Lack of reasonable accommodations; landlords aren't aware of requirements. Landlords trying to charge more when they find out someone has a voucher. Language Barriers, advertising, education and cultural differences that impact qualification, application and underwriting. Low income renters frequently face discrimination in seeking to rent an apartment, in the terms and conditions of rental, and in being evicted from rental housing. It also appears that both low and moderate home buyers of color are treated less favorably by lenders and are more often victims of predatory lending. Many landlords are not aware of their duty to offer reasonable accommodation, especially if a tenant has mental health behavioral problems moderate income buyers looking for homes in Plymouth still struggle with affordability issues. Recent reductions in home prices help but lending standards make it more difficult to secure financing. Lack of funds for down payment is a major hurdle since a minimum of 3-5% down payment is needed NIMBY for supportive housing and housing for persons with disabilities. Public pressure influences elected officials Not all companies follow fair lending laws. Not all segments of the population are served. Not available to enough people Not enough awareness of laws; not enough enforcement Not enough low/moderate income housing in suburbs - - I believe its a racism/oppression issue. Not sure how we need to follow fair housing rules if we want to designate units for a special group, like local firefighters, so they can live in the community and get to fires. Nursing home won't take people with dementia related behaviors Assisted living restrict admission due to disabilities People in the market today trying to buy foreclosed properties are held hostage by the selling institutions. They make potential borrowers meet with a lender of their choice. They drag their feet on accepting offers, they do not want to turn on utilities for inspection and appraisal. People on limited income can't find housing and people with children get turned down on housing. Persons being screened out of rental housing because of behaviors that resulted from being disabled. property values are to high for fair housing in our city and also our minimum lot size right now is 2 1/5 acres. An expensive 2 1/2 acres. Racial discrimination. Tenants in foreclosed buildings Racial steering and people of color living in segregated communities because of the lack of affordable housing. Sexual harassment in housing. Discrimination in senior housing, e.g. "independent living" requirements and assisted living facilities and nursing homes refusing to admit or evicting people because they "can't meet their needs." Also, restrictions on wheelchair use and other discriminatory acts in senior housing. Lack of understanding of reasonable accommodations and modifications. Unduly restrictive occupancy requirements. Landlords' refusal to accept Section 8. Racism, discriminating against black men. I work primarily with men, so that is my experience. Rental practices focusing on a ratio of income to rent as test for ability to pay rent discriminate against recipients of section 8, some landlords continue to violate fair housing laws. Most egregious and not addressed are lending patterns for home loans. Persons living in predominantly minority communities obtain less favorable interest rates. shortage of affordable housing SINGLE seniors don't seem to qualify for any help with low-income housing needs. If they aren't destitute or have a family, there is no program to help. Some housing programs are specific for a particular ethnic group, single parent households or one sex only. These appear to violate civil rights laws, but the county and others continue to fund these projects without reprimanding the providers. Some landlords do not want to work with low-income clients that are coming from shelter. I have heard some say they do not want too many children, especially male teenagers. Some of the minority borrowers with whom I deal with seem to be turned down unfairly by the MI companies. some suburban communities still have problems with low income families of color living in their neighborhoods. Kids have problems in school, on school buses, etc. Stringent restrictions on access to public housing for persons with felony records even with the felony having been years ago. Sub-standard housing available to low income people within Phillips Community New housing development in Phillips Community not available to low income people and/or very hard to obtain ---PAGE BREAK--- FHIC Analysis of Impediments 286 Final Report: 10/27/09 Tenants have indicated it is more difficult to find housing in their community of choice, because the rental market is getting tighter Some tenants have reported issues with particular property managers, whom have something against Section 8 tenants (whom appear to also be people of color). That families can get decent housing. That single fathers be allowed to get housing that are taking care of their children. Single mothers with children seem to get housing easier than a father. The ability for people from diverse communities to understand their rights The American Indian population seems to fly beneath the radar when it comes to housing. I see African immigrant communities being housed with Sec. 8 vouchers very rapidly, whereas my native clients wait 5 years just to get on the Sec. 8 waiting list. Housing is a human right. All communities should have the same access to government funded vouchers, grant programs, etc. The City of Plymouth recently asked for my rent roll and for me to point out which residents were not capable of self preservation. They are telling my company that we cannot rent to these people. I believe that this is against Fair Housing mandates. By law, I cannot ask people about their disability. The facilities that are being built are too large and too expensive. Housing needs to be available but not at any costs to society. The number of sec 8 vouchers in Washington county is less than a quarter than the population. The population of the city is rapidly changing and becoming more diverse. My concern is that city planning activities and in particular, the Comprehensive Plan, take into account fair housing goals. Specifically, investment in transportation, commercial development, schools, employment, health clinics and other infrastructure must consider the changing needs of our increasingly diverse resident population. the practices of some landlords who use tactics that discriminate on the basis of domestic violence victims There are a lot of people homeless and at the same time more houses are under foreclosure. Laws need to be changed to adapt to economic situations. There are many examples of Senior and Disabled Housing Discrimination. Nursing Homes and other providers discriminate on payer source (Medicare v Medicaid). There are also failures to make reasonable accommodations before evicting individuals with severe disabilities or mental issues such as Alzheimer’s and dementia There are also providers that accept individuals for which they are unable to provide proper care and supervision. Leaving many without housing options There are not enough housing programs. The shelters are full. Ramsey Co. has only one shelter and one overflow site. With the growing number of families losing jobs and landlord losing their building some families are sleeping in homes that is boarded up. There continues to be dislike for and a prejudice against rental housing, regardless of the fact that most people have rented early in their lives and may likely rent as they enter their senior years. There is a lack of housing choices - no multi family options There is an increase in multi-cultural households in the community and there are many times where renters within a multi-family building make comments such as: don’t' let "those people" cook certain foods or with spices that make the hallways smell. Handling these situations in a way that doesn't violate fair housing laws can be challenging. How can we educate the broad community about fair housing? Too many new affordable housing opportunities are developed in areas of concentration/impaction of race and low income! We have to have CNA's come here from Minneapolis because no one can afford to live closer. We have one aid that does live in Woodbury. She's a single mother and with her boyfriend's job they struggle paying $1,600. a month in rent for a town house. I pay less than that on my $400,000 home. My son goes to college and works for $10.00 an hour. Where could he possibly rent? We hear on occasion from persons that they feel they have been treated unfairly or in a discriminatory manner by landlords. We refers these as appropriate. We live in a NIMBY world We still have Realtors who steer to neighborhoods, we still have landlords who won't rent. More important Mortgage Insurance companies spent the last year ensuring people could not buy in any neighborhood We use to go through the ads in the paper and send letters to those who were advertising items that were against the law. Do you attend local landlord meetings and let them know what the laws are? We work with primarily people of color, and there is still a lot of discrimination when it comes to housing in our community. Whether an apartment complex can decide if it is going to accept Section 8 vouchers as opposed to mandatory acceptance. Yes - discrimination based on a persons condition changing and being labeled a behavior - marketing for senior care yet will not provide level of care Yes, but not in the community development arena where we work. More at the for-profit industry level. Institutional racism plays itself out in many ways in Minneapolis. Yes, there are still significant abuses going on in the private market; and yet there are also situations where affordable housing providers are "hamstrung" with individual tenants who are aided sometimes to play out false claims of housing discrimination at expense of a good faith housing providers. ---PAGE BREAK--- FHIC Analysis of Impediments 287 Final Report: 10/27/09 Table F.19 Do you see barriers or constraints to affirmatively furthering fair housing in your community? If yes, please describe the barriers or constraints below. Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey #1 Those with mental health issues, trying to live on their own with the mental illness and no medication or assistance with living other than social service programs. The state needs to get involved more with this issue, especially with veterans and long term mentally ill. #2 I would want to know, in all counties addressed herein, how many people of color applied for a certain apartment in a certain area and the rental rate for that apartment or area to people of color, 1. Cost. Government funding is tighter than it has ever been. 2. Education. Many people do not know their rights. 1) Wages don't support costs of housing especially in urban areas {this relates to lower education abilities and the absence of lower skilled jobs} 2) I'm leery that the larger banks (Wells, US Bank, perhaps M&I) are not making so many lower income mortgages to meet their CRA requirements; and perhaps are using their funds in credit cards (or perhaps grants) as evidence to meet CRA? 3)I ponder if more work-force housing (and company or foundation owned apartments) can be developed? 4)Somehow I sense that the pride of home ownership is not as high in some older ethnic groups as it is with some of the new immigrants; and therefore is more education both IN high school and via Cities/Counties programs might help people better understand the responsibility, pride and tax benefits of ownership. 5) Could more duplex be developed? 6)Seems to me that more investor tax credits {perhaps modeled after the New Market Tax Credits) be created to incant rehabilitation of older multi-tenant apts - with perhaps a lower tax credit when one builds newer multi-unit apartments. 7) Another concern, I'd like to see the State require higher building/ utility standards L: insulation, lower water usage, and roofs that reflect more heat in summer - and require all exterior walls have insulation. Related to this, could cities/towns invest more into wind (or wave) energy perhaps in partnership with Excel (Great Rivers etc) to hasten the use of clean alternative energy that will make homeowner's utility costs lower. a lack of financial education amongst many people of low/moderate income. Actually, no because housing at any cost has no barriers in our community. Affordable workforce housing is frequently not available in suburban metropolitan communities where potential job opportunities for low income persons of color exist. Again selling banks are unwilling to make property repairs that will allow borrowers to use affordable home loan products. Again, my clients situations are not clear cut. What seems like a violation of fair housing to me, an advocate, is muddied by other issues that my clients face and no one will help them age, race, income Amount that it cost. As a child NE barred minorities from living there, but now Anoka, Coon Rapids, and Fridley all seem to reject applications of minorities who want to live out there. Assisted living providers and nursing don't know they need to follow fair housing, Need training given to housing and healthcare providers. At least one city that has had a difficult time adjusting to affordable housing development (and may be related to race issue) Better education of the consumer as to the changes the mortgage industry is going through, ie credit score requirements Cost cost. We need a lot and it is expensive. HUD rules that exclude certain groups (see above). Discrimination against people based on race, gender, family status, and immigration status. Discrimination against people with section 8 vouchers. Families having multiple unlawful detainers, old felonies still counting on criminal record and no rental history or bad rental history. Funding is a significant barrier. Families do not have the resources to purchase, rent or otherwise live in some areas of the city General knowledge about what is legal and illegal. Getting the development community to change their patterns of development. Getting the information to new rental owners, especially those currently buying foreclosed houses with the intent to rent them until the market recovers. home mortgage loan interest rates that are higher in minority n'hoods are a significant barrier. Other barriers are local jurisdictions that give lip service to affirmatively furthering fair housing, but do not do enough to actually further it. NIMBY continues to be a significant barrier to development and sitting of affordable housing. How do landlords read the requirements for licensing? This may be a barrier. I don't know if "fair housing" is marketable to those who own or rent the housing. It seems to be a good idea in practice, but is it of enough benefit to those housing providers that they feel they should follow the rules? I don't think people really want to see the problem, so it's very hard to change it. I feel that the amount of low income housing to purchase could be better I suppose it is person by person or apartment complex by apartment complex issue, not an overall issue. I think some "skin in the game" is fair. 3% or 3.5% down is also fair. Where I see some difficulty is that there is a case of a significant other who will contribute to household income but has had issues with credit in the past. We are not able to use put the other income on the application. Maybe a higher down payment requirement for these less creditworthy co borrowers would increase the lenders comfort with this loan. I think the biggest areas are: hidden racism, and also a great deal of "not in my back yard" belief. We have tried to site affordable housing in the past and ran up against a great deal of misconception about poor people and people of color. ---PAGE BREAK--- FHIC Analysis of Impediments 288 Final Report: 10/27/09 I think the housing crisis has exacerbated housing discrimination. So many more immigrant families, low-income families and families of color have lost housing opportunities and are struggling in finding decent and safe housing. They probably have less housing and are paying more for it. I'm not sure; it's not a main issue of concern for me right now. If one does not have the money to get in a place they will not be able to rent. lack of affordable housing constrains people's ability to use it, and makes it harder to accomplish it. Lack of awareness in general public and denial by decision-makers. Lack of funding for affordable housing production at state and local level, overly complicated federal funding Lack of information for those seeking housing. Lack of knowledge of fair housing standards. Lack of leadership to see a vision other than just single family housing lack of proper regulatory oversight, too easy to get a license, too expensive with lack of proper funding sources to retain seniors living in their communities Lack of public will to recognize problems exist. Lack of understanding of the need and the purpose, opportunity for financial gain, and uninformed/uneducated building owners. Landlords refuse to rent to American Indian people. Language barrier, Russian, specifically. local elected officials, bias against families, lack of non English speaking people in the housing profession Making sure that materials and information are language specific. More section 8 vouchers available and through the Bridges program have more locations added to the sites that are already in place. Negative attitudes about affordable house. New housing/apartment originally developed for native population and recognized as native housing being utilized by non-native populations NIMBY for supportive housing and housing for persons with disabilities. Public pressure influences elected officials NIMBYism and "avoiding concentrations of poverty" impact the creation and preservation of housing that for populations served by fair housing. Not enough awareness of laws Not in my back yard attitude. Only if the City of Plymouth continues this argument regarding who I can rent to. Others resistance to allowing more development (reducing stereotype issues. People are losing their homes and there doesn't appear to be an advocate for them. We live in America, we should not have squatters or homeless people! Racial steering and people of color living in segregated communities because of the lack of affordable housing. Sexual harassment in housing. Discrimination in senior housing, e.g. "independent living" requirements and assisted living facilities and nursing homes refusing to admit or evicting people because they "can't meet their needs." Also, restrictions on wheelchair use and other discriminatory acts in senior housing. Lack of understanding of reasonable accommodations and modifications. Unduly restrictive occupancy requirements. Landlords' refusal to accept Section 8. Racism, old habits Rampant NIMBYism makes it difficult to locate affordable housing developments. regulatory requirements drive up costs; poverty limits choice Rent is too high for people not in a higher company position and education. I see families struggle. resistance to higher density units, elevated land prices, high property tax rate See *6 - there is a strong desire in this community to have affordable housing designated for local firefighters, which is against fair housing laws. See #6 above; esp. plus a. Failure to acknowledge and follow through on the obligation of both the public sector (and private sector that has public sector support) to ensure integration of housing in the metro area ? this in addition to eliminating overt housing discrimination. The neglect of this duty is too often accompanied by the view that ?its an economic problem ? integration is too hard because ?people of color are poor? or ?disabled people have no savings.? Affirmative steps are, in part, ones that move beyond overt discrimination to address structural reasons for segregation and lack of equal housing opportunity. Some public officials and agencies do take steps to address this, but we lack a comprehensive and deep commitment to "AFFH" by the jurisdictions that assume this set of duties. b. Insufficient resources provided for fair housing education of consumers, providers and persons working in the housing field. This is particularly challenging for persons with disabilities and people with limited English capacity. c. Insufficient resources provided to effective public and non-profit fair housing enforcement agencies. d. Public fair housing enforcement agencies that, for whatever reasons, fail to get complaints about, detect and prosecute fair housing violations. e. Please review the 2001 Analysis of Impediments to Fair Housing and obtain an assessment of steps taken to address those. There are good things that have been done but much still remains to be accomplished. f. There remain deep-rooted prejudices in our communities that are often not acknowledged but easily-activated. g. Housing providers often do not want to make any expenditure of effort to reasonably accommodate persons with disabilities for fear of possible impact on their bottom line. Segregated housing based on race and income; predatory lending and rising foreclosures; ongoing illegal housing discrimination. Some barriers are homeless families are judge because they are homeless. I work with homeless families, single male/female. Some people feel they are stuck as it is so costly to move Tenants in housing with services setting do not know their rights. Even when they do know them, they more often than not need legal services to enforce them. Not enough legal services available. ---PAGE BREAK--- FHIC Analysis of Impediments 289 Final Report: 10/27/09 The "politically correct" projects appear to feel they are above affirmatively further fair housing by continuing to violate the civil rights laws of the state or federal government. the acute lack of affordable housing makes it difficult if not impossible for low income families (even if the have a subsidy) to secure rental housing. Landlords understandably prefer to rent to applicants with better credit/rental history. Too often our clients risk losing their window of subsidy eligibility because they cannot find a landlord that is willing to take a Section 8 or other rental subsidies The ADA standards for service animals is difficult to understand. We are very afraid to talk to anyone who has a dog in a no pet building in fear of having a complaint filed against us. Attorneys have told us to allow these animals to avoid conflict. I see too many people taking advantage of the situation and it is not fair to the remaining residents The advent of the internet adds complexity to the ways people access housing The changes in mortgage banking regulations impact the poor and minority communities more than other communities. This may be inevitable; but the reality is; they do. For instance, FHA's regulation now requiring 3.5% down is difficult for many people of low to moderate income to comply with, so they just stay renters. The Dakota County CDA's Section 8 does not follow its LEP policy. Many of its staff are not properly trained in the existence and contents of the agency's LEP policy. Additionally, I am concerned that the CDA disproportionately terminates people of color and especially Somalis from its Section 8 program. The expense of complying with all of the various federal, state, county and city requirements, permits and fees. This adds significantly to the cost of housing and therefore the ability to provide housing to many in society. The great work that has been done to ensure renters rights in foreclosure situations doesn't address the financial constraints that frequently prevent renters from keeping utilities on. The lots need to be smaller and watered and sewered. Right now everything is private. the reluctance of leadership to meaningfully address the need for affordability in new projects. this stems, I believe, from the belief that affordable housing serves an undesirable and troublesome population, which touches on the issue of fair housing in my mind. The rental communities are using the "Crime Free Drug Free" addendums. It is common for a landlord to looks at the screening report, see something on the criminal report and not look any further. Even if a case is dismissed it shows up and it automatically flags a person as a problem. Much of the information that is now available is not a fair representation of the person applying for a unit but the landlords are using it to deny a tenant. The unfair practices are not always obvious There are zoning barriers for special needs housing, including for those with mental or physical disabilities and people with legal/cultural issues (ex-convicts, half-way houses, alcohol or drug treatment residential facilities. To many requirements and to complicated Too Restrictive Unemployment is a temporary condition and should not be the basis for people to lose housing opportunity. Where neighborhood groups believe they exercise absolute control over land use, exclusionary policies and practices are common. work in senior housing apartments. Often other tenants, families, emergency personnel, medical personnel feel it is allowed and OK for management to screen people for medical issues or mental capacity issues and deny housing based on this. Yes, but I am unsure how to answer that question in a way that deviates from the points made in the previous comment section. ---PAGE BREAK--- FHIC Analysis of Impediments 290 Final Report: 10/27/09 Table F.20 Are there areas in your community that have fair housing problems? If yes, please cite the areas. Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey 55411 (zip code) All All areas in community all over the County An owner-occupant landlord who rented to me at 2218 Lyndale Ave N said to me as I was moving out that he rented to me "because you're white." He'd had negative experiences with African-American tenants and now viewed people with black skin as more problematic tenants than whites. Anoka, Coon Rapids, and Fridley. Apartments As above! Assisted living - Housing With Services, Adult Foster Care Homes, Board and Care, Senior apartment buildings with tenants whom receive in- home service Besides some of the more affluent and white neighborhoods of Minneapolis, I think immigrant families, low-income families and families of color have lost ground in their housing opportunities in many areas of the city and especially in the high foreclosure areas. cities and neighborhoods, both central city & suburbs, that feel they already have enough affordable housing (those people) and in areas where new develop is proposed. Columbia Heights and Fridley. Several landlords are new Americans and operate under rules from their home country. Cottage Grove, St Paul Park Discrimination in rental housing exists throughout the Twin Cities metropolitan area. Potential home buyer lending discrimination appears to be more prevalent in segregated low-income communities in St. Paul and Minneapolis. Established neighborhoods have shown neighborhood opposition to low income and racially diverse and immigrant families moving in. Forest Lake with regard to development of affordable housing Hennepin county nursing homes Hennepin county Assisted Living facilities Housing with services/assisted living settings. PCA agencies who sublet apartments to their clients or place them in other rental properties or properties owned by the agency. I am aware of problems in Minneapolis. I believe all areas of St Paul are missing the Fair housing arena. I believe that illegal discrimination in the housing market is a community-wide problem. I do not understand the question. Areas = markets, neighborhoods, classes of people? I have heard that Brooklyn Park and Brooklyn center have been especially affected by significant reductions in real estate values. I suspect much of Minneapolis Wards 3,5, and parts of 6, and 9. I think the whole community has problems really seeing what fair housing really is for the normal family. I would say around the City of Maple Plain would be a great place - they have water and sewer provided by the their City. inner city-- less favorable terms and conditions on mortgage loans. Metro wide, not enough low income housing developed and marketed to minority communities. It is difficult to operate truly inclusionary housing in wealthier parts of the community; this is not always due to an intention to violate fair housing, but driven by economics. lack of knowledge regarding fair housing; people don't know about fair housing Many places, especially units with low-income residents. Minnetonka, St Louis park, Plymouth, Eden prairie, Moderate and higher income areas of the city. Most neighborhoods do not support affordable housing No problem with fair housing, but there is a perception that people that are in need of assistance or of color are somehow not going to be a productive part of the neighborhood/community as a whole. North and South north and south sides North, northeast, south and southeast Minneapolis Nursing Homes, Assisted Living Situations, Board and Lodging and other group homes Often with landlords that are originally from another country- immigrants who have become landlords. This is true throughout the county. People seem segregated by race. ---PAGE BREAK--- FHIC Analysis of Impediments 291 Final Report: 10/27/09 Portland Avenue corridor, is a magnet for drug related activities, and therefore housing/rental costs decrease. These areas are then the primary location for individuals moving from homelessness to housing. Probably areas where neighbors feel that there is already a concentration of poverty. Rental companies and private landlords don't always know their obligations under the law See question 6. St. Paul, any declining market The apartment complex mentioned above has found resolution with their problems. The area that needs the most work is just creating better awareness within the general public of the fact that not only are there fair housing laws to protect them but we have programs and initiatives to increase homeownership that may be of benefit to them. The concerns above are not site specific the entire SW area of the City of Minneapolis struggles with the issues above The rental screening reports are being used as basis to accept or deny a tenant without the landlord looking at the total person and their situation. The whole county based on economics, zoning and distribution of opportunities. there is a general insufficiency of affordable housing. Coupled with public transportation gaps, this places an unequal burden on people of low income, who are disproportionately persons of color, new immigrants, and disabled. Persons who are marginally or temporarily disabled, but not on SSI, are really gapped. throughout Throughout Minneapolis. It's subtle - from communities saying they already have enough affordable housing to policy-makers stating that low- income households are unable to be successful homeowners to lenders just not making loans to folks, but using some criteria over generously. Throughout the county - just a general lack of compliance, not always intentional Unfortunately, these areas are in the Ramsey County portion of our City. The shortcoming of this survey is that I cannot fully describe the housing issues of our community because we are in both Hennepin and Ramsey counties. Most of our population are located in the Hennepin County portion of the City but much of the information or complaints are from the Ramsey County area of St. Anthony. Victims of DV Ward 3 for exclusion, Ward 1 and 7 for substandard housing. We have several upscale neighborhoods who have donated land on the outlots of the development. This just doesn't allow the integration of housing within the community we just deal with them Wescott in Eagan, around 145th Street and Dodd in Rosemount, around the manufactured home parks in Apple Valley. West side of Bloomington West St. Paul While I am not familiar enough with the issues to identify areas, I can say that South Minneapolis, like other areas was resistant to the development of supportive housing units. Within the Phillips Community the Somalie population has taken over many affordable unit/apartment, MPH units and other various low income housing originally designed for the native population ---PAGE BREAK--- FHIC Analysis of Impediments 292 Final Report: 10/27/09 Table F.21 If there are areas with fair housing problems, what do you think causes these problems? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey absent landlords, funding Abusive real estate practices that got the customers into homes with inflated values. bias City officials who do not know Fair Housing laws! Concentrations of low-income housing and bad attitudes in the community about low-income people. Credit & cash to close Cultural bias against those less fortunate Developers, sellers and landlords having another opportunity to take advantage of and profit from these disadvantaged groups of people. discrimination Disinterest from the community level. Failure to place the individuals in the right facility I am not aware of fair housing issues in Robbinsdale. It is a relatively diverse community (compared to MN). However, there may be issues that I am simply not aware of. I think economic reasons is one major cause, I am not sure what the other causes are likely to be. I think the biggest contributor to problem tenants in my neighborhood is the cycle of low property values combined with difficulty for owners and landlords to get good mortgage products, thus making absentee landlords with their own capital to invest as the primary entities purchasing properties. Ignorance - misperceptions, and values that are not rooted in the belief that we all benefit when our community is strong and responsive to the needs of its members. Ignorance of the law, non-compliance with the law, steering, predatory lending, inequalities in income across racial lines, confusing process for filing complaints with state and federal government, lack of funding for adequate fair housing enforcement. Ignorance, fear, racism Ignorance, Lumping one incident/experience with all Ignorance, racism, lack of conversation about race issues. Ignorant of housing issues - particularly of 'single family' settings for consumers who are capable of managing a household. Income restraints are too low and housing is too high inept asset management skills and/or ignorance It is credit access problem Lack of a single, key message focused effort Hard to gain attention when unemployment is top concern lack of education about rights lack of supports to enforce rights Lack of education supplied to the residences. advertise the Help links and phone number's a way to reach the different walks of life for housing, information for the homeless, section 8, scattered housing understand all the options. The information should be addressed for the different levels of consumer's understanding... advocates in the housing fields. Not all low income people have social workers to guide them through the system. Lack of information, unwillingness to make accommodations, lack of funds to make accommodations. Lack of knowledge Lack of knowledge on the part of renters in knowing their rights - seeking out the information they need. Lack of knowledge, lack of enforcement, lack of money lack of proper regulation, transparency of ownership, and accountability Lack of understanding about why community is segregated. lack of understanding and ignorance Lack of understanding of laws or refusal to comply with them because of discriminatory attitudes. Lack of understanding of what fair housing means besides the lack of serious consequences Landlord judge people because of one problem that they may have had with another person. Landlords issues with people they've had in the past that have caused problems so they're unwilling to work with certain groups of people Landlords who don't know or don't care to connect to the communities where their rentals are located. Misperceptions from community members. Race issues, language issues, play a part sometimes. Language and thorough understanding by tenants and landlords of specific rights Lax enforcement of existing laws. Lack of resources and information about the existing resources that are available to help people fight against unscrupulous landlords. Also FEAR. Nothing is worse than a U/D and they are pretty easy for a landlord to obtain. ---PAGE BREAK--- FHIC Analysis of Impediments 293 Final Report: 10/27/09 Leadership in the community not wanting a variety of housing types misconceptions about affordable and supportive housing Misinformation. Lack of understanding. People taking advice from the wrong people. Misinterpretation of rules... Money as an exclusionary factor NIMBY and BANANA-ism NA Neighborhoods that secretly discriminate. NIMBY local voters complain and local council members respond. not being able to make our lots smaller - Met Council keeps our hands tied out here - where there is development in all cities around us and they all have haves one sort of City infrastructure Not sure One possible cause appears to be insufficient resources to investigate complaints and enforce the rights of persons subjected to discrimination. people using the laws for purposes not intended Possibly discrimination prejudice and misunderstanding Price and the ability to verify steady source of income Primarily, the economy and secondarily, the lack of enforcement of the regulations, education about the need and honest commitment to providing fair housing to everyone. property management company changes staff so often, strict guidelines. Racism racism and classism racism, cultural barriers, language, income disparity Resistance to accommodating individuals with mental health issues. See # 7, and absentee (slum) landlords. I'd like to see the City have more inspectors to site problems. See #7 and my q. about the meaning of q see above See above- they are unaware of the housing act or what discrimination is. They think they can do what ever they want. see question 7 state/city government allowing two separate cultures native & Somali to struggle for housing within a small geographical area causing conflict resulting in confrontation between the to cultures stereotyping non-white, low-income people. stereotyping, racism, classism The people in charge of reselling foreclosed properties. The way that Minneapolis is so segregated with regards to housing, apartments, neighborhoods There appears to be lots of NIMBYism for developing affordable housing There isn't enough housing or resources available to everyone. Those with political power argue case-by-case, rather than the whole group. Each individual case is decided in favor of the wealthy, so while the system in theory allows fair housing creation and preservation, this doesn't end up happening in practice. Too many people in my financial bracket or higher that have never lived with a population that works paycheck to paycheck. Biases against people that do so. Room to build and cost of land is ridiculous. An employee is a first time want to be home owner. She cannot buy because they want her to have 10% down. How is that help? Undue concentration of units. uninformed, opinionated individuals and prejudice on different levels unknown Victims don't know their rights, landlords are either ignorant or they prey on the victim's ignorance and kick them out of housing Zoning and economics ---PAGE BREAK--- FHIC Analysis of Impediments 294 Final Report: 10/27/09 Table F.22 If there are areas with fair housing problems, can you cite specific instances? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Already did so in a previous comment. An apartment manager told us to our face that she wouldn't rent to us because of my husband's immigration status. Because St. Paul is a declining market credit is tight and appraisal often derail purchase agreements City of St. Paul has large number of low income population that gets hard hit with unemployment. Fair housing may help reduce homelessness. clients get kicked out of housing b/c the police are called too often communities don't want to build rentals for families, most housing is not wheelchair accessible regardless of price, or rental/sale, little understanding of the housing needs. housing culture of immigrant communities. Como Park and Shalom Home redevelopment Discrimination against vulnerable and infirmed Elder housing & MPH units being completely taken over by the Somali population within Phillips Community to the extent that native population only recourse is Little Earth Community housing. failure to provide reasonable accommodation; lack of respect for low income folks; lack of respect for people of color and their culture Forest Lake and local developer--there was a pending lawsuit against Forest Lake. I would be interested to know more about what the FHIC has to address the recommendations of the AI regarding issues related to race. Having eligibility criteria and then not following it. Hundreds of complaints of potential discrimination on the basis of race, national origin, disability, familial status, and status with respect to receipt of public assistance in housing are investigated by legal services organizations serving the metropolitan area each year. I could describe many instances in my job for each of the examples given above. For example, I have worked with people who were threatened with eviction from assisted living facilities or regular apartment buildings because they became "too disabled." I have worked with many people who were sexually harassed in housing, refused housing because they have Section 8, threatened with eviction because of restrictive occupancy requirements, etc. I think it's evident based on the segregated nature of housing patterns in Saint Paul. If you live in a poor area of Minneapolis you may be rented too. Increased number of unrelated people in rental units in North Minneapolis. Increased number of code violations in rental units through out Minneapolis high percent of rental unit neighborhoods. It takes a very long time for clients to be contacted by management regarding if they have been excepted and if they have it has taken almost a month if not longer for family to move in due to lack of organization on managements part. Just look around at the homeless people...look at the banks who are unwilling to work with people. This is an absolute travesty! Landlords change the locks on apartments when rent is not paid, locking the tenant out. Raising rent in the middle of a lease period because their cost increased. Landlords making comments about people on welfare and their hesitancy to rent to them because of this. I have also heard not wanting to rent to large families or teenagers. neighborhoods expressing concerns quite loudly that they don't want anyone in the neighborhood that doesn't fit their mold. people needing assistance are targeted as problems before anything might have even happened Neighborhoods that have attempted to exclude affordable housing (Whittier, Venture Village) No accommodations and harassment of those w/ multiple chemical sensitivity. No senior housing available Police call rate is higher in some of the fair housing locations No specific area with problems, problems in general. PHA does a fairly good job with accommodation issue-at least knowing they have to deal with them. not ready to invest the time Over the years I started as homeless, then onto the Bridges program, and now on section 8. I never felt like I understood what was happening. Decisions were made for me, and locations that I lived were appointed. I do understand that with certain circumstances decisions need to be made for clients, with that needs to make sure the information is given in the form Best suited for the individual. Concerns come forth of residents don't convey to the management because they don't feel heard. How many people do you know that go to the RAB, Residential Advisory Boards that are This is a Great source for the Residents! Person being discharged from hospital and no NH home or Assisted living will take because of behaviors associated with dementia or mental illness. This happens at least once every week in Hennepin county Selling company refuses to turn the water on. Seller states property is as is, borrowers loan hinges on inspection and possible repairs. Assistance programs are contingent to property being a foreclosure property. Some landlords thinks because families are in shelter, they are bad people. This is not always true. It is not fair to say all people are bad people. ---PAGE BREAK--- FHIC Analysis of Impediments 295 Final Report: 10/27/09 the "newer" areas of the county, e.g. apple valley, lakeville, have generally less affordable housing, but also less informal or "small" rental housing. Large corporate rental operations abide by the letter of the law well, but also are more likely to exclude the persons noted above, who have had infractions allowing the landlord to rule them out. In older areas of the county where there are more small arrangements - e.g. owner- occupied duplexes - people with rental history problems are more likely to find a place "outside the rules," but there are few such opportunities in Dakota County. The recent torpedoing (is that a word?) of the RS Eden exploration of reusing Shalom Home. The City of Saint Paul targeting the vast majority of NSP resources to support homeownership only. Unfortunately, we do not track those instances. in our client data base Our advocates would have antidotal stories We have landlords fax applications and then deny clients once they see their minorities and even Anoka County welfare has voices complaints about moving minorities from Hennepin County to Anoka even if the clients have came from Anoka County initially. We tried to develop a 6 to 8 unit low-income public housing town home development in Longfellow neighborhood there was significant opposition would be the same as above. Back about 10 years ago one of our residents who own property in our City and also across the City border into Maple Plain came to both cities to see if we would-be interested in Senior Housing on their properties. Independence was ready to spade the dirt, but the Council in Maple Plain at that time, didn't want anything to do with us. That is different now, however; the male resident has since died and the female is in a nursing home and their daughter and her husband own it. Not sure if they would be willing to do that now? Zoning fights over types of housing and projects that cater to specific religions, sexes, cultures, or marital status, ---PAGE BREAK--- FHIC Analysis of Impediments 296 Final Report: 10/27/09 Table F.23 If a person came to you alleging that they were a victim of a fair housing violation, where would you refer them to go? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Refer Other Obs Legal Aid 13 HUD 11 Attorney General 4 legal aid 3 Commerce Department 2 don't know 2 Housing Discrimination Law Project 2 hud 2 HUD, Legal Aid 2 Legal Aid Society of Minneapolis 2 1-[PHONE REDACTED] 1 a lawyer 1 A lawyer to get a free analysis on the situation or to the city to ask questions. 1 a non profit agency in Minneapolis or St Paul 1 A: for low income, elderly and disabled people: legal services offices , then see B. B: For others there are a few private lawyers who take cases on a contingency fee basis. I will also refer to HUD OFHEO and the MN Dept. of Human Rights. 1 Acorn 1 ACORN 1 AG's office 1 An attorney 1 an attorney, or legal aid 1 Anoka County 1 Anoka County Community Development Department 1 Attorney General 1 awerawe 1 CAPSH 1 City Attorney's Office or State of Minnesota 1 City Hall 1 City of Minneapolis 1 City of Minneapolis civil rights department 1 city of St Paul 1 City of St. Paul Human Rights 1 City of Woodbury's HRA 1 City Staff 1 City, State Departments of Human Rights, Legal Aid, HUD 1 City's Civil Rights Department or State's Human Rights Department 1 County of their residency or the State 1 County Services 1 Dakota County CDA 1 Department of Civil Rights, Department of Housing and Urban Development 1 Department of Housing and Urban Development Fair Housing Hotline at 1-[PHONE REDACTED] TDD 1-[PHONE REDACTED] or the Minnesota Department of Human Rights 1-[PHONE REDACTED]. 1 Department of Human Rights 1 Department of Human Rights and HUD 1 Department of Human Rights and the Commerce Department 1 Depends on the nature of the complaint 1 depends on their situation generally legal aid 1 ---PAGE BREAK--- FHIC Analysis of Impediments 297 Final Report: 10/27/09 dept of commerce 1 Dept of human rights 1 Dept. of Housing and Urban Development 1 Dept. of housing and urban Development or their local HRA 1 Don't know 1 Either the State Civil Rights Commission or HUD depending upon the issue 1 Fair Housing Specialist at HUD 1 Government 1 HDLP 1 HDLP, part of MLA 1 Hennepin County Fair Housing 1 Hennepin County Fair Housing Board 1 Home Line 1 HOMELINE 1 Housing Authority 1 Housing Discrimination Law Project of LASM or State or HUD if not a resident of Henn county 1 Housinglink (for renters) Atty General 1 HRA and to their Congress contact. 1 HUD and Homeline 1 HUD AND STATE AUTHORITIES 1 hud disc form 1 HUD Fair Housing Hotline 1-[PHONE REDACTED] 1 HUD Hotline for Fair Housing 1 HUD or legal aid 1 HUD or Legal Aid 1 HUD, City and Homeline 1 HUD, Mn Attorney general 1 HUD, MN Dept of Human Rights, Legal Aid's Hsg Disc Law Proj 1 HUD, state of MN, Mpls, St. Paul or Duluth HR depts. 1 HUD's web site- the forms are available 1 Human Rights Office 1 I don't have a clue! 1 I don't know; check with the Attorney General's office first? 1 I would contact the county and then the state agency 1 I would do an Internet search - I don't know 1 I would refer them to HUD's website to file a complaint or to the 800# 1 I wouldn't know 1 I'd advise them to consider a different location. 1 I'd research it and let them know what I found out. 1 Judicare 1 Judicare or an attorney. I believe I would want to hear the story first. It could just be bad communication between 2 people who don't understand each other. 1 Lawyer 1 Legal Aid 1 Legal Aid & HUD's Fair Housing Hotline 1 Legal Aid Housing Discrimination law Project 1 Legal Aid housing division 1 legal aid if low income 1 Legal Aid of MN 1 legal aid or dept of human rights 1 Legal Aid or Home Line 1 Legal Aid or HUD fair housing hotline 1 Legal Aid or Volunteer Lawyer's Network 1 Legal aid society 1 Legal Aid such as MMLS, etc 1 Legal Aid, HOME Line, etc. 1 ---PAGE BREAK--- FHIC Analysis of Impediments 298 Final Report: 10/27/09 Legal Aid, HUD 1 legal aid, HUD, St Paul Human Rights 1 Legal Aid, MN Dept of Human Rights 1 Legal Aid; or a private consumer attorney. 1 legal aid/Mn Dept Human Rights/MN Attorney General 1 legal aide 1 Legal Aide 1 Legal aide or disability law center 1 Legal assistance 1 legal council 1 Legal services organization, MDHR, HUD, local governmental enforcement agency, private legal counsel. 1 Local and State Human Rights Department / Legal Aid 1 Local HRA 1 local HUD Office 1 Mid-MN Legal Aid 1 Minneapolis Civil Rights Department/State of MN AG office 1 Minnesota Commerce Dept. 1 Minnesota Department of Health, Attorney General 1 Minnesota Department of Human Rights 1 Minnesota Dept of HUD? I'd have to research this.... 1 Minnesota Dept of Human Rights, Minneapolis Civil Rights Dept, Legal Aid 1 Minnesota Housing 1 Minnesota Human Rights Dept. 1 mn attorney gen 1 MN Attorney General's office or State Ombudsmen 1 MN Attorney Generals office 1 MN Dept of Human Rights or HUD 1 MN Fair Housing Center or Mpls. Community Action Agency 1 MN HUD Fair Housing Dept, MN Dept of Human Rights, MN Attny General's Ofc, Legal Aid Services 1 MN Secretary of State 1 MN state 1 Mpls Housing Services or Legal Right Center of Mpls 1 My city manager 1 no idea 1 ombudsman 1 our HRA division at the City 1 Primarily legal aide or disability law center 1 public housing agency 1 Refer to housing staff 1 resources of www.minnesotahelp.info (fair housing) 1 Saint Paul Association of Realtors 1 SMERLS 1 1 smurls 1 social justice department of 1 Southern Minnesota Regional Legal Services 1 St. Paul Housing Office 1 Start with the County we live in 1 State Department of Human Rights 1 State Dept of Commerce, HUD, Attorney General 1 State Human Rights Commission 1 State of Minnesota 1 state of mn 1 Tenant's Union 1 the city manager's office 1 the local Fair Housing and Equal Opportunity Office 1 the nearest HUD office 1 ---PAGE BREAK--- FHIC Analysis of Impediments 299 Final Report: 10/27/09 The Plymouth Human Rights Commission & Home Line 1 the State Attorney General's office 1 the State's and City's Human rights departments 1 To HUD 1 To my institutions Housing Office for further assistance 1 To the City Fair housing group and local HUD. 1 To the Minneapolis Housing Authority 1 U.S. Department of Housing and Urban Development Assistant Secretary for Fair Housing and Equal Opportunity, Washington D.C. 1 Washington county housing coordinator 1 Washington County HRA 1 Washington County Social Services 1 Woodbury City Hall - Housing Director 1 Total 202 ---PAGE BREAK--- FHIC Analysis of Impediments 300 Final Report: 10/27/09 Table F.24 Do you feel that your local government may have taken planning, financing or administrative actions that may have adversely affected fair housing choice? If yes, which policies do you mean? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey As a small mortgage broker I do not have access to all the city living and similar programs. Now that the MHFA is curtailing activities we are even more restricted. Comprehensive plan and zoning ordinance Create barriers to affordable housing because they are susceptible to pressure from voters. density regulations - those local laws that dictate the number of people that can live in a certain apartment. district councils that move to block supported and low income housing-I have seen this in both Minneapolis and St. Paul. Encouraging the growth of housing with services settings without proper oversight. I am sure there are some Impacted/nonimpacted housing policies in Minneapolis tend to point placement off affordable housing options in communities that are predominantly whiter communities. Pointing out preferences for higher-density housing that might not be as desirable for households with children and those most in need. Ineffective land use planning for affordable workforce housing by many cities in the suburban metropolitan area has likely had a disproportionate adverse effect on the ability of many families of color to avail themselves of employment and educational opportunities in those communities. it's more a matter of inaction than adverse action. We just haven't picked up the ball re how to house ex-offenders or people with bad rental histories or who are irregularly employed but not qualified for county social services casework. Lack of affordable housing in the community, concentration of affordable housing in certain areas. Rental Licensing fees and requirements at the municipal level which may result in increased rental rates eliminating affordable housing options. Low income housing is not well enough spread out, having a disparate impact. It will be important that post-foreclosure work keeps these and other fair housing issues in mind. Mentioned previously - targeting the vast majority of resources, especially new stuff - only to people ready to own a home. not locating much of the low income housing in transit corridors that assist people with getting to and from work. Not working hard enough to affirmatively further fair housing. No requirement that developers set asides a percentage of units at affordable rents, etc. One could argue that failure to fund housing vouchers over the years affected the ability of low-income people to access affordable housing. People are going to make the choices they want when they rent. Priorities of local government may not see fair and affordable housing as necessary in cutting the budget. Restrictions on the sitting of supportive housing facilities. See answers #6 h - l; #7 a-e above Seems to me the City Mpls cut back on the amount of housing loans and even sold off its portfolio. I'm not sure the City Council AND Mayor have done all they could to encourage foundations/corporations to partner w/ the City/County to help provide more housing. Might the Met Council become a 7 county wide low income housing department and thus, hopefully, depoliticize appropriation of funds and thereby increase affordable housing across the metro? (then omit each city's housing divs The ISP area's created by St. Paul ensure that rehab dollars are generally not available to anyone else. In addition appointing one person in charge of the NSP money creates a barrier for many people. The letter that they put out to all multi-housing communities in Plymouth regarding not leasing to people incapable of self preservation. THE REMOVAL OF THE DPA Down Payment Assistance Program was a great program that should have never been removed. The way housing is developed, the laws surrounding application and tenant background checks and/or tenant selection criteria. There’s no teeth to enforcement of act committed against people. This community is the old Edina. Money only, we don't want "rif raft." Who is going to work for us? There are many colleges around us, those kids will work and they are not "rif raft" but cannot pay rent to work and live here. Some only bus and do not drive, that is also a contribution factor. What do you call zoning? When the Comp Plan was redrafted, they could have went down to smaller lots, but didn't and part of that reason again is Met Council Yes...by manipulating housing and placing low income households in higher cost of living areas, they are doing those households a disservice. zoning, development assistance and other regulatory and financing policies that preserve the character of upper income neighborhoods in the city, including not developing low-income housing units in these neighborhoods. Zoning for group homes or too many mentally ill people in one area ---PAGE BREAK--- FHIC Analysis of Impediments 301 Final Report: 10/27/09 Table F.25 Are you aware of any fair housing non-compliance issues with any public housing authorities in your community? If yes, which housing authority and what is the issue? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey Dakota CDA LEP policies, especially. Failure to accommodate for mental illness is one about which I get calls, on average, 1 every 2 months. if family member have criminal histories the family are asked to move and not allow that family member to live there even temporarily. Many nursing homes and other such facilities are experts at manipulating the system to maximize the financial benefit for violation of the fair housing regulations Minneapolis Public housing authority has discriminated from time to time. the last time involved discriminating against disabled individuals when taking applications. that was recently resolved through settlement of litigation. Minneapolis Public Housing Authority; failure to reasonable accommodate people with disabilities, etc. MPH, states they don't hold criminal histories over 10 years old against people who apply, yet they don't rent to any who apply after 10 years. If you make a complaint against public housing there appears to be a movement to get you out after that, for whatever reason. Minneapolis Public Housing Authority is the agency I am most familiar with. See answers # 6 b, c, j, k and # 7 a, b, g In addition, the MPHA imposes an unauthorized "legal custody" requirement on households with children that discriminates on the basis of familial status, and appears to be applied most frequently to new immigrant families. The MPHA has refused to change this policy. The MPHA recently settled a federal suit wherein they had been refusing to accept applications from a class of disabled persons. The MPHA frequently makes unreasonable demands for disclosure of personal information of disabled people seeking reasonable accommodations. This is not a comprehensive review. Refusal to allow accommodations. Some policies of some housing authorities in the metropolitan area do not adequately protect the rights of limited English speaking persons and persons with disabilities when housing assistance is terminated or denied, and such failures may have an adverse discriminatory effect on participants' or applicants' ability to access safe, decent and sanitary housing because of their national origin or disability. The MPHA seems to be run so inefficiently that it borders on or, in some cases, falls well within non-compliance with fair housing issues. The residential eligibility criteria was evaluated and brought up to compliance by the HRA with their new property management group after being questioned. ---PAGE BREAK--- FHIC Analysis of Impediments 302 Final Report: 10/27/09 Table F.26 Can you think of any municipal or county codes or regulations, including building, occupancy, health or safety codes, that may represent barriers to fair housing choice in your community? If yes, which code or regulation do you mean and why? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey A lot of buildings have split entries and therefore persons with mobility issues aren't able to live in any of the units as they are not accessible without going up/down stairs. a. See 2001 AI analysis of zoning issues - I think this is unchanged. Minnesota's state building code establishes unreasonably restricted occupancy limits that can improperly exclude families with children and others from housing of their choice. c. The building code is also being used to target disabled residents in rental housing in at least one suburb (Plymouth) where property managers are being told that they must rent "only to persons capable of self-preservation." This forces owners and managers to make illegal inquiries about renters' disabilities and ignores owners', managers' and municipal duties to make reasonable accommodation and allow modifications and, for the public sector, to affirmatively integrate people with disabilities into all communities. d. We have seen incidents where local codes that penalize renters for having public safety calls to their residents are used to justify evictions and thus restrict fair housing choice. For example, a renter was evicted after making calls to emergency services that were needed because of severe disability. Other times, victims of domestic violence, almost always women, are hesitant to call for help because to do so can threaten their housing. city rental licensing board saying all tenants should possess self preservation skills and that management should assess for this prior to renting to anyone. Families are often doubled up in our community out of necessity. I really don’t know what can be done about this without more supportive, transitional or subsidized housing options. family members with minor or major criminal histories are given warning letters to move or have the person vacate even if no crime or lease violation has occurred. Federal regulation regarding lead based paint abatement are unduly onerous to comply with when buying a home built before 1978. I cannot believe that compliance could be easier without endangering public health. It doesn't take a guy in a hazmat suit to scrape peeling paint off a garage and prime and paint it properly and dispose of the scraped paint. Growth limits because the force developers to emphasize more expensive lots. I think the 'grandfathering in' of some of the older apt buildings might make it harder for disabled people to find housing. Perhaps a tax credit for improvement/repairs is needed to induce owners of older buildings to make them more appealing to disabled - or consider MAJOR credits if an entire bldg is converted to ADA compliance. In my condo there are several disabled and they really seem to appreciate having others like them around. (Not to exclude them from 'regular' housing.) I've been involved with Heading Home Hennepin and FHIC. Please see documents compiled for that information. It is important that senior housing and housing with service regulations do not impede fair housing efforts. For example, there is a nursing home regulation saying that the "mentally disturbed" may be excluded by nursing homes--this does not comply with the Fair Housing Act so violates federal law. Limits on family size per # of bedrooms in rental housing - I think this discriminates against large families, especially immigrant families who are multi-generational. Local building codes require amenities which are not necessary, which drive up the cost of rental housing. Occupancy restrictions that disallow larger family units to accommodate cultures with definitions/preferences of "family" or "household" being larger and broader than that of "our" definition. Restrictions on the sitting of supportive housing facilities. see answer above See density comment above. Single Family Residence zoning throughout the city Some rental licensing ordinances require criminal background screening which has a disparate impact on African-American households which are statistically more likely to have been incarcerated. Special or specific programs that target single fathers, African American mothers, etc The Quarter-mile spacing rule in Minneapolis for supportive housing developments The restrictive zoning and land use regulations and policies in many metropolitan communities likely create barriers to the development of affordable housing and to families and persons of color seeking to access housing in those communities. Further assessment of the potential adverse impact of these regulations and policies is needed. There can't be no more than 3 un related adults living together in one house when culturally people may live together to cut expenses. They are too strict and should go case by case. Example: an elderly person should have two hand rails to hold on to when going down stairs, but the law says only one hand rail down the stairs. This more of a code that helps create a market in my neighborhood where it is harder to attract higher-quality renters. If a landlord could have only one provisional rental license at a time, then he or she would be less likely to attempt to rent out substandard housing, which tends to attract problem tenants, and furthers the perception that my neighborhood is not a good place to rent or own. ---PAGE BREAK--- FHIC Analysis of Impediments 303 Final Report: 10/27/09 this survey is getting too long To many people living in an apartment. We have a set of high building standards which may drive cost up. We are unwilling to compromise standards or cluster affordable housing into certain areas of the community. While this may be a barrier, it also contributes overall in a positive sense to the community as it preserves value for the entire city. Zoning Code zoning codes, design standards, height limitations, etc. help limit the development of affordable housing. Zoning laws, density, transportation availability Zoning restrictions that artificially reduce density in multiple family zones that essentially prohibit a financially feasible project ---PAGE BREAK--- FHIC Analysis of Impediments 304 Final Report: 10/27/09 Table F.27 Can you think of any public administrative actions or policies, including tax policy, that may represent barriers to fair housing choice in your community? If yes, which policy or action do you mean and why? Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey a. See answers to # 6, 7, 14, 15 b. and end with the federal and state tax "expenditures" provided to homeowners, including owners of more than one dwelling, that accrue through the deductibility of mortgage interest, points and property taxes. This is an imbalance in the allocation of tax burdens that falls on classes of people in the metro area who a disproportionately people of color, immigrants, people with disabilities. It is an example of the "retardation" of fair housing through housing and tax policies that have no negative intent but insufficient attention to the actual impact on protected class people's ability to secure housing in a more equal fashion. As a small mortgage broker I do not have access to all the city living and similar programs. Now that the MHFA is curtailing activities we are even more restricted. As above Code issues described above Community members who can afford the least being discharged from Hospitals, Treatment centers or jails are given the run around. Federal Section 3 and minority/women owned business hiring requirements can make production of affordable housing too expensive given our model when those are treated as quotas or requirements rather than as the goals laid out in federal legislation. Hasn't happened yet, but in the current State/County budget environment, it is likely that cuts will need to be made to the subsidies and supports needed by current groups, making it even harder to then serve the persons noted above. I'm not sure but I think in the newer suburbs; the requirement that lot sizes be quite large seems to nicely exclude the possibility of a developer developing a multi-family bldg that could include lower/disabled people. I'm not sure what stance the County Commissioners are now taking regarding housing, however, there is certainly some history of a sitting Commissioner that would cause me to question the support of the County for programs and public spending for the homeless. ISP Neighborhoods, use of NSP funds, re-direction of Star funds Lack of understanding re: persons with mental health disabilities. Low income housing is not well enough spread out, having a disparate impact. It will be important that post-foreclosure work keeps these and other fair housing issues in mind. Medical assistance and elderly waiver, CADI waiver services not specifically, but excessive development regulations and building requirements generally. Property taxes on rental housing, fees for rental property, licensing, requiring background checks, holding property owners liable for their tenants actions, Restrictions on the sitting of supportive housing facilities. rules regarding family members with criminal histories and how the mother of this person or child could be evicted if the person visits. see answer above. Also, real estate tax rates in general. special homestead classification should not just be for individuals on Social Security. I should have equal opportunity to access this being a pwd, working full time, and being productive despite HUGE medical out of pocket costs. Taxes are too high to have low-income housing Things have gotten better with the 4D tax classification, but property tax rates on non homesteaded properties make housing these populations more expensive. this survey is too long. ---PAGE BREAK--- FHIC Analysis of Impediments 305 Final Report: 10/27/09 Table F.28 If you have other comments, please feel free to share them with us here. Fair Housing Implementation Council Region 2009 Regional Fair Housing Survey #17 needs to have don't know also Generally we do not deal with the public, only furnish through bidding process to PHA-St Paul in regards to housing, we are commercial supplier After doing this survey, I realized that I am not as informed as I should be or I am not sure exactly what fits under the category of fair housing laws. AI’s must cover barriers presented to non low income people. do not confuse affordable housing and it's problems and barriers with barriers to fair housing choice. Another issue we have is that with foreclosures, many renters don't know their rights in terms of how long they can stay, and what they can do to keep utilities on and protect their security deposit. Even notification of these rights is difficult to do at times. As you can tell, fair housing issues in senior housing is an important concern for me (especially in the area of disability discrimination), and it is getting increasing attention on the national and local stage. bring fair housing information to Indian education pow wow @ St. Paul Public Schools consider my suggestions from previous questions. district councils need more information fair housing considerations. Fair housing may have more to do with income than any other issue. Fair housing policy should also encompass discriminatory lending practices. Current subprime mortgage mess has its roots in these illegal practices. This is meant to be a general comment rather than a specific comment about anything going on in the city of Plymouth. Fair housing should be better defined. Rules that are made should be followed. When a renter decides to have his own rules and is told he needs to move; He immediately says it's because of my color or ethnicity not that I did something wrong. The landlords get to go to court to prove they are right. Fair Housing, I believe, does not cover the rights of homosexuals and should. I don't believe laws need to be strengthened so much as more aggressively enforced. I hope that MN will expand fair housing law to protect Section 8 and other welfare recipients. I know that more could probably be done but it really needs to be a collaborative effort between all governmental agencies and the private sector. A small community such as St. Anthony has very limited resources to provide all the enforcement, support, and information necessary to provide fair housing for all who need it. I think that the City of Plymouth's official's should be reprimanded for their recent action against people with disabilities in this community! I would advocate for single fathers to get housing just as easy as single mothers. I'm probably the wrong person to do this survey...I don't agree with the goals of these programs. I've been working in the field (social services) for many years, and have too many "don't know" checks above. That should tell you something about how this info isn't getting out. If affordable housing is meant to assist the least able then let it do that by assessing who's the least able? If you have a volunteer board available to assist people with these needs, please feel free to contact me. I am eager and willing to assist anyone that might need the help. Training would be necessary but as a business owner, I think it would be an invaluable resource to employees. not sure if # 19 refers to AI and Action Plan from 2002? Our agency houses a disproportionate number of minorities. Not sure if that is because of our high profile or because other housing providers will not serve them. The laws need to be stronger for education for the residents utilizing the programs in use. There have been reports of minorities being sold sub prime loans even when they would have qualified for prime loans. I don't know where that would fall in your survey. This survey is what is wrong with fair housing. This survey seems to yield questionable data given that it never clearly defines what is meant by fair housing law or affirmatively furthering housing. There are both technical and general meanings of the term which can skew data. Clarification of terms and use of definitions would be helpful to better understand questions being asked. We never hear that landlords have been affected for discrimination of the application process or race. Woodbury has a long way to go and needs to grow this new department working on the situation quickly. Would like information on fair housing ---PAGE BREAK--- FHIC Analysis of Impediments 306 Final Report: 10/27/09 ---PAGE BREAK--- FHIC Analysis of Impediments 307 Final Report: 10/27/09 APPENDIX G. 2009 LASM AND CLIENT INTERVIEWS Table G.1 Statement 1: Landlords who don't work with people with disabilities 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . . . 2 . . 2 Eden Prairie . . . . . . . . Minneapolis 1 . 8 4 9 . . 22 Minnetonka . . . . . . . . Plymouth . . . . . . . . St. Paul 3 . 5 2 15 2 2 29 Woodbury 1 . . . . . . 1 Remainder of Counties Anoka 1 . . 1 . . . 2 Carver . . . . . . . . Dakota 1 . 1 2 1 . . 5 Hennepin . . 3 1 3 . 1 8 Ramsey . . 4 2 3 1 . 10 Washington . . 1 . 1 . . 2 Other/Missing . . . . 2 1 1 4 Regional Total 7 0 22 12 36 4 4 85 ---PAGE BREAK--- FHIC Analysis of Impediments 308 Final Report: 10/27/09 Table G.2 Statement 2: Landlords who treat victims of domestic violence unfairly 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . 1 . 1 . . 2 Eden Prairie . . . . . . . . Minneapolis 3 1 7 3 6 . 2 22 Minnetonka . . . . . . . . Plymouth . . . . . . . . St. Paul 4 2 1 3 15 3 1 29 Woodbury 1 . . . . . . 1 Remainder of Counties Anoka . . . 1 . . 1 2 Carver . . . . . . . . Dakota . . 1 2 . 2 . 5 Hennepin . . 3 1 2 . 2 8 Ramsey 1 . 5 1 2 1 . 10 Washington . 1 1 . . . . 2 Other/Missing . . 1 . 3 . . 4 Regional Total 9 4 20 11 29 6 6 85 ---PAGE BREAK--- FHIC Analysis of Impediments 309 Final Report: 10/27/09 Table G.3 Statement 3: Government Agencies who don't provide interpreters for important housing meetings 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . 1 . 1 . . 2 Eden Prairie . . . . . . . 0 Minneapolis 4 1 5 . 10 . 2 22 Minnetonka . . . . . . . 0 Plymouth . . . . . . . 0 St. Paul 6 . 2 5 9 5 2 29 Woodbury 1 . . . . . . 1 Remainder of Counties Anoka . . 1 . . . 1 2 Carver . . . . . . . 0 Dakota . . . . 1 4 . 5 Hennepin 2 . 2 1 2 . 1 8 Ramsey 2 1 1 1 2 2 1 10 Washington 1 . 1 . . . . 2 Other/Missing . 1 1 . 1 . 1 4 Regional Total 16 3 14 7 26 11 8 85 ---PAGE BREAK--- FHIC Analysis of Impediments 310 Final Report: 10/27/09 Table G.4 Statement 4: Disability housing providers who evict tenants due to the issues that surround the tenant's disability 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . 1 . 1 . . 2 Eden Prairie . . . . . . . . Minneapolis 3 1 7 5 6 . . 22 Minnetonka . . . . . . . . Plymouth . . . . . . . . St. Paul 4 . 7 2 13 1 2 29 Woodbury 1 . . . . . . 1 Remainder of Counties Anoka 1 . 1 . . . . 2 Carver . . . . . . . . Dakota . . . . 3 2 . 5 Hennepin . . 2 . 5 . 1 8 Ramsey . . 4 . 4 1 1 10 Washington . . . . 2 . . 2 Other/Missing . . . 3 1 . . 4 Regional Total 9 1 22 10 35 4 4 85 ---PAGE BREAK--- FHIC Analysis of Impediments 311 Final Report: 10/27/09 Table G.5 Statement 5: Landlords who impose stricter rules on families with children 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . 1 . 1 . . 2 Eden Prairie . . . . . . . 0 Minneapolis 2 3 4 3 8 . 2 22 Minnetonka . . . . . . . 0 Plymouth . . . . . . . 0 St. Paul 1 . 2 7 16 2 1 29 Woodbury . . . . 1 . . 1 Remainder of Counties Anoka . . . 1 . . 1 2 Carver . . . . . . . 0 Dakota . . . . 3 2 . 5 Hennepin 1 . . 1 4 . 2 8 Ramsey . . 1 4 4 1 . 10 Washington . . . . 2 . . 2 Other/Missing . 1 . 3 . . . 4 Regional Total 4 4 8 19 39 5 6 85 ---PAGE BREAK--- FHIC Analysis of Impediments 312 Final Report: 10/27/09 Table G.6 Statement 6: Not being able to live in the neighborhood I want (good jobs, transportation and safe schools) because of my race 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . . 1 1 . . 2 Eden Prairie . . . . . . . . Minneapolis 3 3 5 2 7 . 2 22 Minnetonka . . . . . . . . Plymouth . . . . . . . . St. Paul 2 1 3 2 18 2 1 29 Woodbury . . . 1 . . . 1 Remainder of Counties Anoka . . 1 . . . 1 2 Carver . . . . . . . . Dakota . . . 1 2 1 1 5 Hennepin . . 2 . 4 . 2 8 Ramsey 1 . 1 1 6 1 . 10 Washington 1 . . . 1 . . 2 Other/Missing . . . . 3 . 1 4 Regional Total 7 4 12 8 42 4 8 85 ---PAGE BREAK--- FHIC Analysis of Impediments 313 Final Report: 10/27/09 Table G.7 Statement 7: Government agencies which do not help me enforce housing discrimination laws 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . . . 2 . . 2 Eden Prairie . . . . . . . . Minneapolis 3 2 5 3 8 . 1 22 Minnetonka . . . . . . . . Plymouth . . . . . . . . St. Paul 2 2 3 8 12 1 1 29 Woodbury 1 . . . . . . 1 Remainder of Counties Anoka . . 1 . . . 1 2 Carver . . . . . . . 0 Dakota . . . . 4 1 . 5 Hennepin 1 . 2 . 4 . 1 8 Ramsey . 1 2 1 5 1 . 10 Washington . 1 . . 1 . . 2 Other/Missing . . . 1 3 . . 4 Regional Total 7 6 13 13 39 3 4 85 ---PAGE BREAK--- FHIC Analysis of Impediments 314 Final Report: 10/27/09 Table G.8 Statement 9: Landlords who demand sex for rent or sexually harass tenants 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . . . 2 . . 2 Eden Prairie . . . . . . . 0 Minneapolis 3 3 5 3 6 . 2 22 Minnetonka . . . . . . . 0 Plymouth . . . . . . . 0 St. Paul 5 2 2 2 14 3 1 29 Woodbury . . . 1 . . . 1 Remainder of Counties Anoka 1 . . 1 . . . 2 Carver . . . . . . . 0 Dakota . . . . 1 4 . 5 Hennepin . . 3 . 2 . 3 8 Ramsey 1 . 3 . 5 1 . 10 Washington 1 . . . 1 . . 2 Other/Missing . . . . 2 . 2 4 Regional Total 11 5 13 7 33 8 8 85 ---PAGE BREAK--- FHIC Analysis of Impediments 315 Final Report: 10/27/09 Table G.9 Statement 10: The use of arrest (not conviction) records to deny me housing 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . 1 . . 1 . . 2 Eden Prairie . . . . . . . . Minneapolis 4 1 10 2 4 . 1 22 Minnetonka . . . . . . . . Plymouth . . . . . . . . St. Paul 4 . 2 4 16 3 . 29 Woodbury 1 . . . . . . 1 Remainder of Counties Anoka 1 . . 1 . . . 2 Carver . . . . . . . . Dakota . . . . 2 3 . 5 Hennepin 2 . 1 1 2 . 2 8 Ramsey 1 . 2 1 5 1 . 10 Washington 1 . . 1 . . . 2 Other/Missing . . 2 1 . . 1 4 Regional Total 14 2 17 11 30 7 4 85 ---PAGE BREAK--- FHIC Analysis of Impediments 316 Final Report: 10/27/09 Table G.10 Statement 11: Apartments with 1 or 2 bedrooms which are too small for my family 2009 Survey Entitlements This is not a problem 2 This is a problem 4 This is a big problem N/A Missing Total Cities Bloomington . . . . 1 . 1 2 Eden Prairie . . . . . . . . Minneapolis 2 2 6 4 7 . 1 22 Minnetonka . . . . . . . . Plymouth . . . . . . . . St. Paul 2 . 8 4 13 1 1 29 Woodbury 1 . . . . . . 1 Remainder of Counties Anoka 1 . 1 . . . . 2 Carver . . . . . . . . Dakota . 1 . . 1 3 . 5 Hennepin 1 . 1 1 5 . . 8 Ramsey . . . . 7 3 . 10 Washington . . 1 . 1 . . 2 Other/Missing . . . 1 2 . 1 4 Regional Total 7 3 17 10 37 7 4 85 ---PAGE BREAK--- FHIC Analysis of Impediments 317 Final Report: 10/27/09 Table G.11 Question 12: Other Problems? 2009 Survey Entitlements Written Response Cities Bloomington Landlord gets away with too much. I hope something changes down the line. Renters need more rights, land lord holds all the money and all the cards. Minneapolis Repair issues. Having my son sign in every time before he can come to my apartment, he is my PCA, it is hard for him to take care of me everyday. They have no one that I can talk to about my problem or get help, no one to interpret they talk to me in English and I don’t know what they say. It is hard for my children and grandchildren to visit me because they check everyone that comes to my apartment. My children and grand children don't like that. Will give 24 hrs but more would be appreciated. We'll be there M T or Wed. Inexcusable. Should be able to tell us a day. They must think we have no lives, no jobs. Nonessential jobs. Removed radiator knob and put it back in another location. City has targeted areas but don't disclose that to owners/neighbors. Allows city to foreclose because of non- payment of taxes. Low income areas gentrified in redevelopment efforts. Big problem type of occupation, access to housing, ex. Garbage work, different treatment based on social or economic status. Landlords don't disclose tenant's rights, buildings not up to code, poor pest control, bed bugs. Landlords or people lying saying that they have house for rent but try to do other things to you and force you to have sex. Didn't know who is landlord or not landlord. Not having a person that speaks your language to interpret to MPHA. Very hard to communicate. Lack of affordable housing, housing costs are very expensive. Smoking should not be tolerated in any apartments or duplex where there are a lot of people living. Should be looked at by governor, no smoking in rental properties. They don't tell me about changes, they send letter and I don't read, they charge me when I do the same that I always do, throw trash into the wrong place and put furniture in wrong area, I have to pay. Racist landlord. St Paul People with felonies, even if it has been a long time since they were in trouble. Problems with getting approved because doesn't have a job, because she receives section 8. Biggest problem is that courts go with what landlord is saying and don't investigate enough. Landlord who discriminated against me because I was using county assistance. Section 8 approves damaged apt. Regular landlords get away with not complying with codes and property still passes inspection. Building does not spray for mice and rodents. Landlords who make living in their apartment difficult because of the color of ones skin but at the same time they do not do that to whites who live in the building. Using closet as bedroom, nobody to represent us, not even Native American organizations. Hard time finding money for damage deposits. None Landlords won't give people a chance with felonies, having a problem. Sometimes landlords don't give you enough time to pay rent. Remainder of Counties Anoka Landlord was abusing social services system. Respondent is disabled. Taking advantage of people. Dakota Not letting her 22 month old grandson live with her unless she had custody. Service dog, building didn’t like it. Problem with CDA. Just ongoing issues; dad would come to visit though. Biggest issue is discrimination against people with Section 8 vouchers. Some people really value those vouchers and work really hard but can't live where they want. Tenant with disabilities was really harassed and there was nothing done about it. ---PAGE BREAK--- FHIC Analysis of Impediments 318 Final Report: 10/27/09 Hennepin They are prejudiced in Bloomington, my friend is leaving Minnesota going to Georgia. Her and her daughter. Color or skin. I know a lady who got evicted because she wouldn't put up with sexual advances. Common bond. I had a relative that used to come and help me with housekeeping. She had struggles with stonewalling in the building. Many of the tenants would ask what she was doing here and wrangle her around. I need a place to go. They wanted me to get rid of my service animals. Housing managers prevent information from reaching tenants. Admission process, raising rent to get you to have to leave, raising rent for some and not others, application fees are excessive. Client has had a good experience with HUD, no complaints. Ramsey I'm tired of renting from slum lords who don't want to fix the property up but quick to file a UD on tenants. Handicap accessible apartments are hard to find and don't take Section 8. They should help and rent to people with one (or) two UD's, no more than 3 because sometimes people get bad luck with some slum landlords and the tenants are good people with bad landlords who don't care , only for the money. Non workable landlords who always want rent to be paid on time but don't fix things in the apartment. Asthmatic child, both of her children have different needs and land lord is not willing to accommodate them. They moved to different housing authority In public housing at one time; son has problems, would evict for that Washington Previous landlord was really hard to deal with; rude to kids on phone; would complain about kids. Neighbors; if you have the money there should be no problem with you living there. Disrespecting, humiliating tenants. Other/Missing Landlord didn't want to work with county, treating recipients of county assistance differently, treated men and women different, also treated families with children differently. Not too many people (landlords) are willing to help people with UD's. ---PAGE BREAK--- FHIC Analysis of Impediments 319 Final Report: 10/27/09 Table G.12 Question 13: How has housing discrimination affected you and your family? 2009 Survey Entitlements Written Response Cities Bloomington Just went through this - landlord decided he wanted me to move. Made sure they moved all the black folks out. Personally affected, housing not with budget. Understanding landlord, landlord not understanding. Eden Prairie Greatly affected and upset. Family member being evicted because of disabilities. Having to deal with issue for years causes stress on family members, a lot of my time spent. Minneapolis Based on mental disability - misunderstanding what mental disability means and how to handle it. Misconceptions re: danger based on misconceptions. Cat in bldg. Landlord threatened to remove tenant or cat. Had to move family and whole life was turned upside down. Has not. I am not able to attend meetings that are important to the high rise because I don't speak or understand what they say at meetings. No interpreter at meetings. Other tenants that don't speak English feel the same. I don't go to meeting and I don't know to read letters they give me, so I stay in my room. I don't go to meetings, I don't understand what they say to me or in letter. I don't know any letter or notice that they send me to go to meeting, I just put in a big pile and throw away, no interpreter for meeting, so I don't go and don't know about changes and they charge me. MPHA. I I rent from MPA Highrise. They always want to come in - If they have 5 reasons to come in they schedule 5 visits. I like to be home. I don't want cable tv. Wish they weren't wandering around. I've experienced - Lady told me I won't rent to a black man because I don't want to see African American pubic hair on my toilet. Landlord should not be basing their decisions on medical status, marital status, past behavior or experience with drugs or alcohol. Creates fewer and fewer opportunity for tenants being discriminated against. Made appointment to see apartment and landlord wouldn't let her look at apartment because she was black. Made me think re: how to choose housing. My daughter now thinks everyone looks at her skin color. 6 1/2 months snooping around - interfering with guests based on skin color after he my daughter. Make me more afraid and depressed, changes my life never the same before. Make me afraid of landlord or men, scared to approach people. Not able to attend meetings because no interpreter, not being able to read letters or notice from MPHA. Not able to live where they want to live, no stable housing affects family. Person had no stable housing. Reported problems by family who had Section 8 and he feels that because they were gov't funded the landlord wouldn't do anything about it. Sexual harassment. Feel house is not safe of children and me. Does not feel comfortable or safe to leave children at home by themselves. Would sleep with them at night. They should have someone to translate letter to all tenants about changes. I never know what going on at meetings and I get letters. I can not voice my concerns or put input if I am not able to talk to them. St Paul Because I have Section 8 lots of landlords have problems with that. Being hassled that someone is not supposed to be in your unit. Harassed for having that person in your unit or on the grounds. By trying to put us out for trying to get just $300.00 left on rent. He should be ashamed of self. City condemning house because they don't like the landlord. Had to live in a lot of terrible homes. Had to move 3 times in 6 months. Harassed by previous landlord. 2 UD's, unnecessarily. No A/C provided to me, other tenants were giving A/C. Haven't been able to get an apartment with my brother and sister because of old landlord who didn't like us. Said things that didn't happen I had Section 8 move because my family downsized and I couldn't find another place in time and lost my Section 8. In the same way it's affecting everyone else. There is not enough low income housing and landlords want sex if you can't pay cash and we can't move into the nice neighborhoods with good education because of our race. ---PAGE BREAK--- FHIC Analysis of Impediments 320 Final Report: 10/27/09 It has made us skeptical about living in subsidized housing because you feel like a lot of the time landlords treat you unfairly based on your income. It was very terrible , it caused me and my family to be homeless in the past because of a difficult landlord who enjoyed renting to minorities so she can torture them, then put them out for no apparent reason. Landlords have talked down to me saying, you don't pay the rent, Section 8 pays it. Landlord used to make sexual advances. Felt disrespected. Raising the rent when one of more person move out of the house. Complaining about family members making too much money. Some apartments of 2 bedrooms are too small for my family. Was forced to move into a neighborhood that me and my family didn't want to live in. We are unable to live in a decent environment with big enough space for family. We were living in a duplex and we got a letter saying house is condemned and 6 days notice to move out with knowing nothing and nobody said anything about it. Remainder of Counties Anoka To me it seems harder because of my disability and there are more opportunities out there for treatment programs than for people with disabilities. Dakota Coon Rapids - don't accept Section 8 because higher class people don't want them to live there. Put in a 1 bedroom after re-certification when she was in a 2 bedroom. Treated like he wants special privileges. Undue financial hardships. Was homeless. Now in a small townhome just trying to make ends meet. Hennepin Cost me a lot of money, moving inconvenient. Hurtful to be told she can't live somewhere because of child. Very hurtful I cried for 3 or 4 days. Had to pray really hard. I hope the next person doesn't get treated that way. I couldn't have my granddaughter stay more than a couple days. I'm blind so I couldn't read the postings about rule changes and new regulations. I had the technology so they could inform me but they never bothered. They're supposed to be serving disabled and elderly population but even they don't care enough to bother. It's mentally taxing on me and upsetting, tiring mentally. I get very angry and sick and tired of having to go through this every place I go. Why should I have to explain myself just because my disability is mental not physical. My mother discriminated against based on disability. Pressure to remove her after 18 years because of dementia. No evaluation of her abilities, no specialist, just decided she had to go. If it weren't for legal aid it would be really bad. 1 year later minimal problems. Very good. She's very happy. Still affected. Leary of everything. Ramsey Because my neighborhood is trying to vote the renter off the street and it's all because I'm a different color. Family discrimination. I have had trouble finding affordable housing in the past in an area that I could be comfortable and safe. I haven't had a problem yet. Painful. Pretty deeply judge you on your skin color. Stigma around race; being on Section 8.Put in certain area because of race and being on Section 8 Struggle financially. Other/Missing It was horrible. We had to find a place to live, had no money, had to rush to move in February. ---PAGE BREAK--- FHIC Analysis of Impediments 321 Final Report: 10/27/09 Table G.13 Question 14: What should be done about housing discrimination? 2009 Survey Entitlements Written Response Cities Bloomington Need reality check. Treat people fairly. Landlord wanted me to move. I had never missed a payment, have never been late, no complaints. Should have to give a reason. Landlord should be sued. Landlord not willing to help or resolve issues, should consider other resolutions, right to live anywhere. Eden Prairie Having legal aid involved. Inform people that there is help for such discrimination. Helpful resources and education on discrimination and rights of individuals/tenants. Minneapolis Education surrounding how to handle - how to engage. What they need to do and not do respectively in terms of mental health. Persons a danger - how to get them out. More equal housing for everyone - no favoritism - figure out - look at situations where landlord discriminates when they find out. Stronger rules. Acknowledgement. Stricter punishments. More places take Section 8. MPHA should provide interpreter and have to not check my son everyday when he come to help me. Having someone working for MPHA that tenants can call to help interpret and at meetings. I don't know. Have information or someone I can call anytime to address my concern or problems, to help interpret for me. Some kind of tenant organization that could prevent harassment . Be more considerate. I just want to be treated like any other renter in a private rental. Dealt with - made to go away. Should be watch dog groups. Rout it out. Be as small a part of society as possible. Government and other organizations need to take more action. Go to state, federal, county, change laws to help housing discrimination. It's a nationwide issue. Stronger state laws. You shouldn't have license. No penalties for leaving having out of lease. Landlord should be fined. Something to identify landlord or not landlord for tenants. Law to help govern landlord and more strict for landlord to rent property to tenants. Resolve language barrier with tenants and MPHA. LL needs to be educated and accountable. More affordable housing would cause less issue. If landlord discriminates they should be fired. Have classes or educational classes for landlord before they get their license to rent property. Class on how to deal with tenants, education on rules and regulations for landlords. Landlords have no respect for women. Have more communication with other minority tenants in their language, include them into meetings and encourage ideas from them. Shouldn't take one person's word over another's when housing. St Paul Should be laws written about this. Should be fair. Even if you have lived there for a long time county wouldn't give assistance even though she terminated instead of getting a UD. I couldn't get assistance because it is not subsidized. Everything and anything. Housing for homeless vets. People should be more educated; more actively enforcing their rights. Address everybody’s issues according to their situation; treat different situations differently, especially in Minneapolis. Lawsuits, loss of job. Make so people can get the house they want without being hassled by old landlords. More inspections that get improvements done. We should call Obama and Michelle. Those landlords should not be allowed to rent to any race at all. Should be enforced but is not. Nobody wants to hear it of a Tribal Member. Housing should be fair to all races. There should be laws against housing discrimination. Try to fix it. ---PAGE BREAK--- FHIC Analysis of Impediments 322 Final Report: 10/27/09 Stricter laws. Money - compensation to tenants to force landlord. It should be re-written and changed to environmental setting and regulations to the public, disability or no disability and affordable to all races. Lower application fees for renters. A citation should be sent to landlords, lose license to rent to renters. Landlords should listen to people; give them a chance. Help the people. Remainder of Counties Anoka They should get their stuff together and handle it better. Dakota Law written that says if someone is disabled they should be able to live in PCA - solely based on the applicant. No housing discrimination; every county and every state enforcing federal laws. There should not be so much difference; more centralized decision making. Need people in government who actually care. Should be able to go above property manager to get help. Biggest problem is actual property manager. Give people a second chance. Hennepin Stricter enforcement of housing laws. Person should be able to live where they can afford it. My hope is that they will adopt the principles that they espouse. Sensitivity training. Should be eliminated totally. Should be illegal. I mean, I know it is illegal but it should be enforced. We need tougher regulation and enforcement. Crack down on it. Situation depends on whims of housing providers. Should be a law that fair housing information should be posted. You can't imagine how much help that would be. People who don't speak English well are cut off from help. Landlord should have a screening process. Awareness. Seminars for landlords on race bias. Client said she has not been discriminated against. Ramsey I think since the economy is so bad that landlords should try to be more willing to work with tenants instead of discriminating because some people does turn around so they should at lease give them the benefit of the doubt. It should be eradicated; no tolerance for it at all. A lot. Because we all should be able to live together and anywhere we choose. So yes, I think something should be done about that. Call someone when you have a problem. I think it should be abolished because some people don't have enough money or etc. Advocate number or person in public. Washington Tell people not to give up. Other/missing Landlord should be fined. I don't know what the laws are really. Tenants should have more info who receive assistance. Should receive more time to move. ---PAGE BREAK--- FHIC Analysis of Impediments 323 Final Report: 10/27/09 APPENDIX H. GLOSSARY Accessibility All new construction of covered multifamily buildings must include certain features of accessible and adaptable design. Units covered are all those in buildings with four or more units and one or more elevators, and all ground floor units in buildings without elevators. Action Plan The Action Plan includes the following: An application for federal funds under HUD’s formula grant programs (CDBG, ESG, HOME); Identification of federal and other resources expected to be used to address the priority needs and specific objectives in the strategic plan; Activities to be undertaken including the following; Activities to address Homeless and other special needs (persons with mental, physical or developmental disabilities, battered and abused spouses, victims of domestic violence, etc.); Activities to address other Actions (affordable housing, lead-based paint hazards, poverty reduction, public housing improvements, etc); and lastly; A description of the areas targeted given the rationale for the priorities for allocating investment geographically. Affordable Housing That housing within the community which is decent and safe, either newly constructed or rehabilitated, that is occupied by and affordable to households whose income is very low, low, or moderate. Such housing may be ownership or rental, single family or multi-family, short-term or permanent. Achieving affordable housing often requires financial assistance from various public and private sources and agencies. Agency Any department, agency, commission, authority, administration, board, or other independent establishment in the executive branch of the government, including any corporation wholly or partly owned by the United States that is an independent instrumentality of the United States, not including the municipal government of the District of Columbia. Brownsfield Economic Development Initiative (BEDI) Grant Program BEDI is designed to help cities redevelop abandoned, idled, or underutilized industrial and commercial properties and facilities where expansion or redevelopment is complicated by real or perceived environmental contamination e.g., brownfields. BEDI accomplishes this by providing funding to local governments to be used in conjunction with Section 108 loan guarantees to finance redevelopment of brownfields sites. BEDI-funded projects must meet one of the CDBG program’s national objectives. Certification A written assertion based on supporting evidence that must be kept available for inspection by HUD, by the Inspector General of HUD, and by the public. The assertion shall be deemed to be accurate unless HUD determines otherwise, after inspecting the evidence and providing due notice and opportunity for comment. Community Development Block Grant Program (CDBG) A Community Development Block Grant is a federal grant to states, counties or cities. It is used for housing and community development including housing construction and rehabilitation, economic ---PAGE BREAK--- FHIC Analysis of Impediments 324 Final Report: 10/27/09 development, and public services which benefit low- and moderate- income people. Grant funds can also be used to fund activities which eliminate slums and blight or meet urgent needs. CDBG-R refers funds granted through the American Recovery and Reinvestment Act of 2009. Community and Housing Development Organization (CHDO) A federally defined type of nonprofit housing provider that must receive a minimum of 15 percent of all Federal HOME Investment Partnership funds. The primary difference between CHDO and other nonprofits is the level of low-income residents' participation on the Board of Directors. Comprehensive Grant Program (CGP) HUD grant program via an annual formula to large public housing authorities to modernize public housing units. Consolidated Annual Performance and Evaluation Performance Report (CAPER) The CAPER allows HUD, local officials, and the public to evaluate the grantees’ overall performance, including whether activities and strategies undertaken during the preceding year actually made an impact on the goals and needs identified in the Consolidated Plan. Consolidated Plan The Consolidated Plan services four separate, but integrated functions. The Consolidated Plan is: a planning document for the jurisdiction which builds on a participatory process with County residents; an application for federal funds under HUD’s formula grant programs which are: CDBG, HOME, ESG, HOPWA; a three-year strategy to be followed in carrying out HUD programs; and lastly, an action plan describing individuals activities to be implemented. Cost Burden The extent to which gross housing costs, including utility costs, exceeds 30 percent of gross income, based on data available from the U.S. Census Bureau. Economic Development Initiative (EDI) Grant Program EDI is designed to enable local governments to enhance both the security of loans guaranteed through HUD’s Section 108 Loan Guarantee Program and the feasibility of the economic development and revitalization projects that Section 108 guarantees finance. EDI accomplishes this by providing grants to local governments to be used in conjunction with Section 108 loan guarantees. A locality may use the grant to provide additional security for the loan (for example, as a loss reserve), thereby reducing the exposure of its CDBG funds (which by law must be pledged as security for the loan guarantees). A locality may also use the EDI grant to pay for costs associated with the project, thereby enhancing the feasibility of the 108-assisted portion of the project. EDI-funded projects must meet one of the CDBG program’s national objectives. Elderly: The CDBG low and moderate-income limited clientele national objective at 570.208(a)(2)(i)(A) includes the elderly as a presumptive group. However, the do not define the term "elderly". Therefore, a grantee can use its own definition of elderly for non-housing activities. As such, the County defines elderly as 55 years of age or older. With regard to housing activities, the Consolidated Plan requires identification of housing needs for various groups, including the elderly, which is defined ---PAGE BREAK--- FHIC Analysis of Impediments 325 Final Report: 10/27/09 as 62 years of age or older at 24 CFR 91.5 and 24 CFR 5.100. Because of this, housing activities to be counted toward meeting a Consolidated Plan goal of housing for the elderly must use the definition in 24 CFR 5.100, 62 years or older. Emergency Shelter Grant (ESG) Emergency Shelter Grant Program is a federally funded program designed to help, improve and maintain the quality of existing emergency shelters for the homeless. ESG helps emergency shelters meet the costs of operating emergency shelters and of providing certain essential social services to homeless individuals so that these persons have access to a safe and sanitary shelter, and to the supportive services and other kinds of assistance they need to improve their situations. The program is also intended to prevent the increase of homelessness through the funding of preventive programs and activities. Emergency Shelter Any facility with overnight sleeping accommodations, the primary purpose of which is to provide temporary shelter for the homeless in general or for specific populations of the homeless. Entitlement An underlying formula governing the allocation of Block Grant funds to eligible recipients. Entitlement grants are provided to larger urban cities (i.e. population greater than 50,000) and larger urban counties (greater than 200,000). Federal National Mortgage Association (Fannie Mae) A federally chartered, stockholder owned corporation which supports the secondary market for both conventional mortgages and mortgages insured by the FHA and guaranteed by VA. Financing Functions necessary to provide the financial resources to fund government operations and federal assistance including the functions of taxation, fee and revenue generation, public debt, deposit funds, and intra governmental collections. First-time Homebuyer An individual or family who has not owned a home during the three-year period preceding the assisted purchase of a home that must be occupied as the principal residence of the homebuyer. Any individual who is a displaced homemaker or a single parent may not be excluded from consideration as a first-time homebuyer on the basis that the individual, while a homemaker or married, owned a home with his or her spouse or resided in a home owned by the spouse. Fiscal Year Any yearly accounting period, regardless of its relationship to a calendar year. Full Time Equivalent (FTE) One FTE is 2,080 hours of paid employment. The number of FTEs is derived by summing the total number of hours (for which included categories of employees) are paid by the appropriate categories of employees and dividing by 2,080 hours (one work-year). Appropriate categories include, but are not limited to, overtime hours, hours for full-time permanent employees, temporary employees, and intermittent employees who may not have been paid for an entire reporting period. ---PAGE BREAK--- FHIC Analysis of Impediments 326 Final Report: 10/27/09 Grant A federal grant may be defined as a form of assistance authorized by statute in which a federal agency (grantor) transfers something of value to a party (the grantee) usually, but not always, outside the federal government, for a purpose, undertaking, or activity of the grantee which the government has chosen to assist, to be carried out without substantial involvement on the part of the federal government. The “thing of value” is usually money, but may, depending on the program legislation, also includes property or services. The grantee, again depending on the program legislation, may be a state or local government, a nonprofit organization, or a private individual or business entity. HOME The Home Investment Partnership Program, which is authorized by Title II of the National Affordable Housing Act. This federally funded program is designed to expand the housing, for very low-income people. And, to make new construction, rehabilitation, substantial rehabilitation, and acquisition of such housing feasible, through partnerships among the federal government, states and units of general local government, private industry, and nonprofit organizations able to utilize effectively all available resources. HOME Funds Funds made available under the HOME Program through allocations and reallocations, plus all repayments and interest or other return on the investment of these funds. Homeless Family Family that includes at least one parent or guardian and one child under the age of 18, a homeless pregnant woman, or a homeless person in the process of securing legal custody of a person under the age of 18. Homeless Individual An unaccompanied youth (18 years or younger) or an adult (18 years or older) without children who is homeless (not imprisoned or otherwise detained pursuant to an Act of Congress or a State law), including the following: 1) An individual who lacks a fixed, regular, and adequate nighttime residence; and 2) An individual who has a primary nighttime residence that is: i) A supervised publicly or privately operated shelter designed to provide temporary living accommodations (including welfare hotels, congregate shelters, and transitional housing for the mentally ill); ii) An institution that provides a temporary residence for individuals intended to be institutionalized; or A public or private place not designed for, or ordinarily used as, a regular sleeping accommodation for human beings. Homeless Subpopulation Include but are not limited to the following categories of homeless persons: severely mentally ill only, alcohol/drug addicted only, severely mentally ill and alcohol/drug addicted, fleeing domestic violence, youth and persons with HIV/AIDS. HOPWA Housing Opportunities for People With AIDS is a federal program designed to provide States and localities with resources and incentives to devise long-term comprehensive strategies for meeting the housing needs of persons with acquired immunodeficiency (AIDS) or related diseases and their families. The program ---PAGE BREAK--- FHIC Analysis of Impediments 327 Final Report: 10/27/09 authorizes entitlement grants and competitively awarded grants for housing assistance and services. Household Household means all the persons who occupy a housing unit. The occupants may be single family, one person living alone, two or more families living together, or any other group of related or unrelated persons who share living arrangements. HUD Created as part of President Lyndon B. Johnson's War on Poverty, the Department of Housing and Urban Development (HUD) was established as a Cabinet Department by the Department of Housing and Urban Development Act (42 U.S.C. 3532-3537), effective November 9, 1965. It consolidated a number of other older federal agencies. The Department of Housing and Urban Development is the Federal agency responsible for national policy and programs that: address America's housing needs; improve and develop the Nation's communities; and enforce fair housing laws. HUD's mission is helping create a decent home and suitable living environment for all Americans. It has given America's cities a strong national voice at the Cabinet level. HUD Income Levels Income levels serve as eligibility criteria for households participating in federally funded programs. Extremely Low-income Family whose income is between 0 and 30 percent of the median income for the area, as determined by HUD with adjustments for smaller and larger families, except that HUD may establish income ceilings higher or lower than 30 percent of the median for the area on the basis of HUD’s findings that such variations are necessary because of prevailing levels of construction costs or fair market rents, or unusually high or low family incomes. Low-income Low-income families whose income does not exceed 50 percent of the median income for the area, as determined by HUD with adjustments for smaller and larger families, except that HUD may establish income ceilings higher or lower than 50 percent of the median for the area on the basis of HUD’s findings that such variations are necessary because of prevailing levels of construction costs or fair market rents, or unusually high or low family incomes. Middle Income Family whose is between 80 percent and 95 percent of the median area income for the area, as determined by HUD, with adjustments for smaller and larger families, except that HUD may establish income ceilings higher or lower than 95 percent of the median for the area on the basis of HUD’s findings that such variations are necessary because of prevailing levels of construction costs or fair market rents, or unusually high or low family incomes. Moderate-income Family whose income does not exceed 80 percent of the median income for the area, as determined by HUD, with adjustments for smaller and larger families, except that HUD may establish income ceilings higher or lower than 80 percent of the median for the area on the basis of HUD’s findings that such variations ---PAGE BREAK--- FHIC Analysis of Impediments 328 Final Report: 10/27/09 are necessary because of prevailing levels of construction costs or fair market rents, or unusually high or low family incomes. Jurisdiction A State or unit of general local government. Large Family Family of five or more persons. Lead-based paint hazards Any condition that causes exposure to lead from lead- contaminated dust, lead-contaminated soil, lead-contaminated pain that is deteriorated or present in accessible surfaces, friction surfaces, or impact surfaces that would result in adverse human health effects as established by the appropriate Federal agency. Letter of Credit Line of credit to a grant recipient established at a time of approval of application. Liability Assets owed for items received, services received, assets acquired, construction performed (regardless of whether invoices have been received), an amount received but not yet earned, or other expenses incurred. Neighborhood Stabilization Program (NSP) Created to aid communities affected by foreclosure and abandonment through purchase and redevelopment. NSP1 refers to grants to state and local governments given on a formula basis and authorized under Division B, Title III of the Housing and Economic Recovery Act of 2008. NSP2 refers to funds allocated to states, local governments, nonprofits and consortiums on a competitive basis through funds authorized from the American Recovery and Reinvestment Act of 2009. Overcrowded For purposes of describing relative housing needs, a housing unit containing more than one person per room, as defined by U.S. Census Bureau, for which the Census Bureau makes data available. Person with a Disability A person who is determined to: 1) Have a physical, mental or emotional impairment that: i) Is expected to be of long-continued and indefinite duration; ii) Substantially impedes his or her ability to live independently; and iii) Is of such a nature that the ability could be improved by more suitable housing conditions; Or 2) Have a developmental disability, as defined in section 102(7) of the Developmental Disabilities Assistance and Bill of Rights Act (42 U.S.C. 6001-6007); or 3) Be the surviving member or members of any family that had been living in an assisted unit with the deceased member of the family who had a disability at the time of his or her death. Private Non-profit Organization A secular or religious organization described in section 501 of the Internal Revenue Code of 1988 which: is exempt from taxation under ---PAGE BREAK--- FHIC Analysis of Impediments 329 Final Report: 10/27/09 subtitle A of the Code; has an accounting system and a voluntary board; and practices nondiscrimination in the provision of assistance. Program An organized set of activities directed toward a common purpose or goal that an agency undertakes or proposes to carry out its responsibilities. Program Income Program income is the gross income received by the recipient and its subrecipients* directly generated from the use of CDBG funds. For those program income- generating activities that are only partially assisted with CDBG funds, such income is prorated to reflect percentage of CDBG funds that were used. Reference 24 CFR 570.500(a). Examples: (Note: This list in NOT exclusive and therefore other types of funds may also constitute CDBG program income.) • proceeds from the disposition by sale or long-term lease (15 years or more) of real property purchased or improved with CDBG funds. • proceeds from the disposition of equipment bought with CDBG funds. • gross income from the use or rental of real property that has been constructed or improved with CDBG funds and that is owned (in whole or in part) by the recipient or subrecipient. Costs incidental to the generation of the income are deducted from the gross income. • payments of principal and interest on loans made using CDBG funds. • proceeds from the sale of loans made with CDBG funds. • proceeds from the sale of obligations secured by loans made with CDBG funds. • any interest earned on funds held in a revolving fund account. • any interest earned on program income pending its disposition. • funds collected through special assessments that are made against properties owned and occupied by non-low and moderate- income households where the assessments have been made to recover some or all of the CDBG portion of a public improvement. Reference: 570.500(a)(1) Program income does not include the following examples: • interest earned on grant advances from the U.S. Treasury. Any interest earned on grant advances is required to be returned to the U.S. Treasury. • proceeds from fund-raising activities carried out by subrecipients that are receiving CDBG assistance to implement eligible activities. • funds collected through special assessments that have been made to recover the non- CDBG portion of a public improvement. • proceeds from the disposition by the grantee of real property that has been acquired or improved with CDBG funds when the disposition occurs after grant closeout for entitlement grantees. • proceeds from the disposition of real property that has been acquired or improved with CDBG funds where the disposition occurs within a five year period (or more if so determined by the grantee) after the expiration of the agreement between the grantee and subrecipient for that specific agreement where the CDBG funds were provided for the acquisition or improvement of the subject property. Note: This list is not all-inclusive. ---PAGE BREAK--- FHIC Analysis of Impediments 330 Final Report: 10/27/09 *Subrecipient means a public or private nonprofit agency, authority, or organization or an authorized for-profit entity receiving CDBG funds from the recipient or another subrecipient to undertake activities eligible for such assistance. The term excludes an entity receiving CDBG funds from the recipient unless the grantee explicitly designates it as a subrecipient. The term includes a public agency designated by a unit of general local government to receive a loan guarantee, but does not include contractors providing supplies, equipment, construction, or services subject to the procurement requirements as applicable. Project A planned undertaking of something to be accomplished, produced, or constructed, having a finite beginning and finite end. Examples are a construction project or a research and development project. Rehabilitation Labor, materials, tools, and other costs of improving buildings, including repair directed toward an accumulation of deferred maintenance; replacement of principal fixtures and components of existing buildings; installation of security devices; and improvement through alterations or incidental additions to, or enhancement of, existing buildings, including improvements to increase the efficient use of energy in buildings, and structural changes necessary to make the structure accessible for persons with physical handicaps. Rehabilitation also includes the conversion of a building to an emergency shelter for the homeless, where the cost of conversion and any rehabilitation costs do not exceed 75 percent of the value of the building before conversion. Rehabilitation must meet local government safety and sanitation standards. For projects of 15 or more units where rehabilitation costs are 75 percent or more of the replacement cost of the building, that project must meet the accessibility requirement of Section 504 of the Rehabilitation Act of 1973; or where rehabilitation costs are less than 75 percent of the replacement cost of the building, that project must meet the requirements of 24 CFR 8.23b. Rental Assistance Rental assistance payments provided as either project-based rental assistance or tenant-based rental assistance. Otherwise known as the Section 8 Rental Assistance Payments Program and variations thereof. Renovation Rehabilitation that involves costs of 75 percent or less of the value of the building before rehabilitation. Request for Proposals (RFP) A RFP is the instrument used to solicit proposals/offers for proposed contracts using the negotiated procurement method. Section 108 Loan Guarantee Program The Section 108 Loan Guarantee Program involves a federal guarantee on local debt allowed under Section 108 of the Housing and Community Development Act of 1974, as amended. This section of the Act allows public ---PAGE BREAK--- FHIC Analysis of Impediments 331 Final Report: 10/27/09 entities, such as the Clackamas County, to issue promissory notes through HUD to raise money for eligible large-scale community and economic development activities. HUD guarantees these notes, which are sold on the private market in return for a grantee's pledge of its future CDBG funds and other security for the purpose of debt repayment. Section 108 activities must satisfy CDBG eligibility and national objective criteria as well as Section 108 regulations and guidelines. Senior A person who is at least 55 years of age. For senior housing activities, a senior is a person who is at least 62 years of age. (Seniors and “elderly” are terms that are often interchangeable.) Shelter Plus Care A federally funded McKinney Act Program designed to provide affordable housing opportunities to individuals with mental and/or physical disabilities. SRO (Single Room Occupancy) A unit for occupancy by one person, which need not but may contain food preparation or sanitary facilities, or both. State Any State of the United States and the Commonwealth of Puerto Rico. Subsidy Generally, a payment or benefit made where the benefit exceeds the cost to the beneficiary. Substantial Rehabilitation Rehabilitation of residential property at an average cost for the project in excess of $25,000 per dwelling unit. Supportive Housing Services provided to residents of supportive housing for the purpose of facilitating the independence of residents. Some examples are case management, medical or counseling and supervision, childcare, transportation, and job training. Supportive Housing Program (SHP) The Supportive Housing Program promotes the development of supportive housing and supportive services, including innovative approaches that assist homeless persons in the transition from homelessness and enable them to live as independently as possible. SHP funds may be used to provide transitional housing, permanent housing for persons with disabilities, innovative supportive housing, supportive services, or safe havens for the homeless. Transitional Housing Is designed to provide housing and appropriate supportive services to persons, including (but not limited to) deinstitutionalized individuals with disabilities, homeless individuals with disabilities, and homeless families with children. Also, it is housing with a purpose of facilitating the movement of individuals and families to independent living within a time period that is set by the County or project owner before occupancy. ---PAGE BREAK--- FHIC Analysis of Impediments 332 Final Report: 10/27/09