Town of Arlington, Fair Housing Action Plan (July 2021)

Citation: Town of Arlington, Fair Housing Action Plan (July 2021)
Jurisdiction: Arlington (municipal)
Source: Official source
Original Source: https://www.arlingtonma.gov/home/showpublisheddocument/57214/637641171662530000 ↗

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70 For example, the denial rate of 33% for Black applicants means that one person of three was denied for a loan. This could be an

anomaly, or it could be the beginning of a pattern. Likewise, while the 100% approval rate for Latino and Pacific Islander applicants in
the lower-income category doesn’t suggest a problem, one denied applicant in either category would cause the denial rates to exceed
or equal the denial rates for Asian applicants or White applicants. Of course, the small sample size is an issue in and of itself, as
discussed above.

122
Arlington Fair Housing Action Plan

Table 21: Denial Rate in Arlington by Income and Race/Ethnicity (HMDA, 2013-2017)

American
Indian Or Pacific
Asian Black Latino White
Alaska Islander
Native
LOWEST-INCOME ($0 - $24,999)
LOWER-INCOME ($25,000 - $74,999) 7% 33% 0% 0% 15%
MODERATE-INCOME ($75,000 -
$124,999) 25% 3% 0% 8% 7%
HIGH-INCOME ($125,000 +) 0% 5% 0% 9% 0% 3%

Table 22: Denial Rate in Comparison Region by Income and Race/Ethnicity

American
Indian Or Pacific
Asian Black Latino White
Alaska Islander
Native
LOWEST-INCOME ($0 - $24,999) 54% 55% 71% 100% 52%
LOWER-INCOME ($25,000 - $74,999) 22% 14% 29% 19% 8% 11%
MODERATE-INCOME ($75,000 -
$124,999) 21% 9% 20% 13% 23% 7%
HIGH-INCOME ($125,000 +) 6% 7% 12% 8% 8% 5%