CITY OF MCKEESPORT, PENNSYLVANIA 500 Fifth Avenue McKeesport Pennsylvania 15132 ANALYSIS OF IMPEDIMENTS TO F AIR HOUSING CHOICE 500 Fifth Avenue, McKeesport, Pennsylvania 15132 UPDATED: FEBRUARY 2011 Regis T. McLaughlin, Honorable Mayor City Council: Michael E. Cherepko Richard Dellapenna Loretta M. Diggs l ll Dale McCall Darryl Segina Alfred Tedesco, Jr. V. Fawn Walker Dennis Pittman, City Administrator Bethany Budd Bauer, CDBG Coordinator Prepared For: City of McKeesport Department of Community Development Prepared By: Urban Design Ventures LLC Prepared By: Urban Design Ventures, LLC 212 East Seventh Avenue Homestead, PA 15120
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CITY OF MCKEESPORT, PENNSYLVANIA500 Fifth Avenue McKeesport Pennsylvania 15132
ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE
500 Fifth Avenue, McKeesport, Pennsylvania 15132
UPDATED: FEBRUARY 2011
Regis T. McLaughlin, Honorable Mayor
City Council:Michael E. CherepkoRichard DellapennaLoretta M. Diggs
l llDale McCallDarryl SeginaAlfred Tedesco, Jr. V. Fawn Walker
Dennis Pittman, City Administrator
Bethany Budd Bauer,CDBG Coordinator
Prepared For: City of McKeesportDepartment of Community Development
Prepared By: Urban Design Ventures LLCPrepared By: Urban Design Ventures, LLC212 East Seventh AvenueHomestead, PA 15120
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 1
I. Introduction ............................................................................................................. 7
II. Background Data .................................................................................................... 8
A. Population, Race and Ethnicity ....................................................................... 8
B. Households ................................................................................................... 13
C. Income and Poverty ...................................................................................... 17
D. Employment .................................................................................................. 20
E. Housing Profile .............................................................................................. 22
F. Financing ....................................................................................................... 24
G. Household Types .......................................................................................... 30
H. Cost Overburden ........................................................................................... 32
I. Housing Problems ......................................................................................... 35
J. Disabled Households .................................................................................... 37
III. Review/Update to Original Plan ............................................................................ 39
A. Summary of Impediments – May 2005: ......................................................... 39
IV. Impediments to Fair Housing 2010 ....................................................................... 43
A. Fair Housing Complaints ............................................................................... 43
B. Public Sector ................................................................................................. 51
C. Private Sector ................................................................................................ 60
D. Citizen Participation ...................................................................................... 68
E. Potential Impediments and Recommendations ............................................. 68
V. Certification ........................................................................................................... 69
VI. Appendix ............................................................................................................... 70
A. Appendix A – Demographic Data .................................................................. 71
B. Appendix B – Maps ....................................................................................... 72
C. Appendix C – Home Mortgage Disclosure Act Data ...................................... 73
D. Appendix D – HUD-CHAS Data .................................................................... 74
E. Appendix E – Meeting Summaries ................................................................ 75
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 2
Executive Summary The City of McKeesport, Pennsylvania is an entitlement community under the U.S. Department of Housing and Urban Development’s (HUD) Community Development Block Grant Program (CDBG). In accordance with the Housing and Community Development Act of 1974, as amended, each entitlement community must “affirmatively further fair housing.” In order to “affirmatively further fair housing,” each entitlement community must conduct a Fair Housing Analysis which identifies any impediments to fair housing choice. The City of McKeesport prepared an Analysis of Impediments to Fair Housing Choice in 1992 and updates in 2001 and 2005. The City has prepared this 2010 Update to the Analysis of Impediments to Fair Housing Choice to bring the City into sequence with its FY 2010-2014 Five Year Consolidated Plan. This analysis focuses on the status and interaction of six (6) fundamental conditions within the community:
The sale or rental of dwellings (public or private);
The provision of housing brokerage services;
The provision of financial assistance for dwellings;
Public policies and actions affecting the approval of sites and other building requirements used in the approval process for the construction of publicly assisted housing;
The administrative policies concerning community development and housing activities, which affect opportunities of minority households to select housing inside or outside areas of minority concentration; and
Where there is a determination of unlawful segregation or other housing discrimination by a court or a finding of noncompliance by HUD regarding assisted housing in a recipient’s jurisdiction, an analysis of the actions which could be taken by the recipient to remedy the discriminatory condition, including actions involving the expenditure of funds made available under 24 CFR Part 570.
The Fair Housing Act prohibits discrimination against persons based on their race, color, religion, sex, national origin, disability, or familial status in the sale, rental, and financing of housing. This Analysis of Impediments seeks to identify any discrimination that may occur in the City of McKeesport which consequently could limit housing choice. The methodology employed to undertake this Analysis of Impediments included:
Research
- A review of the City’s Zoning Ordinance, Comprehensive Plan, land use policies and procedures was undertaken
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 3
- Demographic data for the City was analyzed from the U.S. Census and the HUD-CHAS data and tables, and HMDA data
- A review of the real estate and mortgage practices was undertaken
Interviews & Meetings
- Meetings and/or interviews were conducted with the McKeesport Housing Authority, community and social service/advocacy agencies for the disabled, housing providers, the Realtors Association of Metropolitan Pittsburgh, the Pittsburgh Commission on Human Relations, the Fair Housing Partnership of Greater Pittsburgh, and city staff members.
- Surveys were sent to the McKeesport Housing Authority, community and social service agencies, banks, and the Realtors Association of Metropolitan Pittsburgh. Follow up phone calls were made when an organization neither returned a survey nor attended a meeting.
Analysis of Data
- Low- and moderate-income areas were identified
- Concentrations of minority populations were identified
- Fair housing awareness in the community was evaluated
- Distribution of public and assisted housing units was analyzed
- The location of CDBG expenditures throughout the City was analyzed
Potential Impediments
- Public sector policies that may be viewed as impediments were analyzed
- Private sector policies that may be viewed as impediments were analyzed
The City of McKeesport’s 2010 Update to the City’s Analysis of Impediments to Fair Housing Choice has identified the following impediments, as well as defined specific goals and strategies to address each impediment.
IMPEDIMENT No. 1: FAIR HOUSING EDUCATION, ADVOCACY, MONITORING, AND ENFORCEMENT – There is a need for increased awareness of an individual’s rights under the Fair Housing Act and a need for continued monitoring and enforcement of the Fair Housing Act.
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Analysis of Impediments to Fair Housing Choice 2010 Update Page 4
GOAL – Increase awareness of tenant rights, landlord responsibilities, and work to eliminate any discriminatory practices in the sale or lease of houses through education, advocacy, monitoring, and enforcement, to provide fair housing opportunities to all individuals and families. The Strategies to meet this goal include:
- 1-A: Fund and support public education, training, and programs concerning the rights and responsibilities covered by the Fair Housing Act.
- 1-B: Evaluate the role of the McKeesport Human Relations Commission in developing, maintaining and supporting efficient and effective fair housing monitoring, education, and enforcement strategies.
- 1-C: Support and promote the delivery of housing counseling programs and credit counseling for low-income and minority households.
- 1-D: Support and promote the delivery of fair housing services to at-risk groups and victims of housing discrimination.
- 1-E: Include fair housing information and contacts on the City website.
- 1-F: Continue to raise awareness of fair housing through the creation of an educational brochure and proclaiming Fair Housing Month.
IMPEDIMENT No. 2: CONCENTRATION OF LOW-INCOME AND MINORITY GROUPS – There are concentrations of low-income and minority households in certain areas of the City.
GOAL – Promote new affordable housing choices outside areas of low-income and minority concentration in order to lessen concentrations in impacted areas. The Strategies to meet this goal include:
- 2-A: Increase the supply of affordable housing opportunities for low-income and minority households outside of the areas of concentration.
- 2-B: Support opportunities and financial incentives to develop mixed-income housing in areas with high concentration of low-income and minority households.
- 2-C: Increase homeownership opportunities for low-income households by providing funds, or causing to provide, for housing counseling, credit counseling, and downpayment assistance.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 5
IMPEDIMENT No. 3: HOUSING ACCESSIBILITY – The supply of accessible, affordable housing that is decent, safe, and sound does not meet the demand, resulting in limited housing options for persons who are physically challenged.
GOAL – Increase the supply of decent, safe, and sound housing that is both affordable and accessible to low- and moderate-income households who are physically challenged and/or the frail elderly. The Strategies to meet this goal include:
- 3-A: Provide financial and technical assistance for homeowners and landlords seeking to rehabilitate housing units to make accessibility improvements to their properties.
- 3-B: Increase the number of accessible public housing units, particularly for the elderly.
- 3-C: Support applications from non-profit agencies for Federal funds under the HUD Section 811 and 202 Supportive Housing Programs and state funds through PHFA to develop accessible, affordable housing for persons who are physically challenged and the elderly.
- 3-D: Support educational programs to inform the public of the need for accessible housing in the City.
IMPEDIMENT No. 4: PUBLIC POLICIES – The City of McKeesport regulates land use through its Zoning Ordinance, Building Codes, and Code Enforcement program. Some of these policies are outdated and may be too restrictive as they are currently written.
GOAL – Update the City’s policies and procedures to comply with the Fair Housing Act. The Strategies to meet this goal include:
- 4-A: The City will review the City’s Zoning Ordinance and update restrictive definitions.
- 4-B: The City will ensure that the Zoning Ordinance is in accordance with, and makes reference to, the Fair Housing Act, the Americans with Disabilities Act, and other Federal and State laws.
- 4-C: Review the City’s Zoning Ordinance with regard to the location of shelters, supportive housing and transitional housing in various zoning districts.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 6
IMPEDIMENT No. 5: PUBLIC TRANSPORTATION – Public transportation within the City of McKeesport and between the City and other regional employment centers such as the City of Pittsburgh is limited and there is the threat of additional service cuts.
GOAL – To maintain current public transportation and advocate for increased service.
The Strategies to meet this goal include:
- 5-A: Educate the community on how to provide feedback to the Port Authority of Allegheny County to ensure that the Port Authority is aware of the transportation needs in the City of McKeesport.
- 5-B: Support transportation services such as ACCESS so that elderly community members may continue to have reliable transportation services.
- 5-C: Work with the Port Authority of Allegheny County to ensure that service routes meet the needs of McKeesport Residents.
IMPEDIMENT No. 6: ECONOMIC OPPORTUNITIES – There is a lack of
economic opportunities and jobs in the City of McKeesport, making it difficult for low-income households to maintain or improve their living conditions. GOAL – Increase job opportunities to increase household income, allowing for more housing choices. The Strategies to meet this goal include:
- 6-A: Support the flyover to the McKeesport Industrial Park.
- 6-B: Promote Entrepreneurship and small business development to provide economic opportunities to low-income persons.
- 6-C: Support and enhance workforce development and job training to improve job skills for the unemployed and underemployed.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 7
I. Introduction The City of McKeesport is an entitlement community under the U.S. Department of Housing and Urban Development’s Community Development Block Grant Program. In accordance with the Housing and Community Development Act of 1974, as amended, each entitlement community must “affirmatively further fair housing.” In order to “affirmatively further fair housing” the community must conduct a Fair Housing Analysis which identifies any impediments to fair housing choice. HUD defines “fair housing choice” as:
“The ability of persons, regardless of race, color, religion, sex, national origin, familial status, or handicap, of similar income levels to have available to them the same housing choices.”
The Fair Housing Analysis consists of the following six (6) conditions:
The sale or rental of dwellings (public or private);
The provision of housing brokerage services;
The provision of financial assistance for dwellings;
Public policies and actions affecting the approval of sites and other building requirements used in the approval process for the construction of publicly assisted housing;
The administrative policies concerning community development and housing activities, which affect opportunities of minority households to select housing inside or outside areas of minority concentration; and
Where there is a determination of unlawful segregation or other housing discrimination by a court or a finding of noncompliance by HUD regarding assisted housing in a recipient’s jurisdiction, an analysis of the actions which could be taken by the recipient to remedy the discriminatory condition, including actions involving the expenditure of funds made available under 24 CFR Part 570.
The City of McKeesport prepared an Analysis of Impediments to Fair Housing Choice in May 2005 and has prepared this 2010 Update to the City’s Analysis of Impediments to Fair Housing Choice. This 2010 Update will outline progress that has been made since the previous Analysis of Impediments in May 2005, explore the continuation of these impediments where necessary, and identify any new impediments to fair housing choice. Furthermore, this Analysis of Impediments will bring the City into the same time sequence as the City’s FY 2010-2014 Five Year Consolidated Plan. The document is designed to act as a planning tool, providing the City of McKeesport with the necessary framework to strategically reduce the identified impediments to fair housing choice over the next five (5) years.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 8
II. Background Data In order to perform an analysis of fair housing in the City of McKeesport, the demographic and socio-economic characteristics of the City were evaluated as a basis for determining and identifying any existing impediments to fair housing choice. The City of McKeesport has a rich history as a port at the confluence of the Monongahela and Youghiogheny Rivers settled in 1795 by John McKee. McKeesport became a booming steel town and at its peak, the City was home to approximately 55,000 residents in 1940. Until the 1980’s, McKeesport was an industrial city like many formidable manufacturing areas in the Mon Valley. Much like many other industrial cities, the City of McKeesport has suffered from a decreasing number of available jobs and a shrinking population resulting from declining industry. McKeesport is also the home of the original G.C. Murphy Variety Store. Based on the size of the City of McKeesport, the information from the 2000 U.S. Census is the most recently complete set of data available. However, the 2006-2008 American Community Survey offers recent estimations of general demographics of the City of McKeesport. This Census data, along with other databases such as the CHAS Data, have been used to evaluate the City of McKeesport’s demographic and socio-economic characteristics, as well as other conditions affecting fair housing choice. Appendix A of this report contains extensive demographic data that is summarized and/or illustrated in the following sections.
A. Population, Race and Ethnicity:
At the time of the 1990 Census, the City of McKeesport had a population of 26,016. The total population for the City of McKeesport at the time of the 2000 census was 24,040. The U.S. Census Bureau estimates that the City of McKeesport’s total population in 2009 was 22,076. The City saw a population decrease of 1,976 people between 1990 and 2000, or a decrease of 7.6%. Between 2000 and 2009, the City had an estimated population loss of 1,964 people, or a decrease of 8.2%. Since 1990, the City has had a total population loss of more than 15%. Table II-1 below illustrates that “White alone” (72.4%) was the largest racial cohort and “Black or African American alone” (24.5%) was the largest minority cohort. All other races, and persons of two or more races, comprised only 3.1% of the population.
Table II-1 – Race Statistics
Items No. of Persons Percentage
Total 24,040 100%
One race 23,526 97.9%
White alone 17,406 72.4%
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Analysis of Impediments to Fair Housing Choice 2010 Update Page 9
Black or African American alone 5,881 24.5%
American Indian and Alaska Native alone 66 0.3%
Asian alone 30 0.1%
Native Hawaiian and Other Pacific Islander alone
2 0.0%
Some other race alone 141 0.6%
Two or more races 514 2.1% Source: 2000 U.S. Census Data
The City of McKeesport’s total percentage of minority population (non-white alone) was 27.6% in 2000. This was an increase from the 1990 U.S. Census when the City of McKeesport had a minority population of 18.1%. The 2006-2008 American Community Survey estimates that the minority population in the City of McKeesport has continued to increase to approximately 30.8%. Census Tracts 5513, 5524, and a portion of Census Tracts 5512, 5519, and 5522 have the greatest percentage of white population in the City of McKeesport. As indicated in the maps below, the darker block groups in the center of the city, particularly along the rivers, have the lowest percentage of white population. On the other hand, the center portion of the City has the highest concentration of minority population. The maps support the fact that the population of the City of McKeesport is disproportionately distributed across census tracts and block groups by race. However, many affordable public housing developments built more than sixty years ago are located in the areas of high minority population. The locations of these developments likely compound the demographics of race and income in the block groups. Additionally, Harrison Village Building 16 a public housing high rise demolished several years ago. The residents of
this building were allowed to select the location of the replacement units. These residents chose the downtown portion of the City as the site for approximately 20-40 new units to be constructed. The City has made efforts to diversify neighborhoods, but
White Population
Minority Population
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 10
the location of these units were based on the residents desired location. Included at in Appendix B are maps that illustrate the total population by block group, the percentage of the population by block group that is white, and the percentage of the population by block group that is a minority. Table II-2 below highlights the ethnicities of McKeesport residents at the time of the 2000 U.S. Census. Estimations of the ethnicities of McKeesport residents from the 2006-2008 American Community Survey are also included in the table below.
Table II-2 – Ethnicity and Ancestry
ANCESTRY 2000 U.S. Census 2006-2008 American Community Survey
Number Percent Number Percent
Total population 24,021 100.0% 19,713 100.0%
American 1,029 4.3% 580 2.9%
Arab 53 0.2% 0 0.0%
Czech 145 0.6% 34 0.2%
Danish 8 0.0% 0 0.0%
Dutch 107 0.4% 29 0.1%
English 1,476 6.1% 1,775 9.0%
French (except Basque) 175 0.7% 96 0.5%
French Canadian 34 0.1% 0 0.0%
German 3,852 16.0% 3,383 17.2%
Greek 104 0.4% 124 0.6%
Hungarian 945 3.9% 744 3.8%
Irish 3,020 12.6% 2,563 13.0%
Italian 2,280 9.5% 2,556 13.0%
Lithuanian 36 0.1% 175 0.9%
Norwegian 5 0.0% 0 0.0%
Polish 1,839 7.7% 1,663 8.4%
Portuguese 17 0.1% 0 0.0%
Russian 233 1.0% 155 0.8%
Scotch-Irish 307 1.3% 261 1.3%
Scottish 315 1.3% 278 1.4%
Slovak 1,340 5.6% 1,591 8.1%
Sub-Saharan African 221 0.9% 125 0.6%
Swedish 366 1.5% 242 1.2%
Swiss 16 0.1% 0 0.0%
Ukrainian 102 0.4% 87 0.4%
Welsh 289 1.2% 105 0.5%
West Indian (excluding Hispanic origin groups) 86 0.4% 33 0.2%
Other ancestries 7,164 29.8% ‐‐ ‐‐
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 11
The most common ethnicities in the City of McKeesport include German, Irish, and Italian. English, Slovak, and American descendents are also common in the City. Between 2000 and 2008, there was some fluctuation in the makeup of the City, but the most common ethnicities remain in the same proportion, despite some increases and decreases in the population of each. The most noteworthy population decreases are of residents of Arab, Czech, Dutch, Russian, Swedish, Welsh, and West Indian. The ethnicities with the most notable increases in population between 2000 and the 2006-2008 estimate include English, Italian, Lithuanian, and Slovak. These estimated trends may indicate a shift in the ethnic demographics of the City. Chart II-1 below illustrates age distribution within the City at the time of the 2000 U.S. Census. Children under five years of age represented 6.9% of the population; 27.7% of the City’s population was under 20 years of age; and 20.9% was 65 years of age or older.
Chart II-1 – Age of Population
Source: 2000 U.S. Census Data
The median age in the City of McKeesport at the time of the 2000 U.S. Census was 39.7 years. The median age in Allegheny County was similar at 39.6 years, and the median age in the Commonwealth of Pennsylvania was 38 years. The Census Bureau estimated during the 2006-2008 American Community Survey that the median age in the City of McKeesport decreased slightly to 38.8 years. During this same period, it is estimated that the median age in Allegheny County and the Commonwealth increased to 41.8 years and 39.7 years, respectively. The median age in the City of McKeesport does not appear to be increasing as quickly as the County or the Commonwealth. However, a significant portion of the population is over the age of 65, indicating that there is still a need for housing and services for the aging population. Included in Appendix B is a map highlighting the percentage of the population in the City of McKeesport that is over the age of 65. Census Tract 5521, Block Group 2 has the
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 12
highest population over the age of 65, as a percentage of the total population of that Block Group. Note: This Block Group also has 38% of its residents who are white, and 62% of its residents who are minority. The high percentage of elderly is as a result of the Isbir Manor which contains 73 units of elderly housing. This project is owned and operated by the McKeesport Housing Authority.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 13
B. Households: Household Tenure According to the U.S. Census for 2000, there were 9,655 households in the City of McKeesport. Of these households, 60% were owner occupied and 40% were renter occupied. The 2006-2008 American Community Survey estimates that the percentage of owner-occupied units had decreased to 54.6% and the percentage of renter-occupied units had increased to 45.4%.
In 2000, the average size of the owner-occupied households was 2.42 persons and the average renter household was 2.25 persons. Chart II-2 illustrates household size breakdown for owner and renter households.
Chart II-2 – Household Tenure by Size
Source: 2000 U.S. Census
Included in Appendix B is a map of the total number of housing units by block group in the City of McKeesport. Also, there are two maps illustrating the distribution of renter and homeowner occupied housing units across the City at the time of the 2000 U.S. Census. As shown in the maps below, the areas of the City with the greatest renter occupied population are located largely along the rivers, as indicated by the darker blue shade in the Block Groups. Conversely, the block groups with the highest owner-occupied population are located in the southern portion of the City. The areas in the City with the highest rates of renter-occupied housing also have the greatest percentage of minority population. The Block Groups along the rivers and in the center of the City have the greatest portion of renter-occupied housing. Census Tract 5519 Block Group 2, Census Tract 5521 Block Group 2, and Census Tract 5512 Block Group 1 have the highest percentage of renter-occupied housing. Many of the assisted housing developments and high rises are located in the areas of the City that have the highest
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 14
rate of renter-occupied housing. Similarly, the block groups that have the highest homeownership rates also have the greatest white populations. The greatest percentage of owner-occupied housing in the City of McKeesport can be found in the southeastern portion of the City, particularly Census Tract 5513, Census Tract 5524 Block Groups 1 and 2, Census Tract 5520 Block Group 3, and Census Tract 5512 Block Group 2.
There are additional maps in Appendix B that illustrate the Section 8 Voucher distribution and locations of HUD assisted housing relative to housing tenure and minority population.
Table II-3 compares homeowners and renters by race. This table shows that “White” households represent the largest percentage of homeownership (91.8%) with “Black or African American” households comprising only 6.5% of the total homeowners.
Table II-3 – Household Tenure by Race
2000 U.S. Census 2006-2008 American Community Survey
Cohort Owner (60%)
Renter (40%)
Owner (54.6%)
Renter (45.4%)
Householder who is White alone 5,011 2,366 3,742 2,008
Householder who is Black or African American alone
730 1,378 771 1,699
Householder who is American Indian and Alaska Native alone
8 15 - -
Householder who is Asian alone 3 14 - -
Householder who is Native Hawaiian and Other Pacific Islander alone
0 1 - -
Householder who is some other race alone 16 18 - -
Householder who is two or more races 25 70 - -
Renter Occupied Housing
Owner Occupied Housing
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Of the total number of “White” households at the time of the 2000 U.S. Census, 68% are homeowners and 32% are renters. In comparison, of all “Black and African American” households, 34.6% are homeowners and 65.4% are renters. The Census Bureau also estimates household tenure by race as part of the 2006-2008 American Community Survey. The Census Bureau estimates that the City has experienced a further decrease in homeownership city-wide: for White only households, approximately 65% are estimated to be homeowners, and 35% are estimated to be renters; of households that are Black or African American alone, approximately 31% are estimated to be homeowners and an estimated 69% are renters. While the 2006-2008 American Community Survey, the U.S. Census Bureau estimates that the number of renter-occupied households is increasing and the number of owner-occupied households is decreasing on a citywide level, the disaggregated data by race shows slightly different trends. It is estimated that there has been a decrease in both the number of White householders who are homeowners and renters. The Census Bureau estimates an increase in Black or African American households who are renters and homeowners. HUD Assisted Housing
Low Income Housing Tax Credit (LIHTC) projects and other HUD assisted housing developments are located, for the most part, in the areas of the City with the highest renter-occupied housing – the areas nearest to the downtown area. Section 8 Voucher use is distributed throughout the middle section of the City in areas of both renter and owner occupied housing units. The areas of greatest Section 8 Voucher usage are not areas of the lowest income or greatest minority concentration. While many of the HUD Assisted and LIHTC developments are located in low- and moderate-income areas of the City, or areas of high minority concentration, it is important to note that the most recent developments have been built outside of these areas of concentration. Maps highlighting the LIHTC locations, HUD Assisted Housing locations, and Section 8 Voucher use across the City can be found in Appendix B. The McKeesport Housing Authority has continued to pursue additional LIHTC funds, but their recent applications have not been selected for funding. Families In 2000, families comprised 61.9% of households in the City; 28.6% of which included children less than 18 years of age. At the time of the 2006-2008 American Community Survey, it was estimate that the number of percentage of families decreased to 52.1% of all households in the City, with 26.4% having children under the age of eighteen. Twenty-one percent (21.0%) of families were female-headed households at the time of the 2000 U.S. Census. Chart II-3 illustrates characteristics of the 1,762 female-headed households in McKeesport at the time of the 2000 U.S. Census.
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Analysis of Impediments to Fair Housing Choice 2010 Update Page 16
Chart II-3 – Female-Headed Households
Of the female-headed households in the City of McKeesport at the time of the 2000 U.S. Census, approximately one third (37%) have related children under the age of 18. The 2006-2008 American Community Survey estimates that the portion of households that are female-headed households increased to 39.8% since the 2000 Census. Of these households, an estimated 47.2% have children under the age of 18 years old. The increase of female-headed households, particularly those with children under the age of 18, is a noteworthy trend. Social service and housing agencies should pay close attention to this trend and prepare to provide the necessary services. The McKeesport Housing Authority, recognizing the increasing number of families with children living in poverty, has increased the construction of housing for families. Currently, approximately two-thirds of their housing stock is for eligible families.
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C. Income and Poverty:
The 2000 Census reported that the per capita income in the City was $13,242 in 1999. The median household income for the City of McKeesport was $23,715, compared to $38,329 for Allegheny County, and $40,106 for the Commonwealth of Pennsylvania. Table II-4 highlights an overview of household income in 1999.
Table II-4 – Household Income in 1999
Items Number of
Households Percentage
Total Households 9,634 -
Less than $10,000 1,921 19.9%
$10,000 to $14,999 966 10.0%
$15,000 to $24,999 2,151 22.3%
$25,000 to $34,999 1,401 14.5%
$35,000 to $49,999 1,396 14.5%
$50,000 to $74,999 1,218 12.6%
$75,000 to $99,999 413 4.3%
$100,000 to $149,999 114 1.2%
$150,000 to $199,999 39 0.4%
$200,000 or more 15 0.2%
Median Household Income $23,715
Source: 2000 U.S. Census Data
According to the 2006-2008 American Community Survey, the Median Household Income in 2008 dollars increased to $25,005, meaning that 50% of households earn less than $25,005 each year. Allegheny County and the Commonwealth of Pennsylvania saw greater increases in Median Household Income to $47,851 and $50,272 respectively.
Table II-5 below identifies the Section 8 Income Limits in the Pittsburgh, PA HUD Metro Fair Market Rent Area based on household size for FY 2010.
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Note: The Median Family Household Income for a family of 4 living in the Pittsburgh HUD Metro Fair Market Rent Area is $63,000, compared to a median income of $25,005 for the City of McKeesport. This difference in median income of $38,000 highlights the stark income disparities that exist between the City of McKeesport and Allegheny County and the great need for assistance in the City.
Table II-6 below highlights the current low- and moderate-income population in the City of McKeesport. The block groups that have a population of more than 51% low- and moderate-income are indicated in bold.
Table II-6 – Low- and Moderate-Income Population in 2010
Analysis of Impediments to Fair Housing Choice 2010 Update Page 19
552200 1 1,435 693 879 1,332 66.0%
552300 1 1,021 489 664 1,068 62.2%
552300 2 564 297 436 568 76.8%
552300 3 779 331 441 789 55.9%
552300 4 713 336 564 745 75.7%
552400 1 723 331 324 692 46.8%
552400 2 1,050 506 487 1021 47.7%
552400 3 1,519 771 755 1,577 47.9% City of McKeesport
Total: 24,040 11,124 13,924 22,705 61.3%
Source: hud.gov
Approximately sixty-one percent (61.3%) of residents of the City of McKeesport are considered low- to moderate-income. The low- and moderate-income map for the City McKeesport is included in Appendix B. The areas of the City with the lowest income are those in the center of the City and along the rivers.
The City’s poverty statistics for families with children are significant. At the time of the 2000 U.S. Census, the percentage of some families with children living below the poverty level was as outlined in Table II-7 below.
Table II-7 – Percentage of Families with Children Living Below the Poverty Level
2000 U.S. Census
2006-2008 American Community Survey
Families with Related Children Under the Age of 18
29.6% 40.3%
Families with Related Children Under the Age of 5
35.4% 40.4%
Female-headed Households with Related Children Under the Age of 18
48.9% 47.2%
Female-headed Households with Related Children Under the Age of 5
53.5% 51.1%
Source: 2000 U.S. Census Data It is important to note that while the American Community Survey only presents an estimate, it is expected that the percentage of families with children living under the poverty level has increased since the previous Census.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 20
D. Employment:
In 2000, 52.3% of the City’s residents 16 years of age and over were considered a part of the labor force. The 2006-2008 American Community Survey estimates that approximately 51.2% of the population is currently in the labor force. Chart II-4 and Chart II-5 below illustrate the classes of workers and the occupations. Most workers in McKeesport hold service, management, and sales positions.
Chart II-4 – McKeesport Occupations
Source: 2000 U.S. Census Data
Chart II-5 – Class of Workers in McKeesport
Source: 2000 U.S. Census Data
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 21
Chart II-6 illustrates the unemployment rate trends for the City of McKeesport from January 2000 through May 2010 from the Bureau of Labor (www.bls.gov).
Chart II-6 – City of McKeesport Unemployment Rate
Source: http://data.bls.gov
The City of McKeesport has experienced a fluctuating unemployment rate, but the overall trend is an increasing unemployment rate since early 2008. In August 2010, the City of McKeesport’s unemployment rate of 12.2% exceeded that of Allegheny County (8.1%), the Commonwealth of Pennsylvania (9.2%), and the national average (9.6%). The high unemployment rate in the City of McKeesport suggests that there is a lack of jobs to support the City’s population. The City of McKeesport has experienced company closings over the past few years that have likely contributed to the City’s high unemployment rate. Most recently, Dish Network closed its McKeesport facility in March 2010, effectively eliminating 600 jobs in the City. Additionally, in the previous spring, Precoat Metals eliminated 180 jobs. City officials reached out to Dish Network and Precoat Metals to offer assistance in an effort to encourage these companies to remain in the City. At that time, the City was informed that the decision to close these locations came from corporate headquarters and could not be changed. To date, the City and County have been unsuccessful in recruiting new large employers to the City to replace these lost jobs. The City continues to recruit small businesses.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 22
E. Housing Profile:
Based on the 2000 Census Data, the City of McKeesport’s housing stock can be considered “older” since 49.2%, or almost fifty percent of it was constructed prior to 1939 and another 33.6% was constructed between 1940 and 1959. Therefore, over three quarters of the City’s housing stock (82.8%) was built prior to 1960 which is now 50 years ago.
Chart II-7 illustrates the year that housing structures were built in the City of McKeesport based on the 2000 U.S. Census Data.
Chart II-7 – Year Structure Built
Source: 2000 U.S. Census Data
In 2000, the City’s housing stock primarily consisted of single-family detached (67.8/%) and single-family attached (4.0%). In 2000, multi-family units in the City of McKeesport consisted of two units (7.7%), three to four units (5.4%), five to nine units (4.6%), ten to nineteen units (4.3%) and twenty units or more (6.0%). Mobile homes made up 0.2% of the housing stock. The median value of owner-occupied homes in the City of McKeesport in 2000 was $37,800 compared to $84,200 for Allegheny County and $97,000 for the Commonwealth of Pennsylvania. The 2006-2008 American Community Survey estimates that the median value of owner-occupied homes in the City of McKeesport has increased to approximately $46,000 (122% of median value in 2000), as compared to $112,800 (134% of median value in 2000) in Allegheny County and $155,400 (160% of median value in 2000) in the Commonwealth of Pennsylvania.
The Pittsburgh Metro Area has seen an overall decrease in the number of housing starts over the last seven (7) years. Table II-8 outlines the number of new construction projects annually in the Pittsburgh Metro Area from 2003 through 2009. In 2006, the area saw an increase in the construction of multi-family units as well as residential buildings containing five or more units.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 23
From 2006-2010, there were 102 residential building permits issued in the City of McKeesport.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 24
F. Financing:
Owner Costs
The median mortgage expense in the City of McKeesport for 2000 was $682. Table II-9 illustrates mortgage status and selected monthly owner costs. Almost half (49.4%) of all owner-occupied houses in McKeesport do not have mortgages. This could be a result of an aging population that has completely paid their mortgages. The chart below outlines the monthly owner costs of owner-occupied housing units in the City of McKeesport at the time of the 2000 U.S. Census.
Table II-9 – Mortgage Status and Selected Monthly Owner Costs
Monthly Owner Cost Number of
Housing Units Percentage
Houses with a mortgage 2,740 50.6%
Less than $300 36 0.7%
$300 to $499 508 9.4%
$500 to $699 905 16.7%
$700 to $999 882 16.3%
$1,000 to $1,499 347 6.4%
$1,500 to $1,999 37 0.7%
$2,000 or more 25 0.5%
Median $682 ---
Houses without a mortgage 2,677 49.4%
Median $288 --- Source: 2000 U.S. Census Data
Monthly housing costs of 23.9% of all owner-occupied households exceeded 30% of their monthly income in 2000, indicating a relatively high percentage of owners whose housing is not considered affordable. The 2006-2008 American Community Survey estimates that this value has increased to approximately 30.3% of all owner-occupied households whose housing costs exceed 30% of their monthly income. Table II-10 illustrates housing costs for owner-households.
Table II-10 – Selected Monthly Owner Costs as a Percentage of Household Income (1999)
Owner Costs as a % of Income
Number of Housing Units
Percentage
Less than 15 percent 2173 40.1%
15 to 19 percent 887 16.4%
20 to 24 percent 540 10.0%
25 to 29 percent 447 8.3%
30 to 34 percent 253 4.7%
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 25
35 percent or more 1041 19.2%
Not computed 76 1.4%
Source: 2000 U.S. Census Data
As of November 2010, RealtyTrac indicated that the City of McKeesport experienced the greatest decrease in home sales prices over the previous two calendar quarters as compared to other communities in the area. McKeesport homes saw a 35.78% decrease in the average sales price of homes, bringing the average price down to $46,428.
Home Sales
In December 2010, the Pittsburgh Post-Gazette published an article titled “Buying Here: Duquesne.” This article included an overview of the home sales in Duquesne and ten other neighboring communities in 2009 and 2010. The Post-Gazette ran a similar article in March 2010 titled “Buying Here: McKeesport” that reviewed home sales data in 2008 and 2009. Table II-11 below includes the home sales data for these eleven communities from 2008 through 2010. This data was obtained from RealSTATs.
The home sales data for the City of McKeesport is shaded in light blue. Over the last three years, the City of McKeesport has seen a decline in the number of sales and an overall decline in the median sales price. In 2010, the only community in this grouping to have a lower median sales price than the City of McKeesport was the Borough of Wall.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 26
Foreclosures
As part of the Neighborhood Stabilization Program (NSP) in 2008, HUD Risk Scores were developed using Average Median Income below 120%, change in average home sale price, vacancy rate, unemployment rate, population density, and a predicated foreclosure rate. Of the 130 cities, boroughs, and municipalities in Allegheny County, the City of McKeesport was one of eighteen (18) local jurisdictions that had a HUD Risk Score of 10, indicating the greatest risk of foreclosure. Table II-12 below highlights the HUD Risk Scores for each Census Tract and Block Group in the City of McKeesport.
Table II-12 – HUD Foreclosure Risk Score by Block Group Census Tract Block Group HUD Risk Score
The map below highlights the areas of Allegheny County with the greatest risk of foreclosure and abandonment according to the HUD Risk Score. Communities like the City of McKeesport with the greatest risk of foreclosure are orange and red in color, and are predominately located in the southeastern portion of the County.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 27
According to RealtyTrac, the City of McKeesport had 15 homes in foreclosure, a foreclosure rate of 1 in 825 housing units (or 0.12%) in October 2010. This foreclosure rate of 0.12% was the same as the rate in Allegheny County, and close to Pennsylvania’s rate of 0.11%. This foreclosure rate is below the national foreclosure rate of 0.26%. Chart II-8 below illustrates the foreclosures in the City of McKeesport since November 2009.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 28
Chart II-8 – Number of Foreclosures
Source: www.realtytrac.com
When reporting foreclosure trends for McKeesport, PA, RealtyTrac includes surrounding zip codes 15131, 15133, and 15135. As a result, the chart above includes foreclosures for these additional zip codes, as well as the City. The McKeesport area had the greatest number of foreclosures in April 2010 when forty-eight (48) homes received foreclosure notices.
City staff interviewed for the Analysis of Impediments to Fair Housing Choice indicated that abandonment of houses is a notable problem in the City. The City is unable to accurately quantify the number of houses that have been abandoned in recent years. Renter Costs
The median monthly rent in 2000 was $383; and $522 during the 2006-2008 American Community Survey. Table II-13 illustrates rental rates within the City at the time of the 2000 U.S. Census and the 2006-2008 American Community Survey.
Table II-13 – Gross Monthly Rent
2000 U.S. Census 2006-2008 American Community Survey
Rental Rates Number of
Housing Units Percentage
Number of Housing Units
Percentage
Less than $200 789 20.4% 258 7.3%
$200 to $299 449 11.6% 455 12.8%
$300 to $499 1,300 33.7% 915 25.7%
$500 to $749 956 24.8% 1,018 28.6%
$750 to $999 134 3.5% 684 19.2%
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 29
$1,000 to $1,499 31 0.8% 228 6.4%
$1,500 or more 0 0.0% 0 0.0%
No cash rent 203 5.3% --- ---
Median $383 --- $522 --- Source: 2000 U.S. Census Data and 2006-2008 American Community Survey
The monthly housing costs for 38.4% of all renter-occupied households exceeded 30% of monthly income in 2000, indicating an even higher percentage of renters than owners whose housing is not considered affordable. The Census Bureau predicts that the percentage of households for which rent exceeds 30% of their income has grown to an estimated 55.3%. Table II-14 illustrates the housing cost for renter-households in 1999 and at the time of the 2006-2008 American Community Survey.
Table II-14 – Gross Rent as a Percentage of Household Income
2000 U.S. Census 2006-2008 American Community Survey
Rental Cost as a % of Income
Number of Housing Units
Percentage Number of
Housing Units Percentage
Less than 15 percent
653 16.9% 338 9.7%
15 to 19 percent 481 12.5% 357 10.3%
20 to 24 percent 420 10.9% 416 12.0%
25 to 29 percent 477 12.4% 440 12.7%
30 to 34 percent 355 9.2% 279 8.0%
35 percent or more 1128 29.2% 1640 47.3%
Not computed 348 9.0% 328 ---
Source: 2000 U.S. Census Data and 2006-2008 American Community Survey
The table above shows an increase of 18% from the 2000 Census to the 2006-2008 American Community Survey in the number of households spending 35% or more of their income on rent.
The 2010 Fair Market Rents for the Pittsburgh, PA HUD Metro Fair Market Rent Area are shown in Table II-15 below.
Table II-15 – Final FY 2010 FMRs by Unit Bedrooms
Efficiency One-
Bedroom Two-
Bedroom Three-
Bedroom Four-
Bedroom
Final FY2010 FMR
$556 $610 $730 $907 $980
Source: www.hud.gov
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 30
G. Household Types:
Based on the HUD – Comprehensive Housing Affordability Strategy (CHAS) data in Appendix C, the following statistics were found based on Low/Mod Income (LMI) housing types:
Total number of renter households with incomes less than 30% of median family income is 1,579.
- 28.9% are elderly (1 & 2 persons), 457 households
- 32.6% are small families (2 to 4 persons), 515 households
- 7.9% are large families (5 or more persons), 124 households
- 30.6% are other renter households, 483 households
Total number of renter households with incomes greater than 30% but less than 50% of median family income is 721.
- 29.5% are elderly (1 & 2 persons), 213 households
- 42.2% are small families (2 to 4 persons), 304 households
- 6.1% are large families (5 or more persons), 44 households
- 22.2% are other renter households, 160 households
Total number of renter households with incomes greater than 50% but less than 80% of median family income is 814.
- 11.5% are elderly (1 & 2 persons), 94 households
- 42.4% are small families (2 to 4 persons), 345 households
- 11.7% are large families (5 or more persons), 95 households
- 34.4% are other renter households, 280 households
Total number of owner households with incomes less than 30% of median family income is 600.
- 43.7% are elderly (1 & 2 persons), 262 households
- 25.8% are small families (2 to 4 persons), 155 households
- 4.8% are large families (5 or more persons), 29 households
- 25.7% are other owner households, 154 households
Total number of owner households with incomes greater than 30% but less than 50% of median family income is 916.
- 57.2% are elderly (1 & 2 persons), 524 households
- 18.4% are small families (2 to 4 persons), 169 households
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 31
- 11.5% are large families (5 or more persons), 105 households
- 12.9% are other owner households, 118 households
Total number of owner households with incomes greater than 50% but less than 80% of median family income is 1,412.
- 50.9% are elderly (1 & 2 persons), 719 households
- 27.9% are small families (2 to 4 persons), 395 households
- 6.7% are large families (5 or more persons), 93 households
- 14.5% are other owner households, 205 households
Note: Small families comprise a large portion of both owner and renter households, while elderly households make up the greatest portion of owner-occupied households. The elderly and the small families seem to have the greatest need of financial support for housing in the City of McKeesport.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 32
H. Cost Overburden:
Based on the HUD – Comprehensive Housing Affordability Strategy (CHAS) data found in Appendix C the following statistics were identified for Low/Mod Income (LMI) households that are cost overburdened:
Total percentage of all renter households with incomes less than 30% of median family income that are cost overburdened by greater than 30% of income is 59.6%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category.
- 57.8% of elderly (1 & 2 persons), 264 households
- 65.0% of small families (2 to 4 persons), 335 households
- 87.9% of large families (5 or more persons), 109 households
- 48.2% of other renter households, 233 households
Total percentage of all renter households with incomes less than 30% of median family income that are cost overburdened by greater than 50% of income is 40.5%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category.
- 29.5% of elderly (1 & 2 persons), 135 households
- 43.7% of small families (2 to 4 persons), 225 households
- 75.8% of large families (5 or more persons), 94 households
- 38.3% of other renter households, 185 households
Total percentage of all renter households with incomes greater than 30% but less than 50% of median family income that are cost overburdened by greater than 30% is 46.0%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category.
- 36.6% of elderly (1 & 2 persons), 78 households
- 53.9% of small families (2 to 4 persons), 164 households
- 34.1% of large families (5 or more persons), 15 households
- 46.9% of other renter households, 75 households
Total percentage of all renter households with incomes greater than 30% but less than 50% of median family income that are cost overburdened by greater than 50% is 9.6%. Below is the percentage of renter households in each household type category that are cost overburdened in this income category.
- 6.6% of elderly (1 & 2 persons), 14 households
- 11.5% of small families (2 to 4 persons), 35 households
- 0.0% of large families (5 or more persons), 0 households
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 33
- 12.5% of other renter households, 20 households
Total percentage of all owner households with incomes less than 30% of median family income that are cost overburdened by greater than 30% of income is 70.8%. Below is the percentage of owner households in each household type category that are cost overburdened in this income category.
- 65.6% of elderly (1 & 2 persons), 172 households
- 74.2% of small families (2 to 4 persons), 115 households
- 100% of large families (5 or more persons), 29 households
- 70.8% of other owner households, 109 households
Total percentage of all owner households with incomes less than 30% of median family income that are cost overburdened by greater than 50% of income is 55.3%. Below is the percentage of owner households in each household type category that are cost overburdened.
- 43.1% of elderly (1 & 2 persons), 113 households
- 67.7% of small families (2 to 4 persons), 105 households
- 100% of large families (5 or more persons), 29 households
- 55.2% of other owner households, 85 households
Total percentage of all owner households with incomes greater than 30% but less than or equal to 50% of median family income that are cost overburdened by greater than 30% is 39.0%. Below is the percentage of owner households in each household type category that are cost overburdened.
- 34.4% of elderly (1 & 2 persons), 180 households
- 46.7% of small families (2 to 4 persons), 79 households
- 38.1% of large families (5 or more persons), 40 households
- 49.2% of other owner households, 58 households
Total percentage of all owner households with incomes greater than 30% but less than or equal to 50% of median family income that are cost overburdened by greater than 50% of income is 13.5%. Below is the percentage of owner households in each household type category that are cost overburdened.
- 11.5% of elderly (1 & 2 persons), 60 households
- 17.2% of small families (2 to 4 persons), 29 households
- 0.0% of large families (5 or more persons), 0 households
- 29.7% of other owner households, 35 households
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 34
Note: Almost sixty percent (59.6%) of rental households with income less than 30% of median family income are cost overburdened by more than 30% of their income. This indicates a need for financial assistance for low-income rental units.
Similarly, over seventy percent (70.8%) of homeowners with a household income that is less than 30% of median family income are cost overburdened by more than 30% of their income. In this same income category, 55.3% of homeowners are cost overburdened by more than 50%. Elderly households, and large and small families, both owners and renters, are the most cost-overburdened households.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 35
I. Housing Problems: Based on the HUD – Comprehensive Housing Affordability Strategy (CHAS) data found in Appendix C, the following statistics were based on Low/Mod Income (LMI) housing types:
Total percentage of renter households with incomes less than 30% of median family income that have a housing problem is 60.5%. Below is the percentage of renter households in each household type category that have a housing problem in this income category.
- 58.6% of elderly (1 & 2 persons), 268 households
- 65.0% of small families (2 to 4 persons), 335 households
- 87.9% of large families (5 or more persons), 109 households
- 50.3% of other renter households, 243 households
Total percentage of renter households with incomes greater than 30% but less than 50% of median family income that have a housing problem is 50.1%. Below is the percentage of renter households in each household type category that have a housing problem in this income category.
- 36.6% of elderly (1 & 2 persons), 78 households
- 53.9% of small families (2 to 4 persons), 164 households
- 100% of large families (5 or more persons), 44 households
- 46.9% of other renter households, 75 households
Total percentage of renter households with incomes greater than 50% but less than 80% of median family income that have a housing problem is 16.5%. Below is the percentage of renter households in each household type category that have a housing problem in this income category.
- 4.3% of elderly (1 & 2 persons), 4 households
- 15.9% of small families (2 to 4 persons), 55 households
- 47.4% of large families (5 or more persons), 45 households
- 10.7% of other renter households, 30 households
Total percentage of owner households with incomes less than 30% of median family income that have a housing problem is 70.8%. Below is the percentage of owner households in each household type category that have a housing problem in this income category.
- 65.6% of elderly (1 & 2 persons), 172 households
- 74.2% of small families (2 to 4 persons), 115 households
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 36
- 100% of large families (5 or more persons), 29 households
- 70.8% of other owner households, 109 households
Total percentage of owner households with incomes greater than 30% but less than 50% of median family income that have a housing problem is 39.0%. Below is the percentage of owner households in each household type category that have a housing problem in this income category.
- 34.4% of elderly (1 & 2 persons), 180 households
- 46.7% of small families (2 to 4 persons), 79 households
- 38.1% of large families (5 or more persons), 40 households
- 49.2% of other owner households, 58 households
Total percentage of owner households with incomes greater than 50% but less than 80% of median family income that have a housing problem is 27.8%. Below is the percentage of owner households in each household type category that have a housing problem in this income category.
- 16.6% of elderly (1 & 2 persons), 119 households
- 34.2% of small families (2 to 4 persons), 135 households
- 40.9% of large families (5 or more persons), 38 households
- 48.8% of other owner households, 100 households Note: Both renter and owner households with income less than 50% of median family income have high instances of housing problems (50.1% to 60.5% of renters, 39.0% to 70.8% of owners). Owner households with income less than 30% of median family income show the greatest instances of housing problems. Small and large families, as well as “other” households, seem to show the greatest rates of housing problems, but all household categories demonstrate a need for housing financial support. The website www.dataplace.org provides an overview of data for communities across the country. Table II-16 below highlights important data to further illustrate the problem housing in the City of McKeesport.
Table II-16 – Housing Hardship
Categories of Housing Hardships PercentagePercentage of Households with income 0-80% of area median with housing cost burden 41.4% Percentage of Households with income 0-80% of area median with severe housing cost burden
20.4%
Percentage housing units that are overcrowded 2.5% Percentage housing units without complete kitchen facilities 1.1% Percentage occupied housing units without complete plumbing facilities 0.6%
Source: www.dataplace.org
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 37
J. Disabled Households: Table II-17 includes the 2000 Census Data that shows the number of disabled individuals in the City of McKeesport. The total population five (5) years and over is 21,561 and the disabled population is 5,635, or 26.1%. This is an indicator of the need for housing for the disabled which are mainly low- and moderate-income, and do not have housing resources that are accessible and/or affordable.
Table II-17 – Disability Status for McKeesport, PA
Disability Status of the Civilian Non-institutional Population
Total Male Female
Population 5 years and over 21,561 9,909 11,652 With a disability 5,635 2,497 3,138
Percent with a disability 26.1 25.2 26.9
Population 5 to 15 years 3,724 1,996 1,728 With a disability 366 237 129
Population 16 to 64 years 13,516 6,249 7,267 With a disability 3,240 1,541 1,699
Percent with a disability 24 24.7 23.4 Sensory 492 236 256 Physical 1,341 663 678 Mental 934 406 528 Self-care 505 218 287 Going outside the home 1,228 525 703 Employment disability 1,966 951 1,015
Population 65 years and over 4,321 1,664 2,657 With a disability 2,029 719 1,310
Percent with a disability 47 43.2 49.3 Sensory 678 277 401 Physical 1,466 488 978 Mental 401 140 261 Self-care 416 129 287 Going outside the home 1,007 307 700
Population 18 to 34 years 4,420 1,950 2,470 With a disability 702 373 329
Percent enrolled in college or graduate school 6.1 5.1 7.3 Percent not enrolled and with a bachelor's degree or higher 11.3 12.6 9.7
No disability 3,718 1,577 2,141 Percent enrolled in college or graduate school 15.7 14.5 16.6 Percent not enrolled and with a bachelor's degree or higher 8.7 7 9.9
Population 21 to 64 years 11,922 5,423 6,499 With a disability 2,996 1,393 1,603
Percent employed 43.8 48.5 39.7
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 38
No disability 8,926 4,030 4,896 Percent employed 69 74.6 64.5
Source: 2000 U.S. Census Data Of the population age 65 and older, 47% have a disability, with women having a higher rate of disabilities than men (49.3% and 43.2% respectively). Educational rates for individuals with disabilities ages 18 to 34 years old are lower than for individuals who are not disabled in this same age category. Of disabled individuals ages 18 to 34, 6.1% are enrolled in college or graduate school, and 11.3% have at least a bachelor’s degree but are not currently enrolled. In this same age range, 15.7% of individuals who are not disabled are enrolled in college or graduate school, and 8.7% have at least a bachelor’s degree but are not enrolled in school. The disparities between individuals who “are” and “are not” disabled can be seen in the employment statistics. Less than half (43.8%) of disabled persons ages 21 to 64 years old are employed, whereas 69.0% of non-disabled persons ages 21 to 64 are employed.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 39
III. Review/Update to Original Plan The previous “Analysis of Impediments to Fair Housing Choice” was prepared in May 2005. The following paragraphs restate each identified impediment within that document and summarize the progress made on each.
A. Summary of Impediments – May 2005:
Impediment 1 – There is a concentration of low-income households and large numbers of persons in the protected classes (particularly minorities and female headed households) which lack affordable housing that is decent, safe, and sound which has an impact on the community and makes this a fair housing concern.
Strategy: Develop a Neighborhood Revitalization Strategy Area Plan for a target neighborhood and concentrate financial resources to prevent and eliminate slums and blight conditions, assemble sites for new housing development, rehabilitate existing housing stock, increase code enforcement, crime prevention, and upgrade community facilities and infrastructure in the area. Status: The Neighborhood Revitalization Strategy Area (NRSA) was completed in May 2006. Through the NRSA, the City of McKeesport was able to make significant improvements to the target area through the construction of affordable homes, reducing blight, and repaving streets. Specifically, the City of McKeesport constructed 10 homes with the assistance of PHFA on the Reservoir Site. Upon completion, these homes were made available to low- and moderate-income households. Twenty (20) affordable housing units were also constructed as part of the St. Mary’s development. Additionally, within the NRSA target area, several streets were reconstructed in eligible census tracts.
Impediment 2 – There is a lack of housing choice that is accessible to the physically disabled. There is an increasing number of persons who are disabled who are on fixed incomes, especially the elderly, who cannot afford to make accommodations to their residences.
Strategy 1: Make accommodations to existing housing stock and provide accessible housing units in new affordable housing developments. Strategy 2: Increase the number of accessible units in public housing, especially the elderly units.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 40
Status: Blueroof Technology constructed new elderly and disabled housing units. Three (3) of these houses were private, and several more were for the Housing Authority. These homes include the Mon Yough Group Home and St. Mary’s. All in all, thirty-nine (39) housing units (or 4.3%) operated by the McKeesport Housing Authority are handicap accessible. An additional twenty-nine (29) units still require modification to become handicap accessible. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #3, Housing Accessibility.
Impediment 3 – The McKeesport Zoning Ordinance is outdated and needs to be revised in accordance with the Fair Housing Act amendments. Strategy: Revise the City’s Zoning Ordinance, update definitions; reference Fair Housing Act, Americans with Disabilities Act and other Federal and State laws; evaluate the types of permitted uses in residential zoning districts; etc.
Status: The City of McKeesport is beginning the process of reviewing its Zoning Ordinance in order to indentify and update the outdated definitions, references, and permitted uses in residential districts. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #4, Public Policies.
Impediment 4 – The McKeesport Human Relations Commission has been reactivated; however, there is a lack of awareness of the HRC, fair housing regulations, protected class rights, etc. Strategy: The McKeesport Human Relations Commission must be a known organization in the City through education and promotional activities. The Citizens need to be made aware of the Fair Housing Act and their rights.
Status: The McKeesport Human Relations Commission is comprised of five (5) community members having knowledge and expertise in fair housing issues. The City’s CDBG Coordinator is also actively involved in the Commission and has designed and printed a Fair Housing business card for the Commission members to distribute at relevant events and meetings. The CDBG Coordinator is also designing a brochure to
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 41
increase awareness of fair housing regulations and educate the public on the rights of protected classes. The McKeesport Human Relations Commission meets on an as-needed basis to address fair housing issues as they arise. The McKeesport Human Relations Commission (MHRC) has sponsored several presentations over the last several years to educate the Commission itself and the community practitioners on the Fair Housing Act and the rights of renters and borrowers. Specifically, the PA HRC presented to the MHRC in August 2006. The MHRC met with local banks on November 16, 2006. The Fair Housing Partnership of Pittsburgh met with the MHRC on August 9, 2006 and July 19, 2007. On January 18, 2007, MHRC met with local Realtors to discuss fair housing issues. On May 30, 2007, MHRC, the McKeesport Housing Authority, and the Fair Housing Partnership of Pittsburgh met. The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement.
Impediment 5 – There is a lack of housing counseling programs for low-income households to utilize in their efforts to become homeowners. There is a need to improve potential homebuyer credit history. Strategy: Assist low-income households to take advantage of housing counseling programs, credit counseling programs, and increase programs for homebuyers to include post-purchase counseling, maintenance, and home repairs.
Status: McKeesport Neighborhood Initiative, Inc. (MNI) is the primary social service agency offering housing counseling to low-income households. Many of these households have been successful in become homeowners. Dollar Bank reaches out to low-income households to provide housing counseling services as well. The services provided at Dollar Bank target low-income households who have poor or no credit, poor financial management and saving skills, and are unsure of the homebuying process. Dollar Bank teaching lifelong saving skills, develop an action plan to eliminate bad credit, offer an 8 hour homeownership course, and post-purchase counseling. Bank representatives also engage in community workshops at community group meetings, churches, and workplaces to reach out to individuals in need of assistance. Regionally, Dollar Bank estimates that approximately 400-600 households enroll in the
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program each year, and an estimated 80-100 households purchase their first home.
The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement.
Impediment 6 – Even though there does not appear to be any widespread violation to the Fair Housing Act, the City of McKeesport needs to openly affirm its commitment to furthering fair housing in the City. Strategy: City to annually proclaim Fair Housing Month, prepare brochures and press releases, host a fair housing seminar to promote public awareness.
Status: Each year, the City of McKeesport proclaims April to be Fair Housing Month in an effort to raise awareness of Fair Housing issues. In an effort to increase awareness of fair housing issues, the City’s CDBG Coordinator is currently designing a brochure and has already created a business card to distribute.
The City of McKeesport will continue to address this impediment in the 2010 Update to the Analysis of Impediments to Fair Housing Choice through Impediment #1, Fair Housing Education, Advocacy, Monitoring, and Enforcement.
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Analysis of Impediments to Fair Housing Choice 2010 Update Page 43
IV. Impediments to Fair Housing 2010 In order to determine if impediments to fair housing choice exist, interviews and meetings were conducted, surveys were distributed, and an analysis of the fair housing complaints in McKeesport was undertaken.
A. Fair Housing Complaints:
1. Human Relations Commission of the City of McKeesport
The McKeesport Human Relations Commission (MHRC) is comprised of five (5) City residents who have knowledge and expertise in areas related to equal opportunity and affirmative action.
The McKeesport Human Relations Commission meets on an as-needed basis to address fair housing concerns and issues within the City of McKeesport. The City’s Community Development staff designed a business card to help raise awareness of the resources available to support fair housing pracitices within the City of McKeesport. The Human Relations
Commission of the City of McKeesport does not conduct fair housing discrimination testing. All fair housing complaints are referred to the Pennsylvania Human Relations Commission for investigation.
The capacity of the McKeesport Human Relations Commission is limited. The MHRC does not have a dedicated staff person to effectively conduct fair housing education and outreach within the community. The MRHC also does not do any fair housing testing or monitoring.
2. Allegheny County Human Relations Commission
The Allegheny County Human Relations Commission was created in July 2009. The Commission is comprised of seven (7) members, appointed by the County Executive and approved by County Council. The Commission meets monthly and will investigate complaints of fair housing and employment discrimination. The mission of the Human Relations Commission is to promote education and equal opportunity within the County. 3. Pennsylvania Human Relations Commission The Pennsylvania Human Relations Commission (PHRC) enforces Pennsylvania’s anti-discrimination laws and promotes equal opportunity in education, employment, housing and commercial property, and public accommodation.
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The mission statement of the PHRC is as follows: The Pennsylvania Human Relations Commission is to administer and enforce the Pennsylvania Human Relations Act and the Pennsylvania Fair Educational Opportunities Act through investigation, identification and elimination of unlawful discrimination and the promotion of equal opportunity for all persons. The PHRC staffs a main office in Harrisburg as well as regional offices in Harrisburg, Philadelphia, and Pittsburgh. In addition to its staff members, the PHRC has eleven (11) Commissioners appointed by the Governor and confirmed by the Senate. Additionally, the PHRC has Advisory Councils in seven (7) counties, including Allegheny County, located around the state to serve as liaisons in local communities. The PHRC publishes an annual summary of docketed cases filed during the State’s fiscal year (July 1st – June 30th). Table IV-1 below illustrates the complaint trends for the Pittsburgh Regional Office from 2004 to 2009.
Analysis of Impediments to Fair Housing Choice 2010 Update Page 45
Disability and Race are consistently the most common causes of fair housing complaints made to the Pittsburgh Regional Office. The Pittsburgh Office saw a sharp decline in the total number of complaints between the 2006-2007 year and the 2007-2008 year. Despite this drop in the total number of complaints, the number of complaints related to disability remained fairly constant. In the 2008-2009 year, a total of one hundred twenty-nine (129) cases were closed. Three (3) were settled after probably cause finding, thirty-five (35) were settled prior to probable cause finding, twelve (12) were administrative closures, and seventy-nine (79) were closed with no probable cause finding.
During the 2008-2009 fiscal year, the Pennsylvania Human Relations Commission reported forty-four (44) housing complaints in Allegheny County. None of these complaints originated in the City of McKeesport.
4. Fair Housing & Equal Opportunity (HUD)
The U.S. Department of Housing and Urban Development’s (HUD) Office of Fair Housing & Equal Opportunity (FHEO) receives complaints regarding alleged violations of the Fair Housing Act. From January 1, 2005 to August 9, 2010, three hundred and seventeen (317) fair housing complaints originated in Allegheny County, eleven (11) of which originated within the City of McKeesport.
The complaints received for the City of McKeesport and Allegheny County are disaggregated in Table IV-2 below to illustrate the most common basis for complaints. In the City of McKeesport, race was the most common basis for complaints between January 1, 2005 and August 9, 2010, and disability and sex were the second most common cause for complaint. The Pittsburgh Regional Office of the Pennsylvania Human Relations Commission also noted that disability and race were the most common causes for complaints. Compared to Allegheny County, the City of McKeesport appears to have a disproportionately higher rate of complaints based on race and sex. Race and disability are the most common bases for complaints in Allegheny County. It is important to note that some complaints had multiple bases.
Table IV-2 – Basis for Complaint
City of McKeesport Allegheny County
Basis Number Percentage Number PercentageRace 7 63.6% 130 41.0%
Disability 4 36.4% 131 41.3%
Sex 4 36.4% 50 15.8%
Family Status 1 9.1% 42 13.2%
National Origin 0 0.0% 3 0.9%
Other Origin 0 0.0% 15 4.7%
Philadelphia HUD Field OfficeThe Wanamaker Building
100 Penn Square EastPhiladelphia, PA 19107-3380
(215) 861-7620 (Voice)
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Color 0 0.0% 16 5.0%
Harassment 0 0.0% 10 3.2%
Religion 0 0.0% 7 2.2%
Retaliation 0 0.0% 28 8.8%
Age 0 0.0% 1 0.3%
Not Reported 0 0.0% 4 1.3%
Two (2) of the eleven (11) cases in the City of McKeesport do not have close dates listed, whereas the remaining nine (9) have been closed. Seven (7) of cases were closed by no cause determination, while one (1) case did have a cause determination.
Table IV-3 “HUD-FHEO Complaints” summarizes all of the complaints filed with the Office of Fair Housing & Equal Opportunity between January 1, 2005 and August 9, 2010 in the City of McKeesport. For the last reporting period of January 1, 2010 through August 9, 2010 there was one (1) Fair Housing Complaint received by HUD-FHEO for the City of McKeesport.
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Table IV-3 HUD-FHEO Complaints in the City of McKeesport HUD File Number
HUD Date Filed
Issue Code Description Basis City How Closed Date Closed Cause Date
030503318 2/18/2005
382 Discrimination in terms/conditions/ privileges relating to rental
Race McKeesport
Complaint withdrawn by complaintant without resolution
5/10/2005 380 Discriminatory terms, conditions, privileges, or services and facilities
030506258 7/5/2005 380 Discriminatory terms, conditions, privileges, or services and facilities
Race, Sex
McKeesport No cause determination
030506268 7/5/2005 385 Discriminatory terms, conditions, privileges, or services and facilities
Race McKeesport No cause determination
030506408 7/18/2005
430 Otherwise deny or make housing available
Disability McKeesport FHAP judicial consent order
6/7/2006 11/14/2005 510 Failure to make reasonable accommodation
030600178 10/14/2005 382 Discrimination in terms/conditions/privileges relating to rental
Race McKeesport No cause determination
8/15/2006
030704008 6/12/2007
380 Discriminatory terms, conditions, privileges, or services and facilities Race,
Sex McKeesport
No cause determination
6/30/2007
430 Otherwise deny or make housing available
030704798 7/5/2007 380 Discriminatory terms, conditions, privileges, or services and facilities
Disability McKeesport No cause determination
4/30/2008
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030800738 11/1/2007
320 Discriminatory advertising, statements and notices
Race, Disability
McKeesport Complaintant failed to cooperate
11/3/2008
380 Discriminatory terms, conditions, privileges, or services and facilities
430 Otherwise deny or make housing available
510 Failure to make reasonable accommodation
030800748 11/1/2007
320 Discriminatory advertising, statements and notices
Sex, Disability,
Family Status
McKeesport No cause determination
2/22/2010
380 Discriminatory terms, conditions, privileges, or services and facilities
430 Otherwise deny or make housing available
510 Failure to make reasonable accommodation
030803878 5/5/2008
382 Discrimination in terms/conditions/ privileges relating to rental Race McKeesport
No cause determination
6/4/2009 310 Discriminatory refusal to rent
031001758 1/26/2010 382 Discrimination in terms/conditions/ privileges relating to rental
Sex McKeesport Conciliation/ settlement successful
3/29/2010
Source: U.S. Dept. of HUD-FHEO, Philadelphia Regional Office
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5. Housing and Human Services Agencies The City of McKeesport interviewed agencies offering housing and human services within the City in order to obtain their input and gain insight into potential impediments to fair housing. The following agencies were engaged in roundtable discussions, individual meetings, or through surveys:
Allegheny County Department of Human Services
City of McKeesport Housing Authority
Fair Housing Partnership of Greater Pittsburgh
First Step Recovery Homes, Inc.
Howard Hanna Wilson Baum
McKeesport Development Corporation
McKeesport Housing Corporation
McKeesport Neighborhood Initiative, Inc. (MNI)
Pittsburgh Commission on Human Relations
Realtors Association of Metropolitan Pittsburgh
Resource Center/Bridge To Recovery
Salvation Army
William C. Kortz, State Representative
Womansplace
YMCA of McKeesport Each of these agencies provided feedback on their perception of housing-related issues in the City of McKeesport. A summary of their input is below. Complete meeting notes can be found in Part VI, Appendix D.
Lack of job opportunities that pay a family supporting wage.
Many rental properties in the City are in poor condition. Some groups perceived this as being because of absentee landlords, while others saw code enforcement as the primary issue.
The City has seen a recent influx of transient residents.
The City has an aging population and does not have the housing stock to meet the needs of the elderly.
There is a large tract of vacant land that has been cleared by a developer. Continuing this development project could be beneficial to the City.
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Property taxes are relatively expensive, and real estate taxes and fees are often perceived as being cost prohibitive to developments.
McKeesport has a very high unemployment rate.
Public transportation is an issue. Most households do not have access to cars, yet the Port Authority of Allegheny County is threatening to reduce and/or eliminate service to the City. This would prevent City residents from access to jobs or services outside of the City.
There is a perceived shortage of housing options for single mothers.
City residents would benefit from additional credit counseling.
Overcrowding is becoming an issue.
The economy is perceived to be a greater barrier to affordable housing than social issues and discrimination.
There is a perceived shortage of quality affordable housing for low- and moderate-income individuals and families.
There is a perceived shortage of housing for the disabled, particularly accessible Section 8 units. The older housing stock in the City often makes upgrading the units to accommodate the disabled difficult.
There is a perceived lack of understanding of Fair Housing and land-use regulations in the community.
People with criminal records, previous drug charges, poor credit histories, or owing back rent often have difficulty finding affordable housing.
There is a shortage of Federal and state funding for shelters and supportive services for the homeless population.
The City has a large number of sub-standard housing units.
Non-profit organizations developing housing in the City would benefit from additional funding.
Disability is the most common cause for fair housing complaints in the City of McKeesport and the Pittsburgh region.
The concentration of minorities continues to be a problem in the City.
Lending discrimination by race is a problem in the Pittsburgh area.
Requests for reasonable accommodation and reasonable modifications are perceived to have a relatively low acceptance rate.
Many residents are unaware of their rights for reasonable accommodation and modifications.
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B. Public Sector:
Part of the Analysis of Impediments is to examine the public policies of the jurisdiction and the impact on fair housing choice. The local government controls land use and development through the comprehensive plan, zoning regulations, subdivision regulations, and other laws and ordinances passed by the local governing body. These regulations and ordinances govern the types of housing that may be constructed, the density of housing, and the various residential uses in a community. Local officials determine the community’s commitment to housing goals and objectives. The local policies therefore determine if fair housing is to be promoted or passively tolerated. This section of the Analysis of Impediments evaluates the City’s policies to determine if there is a commitment to affirmatively further fair housing.
1. CDBG Program
The City of McKeesport receives CDBG funds from HUD as an entitlement city under the program. The City annually receives approximately $1,300,000 in CDBG funds. The City allocates its funds to public facility improvements, public services, senior services, youth services, and housing activities. Of the CDBG funds, 80% directly benefit low- and moderate-income persons and all of the CDBG funds allocated to public services directly benefit low- and moderate-income persons.
In particular, the City in its FY 2010 CDBG Program allocated the CDBG funds as follows in Table IV-4:
Boys and Girls Club - After School Program $10,000
Economic Development
Renaissance 2005 Bond Repayment $350,000
McKeesport Development Corporation (MDC) - Small Business Loans $10,000
Housing
Neighborhood Preservation Team $215,000
Demolition - City-wide $10,000
Housing Activities - MNI & MHC $29,000
Rodent Control/Wildlife Pest Control $10,000
Program Income
McKeesport Housing Corporation (MHC) $66,000
McKeesport Development Corporation (MDC) $12,000
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All activities listed above will occur in low/mod areas of the city which have a high priority of the City. Additionally, each activity meets the National Objectives of serving a low/mod area, low/mod people, job creation, or reducing slum/blight. Activities shaded in gray serve to reduce barriers to affordable housing within the City. Additional information on these activities shaded in gray can be found in the City’s FY 2010 Annual Action Plan. In its FY 2010-2014 Five Year Consolidated Plan, the City of McKeesport identified the following goals to prioritize funding needs during this five year period, as outlined below. Housing
Increase homeownership opportunities in the City Support housing rehabilitation programs for LMI homeowners Provide targeted code enforcement, including rodent/wildlife control Support emergency repair assistance for LMI homeowners Provide affordable rental assistance for LMI families and seniors
Infrastructure
Accessibility improvements Street reconstruction Sidewalk, curb, and gutter improvements Demolition of dilapidated, abandoned buildings Sewer and storm water management improvements Traffic flow improvements
Economic Development
Support local businesses by providing workplace development and job training services, business development assistance, and loan programs to benefit both small businesses and low-income residents and employers
Provide rehabilitation assistance programs (through grants and loans) for existing businesses to make necessary repairs and façade improvements
Targeted demolition and rehabilitation to remove blight along commercial corridors of the City
Redevelopment and reuse of underutilized lots Public Facilities and Services
Supportive services for low-income residents Improve youth centers, including recreational facilities and programs Improvements to the City’s parks and recreation programs and facilities Improve services to seniors, including recreational, educational, and social
services Support the transportation link between residents, services, and employment
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Support various social service agencies that provide shelter and services to area homeless and those at risk of becoming homeless
Provide affordable housing education and increase informational referral services on choices and resources
Promote fair housing
2. Other Funds
In addition to the CDBG funds, the City of McKeesport received the following federal, state, and county allocations for FY 2010:
HOME Investment Partnership Program ....................................... $300,000
Allegheny County Regional Asset District ..................................... $653,000
Federal and State Highway Commissions .................................. $3,000,000
Homelessness Prevention and Rapid Re-housing (HPRP) ........... $500,957
Neighborhood Stabilization Program (NSP) ..................................... $60,000
Early Intervention Program ............................................................... $58,000
McKeesport Housing Authority Capital Funds ............................... $1,200,000
The City of McKeesport is a member of the Allegheny County HOME Consortium. As a member, the City receives approximately 6.7% of the HOME funds for program activities, and 6.7% of the total HOME administrative budget to administer the funds. These additional Federal funds, particularly HOME, HPRP, NSP, and CDBG-R, will be used to affirmatively further fair housing. More information on how these funds will be used can be found in the FY 2010 Annual Action Plan or by contacting the City.
3. Low Income Housing Tax Credits The Low Income Housing Tax Credit (LIHTC) Program was created under the Tax Reform Act of 1986 and is intended to attract private investment to develop affordable rental housing for low- and moderate-income households.
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There are currently no known projects, proposed projects, or planned projects in the City of McKeesport that will be using LIHTC funds. The McKeesport Housing Authority has unsuccessfully applied for LIHTC funds during the past two funding rounds. Feedback on the denied applications indicates that increased market appeal and economic development would strengthen their future applications. PHFA has suggested to the McKeesport Housing Authority the construction of the flyover ramp will encourage development on the previous mill site, and will strengthen future LIHTC applications. The City is supportive of the use of LIHTC projects to provide affordable housing to low-income households, and has six previously developed LIHTC projects, between 1987 and 2009, totaling 60 low-income housing units. A full-sized map of the Low Income Housing Tax Credit projects in the City of McKeesport can be found in Appendix B. Table IV-5 provides a list of LIHTC projects which were built in the City of McKeesport from 1987 through 2009.
Source: http://lihtc.huduser.org/ and http://www.phfa.org
4. Planning, Zoning, and Building Codes In its 2005 Analysis of Impediments to Fair Housing Choice, the City of McKeesport identified impediments to Fair Housing that directly related to the City’s planning, zoning, and building codes. At that time, the City’s Zoning Ordinance was determined to be outdated and needed to be revised in accordance with the Fair Housing Act and amendments. A review of the Zoning Ordinance at the time of the 2005 Analysis of Impediments to Fair Housing Choice revealed that the five (5) residential districts were reasonable and should not be considered an impediment to fair housing. On the other hand, the definitions of “Family” and along with the requirements for group homes and group living arrangements may be considered restrictive.
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The Zoning Ordinance will be reviewed and will be revised as necessary, as outlined in the City’s strategies and goals to affirmatively further Fair Housing Choice. The Zoning Ordinance was most recently passed in its entirety by the City in 1996. The most recent modification to the Zoning Ordinance was in 2003 when the R-5 residential district was modified to include single family residential dwellings as a conditional use on the zone. The City follows the UCC, or Uniform Construction Code. The City does not follow the plumbing and administration sections of the UCC, however, as these codes are defined by Allegheny County. The UCC is updated every three years. The most recent update was in 2009. 5. Taxes
Real estate property taxes also impact housing affordability. This may not be an impediment to fair housing choice but it does impact the affordability of housing. The general residential real estate tax receipts in the City of McKeesport are divided among Allegheny County, the City of McKeesport, and the McKeesport School District. The 2010 millage rates in the City of McKeesport are outlined below.
Allegheny County ........................................ 4.69 mills
City of McKeesport (Building) ....................... 4.26 mills
City of McKeesport (Land). .......................... 16.50 mills
McKeesport School District .......................... 16.71 mills
The median value of the taxable residential properties within the City of McKeesport is $24,700 (Source: Allegheny County).
Table IV-6 illustrates the taxes assessed for property valued at $100,000 and also at the City’s median value of $24,700. The City of McKeesport has provided calculations for property taxes assuming that the building comprises 95% of the total value and land is valued at the remaining 5%.
Table IV-6 – Property Taxes
Taxes for Property Assessed at $100,000 in the City of McKeesport
Allegheny County $ 469.00
City of McKeesport (Building) $ 404.70
City of McKeesport (Land) $ 82.50
McKeesport School District $ 1,671.00
Total Taxes $ 2,627.20
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Taxes for Property Assessed at $24,700 in the City of McKeesport
Allegheny County $ 115.84
City of McKeesport (Building) $ 99.96
City of McKeesport (Land) $ 20.38
McKeesport School District $ 412.74
Total Taxes $ 648.92
6. Public Policies In 2008, Allegheny County created a Visitability Tax Credit worth up to $2,500 over five (5) years. This tax credit program is designed to encourage “visitable” design aspects to be incorporated into the renovation and construction of homes. Visitable elements that would qualify a renovated or newly constructed home for this tax credit include one no-step entrance, hallways on the floor with the no-step entrance must be at least thirty-six (36) inches wide, a bathroom on the main floor that can be used by a person in a wheelchair, light switches on the main floor mounted forty-two inches from the floor, and lever-type door handles. In 2009, Allegheny County passed an ordinance to create the Allegheny County Human Relations Commission. This Commission was established to promote equality in housing and employment throughout the County. At the same time that the Human Relations Commission was established, the County also passed a non-bias ordinance that prohibits the discrimination against people because of their sexual orientation or gender identity. The Commonwealth of Pennsylvania has passed a law prohibiting discrimination based on age. The City of McKeesport falls under the Commonwealth’s jurisdiction, so housing discrimination based on age in the City is not permitted. 7. Public Housing The McKeesport Housing Authority presently administers 440 Section 8 Housing Choice Vouchers. As of October 2010, 246 families are on the Section 8 Voucher waiting list, and the waiting list is still open. The McKeesport Housing Authority also owns and operates 1,021 public housing units in the City that include senior communities, handicapped accessible housing, and neighborhood sites consisting of townhomes and single family homes. The vacancy rate for these public housing units is less than 2%. As of October 2010, the McKeesport Housing Authority had 60 families on the waiting list for public housing units, and the
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waiting list remained open. Appendix B includes a map highlighting the locations of HUD assisted housing units and the Block Groups where Section 8 Vouchers are most commonly used. The City of McKeesport works closely with the McKeesport Housing Authority to meet the needs of City residents. Table IV-7 below outlines the total number of public housing units available in the City of McKeesport, and how many are currently accessible. The McKeesport Housing Authority recognizes the need for additional accessible units, and plans to convert additional units over the next several years. The number of units expected to be converted are also outlined in the table below.
Table IV-7 – Public Housing Developments
Public Housing Developments Number of
Units Accessible
Units Additional
Accessible Units
Crawford Village Rowhouses 424 10 23
Harrison Village Rowhouses 107 8 2
Isbir Manor 73 4 3
Steelview Manor 88 3 4
McKeesport Towers 200 14 0
1835 Beech Street & St. Mary's 21 3 1 The City of McKeesport also has a number of HUD assisted housing developments to serve low-income, disabled, and elderly households. Table IV-8 below outlines the existing HUD assisted developments in the City.
White Street Apartments Section 811 - Disabled Housing
Versailles Archer Apartments Section 202 and Section 811 - Elderly and Disabled Housing
Hi View Gardens HUD Assisted
Midtown Plaza Apartments HUD Assisted
Bailie Avenue Apartments HUD Assisted
McKeesport Center HUD Assisted
Versailles Apartments HUD Assisted
YMCA HUD Assisted/ SRO/ Housing Authority The majority of McKeesport’s HUD assisted developments are located in areas of high minority and renter-occupied concentration. The City is working to deconcentrate the location of HUD assisted housing by building new developments in areas that have
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lower minority populations. On the maps below, public housing and LIHTC developments are shown by orange dots. While many of the HUD assisted units appear to be located in areas of minority concentration, these developments were build many years ago and today are largely populated by minorities. These maps also illustrate which block groups have the largest concentration of Section 8 Vouchers are used. The block groups with the most voucher use are those in the center of the City. These block groups seem to be relatively balanced in their composition. They are not areas of racial concentration, nor are they areas of renter- or owner-occupied housing.
Locations of HUD Assisted Housing and Section 8 Vouchers % White Population % Minority Population
Owner-Occupied Housing Renter-Occupied Housing
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Full sized maps can be found in Appendix B. Table IV-9 below presents data on multi-family and Section 8 assisted housing facilities in the City of McKeesport. Twenty-seven percent (27%) of the assisted units have contracts set to expire by 2013.
Table IV-9 – Multi-family and Section 8 Project Based Assisted Housing Facilities
Multi-family assisted units with active contracts status 355
Percentage of Multi-family assisted units with contracts expiring in 2004 0.0%
Percentage of Multi-family assisted units with contracts expiring in 2005 0.0%
Percentage of Multi-family assisted units with contracts expiring in 2006 7.3%
Percentage of Multi-family assisted units with contracts expiring in 2007 0.0%
Percentage of Multi-family assisted units with contracts expiring in 2008 9.0%
Percentage of Multi-family assisted units with contracts expiring in 2009-2013 10.7%
Percentage of Multi-family assisted units with contracts expiring in 2014 or later 73.0%
Source: www.dataplace.org
In addition to making accessible and affordable housing available to low-income residents of the City of McKeesport, the McKeesport Housing Authority also makes available a homeownership program to assist persons looking to take advantage of homeownership opportunities. Since the program began, eight (8) Section 8 Voucher holders have successfully moved from the Section 8 Voucher program to become homeowners. 8. Fair Housing Partnership of Greater Pittsburgh As a HUD-certified Fair Housing Initiatives Program (FHIP), The Fair Housing Partnership of Greater Pittsburgh (FHP) receives Federal funding each year to provide advocacy, education, outreach, testing, and complaint referrals to Allegheny County and several surrounding communities. Other services that FHP makes available to individuals include rental counseling, pre-purchase counseling, mortgage delinquency counseling, mobility counseling for Section 8 Voucher holders, and community workshops. FHP also assists individuals who feel that they have been discriminated against in their search for housing by completing investigations and assisting the individual with filing complaints or requests for reasonable accommodations or modifications. Additionally, FHP assists communities to increase their capacity to address fair housing issues by contracting with them to carryout fair housing testing and provide training sessions to educate landlords and residents on fair housing practices.
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C. Private Sector:
The private sector has traditionally been the greatest impediment to fair housing choice in regard to discrimination in the sale, rental or advertising of dwellings, the provision of brokerage services, or in the availability of financing for real estate purchases. The Fair Housing Act prohibits such practices as the failure to give the same terms, privileges, or information; charging different fees; steering prospective buyers or renters toward a certain area or neighborhood; or using advertising that discourages prospective buyers or renters because of race, color, religion, sex, handicap, familial status or national origin.
1. Real Estate Practices
The Realtors Association of Metropolitan Pittsburgh (RAMP) is the local organization of real estate brokers operating in the Greater Pittsburgh area, including the City of McKeesport. The Realtors Association of Metropolitan Pittsburgh has an open membership policy and does not discriminate. Members are bound by the Code of Ethics of the National Association of Realtors (NAR). This Code of Ethics obligates its members to maintain professional standards including efforts to affirmatively furthering fair housing. RAMP has several committees, one of which is the “Equal Opportunity/Cultural Diversity Committee.” The primary responsibility of this committee is to promote equal opportunity and cultural diversity by providing program and services to RAMP members as they work to protect the rights of persons covered under the Fair Housing Act, the Civil Rights Act, and ADA laws.
Through the Realtors Association of Metropolitan Pittsburgh, new agents are required to take fourteen (14) hours of continuing education during their first two years of membership. Between two (2) and three (3) hours directly address Fair Housing. The Realtors Association of Metropolitan Pittsburgh offers continuing education courses on a variety of topics including a 3.5 hour course on Fair Housing as well as Diversity Training several times each year to ensure that its members are up to date on policies, practices, and procedures. Including all pre-license and post-license education, RAMP estimates that the average agent is exposed to approximately 6-8 hours of continuing education that directly or indirectly relates to Fair Housing. RAMP has the necessary policies in place to handle fair housing discrimination complaints.
2. Newspaper Advertising
Under Federal Law, no advertising with respect to the sale or rental of a dwelling unit may indicate any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin. Under the Fair Housing Act Amendments, descriptions are listed in regard to the use of words, photographs, symbols or other approaches that are considered discriminatory.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 61
Real estate advertisements were reviewed for several real estate publications, including the Homes Guide by Realtors and Apartments for Rent. Both of these publications contained HUD’s publisher’s notice indicating that all advertisements were subject to the Federal Fair Housing Act and that all advertised housing is available on an equal opportunity basis. The real estate and lender’s advertisements in each of these publications include the equal housing opportunity logo on each page. None of the advertisements contained language that prohibited occupancy by any group.
3. Private Financing
The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (F.I.R.R.E.A.) requires any commercial institution that makes five (5) or more home mortgage loans, to report all home loan activity to the Federal Reserve Bank under the Home Mortgage Disclosure Act (HMDA). The annual HMDA data can be found online at www.ffiec.gov/hmda/ and is included in the Appendix B of this Analysis of Impediments. The following tables provide an analysis of the HMDA data. Data for the City of McKeesport and Allegheny County is highlighted where possible. All other data is that of the entire Pittsburgh Metropolitan Statistical Area (MSA).
Table IV-10 below compares lending in the City of McKeesport to Allegheny County and the Greater Pittsburgh Metro Area in which McKeesport is located. Lending in the City of McKeesport comprised only a small portion of the lending in Allegheny County and the metro area in 2009.
Table IV-11 shows the conventional loan applications in the City of McKeesport. Over half (52.38%) of the loan applications in the City were approved.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 62
Table IV-11 – Disposition of Conventional Loans
City of McKeesport
Count
% of McKeesport Applications
% of Total MSA Applications
Loans Originated 11 52.4% 0.10%
Applications Denied 2 9.5% 0.24%
Applications Withdrawn
5 23.8% 0.34%
Approved, Not Accepted
2 9.5% 0.18%
File Closed for Incompleteness
1 4.8% 0.52%
Table IV-12 outlines the disposition of conventional loans in the Pittsburgh MSA by income level. Loan applications from low-income households have the highest denial rates, and upper-income households have the highest origination rates.
Table IV-12 – Disposition of Conventional Loans by Income Level
Tables IV-13, IV-14, and IV-15 show the dispositions of conventional loans disaggregated by minority status and income level for the Pittsburgh MSA. The number of applications for conventional loans submitted by White, Non-Hispanic applicants significantly outnumbers Minority applicants in each income level analyzed. In each income category, the percentage of loans originated by White households exceeds the percentage of loans originated by Minority households, based on the number of applicants in each minority status category. Conversely, Minority applicants experience a higher rate of denial than White, Non-Hispanic applicants at each income level. In fact, the denial rates for minorities who are moderate- or middle-income are almost doubled those of white applicants in those same income categories. Also noteworthy is the portion of applications that are approved but not accepted. This occurs at a higher
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 63
rate for minorities than for white applicants who are low- or middle-income, but at a higher rate for white applicants who are moderate-income.
Table IV-13 – Conventional Loan Disposition Rates by Minority Status, Low Income
Min
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White, Non-Hispanic
1,226 92.7% 789 64.4% 280 22.8% 57 4.6% 82 18
Minority, Including Hispanic
96 7.3% 43 44.8% 33 34.4% 7 7.3% 11 2
Total 1,322 -- 832 -- 313 -- 64 -- 93 20
The number of white, non-Hispanic low-income applicants significantly outnumbers the number of minority applicants. Minority applicants also have a higher rate of denial than white applicants.
Table IV-14 – Conventional Loan Disposition Rates by Minority Status, Moderate Income
Min
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% o
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White, Non-Hispanic
2,375 93.6% 1,810 76.2% 245 10.3% 123 5.2% 169 28
Minority, Including Hispanic
162 6.4% 103 63.6% 32 19.8% 8 4.9% 17 2
Total 2,537 -- 1,913 -- 277 -- 131 -- 186 30
The number of white, non-Hispanic moderate-income applicants significantly outnumbers the number of minority applicants. The denial rate of minority applicants is almost double that of white applicants.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 64
Table IV-15 – Conventional Loan Disposition Rates by Minority Status, Middle Income M
ino
rity
S
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White, Non-Hispanic
2,926 94.5% 2,308 78.9% 239 8.2% 149 5.1% 207 23
Minority, Including Hispanic
171 5.5% 109 63.7% 28 16.4% 15 8.8% 15 4
Total 3,097 -- 2,417 -- 267 -- 164 -- 222 27
The number of white, non-Hispanic moderate-income applicants significantly outnumbers the number of minority applicants. The denial rate of minority applicants is more than twice that of white applicants. Table IV-16 offers a closer look at the denial rates of conventional loans by denial reason and income level. Not surprisingly, for low-, moderate-, and middle-income applicants, the most common denial reasons include debt-to-income ratio and credit history. The most common denial reasons for upper-income applicants include collateral and credit history. Overall, the most common reason for denial is credit history. Debt-to-income ratio and collateral are the second most common reasons for the denial of conventional loans in the Pittsburgh MSA.
Table IV-16 – Conventional Loan Denial Rates by Denial Reason and Income Level
Analysis of Impediments to Fair Housing Choice 2010 Update Page 65
An additional analysis of loans granted by race in McKeesport, Pennsylvania, and across the country is beneficial to further illustrate the financial trends in the City of McKeesport. The following tables present data gathered from www.dataplace.org. Table IV-17 presents loans for the purchase of single-family homes by race. The City of McKeesport has a high proportion of home loans made to black and other minority households relative to Pennsylvania and, in some instances, the United States.
Table IV-17 – Home Purchase Loans by Race
Loans by Race City of
McKeesport Allegheny
County Pennsylvania
United States
Percentage of owner-occupied home purchase loans to Whites (2007)
81.3% 90.0% 84.1% 72.7%
Percentage of owner-occupied home purchase loans to Blacks (2007)
17.3% 4.5% 5.9% 7.9%
Percentage of owner-occupied home purchase loans to Asian/Pacific Islanders (2007)
0% 2.9% 3.6% 5.2%
Percentage of owner-occupied home purchase loans to Native Americans (2007)
0% 0.1% 0.1% 0.3%
Percentage of owner-occupied home purchase loans to Hispanics (2007)
1.3% 0.8% 4.5% 10.8%
Percentage of owner-occupied home purchase loans to mixed race pairs (2007)
0% 1.6% 1.7% 2.9%
Percentage of owner-occupied home purchase loans to minorities (2007)
18.7% 10.0% 15.9% 27.3%
Percentage of owner-occupied home purchase loans made to multiracial applicants (2007)
0.0% 0.2% 0.1% 0.2%
Source: www.dataplace.org
Table IV-18 highlights home loans made in McKeesport, Pennsylvania, and the United States. The Median income in McKeesport is significantly lower than the rest of the Commonwealth and Country. As a result, there is a significantly higher portion of very low- and low-income loans made in the City of McKeesport than in Allegheny County, Pennsylvania, or nationally.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 66
Table IV-18 – Home Purchase Loans by Income
Income City of
McKeesport Allegheny
County Pennsylvania
United States
Median borrower income for owner-occupied purchase 1 to 4 family (2007)
$37,000 $64,000 $66,000 $74,000
Median income of purchase borrowers (1 to 4 families)/median owner income (2007)
0.96 1.07 1.11 1.13
Percentage of owner-occupied home purchase loans to very low-income borrowers (2007)
31.8% 22.8% 8.4% 5.7%
Percentage of owner-occupied home purchase loans to low-income borrowers (2007)
38.8% 24.9% 23.1% 19.2%
Percentage of owner-occupied home purchase loans to middle-income borrowers (2007)
24.7% 45.3% 26.7% 25.8%
Percentage of owner-occupied home purchase loans to high-income borrowers (2007)
4.7% 7.0% 41.8% 49.3%
Source: www.dataplace.org
Table IV-19 considers the percentage of conventional and refinancing mortgages made by subprime lenders. The prevalence of these loans in the City of McKeesport in 2005 (the most recent data available) significantly exceeds the rates for the County, the rest of the Commonwealth, and the nation.
Table IV-19 – Loans from Subprime Lenders by Purpose and Loan Type
Type City of
McKeesport Allegheny
County Pennsylvania
United States
Percentage of conventional home purchase mortgage loans by subprime lenders (2005)
22.3% 9.7% 9.8% 17.7%
Percentage of conventional refinancing mortgage loans by subprime lenders (2005)
33.6% 20.3% 18.1% 20.4%
Source: www.dataplace.org
In February 2011, Lending Patterns released a study that analyzed national HMDA data from 2004-2009. The study found that discriminatory lending practices are still occurring across the nation, despite the creation of organizations such as Fannie Mae
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 67
and Freddie Mac, and the implementation of the Community Reinvestment Act. Specifically, this study found that it is more difficult for an African American and Latino household to secure financing to purchase a home. Additionally, lending is also limited in census tracts that have relatively high foreclosure activity. Furthermore, African American and Latino homeowners are disproportionately affected by foreclosures. The implications of these findings indicate that minority populations and neighborhoods will be disproportionately affected over the long run as they struggle to recover from the immediate financial ramifications of a foreclosure, as well as the longer-term impacts to the neighborhood. These trends are nationwide. The Fair Housing Partnership of Greater Pittsburgh also completed a study of lending practices in the Pittsburgh area. FHP managed testing of mortgage lenders between April 2007 and April 2008. Their findings indicate that disparities in lending by race exist in the Pittsburgh area.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 68
D. Citizen Participation: The City of McKeesport’s 2010 Update to its Analysis of Impediments to Fair Housing Choice was available for public comment on the City’s website (www.mckeesport.org) and at the City’s Department of Community Development Office, located at 500 Fifth Avenue. The document was available for ten (10) days beginning on February 9, 2011. Citizens wishing to provide feedback on the Analysis of Impediments were encouraged to submit their comments in writing to the City’s Department of Community Development by February 18, 2011.
E. Potential Impediments and Recommendations: The following impediments to fair housing choice and recommendations are presented to assist the City of McKeesport to affirmatively further fair housing in the community. The previously identified impediments to fair housing choice were discussed in Section III and progress was reported for each impediment. New and carried over impediments to Fair Housing Choice are presented in chart format on the pages that follow.
Impediment to Be Addressed Goal Strategies to Meet the GoalResponsible Entities
Assigned to Meet StrategiesBenchmark
Proposed Five Year Investment
Year to Be Completed
City of McKeesport Fund one activity/initiative each year $500 2014Financial Institutions Support education and outreach annually Other Funds 2014
City of McKeesport Evaluate and restructure the MHRC as necessary.
$0 2011
McKeesport Human Relations Commission
Self‐evaluation of the role of the MHRC $0 2011
City of McKeesport Support a program $0 2014
Fair Housing Partnership of Greater Pittsburgh, McKeesport Neighborhood Initiative and Dollar Bank
Provide housing counseling to 5 households per year
Other Funds 2014
City of McKeesport Support one program each year $0 2014Fair Housing Partnership of Greater Pittsburgh
Provide fair housing services $5,000 2014
1‐E: Include fair housing information and contacts on the City website. City of McKeesport Update the City's Website $2,500 2011
1‐F: Continue to raise awareness of fair housing through the creation of an educational brochure and proclaiming Fair Housing Month.
City of McKeesport Publish a brochure, proclaim annual Fair Housing Month
$1,000 2014
City of McKeesport (HOME Funds)
Fund one activity each year through HOME Funds
$150,000 2014
McKeesport Housing Corporation (CHDO Funds)
Develop 5 new single family houses and housing rehab for resale
$250,000 2014
McKeesport Housing Authority
Develop 5 scattered site housing units $250,000 2014
McKeesport Neighborhood Initiative
Develop new single family houses $50,000 2014
City of McKeesport (HOME Funds)
Provide financial incentives for housing development
$50,000 2014
McKeesport Housing Corporation (CHDO Funds)
Fund housing rehabilitation $250,000 2014
City of McKeesport (HOME Funds)
Support homeownership activities $50,000 2014
McKeesport Housing Corporation (CHDO Funds)
Develop new scattered site housing $100,000 2014
Fair Housing Partnership of Greater Pittsburgh
Assist McKeesport households through housing counseling
Other Funds 2014
Financial Institutions Provide housing counseling Other Funds 2014
City of McKeesport (HOME Funds)
Provide funds for homeowner rehabilitation $250,000 2014
McKeesport Housing Corporation (CHDO Funds)
Rehabilitate 5 houses per year $250,000 2014
3‐B: Increase the number of accessible public housing units, particularly for the elderly.
McKeesport Housing Authority
Provide 2 additional housing units each year $150,000 2014
1‐A: Fund and support public education, training, and programs concerning the rights and responsibilities covered by the Fair Housing Act.
1‐B: Evaluate the role of the McKeesport Human Relations Commission in developing, maintaining and supporting efficient and effective fair housing monitoring, education, and enforcement strategies.
1‐C: Support and promote the delivery of housing counseling programs and credit counseling for low‐income and minority households.
1‐D: Support and promote the delivery of fair housing services to at‐risk groups and victims of housing discrimination.
2‐B: Support opportunities and financial incentives to develop mixed‐income housing in areas with high concentration of low‐income and minority households.
2‐A: Increase the supply of affordable housing opportunities for low‐income and minority households outside of the areas of concentration.
2‐C: Increase homeownership opportunities for low‐income households by providing funds, or causing to provide, for housing counseling, credit counseling, and downpayment assistance.
IMPEDIMENT NO. 3 ‐ HOUSING ACCESSIBILITY – The supply of accessible, affordable housing that is decent, safe, and sound does not meet the demand, resulting in limited housing options for persons who are physically challenged.
3‐A: Provide financial and technical assistance for homeowners and landlords seeking to rehabilitate housing units to make accessibility improvements to their properties.
Increase awareness of tenant rights, landlord responsibilities, and work to eliminate any discriminatory practices in the sale or lease of houses through education, advocacy, monitoring, and enforcement, to provide fair housing opportunities to all individuals and families.
IMPEDIMENT NO. 1 ‐ FAIR HOUSING EDUCATION, ADVOCACY, MONITORING, AND ENFORCEMENT – There is a need for increased awareness of an individual’s rights under the Fair Housing Act and a need for continued monitoring and enforcement of the Fair Housing Act.
Promote new affordable housing choices outside areas of low‐income and minority concentration in order to lessen concentrations in impacted areas.
IMPEDIMENT NO. 2 ‐ CONCENTRATION OF LOW‐INCOME AND MINORITY GROUPS – There are concentrations of low‐income and minority households in certain areas of the City.
Increase the supply of decent, safe, and sound housing that is both affordable and accessible to low‐ and moderate‐income households who are physically challenged and/or the frail elderly.
** The Proposed Five Year Investments cannot be totalled across strategies, as some funds will be used to address multiple strategies and goals.
Impediment to Be Addressed Goal Strategies to Meet the GoalResponsible Entities
Assigned to Meet StrategiesBenchmark
Proposed Five Year Investment
Year to Be Completed
3‐C: Support applications from non‐profit agencies for Federal funds under the HUD Section 811 and 202 Supportive Housing Programs and State funds through PHFA to develop accessible, affordable housing for persons who are physically challenged and the elderly.
City of McKeesport Support at least one application for supportive housing and encourage housing agencies to submit applications for Federal and State funds
$0 2014
City of McKeesport Provide educational programs $1,000 (tied to the funds for Strategy
1F)
2014
McKeesport Housing Authority
Provide resident educational programs $10,000 2014
Fair Housing Partnership of Greater
Promote "reasonable accommodations" in rental housing
Other Funds 2014
4‐A: The City will review the City’s Zoning Ordinance and update restrictive definitions.
City of McKeesport Revise current zoning ordinance potentially by a private entity
$5,000 2012
4‐B: The City will ensure that the Zoning Ordinance is in accordance with, and makes reference to, the Fair Housing Act, the Americans with Disabilities Act, and other Federal and State laws.
City of McKeesport Revise current zoning ordinance potentially by a private entity
$5,000 2012
4‐C: Review the City’s Zoning Ordinance with regard to the location of shelters, supportive housing and transitional housing in various zoning districts, and make necessary updates.
City of McKeesport Monitor and track locations to ensure dispersal throughout the City
$2,500 2012
City of McKeesport Advocate for better bus service Staff Time 2013
McKeesport Housing Authority
Advocate for better bus service $0 2013
City of McKeesport Advocate for better bus service Staff Time 2012
McKeesport Housing Authority
Continue funding for resident transportation
$0 2014
5‐C: Work with the Port Authority of Allegheny County to ensure that service routes meet the needs of McKeesport Residents.
City of McKeesport Advocate for better bus service Staff Time 2014
6‐A: Support the flyover to the McKeesport Industrial Park. Allegheny County Match State funds for construction work $10,000,000 2014
6‐B: Promote entrepreneurship and small business development to provide economic opportunities to low‐income persons.
McKeesport Development Corporation
Funds for small business development loans $50,000 2014
6‐C: Support and enhance workforce development and job training to improve job skills for the unemployed and underemployed.
Pennsylvania Job Corps Provide funds for training programs $100,000 2014
Increase job opportunities to increase household income, allowing for more housing choices.
IMPEDIMENT NO. 6 ‐ ECONOMIC OPPORTUNITIES – There is a lack of economic opportunities and jobs in the City of McKeesport, making it difficult for low‐income households to maintain or improve their living conditions.
5‐A: Educate the community on how to provide feedback to the Port Authority of Allegheny County to ensure that the Port Authority is aware of the transportation needs in the City of McKeesport.
5‐B: Support transportation services such as ACCESS so that elderly community members may continue to have reliable transportation services.
3‐D: Support educational programs to inform the public of the need for accessible housing in the City.
IMPEDIMENT NO. 5 ‐ PUBLIC TRANSPORTATION – Public transportation within the City of McKeesport and between the City and other regional employment centers such as the City of Pittsburgh is limited and threatens additional service cuts.
To maintain current public transportation and advocate for increased service.
Update the City’s policies and procedures to comply with the Fair Housing Act.
IMPEDIMENT NO. 4 ‐ PUBLIC POLICIES – The City of McKeesport regulates land use through its Zoning Ordinance, Building Codes, and Code Enforcement program. Some of these policies are outdated and may be too restrictive as they are currently written.
** The Proposed Five Year Investments cannot be totalled across strategies, as some funds will be used to address multiple strategies and goals.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 70
VI. Appendix
The following items are in the appendix:
Appendix A – Demographic Data
The 2000 Census Data for the City of McKeesport, Allegheny County, and Pennsylvania
Appendix B – Maps
Maps of the City of McKeesport Appendix C – Home Mortgage Disclosure Act Data
CRA Reports for May 24, 2010
Appendix D – HUD-CHAS Data
HUD-CHAS Data Tables for the City of McKeesport
Appendix E – Meeting Summaries
Summaries of meetings held with housing providers, city staff, social service agencies, the McKeesport Housing Authority, the Pittsburgh Commission on Human Relations, and the Fair Housing Partnership of Greater Pittsburgh are attached.
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 71
A. Appendix A – Demographic Data
Attached is the 2000 U.S. Census Data for the City of McKeesport, Allegheny County, and the Commonwealth of Pennsylvania.
Subject Number Percent Number Percent Number Percent
Total population 24,040 100 1,281,666 100 12,281,054 100
SEX AND AGE
Male 11,034 45.9 607,002 47.4 5,929,663 48.3
Female 13,006 54.1 674,664 52.6 6,351,391 51.7
Under 5 years 1,657 6.9% 71,081 5.5 727,804 5.9
5 to 9 years 1,717 7.1% 79,385 6.2 827,945 6.7
10 to 14 years 1,725 7.2% 82,688 6.5 863,849 7
15 to 19 years 1,571 6.5% 81,721 6.4 850,986 6.9
20 to 24 years 1,255 5.2% 75,792 5.9 746,086 6.1
25 to 34 years 2,687 11.2% 161,277 12.6 1,560,486 12.7
35 to 44 years 3,286 13.7% 201,974 15.8 1,948,076 15.9
45 to 54 years 3,092 12.9% 181,542 14.2 1,705,032 13.9
55 to 59 years 1,104 4.6% 63,512 5 619,969 5
60 to 64 years 923 3.8% 54,278 4.2 511,656 4.2
65 to 74 years 2,187 9.1% 112,549 8.8 969,272 7.9
75 to 84 years 2,035 8.5% 87,724 6.8 712,326 5.8
85 years and over 801 3.3% 28,143 2.2 237,567 1.9
Median age (years) 39.7 (X) 39.6 (X) 38 (X)
18 years and over 17 929 74 6 1 000 490 78 1 9 358 833 76 2
City of McKeesport Allegheny County Pennsylvania
18 years and over 17,929 74.6 1,000,490 78.1 9,358,833 76.2
Male 7,790 32.4 463,140 36.1 4,430,102 36.1
Female 10,139 42.2 537,350 41.9 4,928,731 40.1
21 years and over 17,103 71.1 950,171 74.1 8,842,276 72
62 years and over 5,594 23.3 260,451 20.3 2,219,927 18.1
65 years and over 5,023 20.9 228,416 17.8 1,919,165 15.6
Male 1,816 7.6 89,195 7 767,547 6.2
Female 3,207 13.3 139,221 10.9 1,151,618 9.4
RACE
One race 23,526 97.9 1,267,901 98.9 12,138,830 98.8
White 17,406 72.4 1,080,800 84.3 10,484,203 85.4
Black or African American 5,881 24.5 159,058 12.4 1,224,612 10
American Indian and Alaska Native 66 0.3 1,593 0.1 18,348 0.1
Asian 30 0.1 21,716 1.7 219,813 1.8
Asian Indian 4 0 7,487 0.6 57,241 0.5
Chinese 3 0 5,903 0.5 50,650 0.4
Filipino 10 0 1,189 0.1 14,506 0.1
Japanese 4 0 1,143 0.1 6,984 0.1
Korean 3 0 2,068 0.2 31,612 0.3
Vietnamese 0 0 1,638 0.1 30,037 0.2
Other Asian 1 6 0 2,288 0.2 28,783 0.2
General Characteristics, 2000 Census Data 1
Subject Number Percent Number Percent Number Percent
City of McKeesport Allegheny County Pennsylvania
Native Hawaiian and Other Pacific Islander 2 0 335 0 3,417 0
Native Hawaiian 1 0 88 0 897 0
Guamanian or Chamorro 0 0 59 0 646 0
Samoan 0 0 85 0 734 0
Other Pacific Islander 2 1 0 103 0 1,140 0
Some other race 141 0.6 4,399 0.3 188,437 1.5
Two or more races 514 2.1 13,765 1.1 142,224 1.2
Race alone or in combination with one or more other races 3
White 17,831 74.2 1,091,899 85.2 10,596,409 86.3
Black or African American 6,286 26.1 166,731 13 1,289,123 10.5
American Indian and Alaska Native 178 0.7 5,419 0.4 52,650 0.4
Asian 73 0.3 24,722 1.9 248,601 2
Native Hawaiian and Other Pacific Islander 4 0 758 0.1 8,790 0.1
Some other race 215 0.9 7,430 0.6 238,700 1.9
HISPANIC OR LATINO AND RACE
Total population 24,040 100 1,281,666 100 12,281,054 100
Hispanic or Latino (of any race) 361 1.5 11,166 0.9 394,088 3.2
Mexican 143 0.6 3,568 0.3 55,178 0.4
Puerto Rican 107 0.4 2,216 0.2 228,557 1.9
Cuban 10 0 622 0 10,363 0.1,
Other Hispanic or Latino 101 0.4 4,760 0.4 99,990 0.8
Not Hispanic or Latino 23,679 98.5 1,270,500 99.1 11,886,966 96.8
White alone 17,238 71.7 1,074,129 83.8 10,322,455 84.1
RELATIONSHIP
Total population 24,040 100 1,281,666 100 12,281,054 100
In households 22,715 94.5 1,241,049 96.8 11,847,753 96.5
AGGREGATE TABLE 3-1: LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS AND PURCHASED LOANS), 2009
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC
PRIVATESECURITI-
ZATION
COMMERCIALBANK, SAVINGS
BANK, OR SAVINGASSOC
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS ROW REFLECTS ACTIVITY FOR THE FULL YEAR)
AGGREGATE TABLE 3-2: PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS ROW REFLECTS ACTIVITY FOR THE FULL YEAR)
AGGREGATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Race and Gender 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 4-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Ethnicity, Gender and Income 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Race and Gender 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 4-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Ethnicity, Gender and Income 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Race and Gender 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 4-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Ethnicity, Gender and Income 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Race and Gender 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 4-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Ethnicity, Gender and Income 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 11 80 80
MALE 11 80 80
FEMALE
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL) 2 13 601 401 200
RACE NOT AVAILABLE (TOTAL) 6/ 108 6 27 3 3147 129293 109000 8493 9962 550 1288
MALE 22 181 181
FEMALE 11 600 600
JOINT (MALE/FEMALE) 22 302 302
Report Date: 05/24/2010
AGGREGATE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Race and Gender 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 11 6 6
MALE 11 6 6
FEMALE
JOINT (MALE/FEMALE)
NOT HISPANIC OR LATINO (TOTAL) 38 4 18 6 167 13714 9113 921 2020 1588 72
AGGREGATE TABLE 4-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Ethnicity, Gender and Income 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 1 23 96 41 55
AGGREGATE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Race and Gender 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 4-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Ethnicity, Gender and Income 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
AMERICAN INDIAN/ALASKA NATIVE (TOTAL) 22 167 167
MALE 11 75 75
FEMALE 11 92 92
JOINT (MALE/FEMALE)
ASIAN (TOTAL)
MALE
FEMALE
JOINT (MALE/FEMALE)
BLACK OR AFRICAN AMERICAN (TOTAL) 1 14 116 736 108 536 92
AGGREGATE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Race and Gender 5/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 2
HISPANIC OR LATINO (TOTAL) 2 2 59 586 81 84 421
MALE 1 1 13 259 62 47 150
FEMALE 1 1 24 193 19 37 137
JOINT (MALE/FEMALE) 11 133 133
NOT HISPANIC OR LATINO (TOTAL) 432 85 452 91 281088 68624 28536 5352 25316 7528 1892
AGGREGATE TABLE 4-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Ethnicity, Gender and Income 7/ 18/ 19/
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 2
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 11 102 102
ASIAN 7 8 4 221 1982 629 754 405 194
BLACK OR AFRICAN AMERICAN 118 7 22 16 6169 10159 7072 388 1245 1075 379
AGGREGATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 11 74 74
ASIAN 14 115 2426 2168 258
BLACK OR AFRICAN AMERICAN 65 3 9 4 283 8922 6651 401 1164 527 179
AGGREGATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 22 205 205
ASIAN 27 1 1 635 7720 6450 201 107 962
BLACK OR AFRICAN AMERICAN 44 2 5 758 10634 8080 475 931 1148
AGGREGATE TABLE 5-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1 23 119 30 89
ASIAN 20 3 6 130 2366 1599 218 514 35
BLACK OR AFRICAN AMERICAN 15 4 19 7 247 2267 925 244 844 202 52
AGGREGATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1 12 296 62 234
ASIAN 24 1 6 5 339 5220 3416 100 759 600 345
BLACK OR AFRICAN AMERICAN 16 4 7 128 2537 1765 319 421 32
AGGREGATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 5 1 17 1259 917 260 82
AGGREGATE TABLE 5-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 6 9 823 1736 497 572 667
ASIAN 4 16 828 2684 333 1604 747
BLACK OR AFRICAN AMERICAN 35 16 128 40 9228 13523 2006 962 7434 2626 495
AGGREGATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 5-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 5 813 298 184 114
ASIAN 2 1 69 452 73 68 311
BLACK OR AFRICAN AMERICAN 40 4 184 8 1237 3665 462 86 2952 140 25
AGGREGATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1 3 15 131 10 26 95
ASIAN 3 25 109 49 60
BLACK OR AFRICAN AMERICAN 27 4 40 7 280 1803 663 93 736 180 131
AGGREGATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1 34 417 207 210
ASIAN 11 3 5 5 125 3123 1366 335 577 745 100
BLACK OR AFRICAN AMERICAN 38 2 45 590 3067 1329 32 1396 310
AGGREGATE TABLE 5-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
LESS THAN 50% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 1 1 13 192 144 26 22
BLACK OR AFRICAN AMERICAN 4 31 2 138 971 103 753 45 70
NAT HAWAIIAN/OTHER PACIFIC ISL
WHITE 89 13 105 14221 11170 5732 660 3652 1126
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 11 2 2
RACE NOT AVAILABLE 6/ 7 1 24 3 136 1556 479 36 915 106 20
ETHNICITY 7/
HISPANIC OR LATINO 1 23 66 26 40
NOT HISPANIC OR LATINO 89 17 135 17 1259 12275 5885 763 4364 1193 70
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 7 1 25 3 137 1550 444 36 944 106 20
AGGREGATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 3
80-99% OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 22 55 55
ASIAN 3 1 15 283 181 42 60
BLACK OR AFRICAN AMERICAN 3 1 8 3 217 758 231 39 284 84 120
OTHERS, INCLUDING HISPANIC 13 11 327 2058 965 840 253
Report Date: 05/24/2010
AGGREGATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 2 of 3
120% OR MORE OF MSA/MD MEDIAN
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 11 41 41
ASIAN 17 2 11 5 136 6477 2493 307 2319 1347 11
BLACK OR AFRICAN AMERICAN 20 2 10 537 3171 1971 63 667 470
AGGREGATE TABLE 5-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
AGGREGATE TABLE 5-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY INCOME, RACE AND ETHNICITY OF APPLICANT, 2009
MSA/MD: 38300 - PITTSBURGH, PA
Income, Race and Ethnicity Continued
ApplicationsReceived 20/
LoansOriginated
Apps. Approved ButNot Accepted
ApplicationsDenied
ApplicationsWithdrawn
Files Closed ForIncompleteness
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 3 of 3
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 7397 291 792 619 1399238 1150582 930115 34877 91490 78568 15532
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1AGGREGATE TABLE 7-1: DISPOSITION OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 9832 690 1198 917 14712784 1949472 1544314 109222 134494 142605 18837
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1AGGREGATE TABLE 7-2: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 31752 3174 12331 7417 163956313 8421686 4914738 461314 1701271 1098035 246328
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1AGGREGATE TABLE 7-3: DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 5186 452 3107 666 1279538 414014 240606 20364 110224 34539 8281
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1AGGREGATE TABLE 7-4: DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 85 7 24 6 2124 70297 57761 4172 6306 1330 728
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1AGGREGATE TABLE 7-5: DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 1450 138 685 285 492607 258539 149710 13298 60399 29527 5605
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1AGGREGATE TABLE 7-6: DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 451 93 493 103 291169 75203 29774 6163 28232 8975 2059
Number Number Number Number Number Number$000's $000's $000's $000's $000's $000's
Page 1 of 1AGGREGATE TABLE 7-7: DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED, 2009
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 11 50 50 2 100
ASIAN 2 2 17 50 14 14 7 1 7 1 7 14 100
BLACK OR AFRICAN AMERICAN 2 20 12 4 316 23 3 28 17 6 4 6 8 8 11 71 100
100-119% OF MSA/MD MEDIAN 3 18 17 210 14 4 24 23 3 9 12 15 20 74 100
120% OR MORE OF MSA/MD MEDIAN 6 33 41 8 731 19 4 20 25 5 4 12 7 28 17 166 100
INCOME NOT AVAILABLE 6/ 2 3 2 13 25 17 25 17 8 1 8 12 100
Report Date: 05/24/2010
MSA/MD: 38300 - PITTSBURGH, PA
Applicant Characteristics Debt-to- Income
RatioEmployment
History Credit History Collateral
InsufficientCash
UnverifiableInformation
Number Number Number Number Number Number% % % % % %
Page 1 of 1
Credit App.Incomplete
Number %
MortgageInsurance
Denied
Number %
Other
Number %
Total /22
Number %
AGGREGATE TABLE 8-1: REASONS FOR DENIAL OF APPLICATIONS FOR FHA, FSA/RHS, AND VA HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 2 250 50 4 100
ASIAN 2 6 7 2 411 26 5 14 16 5 9 5 12 6 14 43 100
BLACK OR AFRICAN AMERICAN 26 13 1 18 14 46 23 2 2 4 7 1 2 2 4 56 100
120% OR MORE OF MSA/MD MEDIAN 6 100 156 19 1676 15 1 20 31 4 3 34 7 7 1 85 17 499 100
INCOME NOT AVAILABLE 6/ 3 14 5 513 24 5 25 9 9 2 4 13 24 55 100
Report Date: 05/24/2010
MSA/MD: 38300 - PITTSBURGH, PA
Applicant Characteristics Debt-to- Income
RatioEmployment
History Credit History Collateral
InsufficientCash
UnverifiableInformation
Number Number Number Number Number Number% % % % % %
Page 1 of 1
Credit App.Incomplete
Number %
MortgageInsurance
Denied
Number %
Other
Number %
Total /22
Number %
AGGREGATE TABLE 8-2: REASONS FOR DENIAL OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
120% OR MORE OF MSA/MD MEDIAN 23 721 1649 262 164475 11 1 17 39 6 4 395 9 23 1 496 12 4208 100
INCOME NOT AVAILABLE 6/ 17 138 116 19 3565 12 3 26 22 4 7 31 6 1 0 109 21 531 100
Report Date: 05/24/2010
MSA/MD: 38300 - PITTSBURGH, PA
Applicant Characteristics Debt-to- Income
RatioEmployment
History Credit History Collateral
InsufficientCash
UnverifiableInformation
Number Number Number Number Number Number% % % % % %
Page 1 of 1
Credit App.Incomplete
Number %
MortgageInsurance
Denied
Number %
Other
Number %
Total /22
Number %
AGGREGATE TABLE 8-3: REASONS FOR DENIAL OF APPLICATIONS TO REFINANCE LOANS ON 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
120% OR MORE OF MSA/MD MEDIAN 12 378 195 59 23133 14 1 40 20 6 2 33 3 123 13 956 100
INCOME NOT AVAILABLE 6/ 3 31 4 312 19 5 48 6 5 11 17 64 100
Report Date: 05/24/2010
MSA/MD: 38300 - PITTSBURGH, PA
Applicant Characteristics Debt-to- Income
RatioEmployment
History Credit History Collateral
InsufficientCash
UnverifiableInformation
Number Number Number Number Number Number% % % % % %
Page 1 of 1
Credit App.Incomplete
Number %
MortgageInsurance
Denied
Number %
Other
Number %
Total /22
Number %
AGGREGATE TABLE 8-4: REASONS FOR DENIAL OF APPLICATIONS FOR HOME IMPROVEMENT LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1 100 1 100
ASIAN
BLACK OR AFRICAN AMERICAN
NAT HAWAIIAN/OTHER PACIFIC ISL
WHITE 12 1 36 22 44 4 11 5 19 27 100
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 7 8 8 16 17 19 22 22 3 6 17 36 100
ETHNICITY 7/
HISPANIC OR LATINO 1 100 1 100
NOT HISPANIC OR LATINO 11 1 34 17 46 4 13 5 21 24 100
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 8 8 8 18 21 21 21 21 3 6 15 39 100
MINORITY STATUS 8/
WHITE NON-HISPANIC 10 1 34 17 43 4 13 5 22 23 100
OTHERS, INCL. HISPANIC 2 100 2 100
GENDER 19/
MALE 7 33 17 39 17 5 28 18 100
FEMALE 31 25 75 4 100
JOINT (MALE/FEMALE) 4 3 23 23 31 23 15 1 8 13 100
GENDER NOT AVAILABLE 6/ 6 6 6 15 17 21 21 21 3 5 17 29 100
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN
50-79% OF MSA/MD MEDIAN
80-99% OF MSA/MD MEDIAN
100-119% OF MSA/MD MEDIAN
120% OR MORE OF MSA/MD MEDIAN
INCOME NOT AVAILABLE 6/ 20 9 11 112 19 31 14 17 2 11 17 64 100
Report Date: 05/24/2010
MSA/MD: 38300 - PITTSBURGH, PA
Applicant Characteristics Debt-to- Income
RatioEmployment
History Credit History Collateral
InsufficientCash
UnverifiableInformation
Number Number Number Number Number Number% % % % % %
Page 1 of 1
Credit App.Incomplete
Number %
MortgageInsurance
Denied
Number %
Other
Number %
Total /22
Number %
AGGREGATE TABLE 8-5: REASONS FOR DENIAL OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1 100 1 100
ASIAN 3 1 17 37 16 5 5 2 11 5 26 19 100
BLACK OR AFRICAN AMERICAN 3 34 17 117 20 4 40 20 1 3 4 9 11 84 100
120% OR MORE OF MSA/MD MEDIAN 3 63 137 17 1656 13 1 15 33 4 4 36 9 88 21 416 100
INCOME NOT AVAILABLE 6/ 3 21 17 5 325 23 3 19 15 5 3 1 1 36 32 111 100
Report Date: 05/24/2010
MSA/MD: 38300 - PITTSBURGH, PA
Applicant Characteristics Debt-to- Income
RatioEmployment
History Credit History Collateral
InsufficientCash
UnverifiableInformation
Number Number Number Number Number Number% % % % % %
Page 1 of 1
Credit App.Incomplete
Number %
MortgageInsurance
Denied
Number %
Other
Number %
Total /22
Number %
AGGREGATE TABLE 8-6: REASONS FOR DENIAL OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, 1 TO 4 FAMILY AND MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
LESS THAN 50% OF MSA/MD MEDIAN 4 76 15 2 141 27 3 50 10 1 1 12 8 151 100
50-79% OF MSA/MD MEDIAN 2 83 27 5 225 16 1 53 17 3 1 12 8 156 100
80-99% OF MSA/MD MEDIAN 37 20 17 10 54 29 1 1 1 3 4 69 100
100-119% OF MSA/MD MEDIAN 17 16 1 13 8 44 41 3 3 1 3 39 100
120% OR MORE OF MSA/MD MEDIAN 33 23 15 7 46 32 1 1 1 9 13 72 100
INCOME NOT AVAILABLE 6/ 1 25 1 25 2 50 4 100
Report Date: 05/24/2010
MSA/MD: 38300 - PITTSBURGH, PA
Applicant Characteristics Debt-to- Income
RatioEmployment
History Credit History Collateral
InsufficientCash
UnverifiableInformation
Number Number Number Number Number Number% % % % % %
Page 1 of 1
Credit App.Incomplete
Number %
MortgageInsurance
Denied
Number %
Other
Number %
Total /22
Number %
AGGREGATE TABLE 8-7: REASONS FOR DENIAL OF APPLICATIONS FOR HOME-PURCHASE, HOME IMPROVEMENT, OR REFINANCING LOANS, MANUFACTURED HOME DWELLINGS, BY RACE, ETHNICITY, GENDER AND INCOME OF APPLICANT, 2009
LESS THAN 10% MINORITY 509 257 28 200 224806 2 4.41 3.95
10-19% MINORITY 78 38 4 31 5621 4.50 4.15
20-49% MINORITY 47 24 4 12 7284 4.38 3.86
50-79% MINORITY 8 5 2 176 3.88 3.52
80-100% MINORITY 5 3 1 138 4.09 3.81
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 7 4 2 141 4.42 3.57
MODERATE INCOME 90 51 10 20 8701 1 4.28 3.76
MIDDLE INCOME 377 210 21 125 203312 1 4.33 3.73
UPPER INCOME 173 62 8 97 61771 4.67 5.14
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 1: PRICING INFORMATION FOR FHA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
# # # # # #
Page 1 of 2
7 - 7.99
#
8 OR MORE
#
MEAN MEDIAN3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 179
ASIAN 495 49510487 5.45 5.52
BLACK OR AFRICAN AMERICAN 2560 1750 152 536 12225570 3.98 3.36
NAT HAWAIIAN/OTHER PACIFIC ISL 1383
WHITE 61939 27032 2650 29431 2729617580 97 4.55 5.08
MODERATE INCOME 6108 3418 462 1646 55158962 31 4.30 3.64
MIDDLE INCOME 37264 19133 1968 14474 1623364504 66 4.41 3.91
UPPER INCOME 26235 8731 1077 15815 612283633 4.70 5.15
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 1: PRICING INFORMATION FOR FHA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
7 - 7.99
$000'S
8 OR MORE
$000'S
MEAN 30/ MEDIAN 31/3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1
ASIAN 1
BLACK OR AFRICAN AMERICAN 3 2 117 3.64 3.57
NAT HAWAIIAN/OTHER PACIFIC ISL 1
WHITE 30 9 4 17441 4.65 5.13
2 OR MORE MINORITY RACES 1
JOINT (WHITE/MINORITY RACE) 1 17 4.70 4.70
RACE NOT AVAILABLE 6/ 1 147 3.31 3.31
ETHNICITY 7/
HISPANIC OR LATINO 1 15 3.01 3.01
NOT HISPANIC OR LATINO 33 10 6 17463 4.61 5.03
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
1 15 3.15 3.15
ETHNICITY NOT AVAILABLE 6/ 43
MINORITY STATUS 8/
WHITE NON-HISPANIC 28 7 4 17431 4.76 5.16
OTHERS, INCLUDING HISPANIC 6 4 236 3.63 3.46
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 2 1 132 4.31 4.31
50-79% OF MSA/MD MEDIAN 12 4 1 7126 4.62 5.20
80-99% OF MSA/MD MEDIAN 7 2 1 493 4.62 5.10
100-119% OF MSA/MD MEDIAN 3 2 181 3.68 3.57
120% OR MORE OF MSA/MD MEDIAN 11 3 3 5183 4.63 4.91
INCOME NOT AVAILABLE 6/ 1
GENDER 19/
MALE 19 6 1 12237 4.69 5.24
FEMALE 24
JOINT (MALE/FEMALE) 16 6 5 5233 4.32 4.80
GENDER NOT AVAILABLE 6/ 22
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 30 10 5 15454 4.55 4.97
10-19% MINORITY 4 1 1 246 4.53 4.59
20-49% MINORITY 1 115 3.57 3.57
50-79% MINORITY
80-100% MINORITY 1
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 7 1 2 455 4.89 5.15
MIDDLE INCOME 19 9 2 8295 4.32 4.90
UPPER INCOME 9 2 2 5166 4.67 5.03
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 2: PRICING INFORMATION FOR VA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
# # # # # #
Page 1 of 2
7 - 7.99
#
8 OR MORE
#
MEAN MEDIAN3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 114
ASIAN 175
BLACK OR AFRICAN AMERICAN 414 347 672306 3.50 3.34
NAT HAWAIIAN/OTHER PACIFIC ISL 309
WHITE 3923 953 664 230666659 4.72 5.15
2 OR MORE MINORITY RACES 163
JOINT (WHITE/MINORITY RACE) 171 1711539 4.70 4.70
RACE NOT AVAILABLE 6/ 234 2348902 3.31 3.31
ETHNICITY 7/
HISPANIC OR LATINO 155 155967 3.01 3.01
NOT HISPANIC OR LATINO 4428 1220 902 230669981 4.65 5.03
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
159 1591042 3.15 3.15
ETHNICITY NOT AVAILABLE 6/ 8177
MINORITY STATUS 8/
WHITE NON-HISPANIC 3609 639 664 230664896 4.86 5.17
OTHERS, INCLUDING HISPANIC 899 661 2386210 3.58 3.34
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 191 53 1382440 4.75 5.30
50-79% OF MSA/MD MEDIAN 1323 368 148 80713661 4.73 5.24
80-99% OF MSA/MD MEDIAN 713 271 67 37511800 4.44 5.10
100-119% OF MSA/MD MEDIAN 364 215 14912512 3.73 3.57
120% OR MORE OF MSA/MD MEDIAN 2151 627 538 98639695 4.58 4.91
LESS THAN 10% MINORITY 4342 1389 835 211873061 4.55 4.91
10-19% MINORITY 319 64 67 1885384 4.64 5.15
20-49% MINORITY 81 811686 3.57 3.57
50-79% MINORITY
80-100% MINORITY 36
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 926 234 215 4775467 4.72 5.15
MIDDLE INCOME 2244 1018 367 85941060 4.33 4.90
UPPER INCOME 1572 282 320 97033640 4.75 5.17
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 2: PRICING INFORMATION FOR VA HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
7 - 7.99
$000'S
8 OR MORE
$000'S
MEAN 30/ MEDIAN 31/3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 5
ASIAN 3 2 1223 3.78 3.58
BLACK OR AFRICAN AMERICAN 11 8 2 191 3.71 3.43
NAT HAWAIIAN/OTHER PACIFIC ISL 3
WHITE 428 209 115 94 57003 3 2 4.22 4.04
2 OR MORE MINORITY RACES 1
JOINT (WHITE/MINORITY RACE) 5 3 1 164 4.03 3.55
RACE NOT AVAILABLE 6/ 20 14 3 3525 3.82 3.54
ETHNICITY 7/
HISPANIC OR LATINO 3 1 1 149 4.70 4.99
NOT HISPANIC OR LATINO 435 219 118 88 57285 3 2 4.19 3.99
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
LESS THAN 10% MINORITY 405 201 105 90 46912 3 2 4.22 4.03
10-19% MINORITY 37 22 11 4636 3.90 3.70
20-49% MINORITY 16 10 3 3308 3.98 3.68
50-79% MINORITY 6 3 2 132 5.09 4.94
80-100% MINORITY 3 327 3.43 3.50
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 2 1 126 4.65 4.65
MODERATE INCOME 70 46 16 6 1584 1 3.97 3.61
MIDDLE INCOME 230 128 47 51 23304 1 1 4.12 3.78
UPPER INCOME 165 62 58 41 24001 2 4.38 4.51
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
# # # # # #
Page 1 of 2
7 - 7.99
#
8 OR MORE
#
MEAN MEDIAN3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 846
ASIAN 392 192 20050810 3.91 4.30
BLACK OR AFRICAN AMERICAN 1794 1455 280 5911657 3.60 3.43
NAT HAWAIIAN/OTHER PACIFIC ISL 743
WHITE 55616 25183 16119 13098 6961171352 474 46 4.25 4.33
UPPER INCOME 32077 12379 11512 7276 511839687 399 4.35 4.49
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 3: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
7 - 7.99
$000'S
8 OR MORE
$000'S
MEAN 30/ MEDIAN 31/3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 3 312 5.52 5.66
BLACK OR AFRICAN AMERICAN 1 13 5.02 5.02
NAT HAWAIIAN/OTHER PACIFIC ISL
WHITE 60 52 7 1424 5.48 5.35
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1 12 5.20 5.20
RACE NOT AVAILABLE 6/ 1 119 5.00 5.00
ETHNICITY 7/
HISPANIC OR LATINO 1 13 5.11 5.11
NOT HISPANIC OR LATINO 63 55 7 1436 5.48 5.37
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
1 11 5.20 5.20
ETHNICITY NOT AVAILABLE 6/ 1 120 5.00 5.00
MINORITY STATUS 8/
WHITE NON-HISPANIC 59 51 7 1420 5.49 5.37
OTHERS, INCLUDING HISPANIC 6 620 5.32 5.16
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 2 1 114 5.87 5.87
50-79% OF MSA/MD MEDIAN 11 10 157 5.37 5.32
80-99% OF MSA/MD MEDIAN 9 956 5.35 5.31
100-119% OF MSA/MD MEDIAN 6 647 5.37 5.37
120% OR MORE OF MSA/MD MEDIAN 37 31 5 1282 5.52 5.33
INCOME NOT AVAILABLE 6/ 1 14 5.29 5.29
GENDER 19/
MALE 23 21 2103 5.46 5.39
FEMALE 10 8 262 5.61 5.36
JOINT (MALE/FEMALE) 33 29 3 1281 5.43 5.32
GENDER NOT AVAILABLE 6/ 14
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 49 42 6 1398 5.50 5.37
10-19% MINORITY 11 1136 5.22 5.14
20-49% MINORITY 6 5 121 5.63 5.54
50-79% MINORITY 5
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 2
MODERATE INCOME 6 5 132 5.42 5.36
MIDDLE INCOME 26 26187 5.31 5.28
UPPER INCOME 34 27 6 1239 5.60 5.51
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 4: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 6 - 6.99 7 - 7.99 8 - 8.99
# # # # # #
Page 1 of 2
9 - 9.99
#
10 OR MORE
#
MEAN MEDIAN5 - 5.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN 133 133891 5.51 5.66
BLACK OR AFRICAN AMERICAN 20 2024 5.02 5.02
NAT HAWAIIAN/OTHER PACIFIC ISL
WHITE 1721 1496 190 3519400 5.49 5.33
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 85 8583 5.20 5.20
RACE NOT AVAILABLE 6/ 8 8765 5.00 5.00
ETHNICITY 7/
HISPANIC OR LATINO 80 80250 5.11 5.11
NOT HISPANIC OR LATINO 1794 1569 190 3519829 5.50 5.33
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
85 859 5.20 5.20
ETHNICITY NOT AVAILABLE 6/ 8 81075 5.00 5.00
MINORITY STATUS 8/
WHITE NON-HISPANIC 1641 1416 190 3518854 5.51 5.33
OTHERS, INCLUDING HISPANIC 318 3181234 5.30 5.20
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 15 5 10201 6.03 6.35
50-79% OF MSA/MD MEDIAN 135 121 141754 5.36 5.31
80-99% OF MSA/MD MEDIAN 125 1251206 5.39 5.31
100-119% OF MSA/MD MEDIAN 66 661283 5.36 5.33
120% OR MORE OF MSA/MD MEDIAN 1615 1414 166 3516321 5.49 5.31
LESS THAN 10% MINORITY 1364 1214 115 3518412 5.51 5.39
10-19% MINORITY 366 3661368 5.12 5.04
20-49% MINORITY 237 162 75964 5.80 5.62
50-79% MINORITY 419
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 349
MODERATE INCOME 94 84 101305 5.21 5.01
MIDDLE INCOME 549 5496446 5.31 5.20
UPPER INCOME 1324 1109 180 3513063 5.56 5.40
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 4: PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 6 - 6.99 7 - 7.99 8 - 8.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
9 - 9.99
$000'S
10 OR MORE
$000'S
MEAN 30/ MEDIAN 31/5 - 5.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1 16 3.24 3.24
ASIAN 7
BLACK OR AFRICAN AMERICAN 19 14 2 3103 3.83 3.57
NAT HAWAIIAN/OTHER PACIFIC ISL 1 11 3.35 3.35
WHITE 370 296 20 53 13120 23.67 3.32
2 OR MORE MINORITY RACES 1
JOINT (WHITE/MINORITY RACE) 1 126 4.92 4.92
RACE NOT AVAILABLE 6/ 64 55 7 1 1435 3.47 3.21
ETHNICITY 7/
HISPANIC OR LATINO 4 417 3.19 3.17
NOT HISPANIC OR LATINO 398 317 24 56 13248 23.68 3.32
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
25
ETHNICITY NOT AVAILABLE 6/ 54 46 6 1 1409 3.49 3.24
MINORITY STATUS 8/
WHITE NON-HISPANIC 363 289 20 53 13051 23.68 3.32
OTHERS, INCLUDING HISPANIC 25 19 3 3181 3.75 3.41
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 49 41 3 4 1231 13.61 3.32
50-79% OF MSA/MD MEDIAN 96 76 7 13626 3.68 3.39
80-99% OF MSA/MD MEDIAN 75 60 7 7 1520 3.62 3.32
100-119% OF MSA/MD MEDIAN 46 34 3 9403 3.79 3.30
120% OR MORE OF MSA/MD MEDIAN 127 103 7 171069 13.64 3.30
INCOME NOT AVAILABLE 6/ 63 53 3 7850 3.60 3.25
GENDER 19/
MALE 139 117 9 12 11082 13.60 3.33
FEMALE 94 73 4 16 1683 3.73 3.34
JOINT (MALE/FEMALE) 196 154 14 281756 13.67 3.30
GENDER NOT AVAILABLE 6/ 27 23 3 1178 3.47 3.26
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 393 317 27 48 13280 23.64 3.31
10-19% MINORITY 35 28 2 4 1274 3.74 3.43
20-49% MINORITY 18 15 3109 3.64 3.42
50-79% MINORITY 9 7 1 127 3.70 3.39
80-100% MINORITY 1 19 5.34 5.34
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 3 1 26 4.74 5.34
MODERATE INCOME 60 52 4 4341 3.54 3.37
MIDDLE INCOME 259 210 17 31 12114 13.65 3.32
UPPER INCOME 134 104 9 20 11238 13.69 3.30
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 5: PRICING INFORMATION FOR FHA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
# # # # # #
Page 1 of 2
7 - 7.99
#
8 OR MORE
#
MEAN MEDIAN3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 193 193812 3.24 3.24
ASIAN 1259
BLACK OR AFRICAN AMERICAN 1863 1306 318 23912941 3.81 3.57
NAT HAWAIIAN/OTHER PACIFIC ISL 31 31132 3.35 3.35
WHITE 49412 39187 2630 7491 104467486 1783.67 3.30
2 OR MORE MINORITY RACES 191
JOINT (WHITE/MINORITY RACE) 235 2354118 4.92 4.92
RACE NOT AVAILABLE 6/ 8778 7457 924 130 26764722 3.50 3.21
ETHNICITY 7/
HISPANIC OR LATINO 502 5022632 3.19 3.14
NOT HISPANIC OR LATINO 52901 41774 3293 7730 104483074 1783.67 3.30
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
4596
ETHNICITY NOT AVAILABLE 6/ 7109 5898 814 130 26761359 3.55 3.26
MINORITY STATUS 8/
WHITE NON-HISPANIC 48531 38306 2630 7491 104456910 1783.68 3.30
OTHERS, INCLUDING HISPANIC 2732 1940 553 23925879 3.77 3.37
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 4589 3871 177 274 26722829 763.63 3.28
50-79% OF MSA/MD MEDIAN 10106 8029 709 136870096 3.67 3.34
80-99% OF MSA/MD MEDIAN 9893 8006 903 880 10469591 3.59 3.26
100-119% OF MSA/MD MEDIAN 6515 4525 701 128961974 3.85 3.30
120% OR MORE OF MSA/MD MEDIAN 20782 16488 1028 3266196249 1023.67 3.30
INCOME NOT AVAILABLE 6/ 8627 7255 589 783130922 3.56 3.22
MIDDLE INCOME 32996 26360 2426 4106 104289246 1023.65 3.30
UPPER INCOME 21300 16595 1278 3160 267223891 763.69 3.28
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 5: PRICING INFORMATION FOR FHA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
7 - 7.99
$000'S
8 OR MORE
$000'S
MEAN 30/ MEDIAN 31/3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
$000'S
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1
ASIAN 2
BLACK OR AFRICAN AMERICAN 1 110 3.33 3.33
NAT HAWAIIAN/OTHER PACIFIC ISL 1
WHITE 3 1 2316 4.31 4.66
2 OR MORE MINORITY RACES 1
JOINT (WHITE/MINORITY RACE) 3
RACE NOT AVAILABLE 6/ 49
ETHNICITY 7/
HISPANIC OR LATINO 2
NOT HISPANIC OR LATINO 4 2 2329 4.07 4.09
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
4
ETHNICITY NOT AVAILABLE 6/ 48
MINORITY STATUS 8/
WHITE NON-HISPANIC 3 1 2308 4.31 4.66
OTHERS, INCLUDING HISPANIC 1 123 3.33 3.33
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 13
50-79% OF MSA/MD MEDIAN 17
80-99% OF MSA/MD MEDIAN 23
100-119% OF MSA/MD MEDIAN 1 117 4.66 4.66
120% OR MORE OF MSA/MD MEDIAN 1 161 3.52 3.52
INCOME NOT AVAILABLE 6/ 2 1 1252 4.04 4.04
GENDER 19/
MALE 1 1138 3.33 3.33
FEMALE 22
JOINT (MALE/FEMALE) 3 1 2194 4.31 4.66
GENDER NOT AVAILABLE 6/ 29
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 3 1 2341 4.31 4.66
10-19% MINORITY 33
20-49% MINORITY 1 19 3.33 3.33
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 2 1 128 4.00 4.00
MIDDLE INCOME 1 1221 4.75 4.75
UPPER INCOME 1 1134 3.52 3.52
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 6: PRICING INFORMATION FOR VA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
# # # # # #
Page 1 of 2
7 - 7.99
#
8 OR MORE
#
MEAN MEDIAN3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 96
ASIAN 318
BLACK OR AFRICAN AMERICAN 77 771081 3.33 3.33
NAT HAWAIIAN/OTHER PACIFIC ISL 125
WHITE 867 414 45353508 4.15 4.66
2 OR MORE MINORITY RACES 94
JOINT (WHITE/MINORITY RACE) 426
RACE NOT AVAILABLE 6/ 8210
ETHNICITY 7/
HISPANIC OR LATINO 427
NOT HISPANIC OR LATINO 944 491 45355026 4.08 3.52
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
606
ETHNICITY NOT AVAILABLE 6/ 7799
MINORITY STATUS 8/
WHITE NON-HISPANIC 867 414 45352254 4.15 4.66
OTHERS, INCLUDING HISPANIC 77 773052 3.33 3.33
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 2258
50-79% OF MSA/MD MEDIAN 1821
80-99% OF MSA/MD MEDIAN 3288
100-119% OF MSA/MD MEDIAN 121 1213234 4.66 4.66
120% OR MORE OF MSA/MD MEDIAN 414 41412598 3.52 3.52
INCOME NOT AVAILABLE 6/ 409 77 33240659 4.48 4.75
GENDER 19/
MALE 77 7720745 3.33 3.33
FEMALE 3423
JOINT (MALE/FEMALE) 867 414 45334767 4.15 4.66
GENDER NOT AVAILABLE 6/ 4923
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 867 414 45358547 4.15 4.66
10-19% MINORITY 4352
20-49% MINORITY 77 77959 3.33 3.33
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 198 77 1213496 4.14 4.66
MIDDLE INCOME 332 33233119 4.75 4.75
UPPER INCOME 414 41427243 3.52 3.52
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 6: PRICING INFORMATION FOR VA REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
7 - 7.99
$000'S
8 OR MORE
$000'S
MEAN 30/ MEDIAN 31/3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
$000'S
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 4 2 224 4.15 4.01
ASIAN 8 6 1374 1 3.97 3.56
BLACK OR AFRICAN AMERICAN 33 15 2 7163 6 3 5.10 4.17
AGGREGATE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
# # # # # #
Page 1 of 2
7 - 7.99
#
8 OR MORE
#
MEAN MEDIAN3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 463 107 3563334 4.46 4.27
ASIAN 1159 921 12082830 118 3.91 3.62
BLACK OR AFRICAN AMERICAN 2091 1266 73 28822624 300 164 4.59 3.34
NAT HAWAIIAN/OTHER PACIFIC ISL 3486
WHITE 117122 57254 42967 8774 25333262647 3377 2217 2374.21 4.04
AGGREGATE TABLE 11 - 7: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
7 - 7.99
$000'S
8 OR MORE
$000'S
MEAN 30/ MEDIAN 31/3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
$000'S
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 4
ASIAN 5
BLACK OR AFRICAN AMERICAN 3 210 1 16.89 5.74
NAT HAWAIIAN/OTHER PACIFIC ISL
WHITE 110 80 19 5 21417 2 2 15.81 5.35
2 OR MORE MINORITY RACES 1
JOINT (WHITE/MINORITY RACE) 5
RACE NOT AVAILABLE 6/ 11 7 3146 1 5.92 5.35
ETHNICITY 7/
HISPANIC OR LATINO 1 15 5.33 5.33
NOT HISPANIC OR LATINO 111 80 19 5 21412 3 2 25.85 5.36
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
LESS THAN 10% MINORITY 109 78 21 5 21455 3 5.76 5.34
10-19% MINORITY 8 689 2 16.77 5.74
20-49% MINORITY 6 5 136 5.59 5.33
50-79% MINORITY 3
80-100% MINORITY 15 1 19.68 9.68
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 1 14 5.97 5.97
MODERATE INCOME 11 9 1151 1 5.94 5.39
MIDDLE INCOME 76 52 14 5 2852 3 15.88 5.36
UPPER INCOME 36 27 7581 1 1 15.75 5.30
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 8: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 6 - 6.99 7 - 7.99 8 - 8.99
# # # # # #
Page 1 of 2
9 - 9.99
#
10 OR MORE
#
MEAN MEDIAN5 - 5.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 143
ASIAN 349
BLACK OR AFRICAN AMERICAN 108 63484 45 457.31 5.74
NAT HAWAIIAN/OTHER PACIFIC ISL
WHITE 3601 2746 421 184 2971959 163 58 375.80 5.27
2 OR MORE MINORITY RACES 20
JOINT (WHITE/MINORITY RACE) 326
RACE NOT AVAILABLE 6/ 494 267 1658955 62 6.14 5.35
ETHNICITY 7/
HISPANIC OR LATINO 15 15417 5.33 5.33
NOT HISPANIC OR LATINO 3666 2766 421 184 2971967 208 58 825.85 5.27
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
477
ETHNICITY NOT AVAILABLE 6/ 522 295 1659375 62 6.08 5.35
LESS THAN 10% MINORITY 3607 2589 580 184 2976717 225 5.84 5.33
10-19% MINORITY 348 2903525 58 376.15 5.06
20-49% MINORITY 203 197 61841 5.26 5.26
50-79% MINORITY 49
80-100% MINORITY 45104 45 459.68 9.68
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 23 23109 5.97 5.97
MODERATE INCOME 344 317 66838 21 5.53 5.08
MIDDLE INCOME 2346 1686 263 184 2939425 184 455.95 5.35
UPPER INCOME 1490 1050 31735864 86 37 375.84 5.13
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 8: PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 6 - 6.99 7 - 7.99 8 - 8.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
9 - 9.99
$000'S
10 OR MORE
$000'S
MEAN 30/ MEDIAN 31/5 - 5.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
$000'S
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 4 1 2 12 4.62 4.44
ASIAN 1 19 3.55 3.55
BLACK OR AFRICAN AMERICAN 15 12 126 2 4.21 3.74
NAT HAWAIIAN/OTHER PACIFIC ISL 1 11 4.17 4.17
WHITE 517 290 136 47 181452 9 17 124.28 3.89
2 OR MORE MINORITY RACES 1
JOINT (WHITE/MINORITY RACE) 4 3 15 4.07 3.83
RACE NOT AVAILABLE 6/ 31 17 7 3 3112 1 4.28 3.92
ETHNICITY 7/
HISPANIC OR LATINO 3 36 3.55 3.45
NOT HISPANIC OR LATINO 537 305 138 47 191461 9 19 124.27 3.88
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
3 1 27 4.27 4.21
ETHNICITY NOT AVAILABLE 6/ 30 15 7 4 3134 1 4.41 4.02
LESS THAN 10% MINORITY 510 291 128 48 191397 7 17 114.27 3.87
10-19% MINORITY 38 17 15 2 2130 2 4.35 4.14
20-49% MINORITY 19 10 4 1 154 3 14.64 3.95
50-79% MINORITY 1 118 3.85 3.85
80-100% MINORITY 5 59 3.63 3.74
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 3 39 13.49 3.55
MODERATE INCOME 142 76 44 11 6194 2 3 34.25 3.94
MIDDLE INCOME 338 194 80 31 13884 5 15 84.34 3.88
UPPER INCOME 90 51 23 9 3521 2 2 4.13 3.74
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
# # # # # #
Page 1 of 2
7 - 7.99
#
8 OR MORE
#
MEAN MEDIAN3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 174 50 105 19139 4.20 4.04
ASIAN 60 601056 3.55 3.55
BLACK OR AFRICAN AMERICAN 474 315 641301 95 4.55 3.74
NAT HAWAIIAN/OTHER PACIFIC ISL 28 28213 4.17 4.17
WHITE 19639 11860 4415 1712 417123244 454 781 3684.22 3.85
AGGREGATE TABLE 11 - 9: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, FIRST LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
7 - 7.99
$000'S
8 OR MORE
$000'S
MEAN 30/ MEDIAN 31/3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
$000'S
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 1
ASIAN 2 17 1 7.38 7.38
BLACK OR AFRICAN AMERICAN 6 3 341 6.43 6.47
NAT HAWAIIAN/OTHER PACIFIC ISL 1 11 7.67 7.67
WHITE 168 93 38 27 51428 2 3 6.19 5.90
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 1 110 6.28 6.28
RACE NOT AVAILABLE 6/ 14 5 4 4119 1 6.54 6.62
ETHNICITY 7/
HISPANIC OR LATINO 2 1 19 6.36 6.36
NOT HISPANIC OR LATINO 173 95 37 30 51459 3 3 6.22 5.88
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
1 19 6.67 6.67
ETHNICITY NOT AVAILABLE 6/ 16 6 5 4130 1 6.52 6.62
LESS THAN 10% MINORITY 167 91 37 29 51416 3 2 6.21 5.87
10-19% MINORITY 15 8 2 3111 1 1 6.47 5.98
20-49% MINORITY 6 2 3 160 6.37 6.15
50-79% MINORITY 3 1 212 6.78 7.10
80-100% MINORITY 1 18 5.74 5.74
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME 2 1 15 6.56 6.56
MODERATE INCOME 27 14 5 5 2183 1 6.33 5.93
MIDDLE INCOME 107 56 24 20 3894 3 1 6.27 5.98
UPPER INCOME 56 32 13 9525 1 1 6.14 5.70
Report Date: 05/24/2010
AGGREGATE TABLE 11 - 10: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 6 - 6.99 7 - 7.99 8 - 8.99
# # # # # #
Page 1 of 2
9 - 9.99
#
10 OR MORE
#
MEAN MEDIAN5 - 5.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE 18
ASIAN 45 40493 5 5.89 5.47
BLACK OR AFRICAN AMERICAN 135 86 49859 6.11 5.83
NAT HAWAIIAN/OTHER PACIFIC ISL 9 989 7.67 7.67
WHITE 3233 1966 708 384 4645796 24 105 6.10 5.57
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE) 25 25405 6.28 6.28
RACE NOT AVAILABLE 6/ 291 117 114 553808 5 6.30 6.61
ETHNICITY 7/
HISPANIC OR LATINO 26 17 9246 5.96 5.05
NOT HISPANIC OR LATINO 3402 2085 704 433 4646738 29 105 6.10 5.57
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
19 19329 6.67 6.67
ETHNICITY NOT AVAILABLE 6/ 291 107 124 554155 5 6.38 6.62
AGGREGATE TABLE 11 - 10: PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS, JUNIOR LIEN, 1–TO 4-FAMILY OWNER-OCCUPIED DWELLING (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR) MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 6 - 6.99 7 - 7.99 8 - 8.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
9 - 9.99
$000'S
10 OR MORE
$000'S
MEAN 30/ MEDIAN 31/5 - 5.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/ HOEPALOANS 17/
AGGREGATE TABLE 12-1: DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER-OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009
LESS THAN 50% OF MSA/MD MEDIAN 25 4 6 4 611 1 3 5.82 5.411
50-79% OF MSA/MD MEDIAN 24 3 7 4 615 2 1 5.79 5.291
80-99% OF MSA/MD MEDIAN 17 1 6 4 18 3 6.49 5.092
100-119% OF MSA/MD MEDIAN 34 1 1 9.05 8.341
120% OR MORE OF MSA/MD MEDIAN 12 5 3 310 1 4.88 4.35
INCOME NOT AVAILABLE 6/ 1
GENDER 19/
MALE 23 5 4 4 520 3 1 5.76 5.411
FEMALE 25 2 8 2 57 2 4 6.56 6.272
JOINT (MALE/FEMALE) 30 6 9 5 621 2 5.50 4.982
GENDER NOT AVAILABLE 6/ 3 1 11 1 6.36 5.36
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 79 12 22 11 1649 7 6 5.97 5.175
10-19% MINORITY 2 1 1 4.45 4.45
20-49% MINORITY
50-79% MINORITY
80-100% MINORITY
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME
MODERATE INCOME 19 3 6 1 59 1 2 5.89 5.411
MIDDLE INCOME 57 9 16 11 1040 3 4 5.88 5.094
UPPER INCOME 5 1 1 3 6.75 7.53
Report Date: 05/24/2010
AGGREGATE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
# # # # # #
Page 1 of 2
7 - 7.99
#
8 - 9.99
#
MEAN MEDIAN3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
10 OR MORE
#
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN INDIAN/ALASKA NATIVE
ASIAN
BLACK OR AFRICAN AMERICAN
NAT HAWAIIAN/OTHER PACIFIC ISL
WHITE 3479 658 1206 590 6003709 169 191 5.31 4.8365
2 OR MORE MINORITY RACES
JOINT (WHITE/MINORITY RACE)
RACE NOT AVAILABLE 6/ 50 25 20309 5 5.26 4.87
ETHNICITY 7/
HISPANIC OR LATINO 1962 10.76 10.7619
NOT HISPANIC OR LATINO 3460 658 1206 590 6003546 169 191 5.28 4.8346
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
ETHNICITY NOT AVAILABLE 6/ 50 25 20410 5 5.26 4.87
AGGREGATE TABLE 12 - 2: PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS, FIRST LIEN, OWNER OCCUPIED DWELLING, BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009)
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
15/NO REPORTEDPRICING DATA
REPORTEDPRICING DATA 4 - 4.99 5 - 5.99 6 - 6.99
$000'S $000'S $000'S $000'S $000'S $000'S
Page 2 of 2
7 - 7.99
$000'S
8 - 9.99
$000'S
MEAN 30/ MEDIAN 31/3 - 3.99
PERCENTAGE POINTS ABOVE TREASURY: ONLY INCL. LOANS WITH APR ABOVE THE THRESHOLD 16/
10 OR MORE
$000'S
TOTAL APPLICATIONS 28/
CONVENTIONAL 848 45804 3653 4485 409613694 2629
FHA 13245 175 1889663 67
VA 742 2809
FSA/RHS 8618
LOANS ORIGINATED
CONVENTIONAL 662 27700 2023 2643 215210571 1083
FHA 4806 65 657718 24
VA 434 1642
FSA/RHS 5463
APPLICATIONS APPROVED BUT NOT ACCEPTED
CONVENTIONAL 36 2586 231 190 167739 142
FHA 723 18 17308 13
VA 4831
FSA/RHS 17
APPLICATIONS DENIED
CONVENTIONAL 82 9234 1073 1238 13651195 1326
FHA 4040 66 88797 21
VA 113 166
FSA/RHS 2108
APPLICATIONS WITHDRAWN
CONVENTIONAL 54 5009 269 340 3351022 75
FHA 3195 24 18695 9
VA 10961
FSA/RHS 19
FILES CLOSED FOR INCOMPLETENESS
CONVENTIONAL 14 1275 57 74 77167 3
FHA 481 2145
VA 389
FSA/RHS 21
MEMO ITEM: SUBSET OF LOANS ORIGINATED
PREAPPROVALS RESULTING IN ORIGINATIONS
CONVENTIONAL 8 NA NA NA NA615 NA
FHA NA NA NA NA458 NA
VA NA NA NA NA64 NA
FSA/RHS NA NA NA NA9 NA
LOANS SOLD
CONVENTIONAL 92 19172 15 385 157524 3
FHA 4471 527290
VA 389 1613
FSA/RHS 5445
Report Date: 05/24/2010
SUMMARY TABLE A1: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, 1- TO 4-FAMILIES (EXCLUDES MANUFACTURED HOMES), 2009
MSA/MD: 38300 - PITTSBURGH, PA
LOAN TYPE
Page 1 of 1
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
TOTAL APPLICATIONS 28/
CONVENTIONAL 6 359 33 73 41450 54
FHA 93 265 17
VA 26
FSA/RHS
LOANS ORIGINATED
CONVENTIONAL 4 146 20 26 13153 20
FHA 31 131 7
VA 4
FSA/RHS
APPLICATIONS APPROVED BUT NOT ACCEPTED
CONVENTIONAL 26 1 1 350 2
FHA 57
VA 11
FSA/RHS
APPLICATIONS DENIED
CONVENTIONAL 131 11 42 21207 32
FHA 4315 9
VA 1
FSA/RHS
APPLICATIONS WITHDRAWN
CONVENTIONAL 2 43 1 2 429
FHA 12 110 1
VA 1
FSA/RHS
FILES CLOSED FOR INCOMPLETENESS
CONVENTIONAL 13 211
FHA 22
VA
FSA/RHS
MEMO ITEM: SUBSET OF LOANS ORIGINATED
PREAPPROVALS RESULTING IN ORIGINATIONS
CONVENTIONAL NA NA NA NA2 NA
FHA NA NA NA NA2 NA
VA NA NA NA NA NA
FSA/RHS NA NA NA NA NA
LOANS SOLD
CONVENTIONAL 3816
FHA 26 128
VA 4
FSA/RHS
Report Date: 05/24/2010
SUMMARY TABLE A2: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MANUFACTURED HOME, 2009
MSA/MD: 38300 - PITTSBURGH, PA
LOAN TYPE
Page 1 of 1
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
TOTAL APPLICATIONS 28/
CONVENTIONAL 1 92 5 28 775 7
FHA 3
VA
FSA/RHS
LOANS ORIGINATED
CONVENTIONAL 1 63 4 20 549 1
FHA 3
VA
FSA/RHS
APPLICATIONS APPROVED BUT NOT ACCEPTED
CONVENTIONAL 7 12
FHA
VA
FSA/RHS
APPLICATIONS DENIED
CONVENTIONAL 14 1 7 219 6
FHA
VA
FSA/RHS
APPLICATIONS WITHDRAWN
CONVENTIONAL 63
FHA
VA
FSA/RHS
FILES CLOSED FOR INCOMPLETENESS
CONVENTIONAL 22
FHA
VA
FSA/RHS
MEMO ITEM: SUBSET OF LOANS ORIGINATED
LOANS SOLD
CONVENTIONAL 1 12
FHA 3
VA
FSA/RHS
Report Date: 05/24/2010
SUMMARY TABLE A3: DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE, MULTIFAMILY, 2009
MSA/MD: 38300 - PITTSBURGH, PA
LOAN TYPE
Page 1 of 1
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
BORROWER CHARACTERISTICS
RACE 5/
AMERICAN IND/ALASKA NATIVE NA NA NA NA
ASIAN 17 3388 NA NA NA NA
BLACK OR AFRICAN AMERICAN 11 938 NA NA NA NA
NAT HAWAIIAN/OTHER PACIFIC ISL NA NA NA NA
WHITE 541 80048 NA NA NA NA
2 OR MORE MINORITY RACES NA NA NA NA
JOINT (WHITE/MINORITY RACE) 6 1752 NA NA NA NA
RACE NOT AVAILABLE 6/ 40 6114 NA NA NA NA
ETHNICITY 7/
HISPANIC OR LATINO 7 1213 NA NA NA NA
NOT HISPANIC OR LATINO 568 84489 NA NA NA NA
JOINT (HISPANIC OR LATINO/ NOT HISPANIC OR LATINO)
1 152 NA NA NA NA
ETHNICITY NOT AVAILABLE 6/ 39 6386 NA NA NA NA
MINORITY STATUS 8/
WHITE NON-HISPANIC 530 77822 NA NA NA NA
OTHERS, INCLUDING HISPANIC 42 7443 NA NA NA NA
INCOME 9/
LESS THAN 50% OF MSA/MD MEDIAN 39 3236 NA NA NA NA
50-79% OF MSA/MD MEDIAN 131 12584 NA NA NA NA
80-99% OF MSA/MD MEDIAN 87 9470 NA NA NA NA
100-119% OF MSA/MD MEDIAN 76 10747 NA NA NA NA
120% OR MORE OF MSA/MD MEDIAN 272 54196 NA NA NA NA
INCOME NOT AVAILABLE 6/ 10 2007 NA NA NA NA
GENDER 19/
MALE 177 23161 NA NA NA NA
FEMALE 114 12762 NA NA NA NA
JOINT (MALE/FEMALE) 299 52950 NA NA NA NA
GENDER NOT AVAILABLE 6/ 25 3367 NA NA NA NA
CENSUS TRACT CHARACTERISTICS 10/
RACIAL/ETHNIC COMPOSITION 11/
LESS THAN 10% MINORITY 549 83939 NA NA NA NA
10-19% MINORITY 45 5715 NA NA NA NA
20-49% MINORITY 18 2284 NA NA NA NA
50-79% MINORITY 1 84 NA NA NA NA
80-100% MINORITY 2 218 NA NA NA NA
INCOME CHARACTERISTICS 12/ 13/
LOW INCOME NA NA NA NA
MODERATE INCOME 50 4734 NA NA NA NA
MIDDLE INCOME 298 37862 NA NA NA NA
UPPER INCOME 267 49644 NA NA NA NA
Report Date: 05/24/2010
SUMMARY TABLE A4: DISPOSITION OF PREAPPROVALS FOR CONVENTIONAL HOME-PURCHASE LOANS, FIRST LIEN, 1- TO 4-FAMILY DWELLINGS (EXCLUDES MANUFACTURED HOMES), BY BORROWER OR CENSUS TRACT CHARACTERISTICS, 2009
MSA/MD: 38300 - PITTSBURGH, PA
BORROWER OR CENSUS TRACTCHARACTERISTICS
# $000'S # $000'S # $000'S
Page 1 of 1
PREAPPROVALS RESULTING INORIGINATIONS
PREAPPROVALS APPROVED BUTNOT ACCEPTED 29/
PREAPPROVALSDENIED
1- TO 4-FAMILY OWNER OCCUPIED DWELLINGS (EXCLUDES MANUFACTURED HOMES)
INCIDENCE OF PRICING
NO PRICING REPORTED 15/ 460 22331 1588 1608 16077915 NA
PRICING REPORTED 66 1419 124 573 192467 NA
MEAN (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/)
5.47 4.17 5.85 4.28 6.254.19 NA
MEDIAN (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/)
5.33 3.83 5.36 3.88 5.963.99 NA
HOEPA STATUS
HOEPA LOAN 17/ NA 4 2 12NA NA
NOT HOEPA LOAN NA 26836 1994 2479 2108NA NA
MANUFACTURED HOME OWNER OCCUPIED DWELLINGS
INCIDENCE OF PRICING
NO PRICING REPORTED 15/ 2 80 15 6 949 NA
PRICING REPORTED 1 39 13 381 NA
MEAN (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/)
5.14 4.65 5.43 8.815.93 NA
MEDIAN (POINTS ABOVE TREASURY: ONLY INCLUDE LOANS WITH APR ABOVE THE THRESHOLD 16/)
5.14 3.97 5.00 6.035.17 NA
HOEPA STATUS
HOEPA LOAN 17/ NA 2 1NA NA
NOT HOEPA LOAN NA 142 20 23 12NA NA
Report Date: 05/24/2010
SUMMARY TABLE B: LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL, 2009 (EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION THAT THE HOEPA STATUS SECTION REFLECTS ACTIVITY FOR THE FULL YEAR)
MSA/MD: 38300 - PITTSBURGH, PA
PRICING INFORMATION
Page 1 of 1
FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN
HOME PURCHASE REFINANCE HOME IMPROVEMENT
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 74
D. Appendix D – HUD-CHAS Data
Attached are the HUD-CHAS Data tables for the City of McKeesport.
SOCDS CHAS Data: Housing Problems Output for All Households
Name of Jurisdiction: Source of Data: Data Current as of:
McKeesport city, Pennsylvania CHAS Data Book 2000
Renters Owners
Household by Type, Income, & Housing Problem
Elderly Small
Related Large
Related All Total Elderly Small
Related Large
Related All Total Total
(1 & 2 members)
(2 to 4 members)
(5 or more
members) Other Renters (1 & 2
members) (2 to 4
members) (5 or more members) Other Owners Households
% built before 1970 73.1 87.5 96.1 87.9 79.2 87 74.2 78.9
% some problem 57.7 55.6 60.8 57.7 0 6.7 10.4 8.7
# vacant for rent 15 0 0 15 # vacant for sale 0 4 15 19
4. Rent >80% Value >80%
# occupied units 39 14 20 73 4 20 86 110
# vacant for rent 4 0 0 4 # vacant for sale 0 0 0 0
City of McKeesport, Pennsylvania
Analysis of Impediments to Fair Housing Choice 2010 Update Page 75
E. Appendix E – Meeting Summaries
Attached are summaries of the following meetings:
Chief of Police
- August 16, 2010, 9:00 AM
Housing Providers
- August 16, 2010, 9:20 AM
City Staff (including the Fire Chief, the Building Inspector, CDBG staff)
- August 16, 2010, 11:00 AM
Social Service Agencies
- August 16, 2010, 1:30 PM
McKeesport Housing Authority
- August 16, 2010, 3:30 PM
Pittsburgh Commission on Human Relations
- November 16, 2010
Fair Housing Partnership of Greater Pittsburgh
- November 30, 2010, 3:00 PM
City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice
Meeting with Chief Holtzman, Chief of Police August 16, 2010 – 9 AM
What housing issues are you seeing on a citywide level?
Absentee landlords leave rentals in poor condition. There is an influx of transient residents using Section 8 vouchers.
o This transient population often has a higher crime rate than the general population.
o Difficult to keep track of tenants compared to visitors. Fire department and building inspector inspect the rental properties.
o Properties generally aren’t inspected between tenants. o The City does not have a rental registry.
Thefts and burglaries are generally the largest crime issues. When the police receive complaints about landlords, they refer the tenants to the
magistrate and educate them on the possibility of putting their rent into an escrow account. The process with the magistrate typically takes approximately 30 to 60 days.
City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice
Meeting with Housing Providers August 16, 2010 – 9:20 AM
Bethany Bauer, CDBG Administrator, provided an introduction to the group, provided some background information on the Analysis of Impediments to Fair Housing Choice, and introduced the consultants. Karl Haglund provided additional information on the Analysis of Impediments the overall process. Sarah Stutts posed the first discussion question to the group – What housing issues are you seeing on a citywide level? Below are the housing issues noted by the housing providers present at the meeting:
There is a need for more ranch-style housing to meet the needs of the growing elderly population.
o Often though these homes are more expensive to build because they have a larger footprint and therefore require more vacant lots for construction.
There is vacant land in the City that has been cleared by a developer. Would it be possible to re-energize him and continue this development project?
Property taxes are relatively expensive, particularly school taxes. Overall, the population in the City is aging. The School District is planning to build three new elementary school buildings. The YMCA is currently transitioning out of 87 SRO’s, to be taken over by ACTION-
Housing. o There are few SRO’s in the County o The needs are the same o There is a high number of single parents with children o Emergency Shelter provides housing for 60 days at most o Bridge housing provides shelter for up to 1 year; also offers services to help
residents find employment o Have 3 Section 8 units o Also have single units for rent o Also see domestic violence issues
McKeesport Housing Authority checks to see if tenants owe money to any other Housing Authorities. If they do, the Housing Authority will not rent to them.
Has your agency noticed any housing, social, or economic trends in the City?
There are very few jobs and many companies have left the City. o Single mothers used to be able to work and buy homes o McKeesport has the highest unemployment rate of the State and Region. o CareerLinks is no longer located in the City.
There is a need for additional manufacturing jobs. It is difficult to get a mortgage despite low interest rates and other incentives. Some businesses in the City are looking to expand, but funds to assist them are limited. Port Authority routes are problematic.
o Less routes through the neighborhoods o More Park & Rides
o Cuts threaten to greatly reduce or eliminate service to McKeesport o Many residents don’t have access to a car so they go to Labor Ready and work
for the day, if there is any work available. No taxi service in the City. The perception of foreclosure in the City is sometimes a greater issue than the actual
foreclosure rate. Realtors are requiring pre-approval before showing houses so they’re only showing
potential buyers homes that they can afford. McKeesport Neighborhood Initiative, Inc. offers a credit counseling program in the City
that could be grown so that people wouldn’t have to go into Pittsburgh to Advantage Consumer Credit.
A local church sponsors computer classes. Code Enforcement is sometimes the real issue, not absentee landlords. The People’s Building is sitting vacant – it was purchased by a company in NY but will
be very expensive to rehabilitate. Developers are having some difficulty getting bank loans to build new housing. Transfer taxes can be viewed as a barrier to housing development. Many elderly residents are selling or abandoning their homes to move into apartments. Realtors are required to take a course on Fair Housing once a year.
Summary of Impediments Identified by Housing Providers:
Differentiate absentee landlords from ineffective code enforcement. Determine the real need for additional elderly housing Improve housing options for single mothers Increase credit counseling programs Create jobs Maintain or improve access to public transportation Real estate taxes and fees are often perceived as being cost prohibitive to
developments and purchasing property.
City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice
Meeting with City Staff Members August 16, 2010 – 11:00 AM
The fire department is generally first to inspect a building when a complaint is received,
then calls the code enforcement officer. All sales are inspected by the fire department. Members of the fire department are certified to inspect properties to assist the full-time
building inspector. Many property owners own several buildings in town. There are buildings in the City that have no windows, water, or electricity. Absentee landlords are a big issue Section 8 properties are inspected by the Housing Authority to maintain in compliance
with the program. Any problems are communicated with the fire department and building inspector.
Tenant registration legislation was passed and is currently being challenged in court. The City is seeing more ramps and mechanical lifts being installed in homes. The City’s building code follows the Uniform Construction Code and was last updated in
1996. The County Health Department handles utility calls (such as those for broken furnaces). Overcrowding is becoming an issue. Building permits have increased recently. All new construction is required to include hard-wired smoke detectors. The City would benefit from more funding for demolition. The demolition list currently has
approximately 400 structures on it, generated from complaints. Fees for building permits:
o Single family housing - $3 for every $1,000 o Multifamily or commercial development - $10 for every $1,000
The economy is perceived to be a greater barrier to affordable housing than social issues.
The City is often reactive in their approach rather than proactive because of limited funding.
Sidewalk ramps have been modified.
City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice
Meeting with Social Service Agencies August 16, 2010 – 1:45 PM
There is a perceived shortage of low- and moderate-income housing in the City. Housing is being eliminated but not replaced with new housing. There is a perceived shortage of disabled housing. Upgrade the existing housing stock. Transportation is a big issue.
o Most jobs are located outside of the community. o The Port Authority plans to cut or drastically eliminate service to the Mon Valley
in January 2011 due to budget constraints. Need to bring more jobs into the community. Old homes have very high utility costs.
o McKeesport Resource Center and Bridge to Recovery assist with utility negotiations and help individuals apply for grants and other programs.
It is suspected that, overall, people are remaining in their overcrowded or sub-standard homes because they have limited options.
Housing discrimination isn’t perceived to be an issue. Instead, economic issues are perceived to be greater barriers to housing.
There is a lack of understanding of Fair Housing in the community. The City needs income diversity. Need more job training that would be in line with jobs expected to come into the
community. There is no access to Children’s Hospital from McKeesport. Overcrowding is becoming more common.
City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice Meeting with the McKeesport Housing Authority
August 16, 2010 – 3:00 PM
Run programs such as Head Start, an after school program, service supported housing, Section 8 Homeownership (along with the McKeesport Housing Corporation), and Nehemiah Ministries Counseling.
Waiting list priority has been reorganized to give top priority to the elderly, then those with jobs, then for women who fall under the women against violence act.
There is a lack of accessible Section 8 units. o It is difficult to make upgrades to old homes if the tenant becomes disabled. o There is a need for more Section 8 units in the private market.
There are proposed upgrades to many units, but the Housing Authority is still working to secure funding.
o The Housing Authority has an application into HUD for 3 fully accessible units and 3 visitable units.
There are barriers for the disabled. o Mon Yough used to provide services to help clients live on their own (paid for by
Health Care), but health care no longer covers these services to help people pay their bills and stay in compliance with their leases.
The Housing Authority often has difficulty finding tenants to fill their 3 and 4 bedroom apartments (they have one of each).
The Port Authority has made severe cuts and combined several routes. o Housing Authority residents are eligible for Work Net – a van system for
transportation to work/day care. o Seniors can use ACCESS.
Making upgrades to recreational facilities. Partnered with Community Life for rehabilitations.
o Expect future partnerships because this one was successful. Housing stock is becoming less dense. Generating waiting lists. No assisted living available for the low-income. Seeing less families, more related individuals (siblings and cousins) applying.
City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice
Meeting with the Pittsburgh Commission on Human Relations November 16, 2010
On November 16, 2010, Karl Haglund of Urban Design Ventures spoke with Charles Morrison of the Pittsburgh Commission on Human Relations. While Mr. Morrison does not directly work with the City of McKeesport to address its fair housing concerns or complaints, he was able to provide insight into regional fair housing trends. He emphasized that the most common causes for fair housing complaints in the Pittsburgh region include disability and race.
City of McKeesport, Pennsylvania Analysis of Impediments to Fair Housing Choice
Meeting with the Fair Housing Partnership of Pittsburgh November 30, 2010 – 3:00 PM
Those in attendance included Peter Harvey, Director; Tina Doose, Program Director, Housing Counseling; Jay Dworin, Program Director, Enforcement; Sarah Stutts, Consultant, Urban Design Ventures. Sarah Stutts began the meeting by providing an update on the status of the McKeesport Analysis of Impediments to Fair Housing Choice. Listed below are the key points that were addressed during this meeting:
The Three Rivers Center for Independent Living was recommended as a contact as they work as advocates for the disabled and assist persons with disabilities to locate services.
Consider the locations of HUD housing related to the areas of minority concentration in the City.
The most common cause for complaint that the Fair Housing Partnership receives in McKeesport is related to disability.
The City should look into its responsibility to consider sexual orientation a protected class based on Allegheny County’s passage of an ordinance in 2009 that identified sexual orientation as a protected class.
The Fair Housing Partnership of Pittsburgh offers counseling for rental assistance, pre-purchase, and mortgage delinquency. From January 2010 to date, 21 clients received one-on-one counseling (8 pre-purchase, 3 mobility). They also offer educational workshops (over 50 participants to date for 2010).
The Fair Housing Partnership is concerned about the concentration of minorities in the City, and the concentration of Section 8 Voucher use in these minority areas. Mobility counseling assists Section 8 Voucher recipients to move into different neighborhoods.
Requests for reasonable accommodation and reasonable modification can be made through the Fair Housing Partnership of Pittsburgh. Approximately 80% of these requests are related to disabilities. The Fair Housing Partnership would like to see a higher acceptance rate of these requests, and notes that many residents are unaware of their rights for accommodation.
The Fair Housing Partnership of Pittsburgh is able to provide Landlord Training. Any testing currently taking place in the City of McKeesport is complaint based. The City
can contract with the Fair Housing Partnership of Pittsburgh to conduct random testing. The Fair Housing Partnership of Pittsburgh completed a study on mortgage lending
discrimination and found that within the region, discriminatory lending practices based on race exist.
It was noted that there is no mention of Fair Housing on the websites of the City or the McKeesport Housing Authority.
The Fair Housing Partnership has some concerns about the grievance procedures of the Housing Authority, particularly as it relates to requests for reasonable accommodation.
The Fair Housing Partnership would like to see an in-depth look at why people who can afford to live in the predominately owner-occupied area of the City do not move there, particularly minority households.
On average, the Fair Housing Partnership of Pittsburgh counsels approximately 20-35 individuals through their one-on-one counseling programs. Current numbers for group attendance in McKeesport are lower than average.
The Fair Housing Partnership of Pittsburgh receives, on average, one legitimate fair housing complaint for the City of McKeesport every other month.
When complaints are received, the Fair Housing Partnership identifies the type of complaint and determines if they are valid. If possible, complaints are tested. If found to be legitimate, they are handled internally if possible or referred to HUD or the Pennsylvania Human Relations Commission.