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HomeMy WebLinkAbout01. 19-291 MAY 28, 2019 19-291 RESOLUTION (CARRIED 6-1P LOST LAID OVER WITHDRAWN ) PURPOSE: APPROVE SUBMITTAL OF 2019 COMMUNITY DEVELOPMENT BLOCK GRANT ACTION PLAN INITIATED BY: COMMUNITY DEVELOPMENT DEPARTMENT WHEREAS, the primary objective of Title I of the Housing and Community Development Act of 1974, as amended, is the development of viable urban communities, by providing decent housing and a suitable living environment and expanding economic opportunities, principally for persons of low- and moderate- income; and WHEREAS, the 2019 Annual Action Plan to implement the Consolidated Plan has been developed to ensure that the activities to be carried out meet one of the national objectives of benefit to low- and moderate-income families; or aid in the prevention or elimination of slums or blight; or meet other community development needs having a particular urgency because existing conditions pose a serious and immediate threat to the health and welfare of the community; and WHEREAS, the City developed the 2019 Action Plan and presented the Plan at a neighborhood public hearing on May 16, 2019, Plan Commission on May 21, 2019 and Redevelopment Authority on May 15, 2019. NOW, THEREFORE, BE IT RESOLVED by the Common Council of the City of Oshkosh that the 2019 Action Plan is hereby approved contingent upon final approval by the U.S. Department of Housing and Urban Development of the projected funds and proposed projects, including any proposed acquisition projects. BE IT FURTHER RESOLVED that the proper City officials are hereby authorized and directed to file and execute the necessary documents and assurances required by the U.S. Department of Housing and Urban Development and any and all additional information required. MAY 28, 2019 19-291 RESOLUTION CONT'D BE IT FURTHER RESOLVED that the City hereby accepts said funds from the U.S. Department of Housing and Urban Development and the proper officials are hereby authorized to carry out all actions necessary to implement the City's obligations under the terms of the grant agreement. r tA City cif Oshkosh TO: Honorable Mayor and Members of the Common Council FROM: Allen Davis Community Development Director DATE: May 23, 2019 RE: Approve Submittal of 2019 Community Development Block Grant Action Plan BACKGROUND/ANALYSIS The City of Oshkosh is a US Department of Housing and Urban Development (HUD) designated 'entitlement community' and receives Community Development Block Grant (CDBG) funds annually. Entitlement communities are cities with a population greater than 50,000 and receive CDBG funding each year based on Congressional appropriations. The 2019 allocation is $835,154 (see attached proposed budget). The 2019 Program Year begins May 1, 2019 and will end April 30, 2020. Each year the City prepares a CDBG Action Plan that indicates to HUD how federal funds will be spent. HUD regulations require that at least 70% of CDBG funds benefit low to moderate income (LMI) eligible persons. Examples include housing rehabilitation loans for owner occupied homes, public service organizations serving LMI persons, home ownership for income eligible families, and slum and blight removal in low to moderate income areas. It should be noted that CDBG funds are not used to assist neighborhoods in the creation of neighborhood associations. These types of activities are part of the City's agreement with GO-HNI and are supported through the Healthy Neighborhood Initiatives Fund. The City does, however, support neighborhoods through the acquisition, demolition and/or rehabilitation of slum and blight properties with CDBG funds. City staff also collaborates with its housing partners in the construction of new single family homes for income qualified homebuyers, such as the ADVOCAP Youth Build house at 654 Frederick Street (Middle Village Neighborhood) and the twindominium project on Grove Street with Habitat for Humanity (Menominee South Neighborhood). Public Service applications are currently being accepted and will be evaluated by a 6 member committee consisting of representatives from Oshkosh Area United Way, Oshkosh Area Community Foundation, and the City of Oshkosh. Deputy Mayor Herman is a member of this Committee. Funding for public service programs and activities can represent no more than 15% of the allocation. Staff is recommending that the City allocate $117,000 for general public service organizations serving low to moderate income persons. Owner occupied housing improvement applications (non-public service) were accepted by the Community Development Department thru March 15. Applications for downpayment assistance to income qualified homebuyers or emergency repairs for health and safety issues are accepted throughout the year. Property owners within approved neighborhood associations who are over HUD income guidelines, can apply for rehab assistance through the City's Neighborhood Initiative Program. Non-public service allocations are included in the minimum requirement that 70% of CDBG funds benefit LMI persons. Staff is recommending that the City allocate $335,154 for the Housing Improvement Program for owner occupied units, downpayment assistance and emergency repairs. Remaining funding is recommended to be allocated to Central City Redevelopment for removal of slum and blight and funds to assist a non-profit with lead reduction activities for development of a children's day care facility ($300,000); the Fair Housing Center of Northeast Wisconsin to provide fair housing counseling, outreach, education and technical assistance services and Administration/Community Planning ($83,000) to offset staff costs associated with oversight, management and training opportunities of the CDBG program and consultants to assist in preparation of various plans (i.e. Analysis of Impediments to Fair Housing and Phase I/II environmental assessments). FISCAL IMPACT The program allocates the City's entire 2019 CDBG program allocation of$835,154. While the CDBG program does not require leveraging, the program does leverage other resources. The City budgets funds in the Capital Improvements Program and through the Healthy Neighborhood Initiatives program, for additional programs for housing related activities, public facilities improvements, landscaping, curb appeal projects and acquisition of properties to eliminate slum and blight. All these programs/activities leverage additional tax dollars being brought into the City. RECOMMENDATION Council approves submittal of the 2019 Community Development Block Grant Action Plan to the US Department of Housing and Urban Development. The Plan Commission made a determination of consistency at its May 21, 2019 meeting that the proposed programs and activities in the 2019 Annual Action Plan are consistent with the City's 2005-2025 Comprehensive Plan, Comprehensive Plan Update 2040, official maps, or other planned activities of the City. Respectfully submitted, Approved, TtVic Allen Davis Mark Rohloff Community Development Director City Manager ITEM: REVIEW 2019 ANNUAL ACTION PLAN COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM Plan Commission meeting of May 21, 2019. BACKGROUND Staff requests review and acceptance of the 2019 Annual Action Plan for the Community Development Block Grant Program. The purpose of this review is for the Plan Commission to make a determination of consistency that the proposed programs and activities in the 2019 Annual Action Plan are consistent with the City's 2005-2025 Comprehensive Plan, Comprehensive Plan Update 2040, official maps, or other planned activities of the City. ANALYSIS Staff is requesting the Plan Commission to review and accept proposed projects and programs designed to meet one of the national objectives(listed below) of the CDBG program, and request Council to authorize the submittal of the 2019 CDBG Action Plan. - Benefit to low- and moderate-income(LMI)persons - Aid in the prevention or elimination of slums or blight, and - Meet a need having a particular urgency(i.e. flooding, tornado, etc.) Annually, the City prepares and submits to the US Department of Housing and Urban Development(HUD), an Action Plan to demonstrate how estimated federal CDBG funds will be spent. The 2019 Program Year begins May 1, 2019 and will end April 30,2020. The 2019 allocation is$835,154. As proposed, the 2019 allocation and carry over funds from the 2018 program year, over 70%of CDBG funds will benefit low to moderate income (LMI)persons during the program year. Public Service applications (via the Consortium) are currently being accepted by the City and will be reviewed by a committee consisting of representatives from Oshkosh Area United Way, Oshkosh Area Community Foundation, and the City of Oshkosh. Staff is recommending that "I the City allocate$117,000 for public service activities/programs. Public Service allocations can represent no more than 15% of the total funds spent(current year and previous year unspent) during the program year. Owner occupied housing improvement applications were due to the City by March 15. These applications do not include homebuyer assistance, emergency repairs or rehabilitation of rental properties.Housing rehab projects are included in the 70%rule of CDBG funds for LMI persons. Staff is recommending that the City allocate$335,154 for the Housing Improvement Program. Remaining funding is recommended to be distributed as follows: -Central City Redevelopment($300,000) for acquisition of properties for the removal of slum and blight and funds to assist a non-profit with lead reduction activities for development of a children's day care facility. -Administration&Fair Housing ($83,000) Final Step Prior to Council consideration,the Action Plan is reviewed by the Plan Commission for consistency with the City's 2005-2025 Comprehensive Plan, Comprehensive Plan Update 2040, official maps, and other planned activities of the City. In this regard, staff has reviewed all proposed projects and activities and none have been identified as being contrary to the Comprehensive Plan, as updated, official maps, or other planned activities of the City. RECOMMENDATIONS/CONDITIONS Staff recommends acceptance of the 2019 Annual Action Plan for the Community Development Block Grant Program, together with a finding that listed projects are not in conflict with the City of Oshkosh Comprehensive Plan, as amended, official maps or other planned activities Housing/neighborhood projects $335,154 Central City $300,000 Public Service $ 117,000 Administration&Fair Housing 83,000 2019 CDBG Allocation $835,154 The Plan Commission approved the 2019 Annual Action Plan for the Community Development Block Grant Program with a finding. The following is the Plan Commission's discussion on this item. Staff report accepted as part of the record. Staff requests review and acceptance of the 2019 Annual Action Plan for the Community Development Block Grant Program. The purpose of this review is for the Plan Commission to make a determination of consistency that the proposed programs and activities in the 2019 Annual Action Plan are consistent with the City's 2005-2025 Comprehensive Plan, Comprehensive Plan Update 2040, official maps, or 2 other planned activities of the City. Ms.Brandt presented the item and explained the objectives of the program. Annually,the City prepares and submits to the US Department of Housing and Urban Development(HUD), an Action Plan to demonstrate how estimated federal CDBG funds will be spent. The 2019 Program Year begins May 1,2019 and will end April 30, 2020. The 2019 allocation is$835,154. As proposed,the 2019 allocation and carry over funds from the 2018 program year, over 70% of CDBG funds will benefit low to moderate income (LMI) persons during the program year. Public Service applications (via the Consortium) are currently being accepted by the City and will be reviewed by a committee consisting of representatives from Oshkosh Area United Way, Oshkosh Area Community Foundation, and the City of Oshkosh. Staff is recommending that the City allocate$117,000 for public service activities/programs. Staff is recommending that the City allocate$335,154 for the Housing Improvement Program. Remaining funding is recommended to be distributed to the Central City Redevelopment($300,000) and to the Administration&Fair Housing($83,000). Prior to Council consideration,the Action Plan is reviewed by the Plan Commission for consistency with the City's 2005-2025 Comprehensive Plan, Comprehensive Plan Update 2040, official maps, and other planned activities of the City. Ms. Palmeri left at 6:00 pm. Mr. Fojtik opened technical questions to staff. There were no technical questions on this item. Mr. Fojtik asked if there were any public comments. There were no public comments on this item. Mr. Fojtik closed public comments. Motion by Ford to adopt the findings and recommendation as stated in the staff report. Seconded by Hinz. Mr. Fojtik asked if there was any discussion about the motion. There was no discussion on the motion. Motion carried 5-0-2 (Abstain:Fojtik and Perm). 3 .044A� ushkosh CITY OF OSHKOSH, WI 2019 ANNUAL ACTION PLAN Prepared: May 2019 Executive Summar AP-05 Executive Summary-24 CFR 91.200(c),91.220(b) ����00/ 1. Introduction /, The Fiscal Year 2019 Annual Action Plan represents the fifth year of th , s Consolidated Plan(���� ,I/an)for Fiscal Years 2015-2019 as approved by the Oshkosh Common Council and approved by the US Dep, ��nt of H g and Urbav%melopment(HUD). The Action Plan is f7"the City of Oshkosh's application for HUD entitlement gran�� ds and identi �� �osed programs"Iprojects to be funded during the O / City's Fiscal Year(FY)2019. le //// During the 2019 Program Year,the City of Oshkosh will pursue I imp �� tion of�� is and activities in four major categories:1)Central Rio City Redevelopment;2)Housing&Neighbor lopment; f�ublic Se nd 4 ,� ram Administration&Planning. Of the$835,154 in estimated CDBG funds plus 2018 Progra .e��' imum of" o (s � spent on activities that will benefit LMI persons. " Activities funded with CDBG funds in this Acti n will' et the nati bjectives of benefiting LMI persons and/or preventing or eliminating slum or blighting con . It is important to note that ; on Plan setsFM/ and ies to be jeved over the FY 2015 2019 period and identifies a list of funding a resent hi h%% it n' r the City and serve as the basis for FY 2018 programs and activities identified priorities. The six Con Plan G p gj y Y p g in the Action Plan. The Con Plan�� are listed be' jn no p��lar order: MOLL Annual Action Plan 1 2019 OMB Control No:2506-0117(exp.06/30/2018) • Provide safe,decent,affordable housing • Create strong and healthy neighborhoods • Create suitable living environment through Public Services / • Provide overall administration of the CDBG program,conduct fair housing a s,as well as Comprehensive Planning activities. • Create suitable living environment through public facilities or infrastruct ovements • Create economic opportunities ����� FBI����� 2. Summarize the objectives and outcomes identified in tF� This could be a restatement of items or a table listed elsewhere in Ian or ference to' I her location.It may also contain I any essential items from the housing and homeless ne s assessmen O � g market ana fir the strategic plan. For details regarding the objectives and outcomes targeted 2M.04� an and thi � ual Plan in relation to each of the six goals listed above, please refer to Sections AP-15(Annual Goals and Objectives) 3. Evaluation of past performance �//////// This is an evaluation of past ' e that 1111 rant choose its goals or projects. The City continues to moni devaluate t 1 - orma� f the City , BG programs and activities while ensuring regulatory compliance. a The City's Annual Action Plan nsolidated Au��f Perfoe�ce and Evaluation Reports(CAPERS)have provided details about the innovations,projects and progra p�ted by th�� h e fW�past(documents may be viewed or downloaded from the City's website). � f ov er The City recognizes that the evaluation o t perfor , ce is critical to ensuring the City and its subrecipients are implementing activities effectively and that those activities align iiiii�f� C verall strategies and goals. The performance of programs and systems are evaluated on a regular basis. The City continues to impr v BG subrecipient application process in order to ease the administrative burden on applicants and volunteer community-member board and reviewers. Annual Action Plan 2 2019 OMB Control No:2506-0117(exp.06/30/2018) 4. Summary of Citizen Participation Process and consultation process Summary from citizen participation section of plan. In accordance with the Citizen Participation Plan outlined in the Con Plan,t Acti n was available online and hard copies were available at the Community Development Office at the Oshkosh City Hal The FY 2019 Action Plan was presented and discussed at the following = ings.. o it o Annual Action Plan 3 2019 OMB Control No:2506-0117(exp.06/30/2018) Redevelopment Authority,May 15,4:00 pm Neighborhood Public Hearing,May 16,5:00 pm Plan Commission,May 21,4:00 pm Common Council,May 28,6:00 pm Over the past several months,City staff also consulted with representatives fr a /�j/��ccies participating in the Winnebagoland Housing Coalition and the Oshkosh/Winnebago County Housing Authority. These i s provicI914 de spectrum of services in the community and represent needs of many different segments of the population to ensu ire CDBG progra 6 g meets the needs of the community. , S. Summary of public comments im �tiYp This could be a brief narrative summaryor referenceched docu ��the Citizen Par ation section of the Con Plan. i�0 i Redevelopment Authority meeting, May 15,2019—no c �, eived Public meeting,May 16,2019—no comments received Plan Commission meeting,May 211 2019 „ ents reci d Common Council May,hearin public p g Y 19- / j 6. Summary of come�� not a easof or not accepting them All public comments we epted. j// 7. Summary The City of Oshkosh's FY 2019 Annual as been prepared as a guide for the expenditure of CDBG funds based upon input from citizens and local agencies rega a needs of the community and use of funds; an assessment of needs in the community related to housing and community evelopment and an analysis of the area's market create a picture of the environment in which the program will be administered Annual Action Plan 4 2019 OMB Control No:2506-0117(exp.06/30/2018) PR-05 Lead & Responsible Agencies—91.200(b) 1. Agency/entity responsible for preparing/administering the Consolidated Plan Describe the agency/entity responsible for preparing the Consolidated Plan hse responsible for administration of each grant program and funding source. Agency Role N % Department/Agency CDBG Administrator Oshkosh Community Development Department ML Table I—Resp'Wffi/a Agencie Narrative(optional) j hoo The Cityof Oshkosh has designated its Community Develo m � e,� t as the enc responsible for administration of the g Y p � N� /i, jg Y p Community Development Block Grant(CDBG)pr aam and assomat d repcUY a De 3 nt is also the major public agency responsible for administering programs addressed in the Co / ,I an and th 201 J I' tion�I n,except for Homeless Programs. The Continuum , of Care(CoC)for Homeless Programming � Winnebnd Hou�� � ion w �� /OCAP as the local non-profit agency taking the leadership role in administration. The City works with numerous ����sed o�� onh� rs,b �esses,other funders,as well as City of Oshkosh departments,to plan,develop,implement a,, luate ac f outli this plah�hg' Consolidated Plan Public Co Information/%/ City ofOshkoshGrants Coordinator PH:920.236.5029 ////////// email:dbrandt@ci.oshkosh.wi.us Annual Action Plan 5 2019 OMB Control No:2506-0117(exp.06/30/2018) AP-10 Consultation —91.100, 91.200(b), 91.215(I) 1. Introduction Consultation on development of this Plan was achieved through interviews and public hearings. Efforts were made to consult agencies that provide a wide range of services so that a clear picture of community needs would be available during development of the Plan. Provide a concise summary of the jurisdiction's activiti nhance coordination between public and assisted housing providers and private a ntal health, mental health and service agencies (91.215(1)) When developing the Consolidated Plan, the City hed a collaborative e consult with elected officials Citydepartments, community stakeholders"', enefici ,� of entitle, ro rams to p Ya . g inform and develop the priorities and s tegies contain t five year plan. �� M/M City staff also consulted with the Oshkos o County` J ing Authority and the Winnebagoland Housing Coalition. / /////mob 40 j// The Oshkosh/Winneb ��� sing Aut�r, 's , � romf a adequate and affordable housing, economic o unity an itable livi�� onment��from discrimination.The Authority's staff are key��� ipants i, e prepara, , of the Consolidated Plan as well as Annual Action Plans a nsolidatdUfr n ' y, ance , evaluation Reports (CAPERS). The W �agoland H ��" Coali�� i as repre ��ves from various housing and social service � i organiza�� including pubd assiousing providers and private and governmental health, mental heafjd service age A rep �tative from the City of Oshkosh Community Development Department m�� onthly with Coalitio�to obtain input from those focusing on housing and services related to 'duals wit abilities, victims of domestic abuse, veterans, homeless, elderly persons, etc. j Describe coordination with the Continuum of Care and efforts to address the needs of homeless persons (particularly chronically homeless individuals and families, families with children, veterans, and unaccompanied youth) and persons at risk of homelessness. Annual Action Plan 6 2019 OMB Control No:2506-0117(exp.06/30/2018) The Winnebagoland Housing Coalition is the name of the Continuum of Care (CoC) serving the Oshkosh area. A representative from the City of Oshkosh Community Development Department meets monthly with the Coalition to obtain input from those focusing on housing and services related to individuals with disabilities,victims of domestic abuse, homeless, elderly persons, etc. The process used by the COC to identify and prioritize homeless needs includes an annual review of previous year's services provided, bi-annual point-in-time survey of homelessness and a review of homeless client input and case notes by homeless service providers. Describe consultation with the Continuum(s) of Caret Yes the jurisdiction's area in determining how to allocate ESG funds, develop per, n ndards for and evaluate outcomes of projects and activities assisted by� nds, and �� op funding, policies and procedures for the operation and administra HMIs The City of Oshkosh does not receive or utilize emer shelter nts within i isdlction. However, ADVOCAP, as the lead agenC ministering ' ticipates and c ts with members of the Winnebagoland Housl Ion of whic� ity of Oshkosh is an active member. Annually, ADVOCAP consults with the WI � d Housln tlon to determine how ESG funds PER g can be utilized to meet the needs of indivi 4 in 2. Describe A�� es, gro , organiz % s and others who participated in the and dgiaction nsultations with housing, social service othe hies Table 2 �ncles, groups, Izati, 'ho participated j 1 Agency/ � � Organizatio Oshkosh/Winnebago County Housing Authority Agency/Group nization e PHA What section of th��� ddressed by Housing Need Assessment Consultation? Public Housing Needs Briefly describe how the Discussed public housing needs in the community Agency/Group/Organization was consulted. and how the City and Housing Authority could work What are the anticipated outcomes of the together collaboratively consultation or areas for improved coordination? 2 Agency/Group/Organization Winnebagoland Housing Coalition Agency/Group/Organization Type Continuum of Care Annual Action Plan 7 2019 OMB Control No:2506-0117(exp.06/30/2018) What section of the Plan was addressed by Public Housing Needs Consultation? Homeless Needs -Chronically homeless Homeless Needs -Families with children Homelessness Needs-Veterans Homelessness Needs- Unaccompanied youth Homelessness Strategy Public services Briefly describe how the City staff atten monthly Coalition meetings to Agency/Group/Organization was consulted. keep infor A ervices available and needs of What are the anticipated outcomes of the the com consultation or areas for improved coordination? 3 Agency/Group/Organization of Oshkosh EconlM, evelopment �j Agency/Group/Organization Type ........... ° er government- Local What section of the Plan was addr ssed by Ec� is pment Consultation? 7j/ Brieflydescribe how the �� /////j conomic � pment strategies and initiatives �o 11J 1 �D/�� Agency/Group/Organization was conk currer�� place or may be undertaken. What are the antic i lr� omes of t 'iO consultation or q/ or im�� d coordination? 4 Agency/Grow Clrgan����� ,� ter Oshkosh Economic Development Corp. Age �� izati Ae �% o ofit economic development Corp ection of they as a sed by �onomic Development Consul n? Briefly debi how the This non-profit corporation works with the Agency/Grou�� anizati s consulted. community to provide leadership, direction, What are the an VAI ted ou es of the coordination & services to advance economic consultation or area�� ved development in the greater Oshkosh area coordination? 5 Agency/Group/Organization Winnebago County Health Department Agency/Group/Organization Type Other government-County What section of the Plan was addressed by Lead-based Paint Strategy Consultation? Annual Action Plan 8 2019 OMB Control No:2506-0117(exp.06/30/2018) Briefly describe how the Consultation about actions taken/to be taken to Agency/Group/Organization was consulted. evaluate children affected by lead based paint and What are the anticipated outcomes of the how to address lead paint reduction. consultation or areas for improved coordination? 6 Agency/Group/Organization ADVOCAP INC. Agency/Group/Organization Type Services-Children Services-Elder, rsons Services-P r with Disabilities Service s Servi � �u�! s-Em to m p Y What section of the Plan was addressed by,/ using Need Assessm Consultation? Bless Needs -Chronic meless j ess �� -Families wlf ;Idren Ho Needs-Veterans Homele �s Needs- Unaccompanied youth � �Vtl elessn%f �/ategy H eless al Needs ove egy Jntinuum of Care Briefly how th00 ��� i borate on various programs/activities to best Age,' izati s consu�� ser'o he community W, j re the antic out" of the con f J ion or areas f" rove yf coordin 7 Agency. -o�Io; rganization City of Oshkosh Public Works Department Agency/Group/ i�zatio a Other government- Local What section of the �� j addressed by Economic Development Consultation? public facilities/infrastructure Briefly describe how the consultation regarding various infrastructure Agency/Group/Organization was consulted. improvements planned during the program year What are the anticipated outcomes of the consultation or areas for improved coordination? Annual Action Plan 9 2019 OMB Control No:2506-0117(exp.06/30/2018) 8 Agency/Group/Organization Neighborhood Associations Agency/Group/Organization Type neighborhood association What section of the Plan was addressed by Housing Need Assessment Consultation? neighborhood initiatives Briefly describe how the Discussion on neighborhood programs/activities to Agency/Group/Organization was consulted. create strong and healthy neighborhoods What are the anticipated outcomes of the consultation or areas for improved j coordination? 9 Agency/Group/Organization Day b A, N, g Shelter Agency/Group/Organization Type es-homeless vices-Health �rvices-Employment r 1 rofit What section of the Plan was add by Hous, Assessment Consultation? �0 Homeles ds -Chronically homeless Bless N' Families with children s0 �X " , sness -Veterans H f Nee ' Unaccompanied youth ', elessnes��`ategY In-Homeless Special Needs Briefly jhow thl//fj /�/// de shelter and advocacy p /% Age aati s consu e the antic r , f � '�j utc� �of the cons J ion or areas f � rove coordi ? 10 Agency/Gro� anization Greater Oshkosh Housing Neighborhood Initiatives Agency/Group/ ftatio � �e non-profit / What section of the addressed by Housing Need Assessment Consultation? neighborhood initiatives Briefly describe how the expand on the organizations role in developing, Agency/Group/Organization was consulted. expanding and organizing neighborhood planning What are the anticipated outcomes of the projects/programs/activities, acquisition of slum & consultation or areas for improved blight, rehab or demolition of blighted structures coordination? Annual Action Plan 10 2019 OMB Control No:2506-0117(exp.06/30/2018) 11 Agency/Group/Organization HABITAT FOR HUMANITY OF OSHKOSH INC. Agency/Group/Organization Type non-profit What section of the Plan was addressed by Housing Need Assessment Consultation? Homeless Needs -Chronically homeless Homeless Needs -Families with children Homelessness Strategy Non-Homeless Special Needs Briefly describe how the Habitat's co role in construction of new Agency/Group/Organization was consulted. affordabl i g for LMI households. Continue What are the anticipated outcomes of the partn f cts with City and local Housing consultation or areas for improved coordination? 12 Age ncy/Group/Organization °/ Metropolitan Milwaukee Housing Council Agency/Group/Organization Type ir ing What section of the Plan was ad /J by fair Consultation? G/O/// //// Briefly describe how the O� l �nue to cct with satellite office in Agency/Group/Orga was consul Ap�/ North�� Isconsin Fair Housing What are the ant' �� es of th�//r C ,/fli) a training opportunities for ��consul or - for impr� ! ords an ants, PHA staff; as well as ltation coordination? ��/ estigate potential fair housing complaints. 13 Agenc ��� " >iT aniza � � O� sh Public Service Consortium IS A Group/Or tion iness and Civic Leaders Whaion of the Pla�� s ad d by Homeless Needs -Chronically homeless Consult� ' / �� Homeless Needs -Families with children � � ? � // Homelessness Strategy Non-Homeless Special Needs public services Briefly describe how t / collaboration effort between City, local Community Agency/Group/Organization was consulted. Foundation and United Way, to allocate funds to What are the anticipated outcomes of the public service agencies consultation or areas for improved coordination? Annual Action Plan 11 2019 OMB Control No:2506-0117(exp.06/30/2018) Identify any Agency Types not consulted and provide rationale for not consulting Not applicable IF /////j�/ Other local/regional/state/federal planning efforts considered wh % eparing tf n Name of Plan Lead Organization How d oals of your Strateg" overlap with the goals of each plan? Winnebagoland Alleviate the im f homelessness in the unity through cooperation and Continuum of Care /�. Housing Coalition collaboration of sogl rvic riders 2005-2025 City of city I plan is co r d of ten elements that provide a comprehensive slate of city- Oshkosh Comprehensive City of Oshkosh �l I s smart growth strategy for growth and development Plan wider urther th� g gY g p R �o 2005-2025 City of Housing ent s a polic a to help the city meet its existing and future i Oshkosh Comp Plan City of Oshko ���� using net The P goa� creating and preserving affordable housing stock p Y Housing ;)n the Cit Th' nalysis of diments to Fair Housing Choice presents a demographic profile of the City of Oshkosh Analysis of City of Oshkosh s the it of housing needs among specific income groups and evaluates the Impediments �� abil'i't °' a n ��� g�� housing choices for residents. local/re federal planning efforts Narrative(optional) //// / None IE Annual Action Plan 12 2019 OMB Control No:2506-0117(exp.06/30/2018) AP-12 Participation—91.105,91.200(c) 1. Summary of citizen participation process/Efforts made to broaden citize participation Summarize citizen participation process and how it impacted goal-setting City staff continues to work with the Oshkosh Public Service Consortium and c unity� ps,organizations and agencies to increase citizen participation and improve the FY 2018 CDBG application and evaluation ��'s. The City a� eks input from the Plan Commission to ensure projects and activities to be carried out are in compliance with the Cit pted Comprehens 1� an. The Plan Commission serves in an advisory capacity to the Common Council on issues related to the Co T ated Plan,Annual Actio 'ji end of the year CAPER reporting, Analysis of Impediments to Fair Housing,as well as the CDBG allocation."°11 All meetings are open to the public and agendas are distrib��0� mail,intern sting and hardcopy posting. Meeting notes summarizing the discussion items and actions taken are osted online and � le at sub ' nt meetin s to keepinterested parties informed. pO/ // g City staff,along with partner agencies such as Winneba-rd"ounty �T utho nd Winnebagoland Housing Coalition,receive feedback from the public and other Comm a e rs regar ° pn oHUD funded programs through presentations and � attendance at monthly meetings. /�j// %o /i o Annual Action Plan 13 OMB Control No:2506-0117(exp.06/30/2018) Citizen Participation Outreach Sort Order Mode of Outreach Target of Outreach Summary of ary of Summary of comments URL(if response/attendance c is received not accepted applicable) and reasons Redevelopment Non-targeted/ 1 Authority Public broad community Meeting �� �VE Ex 2 Public Meeting Non-targeted/ broad community Plan Commission Non 3 targeted/broad public meeting community Common Council Non-tar 4 public hearing/ broad cogete I �j meeting J Oshkosh Public 5 Service Non targ �l, U d comm 'a Consortium �/a Neighborhood on- �� 6 Associations` broad com �,ij 16 Annual Action Plan 14 OMB Control No:2506-0117(exp.06/30/2018) Sort Order Mode of Outreach Target of Outreach Summary of Summary of Summary of comments URL(If response/attendance comments received not accepted applicable) and reasons A Notice of Public Hearing regarding the Cit 's 2019 CDBG '"'� Y /00 D/ funding allocation Non-targeted/ and public hea 7 newspaper ad broad community to obtain cit; input was pub in the local n %' er on May , 5 �i� Rio Table 4 ze ation Ou i � rrrr iIM, o o Annual Action Plan 15 OMB Control No:2506-0117(exp.06/30/2018) Expected Resources AP-15 Expected Resources—91.220(c)(1,2) Introduction Please see information provided below Anticipated Resources Program Source Uses of Funds Expected Available Yea Expected Narrative Description of Funds Annual Pro r Year Amount ��% Availa Allocation: In co / $ �/ ble �� / J1J $ $ mainder M$Plan CDBG public Acquisition ����V The city does not anticipate receiving any federal Admin and �/ program income. However,any program Planning// �j/j j// income generated through the housing Devno %��iiJJOJ improvement program will be placed in a ����� //// "�//////� ���j revolving loan fund and used exclusively Hou �� for the housing improvement program. Public Improveme ���� Public Services 811,154 0 0 835,154 462,383 Annual Action Plan 16 OMB Control No:2506-0117(exp.06/30/2018) Program Source Uses of Funds Expected Amount Available Year 5 Expected Narrative Description of Funds Annual Program Prior Year Total: Amount Allocation: Income: Resources: $ Available $ $ $ mainder of Con Plan HOME public Acquisition The City does not receive HOME funds federal Homebuyer assistance Homeowner rehab Multifamily rental new construction Multifamily rental rehab New construction for j ownership j///, TBRA � 0 0 Ta Expecte � es—Priority Table ME��//// Annual Action Plan 17 OMB Control No:2506-0117(exp.06/30/2018) Explain how federal funds will leverage those additional resources(private,state and local funds),including a description of how matching requirements will be satisfied While the CDBG program does not require leveraging,the program does leverag ��urces. The City budgets funds in its Capital Improvement Program for additional programs for housing related activities(i uI�� housing rehabilitation),public facility improvements,landscaping,curb appeal projects,and acquisition of prope, i elimin � m and blight. The Oshkosh Area Community Foundation and the Oshkosh United rtn r with the City o osh in forming the Oshkosh Public Service Consortium. The Consortium seeks applications from public service a s for programs/activit t meet one of HUD's national objectives and benefit low-to moderate-income households. ����% ��� If appropriate,describe publically owned land or proper cat in the iction that may be used to address the needs identified in the plan j/ �� The City of Oshkosh may provide vacant/u loped 181 �private ers,Habi' r Humanity,Advocap or other non-profit/CHDO agencies for construction of new affordable h f unit R % Discussion Not applicable Annual Action Plan 18 OMB Control No:2506-0117(exp.06/30/2018) Annual Goals and Objectives AP-20 Annual Goals and Objectives O h Goals Summary Information O���O��� Sort Goal Name Start End Category graphic Area Nee essed Funding Goal Outcome Indicator Order Year Year y CDBG: Homeowner Housing 1 Provide safe,decent, 2015 2019 Affordable Com � w��Affordable /// affordable housing Housing ��� Housing- � 5335,154 Rehabilitated:15 Non-Home*���� rehabilitation Household Housing Unit jJ�JJ// /j////j/J Direct Financial Assistance to Special Need�O//�j/// Households Assisted JO/ Other:1 Other 3 Public services 2015 20 omeles C � unity wide Public Services CDBG: Public service activities Spjj��jjHo; r 5117,000 other than Low/Moderate € e/ � j Income Housing Benefit: // s // 20,000 Persons Assisted Homeless Person / Overnight Shelter:500 Persons Assisted 4 Administration/Planning 201 9 Gene rogram Communitywide Planning& CDBG: Other:1Other Admi.; ation Program 583,000 Administration Annual Action Plan 19 OMB Control No:2506-0117(exp.06/30/2018) Sort Goal Name Start End Category Geographic Area Needs Addressed Funding Goal Outcome Indicator Order Year Year 5 Central City 2015 2019 Non-Housing Community wide Affordable CDBG: Buildings Demolished:1 Redevelopment Community &neighborhoo lllousing $300,000 Building; Development associations rehabilitation Slum&blight buildings /// acquired:1 Slum and blight Public Facilities& Other:1 Other rovements Table 6—Gg mary Goal Descriptions /j/// 1 Goal Name Provide safe,decent,affordable housin` 0 /j, f Goal Funds will be used to rehab and expand th'� ty able hou f tock for LMI households as well as to stabilize and Description visually improve older Wborhoods. funds used t vide home ownership opportunities to eligible homebuyers by provident assist, loan �� � IIused to acquire homes in need of repair,make needed repairs and seles alified h ,s. ���0 3 Goal Name Public services Goal Funds w�Ib o loca s that '�vide needed services to low and moderate income individuals and Description househo 4 Goal Name Adminis n and Plannin �9 Goal Funds will be%for salaries o� ,-sonneIved in CDBG program management and administration,as well as associated Description training&relate t��s;fair housi ervices;environmental consultants;and preparation of various documents/plans relative to the entif€� t progra 5 Goal Name Central City Redevelop Goal Funds will be used to assist w' a redevelopment of blighted properties within the central city,acquisition of spot blighted Description properties or in designated redevelopment areas. Annual Action Plan 20 OMB Control No:2506-0117(exp.06/30/2018) Projects AP-35 Projects — 91.220(d) Introduction During the 2019 Program Year, the City of Oshkosh will pursue the implemention of projects and activities in four major categories: • Central City Redevelopment • Housing& Neighborhood Development • Public Services • Program Administration & Planning ���� The use of CDBG funds in 2019 will focus on acti nd programs that: • Improve and maintain housing and create acc�����ty t eownership' come qualified homebuyersj l % • Revitalize neighborhoods throu aping imp ents curb appeal improvements elimination of slum and blight pro'., • Provide funding to v , us public sere agendih be det ed,that provide shelter/ services to pers"fffff omeless, cte %��� 'c abu�� recovering from addiction, need health c f� , / ervices • Provide training1//ndlords` tenants o housing regulations • Provid ministrat t d,I1CDBG m Projects # Pr i Name j 1 Central City elopment ` 2 Housing Rehab i n 3 Public Services 00 4 Administration / Table 7-Project Information Annual Action Plan 21 OMB Control No:2506-0117(exp.06/30/2018) Describe the reasons for allocation priorities and any obstacles to addressing underserved needs The City will continue to initiate progress towards implementing programs/activities in LMI/LMA neighborhoods. City departments will continue to participate in internal discussions (Police, Inspections, Planning, Assessor, etc) and coordinate with citizens in identified areas (such as neighborhood associations). By coordinating actions of City staff, the obstacle for staff capacity will be addressed so that actions can be as concentrated as possible. Also by involving the residents of these neighborhoods, the residents will be a resource of information and for implementati n of the strategies. Coordination between the public and private sectors will formrship to address priorities of these neighborhoods. The intended outcome of tailoring neighborhoods will be that the residents will be much more informed and intricately i I in th rnance and neighborhood redevelopment activity processes in order to direct in the impl / tion of neighborhood projects.The City's partnership with a local non- I ',Greater Oshkosh He ,Neighborhood Initiative (GO-HNI), is intended to be used as a nongovernm ' ;tool to assist in the est ment of neighborhood associations.The goals of this partners ne hood vit 31, community building, lending, homebuyer educatiol�/sing rehabili�f� neral review of the�11using and neighborhood improvement programs improvement activities, as determined by the City, GO-HNI and resi Jea borhoo� iations. j Annual Action Plan 22 OMB Control No:2506-0117(exp.06/30/2018) AP-38 Project Summary Project Summary Information 1 Project Name Central City Redevelopment Target Area Community wide and neighborhood associations Goals Supported Central City Redevelopment& Com Facilities Needs Addressed Neighborhood Initiatives Public Facilities & Improvem Fj Funding CDBG: $300,000 �� Description Funds will be used t t with the redev d ° n�t of blighted properties within the Central quisition of spot blight operties or in designated redevelopm eas. F may also bed, d to acquire a vacant to / he central cit %��� he local warmin��lter In estabIishi �� anent hom shelter. Activities may include acquisition c� emolltlo Ironmental remediation, public facility improlfjents, Gaping 'te clearance. Target Date M, 20 j//// Estimate the num` i Projec --tivities it the co unity as a whole, estimated opula • 66 700. So rojects may have a direct benefit to an and type of families" that will rom � f' ndin LIMA neighborhood. A permanent homeless the p t sh will pro ] rn es for the homeless population on a year 0 oun versus o'� rig ring the winter months. Locati scription Iwide Planned Ac s A s may rude elimination of slum and blight through acquisition and olition of vacant properties, housing improvement projects, str aping on streets where the blocks are LIMA or on individual parcels the property owners are LMI. 2 Project Name lousing Rehabilitation Target Area Community wide Goals Supported Provide safe, decent, affordable housing Needs Addressed Affordable Housing- rehabilitation rFuding CDBG: $335,154 Annual Action Plan 23 OMB Control No:2506-0117(exp.06/30/2018) Description Funds will be used to rehab and expand the City's affordable housing stock for LMI households as well as to stabilize and visually improve older LMI neighborhoods. Funds will be used to provide home ownership opportunities to eligible homebuyers by providing downpayment assistance loans. Funds will be used to acquire homes in need of repair, make needed repairs and sell the homes to qualified homebuyers. Target Date 4/30/2020 Estimate the number 15 owner occupied homes rehabilita M1 and type of families 2 homebuyers assisted / that will benefit from the proposed activities Location Description City-wide p g rsons/households; Planned Activities Improve and maint�r fordable housing for L �f`� home ownership assis��, . rentalrroabilitation; sition, rehab and resale tome qualif � 3 Project Name Public Se �� Target Area Community Goals Supported c services Needs Addressed Pub vices Funding / CDBG: /7,000 Descript' �� �� � ided t � al non-profit agencies that provide needed se to low e r income individuals and households. An��f` j� ' % /i� stab �� Public Se, Committee consisting of citizens at i esentatives from the City of Oshkosh United Way and the lr sh Are �� munity Foundation,will allow for a streamlined app ion & evaluation process and reduce funding overlaps with limited doll Target Date ///// 020 Estimate the number meless persons in overnight shelters-500 LMI persons assisted and type of families Other public service activities-estimated 20,000 LMI persons assisted that will benefit from the proposed activities Location Description City-wide Annual Action Plan 24 OMB Control No:2506-0117(exp.06/30/2018) Planned Activities The Public Service Consortium will allocate funds to public service agencies that have applied for funding through the City's application process. Activities may include health care assistance, emergency shelter, food pantry, peer support, advocacy and education, emergency assistance, oral hygiene for children 4 Project Name Administration Target Area Community wide Goals Supported Administration/Planning Needs Addressed Planning and Program Adminis Funding CDBG: $83,000 �/ Description Funds will be used for s of personne l ed in CDBG program management and a� s�tion, as well as a � ted training& related costs; fair housing; a mental co sultants; a� f� paration of various documents/plans relative, a e,'� ent progra��% Target Date 4/30/20 ii Estimate the number and type of families / that will benefit fro �� IIIIIIIIII�JJ��JJJ������� � //%/ the proposed acti, / / Location Description 00 City-wi4O/// Planned, / for p10M m administration costs such as salaries, tr/1 r coord , � '� tc. staff involved in CDBG program management � nd a �' J are also used to hire consultants to assist in � Jjration. ��� ���arious plans (i.e. Analysis of Impediments to Fair Housing) Marati ase I�f .vironmental assessments. Annual Action Plan 25 OMB Control No:2506-0117(exp.06/30/2018) AP-50 Geographic Distribution — 91.220(f) Description of the geographic areas of the entitlement (including areas of low-income and minority concentration)where assistance will be directed All programs, projects, and activities to be carried out under the 2019 Annual Action Plan will meet one of the three National objectives of: • Benefit to low and moderate income (LMI) persons. • Aid in the prevention or elimination of slums or blight. • Meet a need having a particular urgency Funds will be used to assist LMI persons and househol n city-W Is or in neighborhoods with approved associations, occur in and benefit LMI/L 'sus tracts/blo%j ps, or in spot blighted or approved redevelopment areas. See Exhibit B fo to moderate income �� s block groups and Exhibit C for the City's approved neighborhood ass n map. I , hould be n� he neighborhood associations map (Exhibit C)will change as new associ ' ar nized by the 1 j// an Geographic Distribution Target Area cent rids Oshkosh Priority Areas; ° � °��' wide Table 8-Geographic Di �j PH //%�/ j Annual Action Plan 26 OMB Control No:2506-0117(exp.06/30/2018) Rationale for the priorities for allocating investments geographically Assistance will be directed primarily to LMI census tracts and block groups and recognized neighborhood associations (as shown in the maps in Exhibit B and Exhibit C.), as well as properties spot blighted or designated as redevelopment areas by the City, or on a community wide basis to LMI income eligible persons. The majority of the LMI census tracts and block groups are located within the oldest areas of the Central City,which are predominately single and two family residential neighborhoods (though many have experienced inappropriate single family to multiple family conversions), but also include a mix of commercial, industrial and institutional uses. Residents in these areas have limited financial capacity to a sin and non-housing conditions p Y g g , IFM as well as neighborhood revitalization efforts. The City's 2 DR ion Plan activities and programs are intended to address these needs. Discussion Not applicable i j Annual Action Plan 27 OMB Control No:2506-0117(exp.06/30/2018) Affordable Housing AP-55 Affordable Housing— 91.220(g) Introduction In 2019,the City of Oshkosh will support affordable housing needs in Oshkosh by: • Providing funds for the City's homeowner rehabilitation p to assist low-and moderate- income homeowners with needed repairs and mainte �� • Providing downpayment assistance to income eligi '4 yers who have participated in approved classes j 'i, • Providing rental rehabilitation funds to ass: ords with nee 1 epairs and maintenance. • Collaborate with the City's housing partn 3bitat for Humanity,��ap and Oshkosh/Winnebago County Housing Aut in acquiri properties nstruction/ rehabilitation of affordable homes for income e f �. One Year Goals for I; f House to ��� Homeless Non-Homeless % 15 Special-Needs % 0 Total M 15 Table 9-j ar Go fford ousing b` �� "t uirement One Yea ° s for the Nu Ho Ids Supported Through Rental Assist 0 The Production Units 0 Rehab of Existing U 15 Acquisition of Existing 2 Total / 17 Table 10-One Year Goals for Af rdable Housing by Support Type Discussion Not applicable Annual Action Plan 28 OMB Control No:2506-0117(exp.06/30/2018) AP-60 Public Housing— 91.220(h) Introduction The City of Oshkosh will provide funding to support the Oshkosh/Winnebago County Housing Authority and the local Habitat for Humanity's homebuyers programs with downpayment assistance loans and rehabilitation as needed for repairs/code violations. Actions planned during the next year to address the needs to public housing The City of Oshkosh will collaborative with the Oshkosh/Winne unty Housing Authority on projects to further affordable housing for low-to moderate �ouseholds and/or disabled households. FEERM Actions to encourage public housing reside / ecome more inv 6r in management and participate in homeownershipAl / //// . The City of Oshkosh will collaborate wi e Oshkosh/ q �� ounty Housing Awr'ty on projects to further affordable housing for low-t� te-income h-, holds and/or disabled households. Ph The Housing Authority encourages its resid� to p��� to in va��� activities and programs to improve themselves and t more sefl fficien usrng thority works with the local FISC office in offering, , ; it uyer 1U' ation CI � d ing for those residents interested f 1 j in homeownership. FI ,ME���rtific: nseling a j The Author' Family �� S) pro to help housing choice voucher and public / ®111u n t� of i housin�, �, n' ���is at t � If suffic �jj�ro-� education advancement, employment skill develo , t, access to nit y �� rces, hom Vnership opportunities and development of financial ' with the goal i provi ir family's financial situation and overall quality of life. / If the PHA is d�� , ted as tro d, describe the manner in which financial assistance will be provided or otherQuIs tance PMS /° 0 The Oshkosh/Winnebago '� using Authority is not designated as troubled. Discussion Not applicable Annual Action Plan 29 OMB Control No:2506-0117(exp.06/30/2018) AP-65 Homeless and Other Special Needs Activities — 91.220(i) Introduction Coordination and delivery of homeless services is provided through a Homeless Service Providers Network as part of the Continuum of Care.ADVOCAP serves as the lead agency within the Network, which also includes Christine Ann Domestic Abuse Services (CADASI), American Red Cross of East Central Wisconsin, Legal Action of Wisconsin, and The Salvation Army—Oshkosh Corps. ADVOCAP also serves as lead agency and fiscal agent for consolidated applications for HUD ESG/THP and HPP funds. Additionally, ADVOCAP serves as lead agency for participation in t lance of State Continuum of Care organization. Both the Winnebagoland Housing Coalition and meless Service Providers Network discuss homeless prevention activities and strategies. The tinue to participate in these meetings and assist with funding where possible. The City continues to collaborate with the local w shelter on how th��can assist in the Shelter's efforts to construct a more permanent s facility that will offer services and resources and additional beds. Describe the jurisdictions one-year g and ending homelessness including: ��% , rso Reaching out to homele� ecially eltered persons) and assessing their individual, Homel" rvice provider ct with of r agencies that may not be active members of the i housing co N n to facilitate" less����'pants accessing services in a timely manner or to assure appropriate r �I of persons V her age jes to the homeless service providers. Also ADVOCAP provf��� taff sup -to conduct point in time surveys of homeless needs prepare annual needs assessmelr zation of unmet needs, and write grants for joint homeless activities. Joint training actr e also planned to benefit participating agencies. The City will continue to participate on the Winnebagoland Housing Coalition to provide and obtain input from organizations providing the necessary services and assist with funding where possible. Annual Action Plan 30 OMB Control No:2506-0117(exp.06/30/2018) Addressing the emergency shelter and transitional housing needs of homeless persons The City of Oshkosh will continue to support the Day by Day Warming shelter that serves a small but definite population of persons with limited shelter options in the community.The Day by Day Warming Shelter adds an important level to the continuum of care in this area by providing a safe setting to a vulnerable homeless population. Despite nearly 200 success stories of guests working toward self- sufficiency at the shelter,the need for temporary overnight shelter is growing in Oshkosh. The City will continue to support this public service activity in 2019. Homelessness and the factors affecting it are increasing and the �rary local warming shelter has to regularly turn people in need away.The City will s working w' y Day Warming Shelter in its pursuit of a more permanent shelter facility that will offer.... e s s and resources and additional ii beds. Day by Day is currently completing a feasibility �� � , and hopes gin the fundraising campaign before fall with construction by early spring. ��� Also, the Redevelopment Authority(RDA) of the Cit S Ikosh K orking with capon leasing a RDA owned single family house for shor term transitio�� u Helping homeless perso ecially crop/, ically� ess ini�� uals and families, families with children,vetera � amilies,�� u � d yth) make the transition to � permanent housin ndepe � t living, g shor� ig the period of time that individuals and familie erien omeless facilitating access for homeless individuals and familie rdable r„ d g p F tin individuals and families who were f � recentl eco iiJ hum � n G d Goals of t ' innebagolan ��ng C � include: • Promot is and priva rids to expand affordable housing opportunities and supportive services • Educate agend �le f g,'ie issues that impact affordable housing � • Educate public offi ��� ut housing issues • Identify issues regarding emergency housing and homelessness in the community • Adopt in-service agendas and endorse solutions to emergency housing issues and homelessness Annual Action Plan 31 OMB Control No:2506-0117(exp.06/30/2018) As a prevention strategy, an area of emphasis is providing more employment-related services to help persons move from shelter into permanent housing. The City will continue to participate on the Winnebagoland Housing Coalition to provide and obtain input from organizations providing the necessary services and assist with funding where possible Helping low-income individuals and families avoid becoming meless, especially extremely low-income individuals and families and those who are: b scharged from publicly funded institutions and systems of care (such as healt cilities, mental health facilities, ', foster care and other youth facilities, and correction � gr �� nd institutions); or, receiving assistance from public or private agencies that I I" ss housin Ith, social services, 0/0111111 employment, education, or youth needs. The City will continue to participate on the Winneba Housi, ' oalition to e and obtain input from organizations providing the� essary service��� with funding w � ossible. While City staff will not lead the effort t �i,, charge p �/ taff will participate in any efforts to create such a policy. DO�� Discussion p , The City of snot � r u unds to address homeless needs or to preven • essnes � a are ber of fl ""private organizations providing these homele rvice in the T nity, a City sup r is these agencies through funding to the Public Service Co um. The Continuim o (CoC) in Os sh has a direct influence in addressing the needs of the homeless. The following priorit4rjere esta i �'ed by the CoC and continue to be followed: 1 Service gap a in short t e ce 2) Case management with supportive services 3) Accessible emergency shelter along with motel vouchers 4) Medical and health related services Annual Action Plan 32 OMB Control No:2506-0117(exp.06/30/2018) 5) Transportation help 6) Transitional housing 7) Housing and supportive services for chronic homeless 8) Essential personal needs such as food, clothing and personal care items 9) Subsidized permanent housing 10) Foreclosure help 11) Daycare support // 12) Fair housing assistance o i j Annual Action Plan 33 OMB Control No:2506-0117(exp.06/30/2018) AP-75 Barriers to affordable housing— 91.220(j) Introduction: Actions it planned to remove or ameliorate the negative effects of public policies that serve as barriers to affordable housing such as land use controls, tax policies affecting land, zoning ordinances, building codes, fees and charges, growth limitations, and policies affecting the return on residential investment The City's 2005-2025 Comprehensive Plan calls for the followin to maintain and rehabilitate the City's existing housing stock: • Continue housing rehabilitation programmin h provides ance to low and moderate income persons in upgrading their housin �'h purchasing and ving properties in older neighborhoods. • Encourage downtown/central city residential" lopme rough reha ion or new construction • Implement Neighborhood Im Strategies b elghborhood and housing issues. • Develop program and encourage er" vert none etitive rental property back to owner occupied structures. • Create a rehabil' Mfor pre-e g co histo Oproperties. • Work with pu nd priva" using pr plan' development of additional housing units a �ble to to nd moder ncome owner and renters as needed and to secure additional s , ' es of exist rlvately owned units. In Jan ue CI�� shko f, lemente- ntlal Rental Inspections Program to protect the hea d safety of re side , the community. The Oshkosh Common Council created the �� ��i program in nse to findin �' t a si � nt percentage of housing code complaints and violations were occurrmg���/in rental pro 'es lead) f to an adverse affect on residents and neighborhoods, contributing to d propert lues and neighborhood blight. The intent of the program is to encourage Oshkosh r roper ners to exercise their responsibility to meet code requirements to provide safe and sanit �� nditions for tenants. Program guidelines were also drafted in keeping with current Federal� i �� Wisconsin State laws. The City will continue to fund programs and activities that address affordable housing for all citizens to the extent possible. However, due to funding limitations both through Federal programs and at the local level, the City will have to use its funding strategically. Annual Action Plan 34 OMB Control No:2506-0117(exp.06/30/2018) During the coming program year,the City will be undertaking an Analysis of Impediments (AI)to Fair Housing study. A consultant will be hired following the procurement requirements of 2 CFR 200 to prepare the Al for submittal to HUD. The Analysis of Impediments will perform an assessment of fair housing, defines and undertakes the community/stakeholder participation process, and the identification of contributing factors and the establishment of priorities and goals that lead to meaningful actions that affirmatively further fair housing.The Al will also state how the City of Oshkosh, will act on its responsibility to address fair housing contributing factors and appropriate actions to overcome the effects of those factors and other actions in this regard. The City's current Analysis of Impediments (AI) summarized acti I e taken to address barriers to affordable housing. The City's Analysis of Impediments is at s Exhibit D. The City of Oshkosh r �has, and will continue to use, various strategies to addres ,� � e �� any negative effects of public policy that are barriers to affordable housing. ���� The City of Oshkosh revised its Fair Housing Ordl 1 to Include transgendef viduals as a protected �° �� class, as well as reflect the current structure for inve ion and ', osition of f laints through a � , third party contractor (Fair Housing Co cil of Northeas�i � c I I r �� The City of Oshkosh approved a Residen �D��� egistratio Inspection Ordinance (rental registry). The City-wide program is for the Istr 'i d inspec � f residential rental dwellin units to ensure units provide saf nt and sa i!j livi���� ns fo� i, nts and to prevent further deterioration of those �iThe Oshkosh public tran � � tion sy , provide , ��s service to LMI households in Census Tracts 1, 2, 4, 5, 7, 8, 11, 4 and 15!//// ��0/ . % �� rates building design standards to maintain and The Ci ted a ne g Or � ce which �� g g enhanc ttractiveness��� alues operty in the community. Continue to cot with Fair HcYft g Coun"'Ot Northeast Wisconsin to provide training for landlords and tenants and o' nterested Ies on fair housing regulations, as well as Investigate potential fair housing complaints ]// As City streets are resurface are designed to enable safe access for all users, including pedestrians, cyclists, motorists and transit riders, that helps create a livable community for all citizens. Also, there are a number of State and local regulations designed to promote the orderly development and maintenance of safe, decent and sanitary housing in the community.To eliminate duplication, the City uses the building codes established by the State for uniform construction standards. Consequently, the City's building codes do not appear to hinder the development or preservation of affordable housing. Annual Action Plan 35 OMB Control No:2506-0117(exp.06/30/2018) Likewise, the locally established Minimum Housing Code does not create a barrier for affordable housing.These standards parallel the National Minimum Housing Code Standards and are minimum requirements established to preserve and promote the public health, safety, comfort, personality and general welfare of the people.Their enforcement is necessary to preserve and encourage the private/public interests in housing and its maintenance. The City's zoning and land-use codes promote the morals, aesthetics, prosperity, health, safety and general welfare of all people in Oshkosh.These codes are constructed to allow compatible development throughout the community and are flexible enough to encourage r elopment in the community's existing, established areas. All residential properties are assessed on a citywide basis �h ales data of comparable properties in and around the immediate neighborhoo 1 ywide asse �ensures an equitable treatment of residential property and provides anl ve to those wh tain and improve their properties. j gT, The current public policies relating to housing and, in palrf)d la i dable housing, of appear to be excessive, exclusionary, or discriminate o they dup ' � I'y other policies.Th ity will work with developers, homeowners and publi%� �� hat encou arriers to affordable housing to address the issues. ]/�j/ jj/ Discussion: The City of O will cone ousln� uncll of Northeast Wisconsin (FHCNW) during the 2019 �� preh �; e fair h ��" nf��ment, outreach, education and technical assistag Disc rimi f continues today in both subtle and overt ways and man Xsing consume pro have poor understanding of the rights and responsibilities provided by JI/ ousing laws. 4� ousin �es affect all participants in the housing market. Under ///a ' the City's contra" will p � � e training to landlords and/or tenants in Oshkosh, as well as social service agencies or� organiza s that serve Oshkosh. Most other activities to address impediments to fair h �� ide d in the City's Al, will be undertaken b City staff. Y� Y Y j Annual Action Plan 36 OMB Control No:2506-0117(exp.06/30/2018) AP-85 Other Actions — 91.220(k) Introduction: A primary obstacle to meeting the underserved needs in the City of Oshkosh is the lack of available funding to the City and to the various non-profit agencies the City partners with in serving LMI residents. As entitlement grants shrink, the cost of delivery services and competing projects increase and the economy continues to be challenging--the need is greater. Actions planned to address obstacles to meeting der needs p g un �/ Due to funding limitations both through HUD program A d t the lo ell,the City will have to use its funding strategically. For redevelopment or neigh projects, fund' be concentrated first in approved neighborhoods, LMI/LMA censu W "ks/block groups, spot��� ted and redevelopment areas. The State of Wisconsin also continues issues wit its, which has a ect effect on the amount of shared revenue coming � I is and programs. The reduction of shared revenues is expected to continue o%, re will directly affect the amount of funds that can be budget r housing lo �, Actions planned to fost/ m . afforda�� housing /� ��, / The Clt inue��� the Ing re 1 061 am to rehabilitate and Improve existing units f h homeowner rent d provide�wnpayment assistance to eligible homebuyers. In order to a � , any type of s �';nabl��� lization success, funds must be programmed and r resources tar to effect char��n trans al and distressed neighborhoods. Wisconsin Statutes t the us ° 'the final year of tax increment in a terminating Tax Increment District to be used to fu' I" r ents to the housing stock(primarily benefitting affordable housing). The City created althy Neighborhood Initiative Program in 2012 to concentrate its local resources into program neighborhoods to achieve revitalization. The goal is to attract homeowners and private investment back into participating neighborhoods. Using a combination of funding sources, such as local capital improvement general obligation bonds for public realm improvements, CDBG and Healthy Neighborhood Initiative Program funds, will strengthen neighborhoods throughout the community for the benefit of all residents and income levels. Annual Action Plan 37 OMB Control No:2506-0117(exp.06/30/2018) Actions planned to reduce lead-based paint hazards Any program that undertakes rehabilitation work will meet the requirements of the lead safe housing rules. Actions planned to reduce the number of poverty-level families In the past, CDBG funds have been allocated to local homeless s a domestic abuse shelter, food pantry and other public service agencies that directly serve f j and individuals that are facing financial hardship. The City will continue to fund public se � '" s under the CDBG program Y p p g guidelines. Actions planned to develop institutional structu ///h /// �o , City staff will continue to participate an�, - communit' �! �nization boards to maintain open communication with other governmental 1 51.ItI rs throughout the community. Actions planned to Olation be h'public a private housing and social service agencies / O/ Cit staf �% rtici /Winne�� d ,usln Coalition meetings which is a valuable Y �% j © p �� g g forum to communic / oin�� eve es within the community, especially in terms of housing essness and t �` eds o ial populations. City staff will use these discussions to evaluate nee��� erms of how"' G fun�T'y be able to fund activities to assist with these issues. Discussion: Not applicable Annual Action Plan 38 OMB Control No:2506-0117(exp.06/30/2018) Program Specific Requirements AP-90 Program Specific Requirements — 91.220(1)(1,2,4) Introduction: Not applicable ai, Community Development Block Grant P m (CDBG) Reference 24 CFR 91.22 Projects planned with all CDBG funds expected to be availab P the year are identified in the Projects Table.The following identifies program income t va for use that is included in projects to be carried out. NO. 1.The total amount of program income that will een received before 0 the start of the next program year and that has not re ammed �� 0 2.The amount of proceeds from sect 08 loan guars ill be // used during the year to address the eds and spe" /objectives identified in the grantee's strategic pla*JR �//h ///'00 3.The amount of surplus funds from urbeneements / r 0 4.The amount of an ran s returned he line �� "it tor the 0 planned use has not b i n a riorl eme pj// 5.The amount of in ; rom f nded ac �� ////% 0 Total Program Incom ///////j �� / 0 G Keqcements 1.Th un j 0 HOME I ° stment Partnership Program HOME ( ) p g ference 24 CFR 91.220(I)(2) 1. A description of oth�' , Vestment being used beyond those identified in Section 92.205 is as follows: % � The City of Oshkosh does not receive HOME funds. 2. A description of the guidelines that will be used for resale or recapture of HOME funds when used for homebuyer activities as required in 92.254, is as follows: The City of Oshkosh does not receive HOME funds. Annual Action Plan 39 OMB Control No:2506-0117(exp.06/30/2018) 3. A description of the guidelines for resale or recapture that ensures the affordability of units acquired with HOME funds? See 24 CFR 92.254(a)(4) are as follows: The City of Oshkosh does not receive HOME funds. 4. Plans for using HOME funds to refinance existing debt secured by multifamily housing that is rehabilitated with HOME funds along with a description of the refinancing guidelines required that will be used under 24 CFR 92.206(b), are as follows: The City of Oshkosh does not receive HOME funds. o i M o � ai i mom Annual Action Plan 40 OMB Control No:2506-0117(exp.06/30/2018) ATTACHMENTS sue/ Annual Action Plan 41 OMB Control No:2506-0117(exp.06/30/2018) EXHIBIT A Citizen Participation Comments � M o j ar, /M� i j Annual Action Plan 42 OMB Control No:2506-0117(exp.06/30/2018) SIGN IN SHEET PUBLIC HEARING May 16,2019 2019 CDBG ANNUAL ACTION PLAN 5:00 PM Oshkosh City Hall,Room 203 (PLEASE PRINT LEGIBLY) NAME ADDRESS PHONE OR EMAIL EXCERPT FROM PLAN COMMISSION MINUTES May 21,2019 PRESENT: Thomas Fojtik, Michael Ford, Derek Groth,John Hinz,John Kiefer, Andrew Mott, Lori Palmeri, Thomas Perry, Kathleen Propp, Robert Vajgrt EXCUSED: Ed Bowen STAFF: Darryn Burich, Planning Director;Kelly Nieforth, Economic Development Services Manager; Amy VandenHogen, Assistant City Attorney;Justin Gierach, Engineering Division Manager/City Engineer; Mark Lyons, Principal Planner;Jeff Nau, Associate Planner; Brian Slusarek, Assistant Planner; Steven Wiley, Assistant Planner; Mina Kuss, Recording Secretary Chairperson Fojtik called the meeting to order at 4:00 pm. Roll call was taken and a quorum declared present. The minutes of May 7, 2019 were approved as presented. (HinzNajgrt) VIII. REVIEW 2019 ANNUAL ACTION PLAN,COMMUNITY DEVELOPMENT BLOCK GRANT PROGRAM Staff report accepted as part of the record. Darlene Brandt, Oshkosh Grants Coordinator, presented the item and explained the objectives of the program. Annually, the City prepares and submits to the US Department of Housing and Urban Development(HUD), an Action Plan to demonstrate how estimated federal CDBG funds will be spent. The 2019 Program Year begins May 1, 2019 and will end April 30, 2020. The 2019 allocation is$835,154. As proposed, the 2019 allocation and carry over funds from the 2018 program year, over 70%of CDBG funds will benefit low to moderate income (LMI) persons during the program year. Public Service applications (via the Consortium) are currently being accepted by the City and will be reviewed by a committee consisting of representatives from Oshkosh Area United Way, Oshkosh Area Community Foundation, and the City of Oshkosh. Staff is recommending that the City allocate $117,000 for public service activities/programs; $335,154 for the Housing Improvement Program; $300,000 to Central City Redevelopment for slum and blight removal and$83,000 for Administration&Fair Housing. Prior to Council consideration, the Action Plan is reviewed by the Plan Commission for consistency with the City's 2005-2025 Comprehensive Plan, Comprehensive Plan Update 2040, official maps, and other planned activities of the City. Ms. Palmeri left at 6:00 pm. Plan Commission Minutes 1 May 21,2019 Mr. Fojtik opened technical questions to staff. There were no technical questions on this item. Mr. Fojtik asked if there were any public comments. There were no public comments on this item. Mr. Fojtik closed public comments. Motion by Ford to adopt the findings and recommendation as stated in the staff report and that the proposed 2019 CDBG Action Plan is consistent with the City's 2005-2025 Comprehensive Plan, Comprehensive Plan Update 2040, official maps, and other planned activities of the City. Seconded by Hinz. Mr. Fojtik asked if there was any discussion about the motion. There was no discussion on the motion. Motion carried 5-0-2 (Abstain:Fojtik and Perry). Plan Commission Minutes 2 May 21,2019 EXHIBIT B - LMI CENSUS TRACTS & BLOCK GROUPS 4 � y ! �srvm7m RIM, EmilX � ' °'m ci,"" ;°,.,�,✓�r,�"� „,,,, Census r i awu � mMmm muwv�amur�rr r wu tlmmov rxr� 4 r, Ir2r ,m uumv rmm, Im C�N'U Trad W / / amrr o rRrs r4'N "�I�'IIPYs'�O7M®4 mwrvam�r�� w � `-.�" �If�'�I����� Tract ri 9 4 onsu i ®17 ,rda /�i rro�rmirrvp," TAr erly'rpt � �10v'���'4,r r o, ., ,.r� �ummemn ,� �' m .°, � �,ii f r ii r�°""��� � :,� "� r"„"'rvimw�gnru!♦o'�j��.,;y l I9,0. ' r �i i` bra,l ' It'll N, m p rvvl� Itn r�' � f �/���r � �` � riri� � � � r °r , I° r �,: w �n v �urvi��➢ 6 iunm�n eau � � `�« ✓,',..w � �,.i i � /�j f� � � ,,., � .fin Z�� 'r� �a—gNCensus 'MV.. Tract N r ✓�� ye" f t / °�� �� 1,... 1 ,�( r- ,.CIVI`' qFu ,d Y t IBM .i N 1 � � � awrumiw' Try 2 v � A 1 r rk iu 9 '(r;,pfc r I m„ m r, a umum:nlcra iwurrry�.rr I u r 1�C qm iwmaw i �J,� �.l j ii�, fi I! m m M!�YmlwbJr;, 4r hio'AP 2 7� r°✓i//r i?I r, � r,.� I "q°r,9 ,::y,;,, m"r r r , G ,��� i� rrrrr,r. r�w<�.. ., �hrr,�� r.:,, -�"�-r�.. r? r � ��:�� ��,� � n,�;, � ���„�,N � � I��� �~m � ��,�,� TO k urtor tl,, ✓ � � r4.l�r �" f" �^w ' onsgd +ii �I��H IQ:�� ' Iml Ilkf VI.fIWN��I 0111iMAfFW�yIIM�A � �' ,„y ,.. 0r mn',:amrwrur �rnniuvmirimm.muriw mino'm�. 'Ni � ...... ��i rm s .r r m yi/ b (,,r 41' (1H i' //� �m r ommrr�:,uuxiim uwv ". 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P::yyr wi v r �u i r p I ,b °::� Y� r ,�✓ ��+� ��V�r,� ;� tli�dn�i� � �I ..��I�UWI�YInUN11UIIVIVIIUIIVIV11UI1VIV11UIIVIVIIUIV �I U r ' I v vvvvvvvv uuuuuu vvvvvly vv uuBvvvv% 'u i� ........,... �' P rrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr olrl I � r I 4 t I , 3 r � P , urial IIIII u,pNlrr �y� f I � I f r Illw�l I I V r , r II + Y w._, III 1uuuuuuuuuuiuuuuuuu ���� ���� r r Y � r III v��� r ^"y 2u4 ay I uuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuum ri I � ,vl VII III III i IIII VI � IIII uuu�l u�VV VVV VV V„V„V„„�������luuu�ufu uVY ...III ...III IIIVIIIIIV i� e.,. ,�:1: y; A€,D a, ., t,'� "1#t ,,� ,.r2� ,.�h,, u., .w E' ii.•�, ,.')" a,,, b';4;,,,, ,,,�,,,-r.r 4. i1Y „ r; ,"V ,. ,i o,.., Grantee Unique Appendices � M o i i j Annual Action Plan 45 OMB Control No:2506-0117(exp.06/30/2018) CITY OF OSHKOSH 2013 ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Vel Oft i j Annual Action Plan 46 OMB Control No:2506-0117(exp.06/30/2018) City of Oshkosh Winnebago County, Wisconsin Analysis of Impediments to Fair Housing Choice J ' w �a 11 x P — Accepted and Approved: March 12, 2013 Prepared by: MSA Professional Services, Inc. with assistance from the City of Oshkosh Department of Community Development CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Table of Contents I. Executive Summary .....................................................................................................................1 I.1. Purpose..................................................................................................................................1 I.2. Overview of Study ................................................................................................................1 I.3. Impediments to Fair Housing Choice in the City of Oshkosh, WI.......................................1 I.4. Summary of Actions..............................................................................................................1 II. Introduction.................................................................................................................................3 III. Oshkosh Background Information.............................................................................................7 III.1. A word of caution about the data........................................................................................7 III.2. Demographics.....................................................................................................................8 III.3. Income and Poverty..........................................................................................................14 III.4. Economic Background .....................................................................................................21 III.5. Transportation Options and Commute .............................................................................22 Transit....................................................................................................................................22 III.6. Housing Stock...................................................................................................................24 III.7. Housing Affordability.......................................................................................................31 FairMarket Rents..................................................................................................................31 GrossRent .............................................................................................................................32 CostBurden...........................................................................................................................33 Taxes......................................................................................................................................33 III.8. Mortgage/Loan and Foreclosure Information...................................................................35 IV. Fair Housing Profile................................................................................................................40 IV.1. Fair Housing Programs and Activities .............................................................................40 Overview ...............................................................................................................................40 EducationEfforts...................................................................................................................40 CDBGProgram .....................................................................................................................40 Oshkosh/Winnebago County Housing Authority..................................................................43 Determination of Unlawful Segregation................................................................................46 Minimum Housing Code and Residential Rental Inspection ................................................46 ZoningCode..........................................................................................................................46 IV.2. Fair Housing Complaints and Discrimination Suits.........................................................47 City of Oshkosh Fair Housing Complaint Process................................................................47 Documented Fair Housing Complaints and Discrimination Suits.........................................47 MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE IV.3. Stakeholder Engagement..................................................................................................49 Interview and Focus Group Feedback...................................................................................49 V. Identification of Impediments to Fair Housing Choice and Recommended Municipal Activities to Alleviate Impediments..............................................................................................52 V.1. Administrative Impediments (Public and Private) ............................................................52 Poor Understanding of Fair Housing Rights and Complaint Procedures..............................52 Inadequate Support for Non-English Speaking Residents ....................................................52 V.2. Regulatory Impediments (Public)......................................................................................53 Misleading Fair Housing Ordinance......................................................................................53 V.3. Quality Impediments (Private) ..........................................................................................53 Poor Condition of Housing Stock..........................................................................................53 VA. Supply Impediments (Private)...........................................................................................53 Inadequate Supply of Appropriate Housing for Residents with Disabilities.........................53 V.5. Transportation Impediments (Public)................................................................................54 Lack of Adequate Transportation Options in Some Parts of the City...................................54 V.6. Financial Impediments (Private)........................................................................................54 Lack of Loans to Minorities ..................................................................................................54 VI. Appendices..............................................................................................................................55 Table of Tables Table II-1: Summary of Protected Classes......................................................................................4 Table III-1: Percent of Population with a Disability .....................................................................12 Table III-2: Income and Poverty Trends within the City of Oshkosh...........................................17 Table III-3: Largest Employers in the City of Oshkosh................................................................21 Table III-4: Group Quarters Population by Group Quarters Type................................................25 Table III-5: HUD Fair Market Rent ..............................................................................................32 Table III-6: Selected Home Costs as a Percentage of Income ......................................................33 Table IV-1: Fair Housing and Housing Rehabilitation funding by the City of Oshkosh (2007- 2012)..................................................................................................................................40 Table IV-2: Fair Housing Complaints Received by the City of Oshkosh (2006-2011)................48 Table IV-3: Winnebago County Fair Housing Complaints-Wisconsin Equal Rights Division, 2005-2011 ..........................................................................................................................48 Table of Figures Figure III-1: Population Density by Census Tract...........................................................................9 Figure III-2: Population by Race...................................................................................................10 Figure III-3: Minority Concentration by Census Tract .................................................................11 Figure III-4: Percent of Population over age 65 by Census Tract.................................................13 Figure III-5: Median Income in the Past 12 Months (in 2011 Inflation-Adjusted Dollars)..........14 MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure III-6: Median Household Income by Census Tract............................................................14 Figure III-7: Map of Median Household Income by Census Tract...............................................15 Figure III-8: 80% or Less of City Median Income by Census Tract.............................................16 Figure III-9: Poverty Status in the Past 12 Months .......................................................................17 Figure III-10: Percent of Persons below Poverty by Census Tract ...............................................18 Figure III-11: Social Security, Food Stamps and Supplemental Security by Census Tract..........19 Figure III-12: Selected Characteristics of People at Specific Levels of Poverty ..........................20 Figure III-13: Unemployment Rates 2006-2011 ...........................................................................21 Figure III-14: Travel Time to Work..............................................................................................22 Figure III-15: GO Transit Route Map with 2012 Public Housing Sites (yellow dots) and Housing Voucher Recipients (green dots) .......................................................................................23 Figure III-16: Housing Unit Type in the City of Oshkosh(%with Each Number)......................24 Figure III-17: Year Residential Structure Built.............................................................................26 Figure III-18: Median Year Structure Built by Census Tract........................................................26 Figure III-19: Year Built Compared to Median Income by Census Tract.....................................27 Figure III-20: Year Moved to Current Home................................................................................27 Figure III-21: Owner-Occupied vs. Renter Occupied Housing Units...........................................28 Figure III-22: Percentage of Owner-Occupied vs. Renter-Occupied Housing Units by Census Tract...................................................................................................................................28 Figure III-23: Percent Renters by Census Tract............................................................................29 FigureIII-24: Housing Value........................................................................................................30 Figure III-25: Median Value from 1990-2011 ..............................................................................31 Figure III-26: Median Housing Value Compared to Median Year Built by Census Tract...........31 FigureIII-27: Gross Rent ..............................................................................................................32 Figure III-28: Median Gross Rent by Median Income by Census Tract.......................................33 Figure III-29: Oshkosh Property Tax Rate Trends 2005-2011......................................................34 Figure III-30: Comparison of Property Taxes between the City of Oshkosh and Surrounding Municipalities....................................................................................................................34 Figure III-31: Neighborhood Stabilization Score by Census Tract...............................................36 Figure III-32: Geographic Location of Loans ...............................................................................37 Figure III-33: Percentage of Loans Originated by Minority Status...............................................38 Figure III-34: Percent of Minority Population in the Oshkosh-Neenah MSA..............................39 Figure IV-1: Owner-Occupied Rehabilitation Projects.................................................................42 Figure IV-2: Public Housing Units................................................................................................44 Figure IV-3: Housing Voucher Recipients....................................................................................45 MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Mayor & Deputy Mayor Burk Tower Mayor Steve Herman Deputy Mayor Council Members Steve Cummings Council Member Bob Poeschl Council Member Debra Allison-Aasby Council Member Thomas Pech Council Member Jeff Hall Council Member City of Oshkosh Community Development Department Planning Services Division Darryn Bunch Planning Director Robin Leslie Principal Planner David Buck Principal Planner Todd Muehrer Associate Planner Jeff Nan Associate Planner Ken Gresser Housing Rehab Specialist Debbie Foland Office Assistant Elizabeth Shultz Planning Technician A special thank you to all of our focus group participants. MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE (ARCH 1 , 013 RESOLUTION iLUTION (. `ARRIIE,D 770 LOST LAID OJ ER WITHDRAWN PURPOSE., A(I" PT & APPROVE 01 ANALYSIS, Or IMPEDllWNT ro FAIR HOUSINOP CHii I E A AN ELEMENT OF 'THE COMMUNITY DEVELOPMENT'IEI'+JT BLOCK GRANT PROGRAM, INITIATED COMMUNITY DEVELOPMENT WHEREAS, as a community unlity vel pent block grant entitlement community, the 'City of Oshkosh is required, to certify to t'he Lr pert rn nt of Hung and urban Development �HIUD) that it vrriilI affirm tiv ly furthror fair hrn!usln, ;, rand WHEREAS, IVISA Prnfeasion,al Services Inc ,was hired to corn l °te, an An6lysis of limpedirnonts (All) to Fair Housing, Choice and said Al identifies fair housing concerns and impediments, 'nit recommends planning strategies that the City cen undertaRa to further fair how.5irr within The wrrirriiinity. NOW, 1"hllyt"EF"() E BE. IT RESOLVED by the Common Council of the City lolf Oshkosh that the City hereby aukepts,the 2012 to Fair, Housing Choice, as prepared by NISA,Professional Se,;iv ices Inc.. BE IT FURTIwtIER. RESOLVED that the Common Council affirmatively t rthefs fair housing opportunilies within the City it a pfoving the 2Q12 Analysisof 'Implediments, on file at the City for "s Mice, as and elemeint of the Commiunity Development Block Grant Program, and authorizes the proper City officials to notify H D of its acceptance an pprovaL BE IT FILL RTHER RESO LVED that the piroper City^ officials are authorized to take necessary steps W implement the r000mmen!idatiions to address impediments to fair housing in Oshkosh as identifi d ire the Analysis of Impedilmentsto Fair Housing,. Choice,. MSA Professional Services, Inc. IN'�im m imi�'1 i' " um miVm�uuium a um ionm uu im uu umtliuu�im miiVo uu1�. 11,E Purpose The purpose of the Analysis of Impediments to Fair Housing Choice (AI)is to make sure that the City of Oshkosh is working to affirmatively further fair housing. The basic purpose of the Fair Housing Act is to ensure that people are not denied housing opportunities because of their race, color, national origin, religion, sex, disability, or membership of another protected class. Fair housing impediments include actions or conditions that have the effect of unfairly restricting housing choices for people because of their protected class status, whether that effect is intended or unintended. Ultimately, the Al identifies fair housing concerns and develops planning strategies that will be included in overall community planning and development. The Al planning process provides an opportunity to look at the "big picture" in regard to housing, discrimination, and community development issues. 11,2 Overview ofS :m:mmiy In 2012, the City of Oshkosh hired MSA Professional Services to complete an Al for the City. The Al combines data available from a wide variety of sources, including population, demographic, economic and housing data from the US Census, American Community Survey, Home Mortgage Disclosure Act data, and the City of Oshkosh. This data review and analysis was combined with information gathered during a series of focus groups with housing and social service professionals. Both the primary information that was gathered and the secondary data that was analyzed point to a similar set of at-risk groups and possible impediments. 11 3 Impe(Jiments to Fair flousing Choice in the City of Oshkosh, WI Administrative Impediments (Public and Private) • Poor Understanding of Fair Housing Rights and Complaint Procedures • Inadequate Support for Non-English Speaking Residents Regulatory Impediments (Public) • Misleading Fair Housing Ordinance Quality Impediments (Private) • Poor Condition of Housing Stock Supply Impediments (Private) • Inadequate Supply of Appropriate Housing for Residents with Disabilities Transportation Impediments (Public) • Lack of Adequate Transportation Options in Some Parts of the City Financial Impediments (Private) • Lack of Loans to Minorities MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Responsible Actions to alleviate Administrative Impediments Offer more outreach education on fair housing rights and complaints Community Development Dept Continual Revise the City website to make fair housing info easier to find City IT Department Immediate Revise outreach materials to include local examples of illegal discrimination Community Development Dept Short-Term Identify and fund translation services for use by City staff and landlords,etc. Community Development Dept Immediate Include information about translation services in all outreach efforts and Community Development Dept Immediate materials Actions to alleviate Regulatory Impediments Add to City Ordinance section 16 all protected classes identified by the State of Wisconsin,and definitions of each;remove the exemption for City Council Short-Term owner-occupied buildings;consider eliminating the Commission on Equal Opportunities in Housing Actions to alleviate Quality Impediments Create a rental registry program that ensures proactive inspections of units Community Development Dept Short Term for safety and code compliance Enhance landlord and renter education materials and training to Community Development Dept Short Term incorporate information about mold Actions to alleviate Supply Impediments Continue to offer home improvement loansto income-qualified residents Community Development Dept Continual to assist with the cost of accessibility retrofits,and emphasize"visitability" Encourage the development of more units in the City that incorporate Community Development Dept, universal design principles. Create a pamphlet that describes universal Continual Plan Commission,City Council design and identifies design support resources. Offer builder and developer training in universal design techniques and Community Development Dept Annual encourage their application in all new development. Actions to alleviate Financial/Affordability Impediments E, Work with GO Transit to reduce headway on service to tracts 16 and 17 Community Development Dept, Short-Term GO Transit Ensure all new streets are complete streets,and improve pedestrain Community Development Dept, Short-Term connectivity to the north side Engineering Actions to alleviate Financial Impediments Provide more credit and home-buying education to citizens,especially Community Development Dept Continual minority residents Provide education and information for local lenders on predatory lending Community Development Dept Continual practices MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE �Ioo�llili m loo muttim limlioo u� o�uu lionrm um u�mu i�luullim The City of Oshkosh has been an entitlement community of the U.S. Department of Housing and Urban Development(HUD) Community Development Block Grant(CDBG)program since 1974. This means that the city receives federal CDBG program funding on a formula basis annually. HUD requires that entitlement communities prepare a Consolidated Plan every five years. The Plan includes an assessment of community needs and goals for spending CDBG funding to address those needs in the context of CDBG eligible activities. The goals will serve as the criteria against which HUD will evaluate the city's Consolidated Plan and its performance under the Plan. Fair housing is equal opportunity housing. It is the right for all people to obtain housing, of their choice, without discrimination. Provisions to affirmatively further fair housing (AFFH) are fundamental components of the Department of Housing and Urban Development's (HUD) community development and housing programs. These provisions stem from the Fair Housing Act'; a section of which required HUD to administer the department's programs in a manner that fulfills their AFFH obligation. HUD maintains several Community Planning and Development Programs (CDP), though the City of Oshkosh participates in just one -the Community Development Block Grant(CDBG). As recipients of these funds, HUD requires the City of Oshkosh to work to affirmatively further fair housing. Although a grantee's AFFH obligations arise in connection to their receipt of federal funding, the obligations extend to all housing and housing-related activities in the grantee's jurisdictional area whether publically or privately funded. To a large extent, how to fulfill the obligation to AFFH has never been defined statutorily; however, HUD defines it as requiring a grantee to: • Conduct an analysis to identify impediments (Al)to fair housing choice within the jurisdiction • Take appropriate actions to overcome any impediments identified through the analysis • Maintain AFFH records. "rhe core s.onipauuneunu or r our➢ ousitig law is the deuutiibuauun or iiiuepnau aivaacriin itinatIio n. The Fedeurnau CMI Rights Act and Fnaur iva�uu�uunk,,�.u�ronuna�u�vnunu�n�udnllnVi�Vmna��nra�una°una�a.Vdn��n�o Inra�una°una�a°lldn��n�dnrn u„uauuln�aid°Inaau�uVn wwVmau�llmdnu~n do a°llmdnu~dna°unru�uua° that hIist Ncaauiy has Ilneeun used as the reason for discruuvivannauimt These ch arnacterk ics have no rdev aunce as to whether our not as person wwull➢niaak.e na good ueunnaunu or a onieuwwuner. As such,these groups are prauue°ued d'roni houusIi ni discrIiniiunnauiauun under dederna➢,state,and iaua°na➢ imvs. 'Q hese(ur ereunu ieveus or i overunnieunu have aurrereunu sets or protected a°unasses; however, aaui three imvs are nappuucaallsue wwubu it,the c, y or QDsllnud:aush,, Table 11-1 displays the protected classes at federal, state, and local levels. 1 Title VIII of the Civil Rights Act of 1968(also known as the Fair Housing Act)prohibits discrimination in the sale, rental,and financing of dwellings based on race, color, religion,sex,or national original. Title VII has been amended since its original adoption in 1968 to include more protected classes. Refer to www.hud.gov/offices/fheolpr�ogdesc/title8.cfm for other laws which have fair housing components. MSA Professional Services, Inc.am CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE allsllc to•Io Summary ori,rotecte(i c%isscs (42 U.S.0 3602) (Wis. Stat. I06.50(I)) (Sec I6-4(A)) Race ✓ ✓ ✓ Color ✓ ✓ ✓ Religion ✓ ✓ ✓ Sex/Gender ✓ ✓ ✓ National Origin ✓ ✓ ✓ Handicap/Disability ✓ ✓ ✓ Familial Status ✓ ✓ ✓ Sexual Orientation ✓ Marital Status ✓ Ancestry ✓ ✓ Lawful Source of Income ✓ Age ✓ Status as a victim of Domestic abuse,sexual abuse,or stalking (limited protections) ✓ Certain housing types are exempted from discrimination prohibitions underFederal, State and local fair housing laws. Federal Exemptions: • Any single-family house sold or rented by an owner if they do not own more than three single- family houses at one time • Owner-occupied housing, if the building has four or fewer units • Religious organizations can limit the sale, rental or occupancy of dwellings, which it owns or operates for other than a commercial purpose to persons of the same religion, or from giving preference to such persons of the same religion, unless membership in such religion is restricted on account of race, color, or national origin. • Private clubs can limit the rental or occupancy of lodgings which it owns or operates for other than a commercial purpose to its members or from giving preference to its members • Housing primarily intended and operated for older persons, under certain conditions, may be restricted to persons over a certain age • Persons convicted by any court of competent jurisdiction of the illegal manufacture or distribution of a controlled substance State Exemptions: • Housing primarily intended and operated for older persons, under certain conditions, may be restricted to persons over a certain age • A person may exact different or more stringent terms or conditions for financing housing based on the age of the individual applicant for financing if the terms and conditions are reasonably related to the individual applicant • The development of housing designed specifically for person with disabilities and preference in favor of persons with disabilities in relation to such housing • Housing can be restricted from an individual whose tenancy would constitute a direct threat to the safety of other tenants or persons employed on the property or whose tenancy would result in MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE substantial physical damage to the property of others, if the risk of direct threat or damage cannot be eliminated or sufficiently reduced through reasonable accommodations. • A family with "too many" people may be turned away, if a reasonable government requirement limits the number of occupants for the dwelling unit. • Advertisements for a person of the same sex as the individual who seeks a person to share the dwelling unit for which the advertisement or written notice is placed City of Oshkosh Exemptions: • Owner-occupied housing, if the building has four or fewer units • The prohibition of discrimination based on familial status does not apply to housing for older persons Impediments to fair housing choice are defined as: • Direct impediments: any actions, omissions, or decisions taken because of race, color, religion, sex, disability, familial status, national origin, or other protected class which restrict housing choices or the availability of housing choices,and • Indirect impediments: any actions, omissions, or decisions which have this effect Any policies, practices, or procedures that may appear neutral but operate to deny or adversely affect the availability of housing to a person may be considered an impediment. To the best extent possible, the following Analysis of Impediments to Fair Housing Choice defines the existence, nature, extent, and causes of fair housing problems within Oshkosh, and the resources available to solve them. It is the goal of this document and the process by which it was created to identify any issues within the City of Oshkosh that are preventing persons from having access to housing of their choice without illegal discrimination. 2 Note that the exemption for owner-occupied buildings with four or fewer units is not consistent with State law. MSA Professional Services, Inc.MM CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE This page intentionally blank MSA Professional Services, Inc. • �IIIIII"°IIIII I I!.la,''° CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE puu (III IIIII IIIIII III uIIIIIO IIIII IIIII IIIII IIIII IIIII IIIIII IIIIIII IIIII IIIII Illlllllln(IIIIIII IIIII IIIII Illll:.Pla The following section summarizes background data for the City of Oshkosh. Much of the data was derived from secondary sources, consisting primarily of the U.S. Census and the American Community Survey. 111II II A or(I olf caution alhou1: the data Caution should be used when interpretingII "'" Iiiiooilouo�illi��uuu " thedata from secondary sources. The United States has transitionedfrom the Census long- form to the American Community Survey (ACS). The majority of the data that the American Community Survey collects is from a sample of the total population; and therefore, is subject to both sampling errors (deviations from the true population) and non-sampling ° errors (human and processing errors). The ACS is released every year and covers all of �I , the social, economic, housing, and demographic questions that previously were UU uU'i'U IIIII IIIIIII IIIIIII covered by the Census long-form. The 2010 Census only collected data on gender, age, race, ethnicity, relationship, and whether they respondent owned or rented their home. Unlike the Census, which attempts to take a snapshot of the population on April 1st, the ACS provides rolling estimates over a period of 1-5 years, depending on community size. Oshkosh gets one-year estimates. Because the data is "smoothed out" over the time period, it is near impossible to pinpoint specific changes that may have occurred during the time period. The majority of the data in this document is from the ACS 20111-Year Estimate. Because this data is only an estimate, the ACS data may not accurately represent housing conditions within the City, especially at the census tract level. Due to the fundamental differences in data, Census data and ACS data cannot be compared with each other. When comparing ACS data, it is necessary to take the margin of error(MOE)into account. Numbers that may appear to be different may not actually be statistically significantly different. It is important to note the source of any of the data herein and understand the caveats that accompany it.3 While data collection is a necessary part of the process to prepare an Al, it is also important to remember that the Al is meant to be a practical document that identifies impediments to fair housing choice and suggests a systematic plan to remove them. For the most part, the 3For more information on the ACS and how to appropriately interpret the data,visit www.census.gov MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE community is aware of impediments, and those that are not clearly presented in the data will be identified through the focus group process described in a subsequent section of this document. The population in the City of Oshkosh has grown continuously over the last 30 years, with the highest change in population of 14.4%from 1990 to 2000. According to the 2010 census, the population in the City of Oshkosh is 66,083. This is approximately 39.6% of the population of Winnebago County, down from 42.4%in 2000. Percentages of Winnebago County population residing in surrounding municipalities, including Appleton, Neenah, Menasha, and Winneconne, have remained fairly constant over the last 30 years. This indicates a shift in population from the urban core to the suburbs. Figure III-1 (following page)shows the population densityby Census tract for the City of Oshkosh. The most densely populated tract in the City is CT 7 near the University of Wisconsin- Oshkosh. Tracts 1, 2, 5 and 8 are the next most densely populated tracts. MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure 111-4 o 11opuukifl uun➢etisl9y by Ceunsuus"V°u~dud �sh.,� 2 r 18 �if�����✓, �r��Y Y t '� 4 21 ' T 2 Y' {� IJ2 I 39d_ ;r r c 5 ct j j /iir�rrrrr � Source: 2010 U.S. Census Figure III-2 tracks the racial mix of the City of Oshkosh over the past 20 years. As the overall population grows, the percentage of the population that identifies as a minority is also increasing MSA Professional Services, Inc.am CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE (from 3.4%in 1990 to 9.5%in 2010). According to the 2010 Census, the City of Oshkosh is approximately 90.5%White, 3.1%Black, 3.2% Asian, 3.2% Other, and 2.7%Hispanic.Hispanic persons can be of any race. Those identifying as "Other" are the fastest growing group (from 0.88%in 1990 to 3.2%in 2010), with those identifying as Hispanic are the second fastest growing group. Hmong and Laotian accounted for 2.4% (1493) of Oshkosh's total estimated population in 2000 (from "The Remaking of a City: Oshkosh Wisconsin-Revised/Updated by Al Felice 11/16/10 http://diversitycontact.wordpress.com/2010/11/16/the-remaking-of-a-city- oshkosh-wisconsin-revisedupdated/) Figure 111 20 lllopuukifi uun by Race 80000 ... 70000 ... 60000 50000 Hispanic* IN Other 40000 Asian 30000 Black 20000 EWhite 10000 0 ... .... 1990 2000 2010 Source: 2010 Census, City of Oshkosh Compr ehensive Plan *Hispanic can be of any race Figure III-3(following page) shows minority concentration by Census Tract for the City of Oshkosh. As illustrated, the northern two census tracts — 16 and 17 —have a disproportionately high concentration of minority residents, each more than double the 9.5% average minority population. MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure 111.3: Mitiorky Coticeuutu~dufiml by Cetlsuu:s"V°u~act 18 i r/ / r r/ rl , / r i / / l / r / • / f r,r i i / r, r, j/ i r / M i / / r. r / rr / w / / e / /// 1 r r / / r / r r r. eef � F., r // W I ' l 7 ad 15 // / / D i / i Source: 2010 US Census MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Table III-1 shows the percentage of people in the City of Oshkosh with a disability. As might be expected, the age group with the greatest prevalence of disability is those residents aged 65 and older(35%). This data affirms the assumption that it is the elderly population in greatest need of accessible housing. "r2iiI e m..i o i�er.euut or ilopuuki llotl WWI 21 IAS211141ky iiiiiiiii• ' Under 5 years 0.00% 5 to 17 years 5.30% 18 to 64 years 9.60% 65 years or older 38.60% Source:ACS 2011 1-Year Estimate Figure III4(following page)indicates the geographic distribution of residents over age 65. While 12.9% of residents were over age 65 in 2010, there are three tracts where this older population exceeds 20% - CTs 10, 11 and 14. Based on the prevalence of disability in this population, these tracts have an elevated need for disability accommodations. MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure 111-4: i,ercetit or ilopukifimi over age&'.5 Iby Cetisus'"Fract 9. 5% AMR,, li 3 6% I. Source: 2010 US Census IVISA Professional Services, Inc. �Illlli rralllll I I!.la,''° CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE 111-3 In omom an(]. Poverty According to the 2011 American Community Survey, the median household income in the City of Oshkosh was $39,387. While we cannot directly compare ACS data with previous Census data, this does show an increase in household income within the City. Despite this, the median household income in the City is 17.5%less than the median household income in Winnebago County ($47,763) and 22%less than the State of Wisconsin ($50,395).See Figure III-5to see how the City compares with Winnebago County, the State of Wisconsin and the United States. Figure AAA dso Median Income ome uun the Past 12 Months(uun 2011 iund°Vnuflon Adjuusted DauAAn rs) $60,000 $5 0,000 $40,000 $3 0,000 $2 0,000 $10,000 $0 .................. City of Oshkosh Winnebago Wisconsin United States County Source: 2011 ACS I-Year Estimates Figure III-6 andFigure Figure III-7(following page) show that the lowest median incomes are in the central city and the north side. Census Tracts 5 and 7 have the lowest median incomes when compared to the rest of the City. These tracts have a high student population. Figure III-8(page 16) highlights those tracts (2, 5, 7, 17) that have a median income lower than 80% of the City median income. Note that these include a tract on the north side, CT 17, which does not have a large student population. Figure 111- : Median Houusehoki Income by C e nsuus"T'ract $100,000 $90,000 $80,000 E $70,000 0 c $60,000 m $50,000 v $40,000 $30,000 $20,000 $10,000 $0 ... N rv..m.0 a u Ln.ii...^r w r.m.r o u �..rv..N r m rv. ,ry Ln a �o.ii...^ 0 o m r, oo oo oo ti ti ti Census Tract Source: 2006-2010 ACS5-Year Estimate MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE ll"Wwe U to VWp and°1ylledW n HouunVmWd 1uns°o me Ihy A nws"V,u~M / men .' 0 ° 5 i , i u Awe y10 r � 14 $47.275 j jN j j ss .: ... iiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiiir Source: 200612010 American Community Survey MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure 111-8: 0 ,or u.,ess or c,ay me(uduuu uuns.auumme Illy c,N1SUS SO // uluu� III / / �/ I u ullllllllll �� r � v V 15 �uuuuuuum m°il� , w/% uu mqu uui u'uwild Source: 2006-2010 American Community Survey MSA Professional Services, Inc. • CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE According to Figure III-9,the City of Oshkosh has a relatively high percentage of poverty. The number of individuals in the City that are currently below the poverty line is 18.2%; compared to 13.4% of the individuals in Winnebago County, 13.1% of the individuals in Wisconsin, and 15.9% nation-wide. Figure ttt 90 Poverty Status iin the Past 12 Months 20% 18% .......................... 16% 14% 12% 10% 8/o .......................... ................................................ ................................................ ................................................. ........................ 6% 4% 2% 0% CityofOshkosh Winnebago County Wisconsin United States Source: 2011 ACS 1-Year Estimates Approximately 9.7% of the families in the City are below the poverty line, while 8% of the families within the County are below the poverty line, as indicated in Table III-2. "I'abie 111..2: Income and poverty'"i reunats swithiun the(`ity Or Oshkosh EM Em ME Per Capita Income $ 11,843 $ 18,964 $ 20,013 Median Family Income $ 31,773 $ 48,843 $ 54,532 Median Household Income $ 25,168 $ 37,636 $ 39,387 %Individuals Below Poverty Line 12.6% 10.2% 18.2% % Families Below Poverty Line 5.2% 9.7% Source:ACS 2011 1 Year Estimate MSA Professional Services, Inc.Im CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure III-10 shows the percent of persons below the poverty level by Census tract. The two Census Tracts with the greatest percentage of individuals beneath the poverty line are CT 5 and CT 7. Both of the tracts have high student populations. Students often do not have a j ob, but receive money from sources that will not be reflected in the Census (e.g. their parents paying their rent, etc). This does not mean that non-students living in these tracts do not also fall below the poverty line. The next three Census Tracts with the highest percentage of individuals beneath the poverty line are CT 1, CT 2 and CT 17. ➢�iguure AIl 0 7 : i,ercent or ilea so ns ins)o w Poverty by Censuus"V°u~act 80.00% 70.00% 60.00% 50.00% 40.00% 30.00% 20.00% -i N M M I, M M O N M � M O O M c-I c-I c-I c-I c-I c-I c-I c-I c-I 00 00 00 c-I c-I c-I Source 2006-2010 ACS While CT 5 and CT 7 are consistently ranked at the bottom of the City's Census tracts for some income and poverty indicators, it is interesting to look at the percentage of individuals who are receiving food stamps (SNAP benefits) and Supplemental Security Income in other tracts. See Figure III-11: Social Security, Food Stamps and Supplemental Security by Census Tract. MSA Professional Services, Inc.Im CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Food stamp and SSI programs are often used as proxies to measure levels of poverty. As Figure III-I Ishows, the tracts with more than 10%using food stamps include CT 1, CT 2, CT 9, CT 15 and CT 17, suggesting that it is these Census tracts have a high percentage of individuals who are truly struggling with poverty. In contrast, CT 7, which has a reported 70% of residents with income below the poverty level, has less than 3% of residents receiving food stamps, among the lowest in the city. Figure 111.-11: ocil t Security, Mood Stamps and suulpple m e nt2d Security by Ce nsuus"V°ract 45.00 0 40.00 0 35.00 0 30.00% 25.00% 20.00 15.00% 10.00% ........... 5.00% 0.00/o MMM MMM . ,411 M � IAIAIAI �M 0 Percent Receiving Supplemental Securitylncome IN Percent Receiving Food Stamps VPercent Receiving Social Security 11,11,111,111,111,'ll""II'll""II'll",'ll""II'll""II'll",'ll,'ll""II"lll""II'll""II'll",'ll""II'll""II'll",'ll""II'll""II'll",ll,'ll""II"lll""II'll""II'll",'ll""II'll""II'll",'ll""II'll""II'll",ll,'ll""II"lll""II'll""II'll",'ll""II'll""II'll",'ll""II'll""II'll",ll,'ll""II"lll""I'll""I'll",'ll""I'll""I'll",'ll""I'll""I'll"Source.""II'll""2,0l06-"2l01II'Dl""ACSI"ll""I'll""I'll",'ll""I'll""II'll",'ll""II'll""II'll",ll,'ll""II"lll""II'll""II'll",'ll""II'll""II'll",'ll""II'll""II'll",ll,I...........................................................................................................................................................................................................................................................������������� MSA Professional Services, Inc.am CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure III-12 shows the poverty status of specific racial, gender, and household type subsets of the Oshkosh population, with the corresponding statewide data for reference. As expected based on the overall poverty data, each subset of the local population has a higher percentage of people living with poverty than statewide. Consistent with the statewide data, African Americans, Asians, Hispanics, and female-headed households all have notably higher rates of poverty than the community average. These findings indicate that low-income residents of Oshkosh are disproportionately non-white and/or female-led households. As such, they are therefore more likely to experience any negative housing outcomes associated with low incomes than the majority population. Figure 111.42: Sep e°ted Characteristics ristics or i,eor&at specific t.,eveis ori,overty 60.0 0 50.0 0 40.0 0 30.0 0 20.0 0 10.0% ........ ............ ............ ......................... ........... ....... 0.0 0 n O O O O O O Female Male White Black Asian Hispanic Female Head ELessthan 50%poverty level INI Lessthan 100%of poverty level Less than 125%of poverty level y y y o y o 0 * The data is cumulative. Everyone who is less than 50/o is also less than 100/o and less than 125/o Source: 2005-2009 ACS MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE 111111,4 Econornic Ba i roun(:i. While this document focuses primarily on housing trends within the City, it is important to also mention various employment and transportation trends which directly and indirectly affect the ability of all persons to have access to safe, decent, and affordable housing. The State of Wisconsin lost more than 137,000 jobs during the economic downturn that overwhelmed the nation from 2007-2009. Figure III-13 shows the unemployment rate for the Oshkosh—Neenah/Winnebago County MSA has fared better than the State and the nation as a whole. The City of Oshkosh appears to be recovering more quickly than Winnebago County and the State of Wisconsin. Table III-3 shows the largest employers in the City of Oshkosh. The presence of health care, university, and military-contract manufacturing employers on this list is consistent with the relatively low unemployment in the area. Figure 111.43: U neniropfl uynieunt Rates 006-. 011 0 12.0/o 0 Ifffff J)IAIIIIIIIII[IIIIIIIIIIIIIIII[IIII[III""III[IIIIIIIIIIIIIIIIIIII[IIIIIIIUAAJ[I11),1 1 NMI IW0II IIIIW0IW0I NMI II 111 11" wuuuuw 6.0% ������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������������ ��� f 0 0 0 2006 2007 2008 2009 2010 2011 11111111Woshkosh-Neenah/Winnebago County State of Wisconsin ­I,I,I,,Iunited States Source:....Wisconsin ..Department..... .. ......Workforce Development P.....ment...........................................................of TalNe 111.3: L august a nium dyers un t➢me(.,ay Or Oshkosh Dsh)<d:osh Oshkosh Corporation > 1,000 Employees Bemis(all Oshkosh locations) > 1,000 Employees University of Wisconsin Oshkosh > 1,000 Employees Oshkosh Area School District > 1,000 Employees Winnebago County 500-999 Aurora Medical Center&Medical Group 500-999 US Bank 500-999 Miles Kimball Company 500-999 MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Affinity-Mercy Medical Center 500-999 Source: Wisconsin Department of Workforce Development Figure III-14 shows that in general, Oshkosh city residents have a commute that is shorter than the commutes typical to both Winnebago County and the State of Wisconsin. This indicates that there are employment opportunities within the city available to local residents and travel times within the city are relatively short. Figure AAA•A4o 1'rduvet/ .I ullnne to Work 2 5.00% 20.00% 15.00% 10.00% 5.00% 0.00% ' ry �o ,-o ,�o �o ,�o �o ,� ti� "P 3� �o t� eo CPo� INN Wisconsin IN Winnebago County IIIIIIII City of Oshkosh Source: 2011 ACS 1-Year Estimate ulil.s Transportation Options aml Commute mut Because the City of Oshkosh is a relatively small city, the size minimizes the significance of the spatial relationship between resident and job opportunities. Nevertheless, it is imperative that the City continue to provide transportation options, especially for lower income and disabled residents. 1V°m•a n. 1t According to the Oshkosh Transit Development Plan (July 2011), there were 3,217 average daily boardings (ADB). The ADB is down 7.2%from 2004. GO Transit(rebranded in 2012) consists of 9 fixedroutes and 3 schoolroutes offering transportation throughout the area, with most routes operatingMonday through Saturday. Roughly 52% of GO Transit riders use the bus service to get to work or school. MSA Professional Services, Inc.ZM CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE The routes with the highest daily boardings are routes 9 (Ninth Avenue), 6 (UWO/North Sawyer), 2 (Bowen Street) and 4 (North Main). These routes constitute 57.6% of all riders. In 2009, there were 1,077,426 unlinked riders 4. GO Transit also offers paratransit services for individuals with disabilities. Figure III-15shows the GO Transit route map with overlays that include Census Tract outlines, public housing locations, and housing voucher recipient locations. This map shows that 30- minute bus service is available throughout most Census tracts and parts of the City, with the exception of CT 16 and CT 17, and most of the identified low-income housing sites are on or within walking distance of one of the routes. The line that serves CT 16 and CT 17 is the "Neenah" line, offering service between Oshkosh and Neenah. This route does not deviate into the neighborhood from the Jackson St. arterial (except at Logan Drive), and, unlike the other routes, it operates on a 90-minute schedule instead of a 30-minute schedule. Figure III t;:^"so Gt:D"V,u~uuunsut Route IM2ipww ut➢2012 Puulb is I[ouuA ng Mutes(yeRoiw (lots)2i nd IfouuA ng Vouua°imnu~Red pi e nts (green(lots) a ,I"j ^pYttr. Ril 1e,,1M3j gip@ rN DUI g f � 4'I ire b 77 14 I r (� 4 iIle li rl�W r/ �� ulrt� i if P I re C,pi j' ✓ a r ��f�M � & I�! °" J w a t rr i t k tl w ~r u, Illlllllliiilli� ` I Idol ° � �IIIIIIIIIIII illllllllllllllii IIISource: Oshkosh/Winnebago County Housing Authority, GO Transit 4 Unlinked passengers represent the total number of boardings including all transfers on the system. MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE 111,6 flousing Stogy c The Census defines a household as all persons occupying a housing unit whether related or unrelated. A housing unit includes a house, an apartment, a mobile home, a group of rooms, or a single room that is occupied as separate living quarters. Most of the housing stock in the City of Oshkosh(59% of all units)is single-family residential. Forty percent of housing within the City is multi-family, meaning two or more units in the same structure (this includes duplex houses). One percent of the housing stock is mobile homes. See Figure III-16 for a graphic breakdown of housing unit types in the City of Oshkosh. Figure 111 16:ffoiAung U nub"i'yp in t➢,e(.,ay aud'Osimidosh(%w4h a+;2ich Number) Mobile Home or Trailer 1% IIIIIIIIIIIIIIIIIIIfII I �� i IIIII�I�I�I�I�I�IIIIII Source: 2011 ACS 1-Year Estimates MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Persons not living in households are classified as living in group quarters. Group quarters include non-institutional settings such as dormitories and institution settings such as prisons. According to the 2010 US Census, 11% of the City's population lived in group quarters. Fifty- four percent of those living in group quarters were institutionalized in correctional facilities for adults and skilled nursing facilities. University housing for students was the largest noninstitutionalized population. Table III-4 shows the breakdown of group quarters in the City of Oshkosh. 1'2ilfle 111 : Group Qwlrters Ilopuklfi uun by Group Qwlrte s Type 11 1 ' I I I I r I Correctional Facilities for Adults 2,888 71% Nursing facilities/Skilled-Nursing Facilities 974 24% Other Institutional Facilities 194 5% College/University Student Housing 3,195 92% Other NoninstitutionalizedFacilitiess 269 1 80/0 1 i P I 110 Source: 2011 ACS 1-Year Estimates Figure III-17 shows that a substantial portion of the housing stock in Oshkosh was built before World War 11 - almost 30% of the housing was built before 1939. Older housing is in many cases affordable as compared to newer construction, but older homes also tend to have higher repair and maintenance costs and also higher energy costs due to inadequate or inefficient building and heating systems. 5 "Other Noninstitutionalized Facilities" include emergency shelters, group homes for adults, residential treatment centers, religious group quarters,and workers; group living quarters. MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure 11147:Year Resideuutiai Structure Buuil9 40.0% 35.0% 30.0% ..... .. 25.0% 20.0% ..... .. 15.0% 10.0% ..... .. 5.0% 0.0% ..i 1939 1940 1950 1960 1970 1980 1990 2000 2005 or to to to to to to to or Earlier 1949 1959 1969 1979 1989 1999 2004 later Source: 2011 ACS]-year estima te Figure III-18 shows the median age of housing stock, by tract. It illustrates a natural pattern of growth and development—tracts with a median build date of 1939 (1, 2, 5, 7, 8, 12, 15) are close to the center of the city, and those with the youngest median build dates are the tracts at the periphery. Figure ii148: Median Year Structure Buuillt 1y Ce nsuus"V,ract 2000 1990 1980 1970 1960 1950 1940 1930 1920 1910 1 3 1 2 3 4 5 7 8 9 R 71 1 1 0 0g 0$ I I I Source. 2006-2010 ACS 5-year estimate Figure III-19 shows that the age of the housing stock has some correlation to the median income in each census tract, consistent with the common trend of higher-income residents choosing to live in newer, larger homes in younger neighborhoods that typically have newer, higher- performing schools. MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure If1.-19:Weill~11umM Commp2tred to lylleallnuun Ins.auumme by("e nsuus"Frild 2000 ........................................................................................................................................................................................................................................................................................................................................................ 100 000 1990 $ 90 000 1980 $80,000 $70,000 $60,000 1960 ...� i� $50,000 1950 m $40,000 ����� ����������������������������������i 1 ������������������ ����������n ������������������� �4i3IIII�� ��„�„�„�������������� ������������������������������������������������������� 1930 ...... $20,000 1920 ...... $10,000 1910 ...... .....m... .....m... ....r.... .....m.... ....m... ....r.... .....r... ....m... ....r.... .....r... ....m... ....r.... ....r... ....m.... ....r.... ....r... ....m.... .....m... ....r... ...... $0 1940 $30,000 ^� '1, `5 R h y0 y'Y ,y'L ,yni yD: ,yh .yFi y1 ygC y�0 yq Median Year Unit Built Median Income ............................................................................................................................Source. 2006.. �0� .�0 .�A� S.. .Y.....� �ar..�estimate ............................................................................................................................� Figure III-20shows that while much of the housing stock is more than 70 years old, most residents have lived in their homes less than 5 years. Figure 111•• 0: Yew-Moved to Current Home 6 0.0% .................................................................................................................................................................................................................................................................................... 5 0.0% ................................................................................................................................................................................................................................................. 40.0% 30.0% 2 0.0% ................................................................................................................................................................................................................................................. 10.0% ..................................................................................................................................................... .0% . M 1969 or 1970 to 1980 to 1990 to 2000 to 2005 or earlier 1979 1989 1999 2004 later ........ Source: :....�201.1..�ACS..]._..Year�Estimates............................................................................. � The City of Oshkosh has a high ratio of renters to home owners. Approximately 44% of occupied housing units in the City were renter-occupied as of the 2010 Census; see Figure III-21. By comparison, approximately 35% of occupied housing units in the United States were renter- occupied that year. MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure 111 21 o t,�'Dnwuner-.0ccuupicd vs. Renter 0ccuulpied Houusiung Units 60.0% 50.0% 40.0% 30.0% 20.0% 0.0% VVVVVVVVVVVVVVVVVVVVVVVVVVV Owner Occupied Renter Occupied Vacant Source: 2011 ACS 1-Year Estima te Figure III-22shows the percentage of owner-occupied housing units vs. renter-occupied housing units per census tract. The tracts with the highest percentage of renter-occupied housing units are tracts 5 (69%) and 7 (88%). The University of Wisconsin-Oshkosh is located in tract 7, at the edge of tract 5, and so these numbers reflect the prevalence of student rentals in these areas.Other tracts with more than 50%rentals include 2, 10, and 11.See Figure III-23(following page)for a map showing the percentage of renters per census tract. Figure 111.•22: Percentage or() wane ()ccuupie(i vs. Renter-. Dccuulpied Housing Units by Census"T'ract % 0 80/° 70/° 60/° 5 0/° 40% 30% 20% 10% [a 0% Rl I I il 1 2 3 4 5 7 8 9 T 1 0 0 0$ I I I IIII',NW% Owner-Occupied III% Renter-Occupied MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Source: 2010 US Census Figure 111-23: Perceunt➢enters by C`etisuus"V°u~act f / .41 / � Y i r 1 i a I I I L, l i � I w t �9 / y l� J r �/ r aI s � r . n / , t I / J r m � I / / r- w i I / n ei�4 II 7. 1 � B / r I i i r � 1 r f t ar r f f ! r ,1 / rr, lr/ , r , i �t.39 n „ rl /r l ry to :ue w — ,: ,,,, �;:s,,:. r.. Ills •.:.�, [;;, n .,ti lllllllll III - r a� BV00000� I h Ip { �l u 3 r a r' r f e / / / / r � r. 42:6595 ra MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Source: 2010 U.S. Census Most of the housing stock in the City of Oshkosh is valued at less than $150,000, as indicated in Figure III-24. Figure III-25 shows that the median value of housing has steadily increased since 1990. Figure III-26 (following page)illustrates the relationship between age and value of housing, indicating that older units tend to be of lower value than more recently constructed units. There is likely a unit size component to this also, as unit square footage increased steadily from the 1940's to the 2000's. Older units, while apparently more affordable, are also less likely to be handicap accessible, more likely to need repairs, and more likely to have poor energy performance. Figure 111.. 4: HauuAung Vahi .................................................................................................................................................................................................................................................................................................................................... 70.0 0 60.0 0 0 40.0 0 III 0 2 0.0% ............................... 10.0 0 0.0% 0 I������������ ������������������� r m r r m r r m Lessthan $50,000to $100,000 to $150,000 to $200,000 to $300,000 to $500,000 to $1,000,000 $50,000 $99,999 $149,999 $199,999 $299,999 $499,999 $999,999 or more IU2011 AC51-Year Estimate IN2000 Census 111111111990 Census Source: OIACS���� ���]-Year Estimate MSA Professional Services, Inc.ZE CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure AAA ,°so Medh ui V2fluue f`ro mro 1990-.2011 $120,000 $100,000 $80,000 $60,000 $40,000 $20,000 $0 ............................. 1990 2000 2011 Source: 1990 Census, 2000 Census, 2011 ACS 1-Year Estimates Figure AAA.. 6: IVIedbuuu IfouuAng V'2duue Cauunnpw-ed to 1VIedbuun Yew-AAuuM by Cetisuus"V°udus.t ...................................................................................................................................................................................................................................................................................................................................................................................................................................................................� 250 000 ........................................................................................................................................................................................................................................................................................................................................................ 2000 1990 200 000 ..................................................................................................................................................................................................................................................... . 1980 1970 e �$150,000 1960 1950 %100,000 .......... ..... ��..............�40.......... .......... .........� ...��� li. 4 1940 1930 1920 $0 1910 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 Median Year Unit Built Median Value ...............................................................................................................................................................................................Source.....�2006-�� ..01.�0.ACS.......................................................................,,..,,........................,,....................................................... 111111.7 flou in ffor(:falbility Fair 1 ark.et lZe t Each year, HUD releases Fair Market Rents (FMR)for metropolitan areas. FMRs are primarily used to determine standard payment amounts for the Housing Choice voucher program (Section 8); however, they can also be an illuminatingmeasure of the affordability of the rental market. FMR must be high enough to permit a selection of units and neighborhoods, but this must be MSA Professional Services, Inc.mm CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE balanced against the need to serve as many low-income families as possible with a fixed program budget.Table III-5shows that the Oshkosh-Neenah metro area is relatively affordable compared to other metro areas in the state. �1'2ullnVn ttt••s"o 111A)hdir Mnu-ket Rent Eau Claire,WI $442 $514 $658 $969 $1,004 $717 Green Bay,W1 $425 $517 $685 $978 $1,005 $722 Oshkosh-Neenah,WI $477 $516 $669 $891 $1,185 $748 Racine,WI $539 $543 $733 $961 $980 $751 Milwaukee-Waukesha- West Allis,WI $535 $659 $828 $1,056 $1,142 $844 Kenosha County,WI $523 $624 $801 $1,163 $1,219 $866 Madison,WI $614 $734 $889 $1,226 $1,366 $966 Source:FY2013 Fair Market Rent Documentation System-HUD Gross lZe t Rent levels are also tracked and reported, using different data and methodology, by the US Census. The 2011 1-Year ACS Estimates show that the majority of rents in the City (54.1%) fall between $500 and $749; see Figure III-27. This is on par with Winnebago County as a whole, indicating that the city is no more or less affordable than the surrounding area. The median rent for Oshkosh of$639 is approximately equal to Winnebago County overall ($636). Figure 111..2: Gross Rent 60.0 50.0 40.0 30.0 20.0 10.0 0.0% Lessthan $200to $300to $500to $750to $1,000to $1,500or $200 $299 $499 $749 $999 $1,499 more N City of Oshkosh IMWinnebago County Source: 2011 ACS 1-Year Estimate Figure III-28 shows gross rents compared to median income by census tract. Census tracts 5 and 7 are noteworthy—they have the highest gross rent and the lowest median income in the City. This likely reflects the fact that student rent is often subsidized by parents, and students are often MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE choosing to share rental units (sometimes beyond the limits of City ordinances)to distribute the cost, allowing property owners to keep the rents high. In contrast, Tract 18.01, which has relatively few rental units (28% of all units) has the lowest gross rent and second highest median income in the City. Figure 111••28o Median Q.,Tross Rent by Median I ncorne by Ce nsuus"V°ract' $900 $100,000 $800 $90,000 $700 $80,000 $600 $70,000 c v $60,000 c $500 m — $400 $50,000 $40,000 v $300 $30,000 $200 $20,000 $100 $10,000 $0 r ,.. I .. $0 ti N M a Ln r\ w m O ti ti t Ln ti � M �. oo oo oo ti ti ti MO11riiIIIIIIIIIIIIMedian Gross Rent Median Income Source: 2006-2010 ACS 5-Year Estimates Cost Burden. n. In general, housing is considered `affordable' if housing costs do not exceed 30% of the household's monthly income. According to the American Community Survey 2011 1-Year Estimates, many of Oshkosh's residents are unable to find housing that meets the `affordable' threshold; see Figure III-6. Specifically, 52.5% of renters and28.3% of home-owners are not meeting the affordability threshold. V'd lWe If 1•too Sekctcd I fo nnc Costs as do percentage or I nco nnc r r a '° ®° a • a r r a '° r r r •° Less than 15% 8.60% Less than 20% 39.0% 15.0%to 19.9% 21.40% 20%to 24.9% 17.4% 20%to 24.9% 9.80% 25%to 29.9% 15.2% 25%to 29.9% 7.70% 30%to 34.9% 9.6% 30%to 34.9% 4.70% 35%or more 18.7% 35%or more 47.80% Not computed 39 Not computed 519 Source: 2011 ACS 1-Year Estimates 'Taxes Tax rates in the City of Oshkosh have increased slightly every year since 2005. Figure III-29 shows that the property tax rate has increase from $21.29 per $1,000 of value in 2005 to $24.85 per $1,000 of value in 2011 for a total increase of$3.56 per $1,000, or a difference of$534 on a home valued at$150,000. MSA Professional Services, Inc.Im CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure 111••29: Oshkosh Ilror)erty Fax Rate"Freunds 20R'5•2011 0.027 0.025 0.023 0.021 0.019 0.017 0.015 2005 2006 2007 2008 2009 2010 2011 Full Value Rate- Gross 0 Full Value Rate- Effective Source: Wisconsin Department of Revenue Taxes in the City of Oshkosh are comparable with surrounding municipalities. Oshkosh pays more in property taxes than the Cities of Appleton (Outagamie County only) and Fond du Lac. The City of Neenah pays roughly the same amount as the City of Oshkosh and Menasha and Omro pay slightly higher taxes than Oshkosh. See Figure III-30. Figure 111..30: CQDnn]�)a~iso n or r,r0[)euty i axes Nnetweelln the(..,`ity or tN)<7iNd.0sh and surrounding mmuVnid'1fOn uties 0.03 0.025 0.02 0.015 0.01 0.005 0 Appleton Menasha Neenah Omro Oshkosh Fond du Lac IN Full Value Rate- Gross INN Full Value Rate- Effective Source: Wisconsin Department of Revenue6 6 The City of Appleton's tax rate is only for the portion of the City in Outagamie County and the City of Menasha's tax rate is only for the portion of the City in Winnebago County. Both cities are in two counties. MSA Professional Services, Inc.Im CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE 111,8 Mortgage/Loan anmil. Foreclosure Information ion It is important to acknowledge the recent and continuing turmoil in real estate and financial markets. While the collapse of the subprime market in 2008was that `straw that broke the camel's back,' the groundwork of the ensuing foreclosure crisis had been brewing for decades. As long ago as when WWII was winding down, there have been patterns of refusing to extend credit to low-income communities, especially communities of color. This practice, known as redlining, opened up the floodgates for high-cost credit institutions to move in and prey upon disadvantaged populations. Today the effects of deregulations, predatory lending, and the subprime meltdown are still a factor as homes are lost to foreclosure. According to the HUD Neighborhood Stabilization Program, Census Tracts 2 and 12 had the greatest need as of the 2n Quarter of 2010, based on HUD's methodology. See Figure III-31for a comparison of foreclosure scores by census tract.Note that these scores are on a scale of 1-20, and the Wisconsin threshold for NSP round 3 funding was a score of 11. Approximately 20% of Wisconsin census tracts were identified as "in need", including none in Oshkosh. However, this this is a factor of the amount of NSP money available. In rounds 1 and 2, more money was available and tracts 1, 2, 4, 5, 12 and 15 were eligible due to their foreclosure risk scores. 7 HUD calculated need for neighborhood stabilization funding based on a formula that incorporated three factors in each census tract:A)Rate of Subprime Loans.This is measured with HMDA data on high cost and high leverage loans made between 2004 and 2007. These data are available at the Census Tract (neighborhood) level. B) Increase in Unemployment Rate between March zoos and March zoio. These data are from the BLS Local Area Unemployment Statistics, at the city and county level. C) Fall in Home Value from Peak to Trough. Home value data at the Metropolitan Area level is available quarterly through March 2010 from the Federal Housing Finance Agency Home Price Index. MSA Professional Services, Inc.Im CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure 111.31: Ndghlborhood SWIIAU21fiotl Score i y C'etisus'"Frild 9 WO 8 7 Z 6 5 4 3 8 2 E .8 1 — 0 4J Z 1 2 3 4 1 7 1 9 10 11 11 13 14 11 11 17 18 19, Ceinsius Tract Source:HUD Neighborhood Stabilization Program, 2010 The Home Mortgage Disclosure Act(HMDA)was enacted by Congress in 1975 and is implemented by the Federal Reserve Board's Regulation. This regulation provides public loan data that can be used to assist in determining whether financial institutions are serving the housing needs of their communities, helping public officials in distributing public-sector investments, and identifying possible discriminatory lending patterns. This regulation applies to certain financial institutions, including banks, savings associations, credit unions, and other mortgage lending institutions. Institutions that meet certain minimum thresholds must disclose data regarding the disposition of applications for mortgage and home improvement loans in addition to data regarding loan originations and purchases. They are required to identify the race, sex, and income of loan applications, as well as the physical location of the subject property in census geography. Appendix C contains complete HMDA data for the City of Oshkosh. For the purpose of this analysis, FA/1DA data was reviewed to identify and evaluate lending practices in relation to income, race, and geographical location. Unfortunately, information on both race and geographical location simultaneously is not provided due to the small sample size at the tract level. While large amounts of data are available and extensive analyses are possible, for the purpose of this analysis it is important to identify trends that may be affecting the City's MSA Professional Services, Inc.ZE CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE ability to provide fair housing to all its residents. This analysis focuses on loans for 1-4 unit residences. Figure If 1-3 o Q.,Teog nu)Hc i.,auc2au on or a,aunuuns ...................................................................................................................� 7 0 0 ..l................................................................................................................................................................................................................................................................................................................................................................................................................� 6 0 0 ...................................................................................................................................................................................................................................................................................................................................................................................................................� 5 0 0 ...............................................................................................................................................................................................................................................................................................................................................................................� d t 0400 .............................................................................................................................................................................................................................................................................................................................................................................. 99 O 6 u N 2 0 0 ...............................................................................................................................................................................................................................................................................................................................................................................� 100 ................ .... 0 mm°...ur..1L....ur...1.1111111111L..........A........ur.. .....ur...11...rt..........�� mmn.........IIII.,............011 morn...ur..����ll....... ............iL............ ............. ........ b"',"...I 11111.11 1 2 3 4 5 7 8 9 10 11 12 13 14 15 16 17 18 19 Census Tract MHome Purchase IERefinancings IIIIIIIHome Improvement Source:HMDA Data, 2011...........(Aggregate ..................re............ato Table l SS S ) Figure III-32shows that the most prevalent loan throughout the City is a refinancing loan. In particular, Census Tracts 18 and 19 have the highest number of refinancing loans. Census Tracts 14, 18 and 19 have the most home purchase loans(this includes both conventional loans and FHA, FSA/RHS & VAloans). There are not very many home improvement loans anywhere in the City,indicating that either the money or the will to fix up the aging housing stock is not available. Figure III-33indicates the percentage of all conventional home loansthat originated to minority applicants in the Oshkosh metro area in 2011. The intent of this analysis is to consider how this outcome compares to the size of these populations in the area, and Figure III-34(following page) provides that point of reference. The largest minority groups in the area are Asians (-2.4% of the total population), African Americans (-1.9%) and people of mixed race (-1.6%). By comparison, the percentages of loans originated to these minority groups in 2011ranges from 0% to just over 2%within each of the income ranges shown. Given the small sample size, there is ample opportunity for minor data errors to have a large effect on these outcomes. With that caveat in mind, it does appear that minorities are somewhat less likely to secure home loans in the area than white residents. The most notable observation is the complete lack of loans to African Americans in all but the highest of the income ranges, and this is noteworthy especially MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE because of the disproportionate percentage of low-income residents that are African American (see Figure III-12). This lack of loans originated suggests lesser access to capital to enable home ownership, but it is not possible to identify the cause from this data. A review of the data in HMDA Aggregate Table 5-2 (see Appendix Q confirms that there were also very few applications for loans, mitigating the concern that African Americans are applying for loans but being turned down. Figure If1.33: Percentage or i.,oa ns()rigiunate(i Ik)y minority status 6% 5% 4% 3% 2% 1% .... IILI.. Less than 50%of 50%-79%of 80%-99%of 100%-119%of 120%orMoreof MSA/MD MSA/MD MSA/MD MSA/MD MSA/MD Median Median Median Median Median VlAmerican Indian/Alaska Native 0 Asian Black or African American E Native Hawaiian/Other Pacific Island Two or More Minority Races EJoint(White Minority Race) Race not Available Source:HMDA Data, 2011 Aggregate Table 5-2 MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure If1..34: i,er.eunt or minority 11opuuiatio n in the Oshkoslln..Neeunah MS 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% .............................. mmmmmmmm Percent of Population VIUUV American Indian/Alaska Native EAsian IIIIIIIIIIII Black or African American E Native Hawaiian/Other Pacific Island HE Two or More Minority Races 1111111111111 Race not Available 11 Joint(White Minority Race) Source: 2011 ACS 1-Year Estima te When examining the rest of the HMDA data, there are several other trends which indicate that minority and low-income persons are struggling to secure credit: • Minorities are more likely to apply for loans through Fannie Mae, Ginnie Mae, Freddie Mac,than they are to apply through commercial banks, savings banks, insurance companies, mortgage banks or finance companies (See HDMA Aggregate Table 3-1 in the Appendix Q. • When examining conventional loan applications in 2011,there were a total of 1,267 applicants, of which only 12% were minority races. Only 13% of the conventional loans applied for were by Hispanics.Roughly 72% of those loans were originated (See HDMA Aggregate Table 4-2 in Appendix Q. MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE IIIII IIIII 10,11 IIIII III II IIIII Illhhlll IIIII IIIII IIIII IIIII IIII IIIII Illlh I n III IIIII IIIII�.aiw IV 1 Fair floIu ing Prograrns and Activities Overview Fair housing activities in Oshkosh are coordinated by the Planning Services Division of the Community Development Department. Planning Services staff manage the Community Development Block Grant(CDBG)program, including: • Planning and reporting activities required as a condition of CDBG funding (including this study), • Distribution of funds to various entities that support neighborhood, housing and low to moderate income needs in the community; and • Distribution of funds directly to property owners through the Housing Rehabilitation Loan Program Over the past six years, CDBG funds have been utilized for two primary purposes: fair housing education and housing rehabilitation rai[)<e I 4 o u'2dr I uauuuA ng and I fouusuung RehallAht'nutk o n ruuun(uung Illy tV,e c>l9y or Oshkosh( ()O,7r-.201 ) 2007 $10,000.00 $ 355,132.00 $ 365,132.00 2008 $ 9,625.00 $ 289,180.00 $ 298,805.00 2009 110,000. 00 $ 287,156.00 $ 297,156.00 2010 $10,000.00 $ 330,397.00 $ 340,397.00 2011 $10,000.00 $ 366,587.00 $ 376,587.00 2012 $10,000.00 $ 436,751.00 $ 446,751.00 Totals $59,625.00 $ 2,065,203.00 $2,124,828.00 Source: City of Oshkosh CAPER Education.lPi'' brt The City outsources most of its outreach and education efforts to the Fair Housing Center of Northeast Wisconsin (FHCNW). FHCNW conducts fair housing presentations (geared toward residents) and training sessions (geared toward housing industry professionals). Both City staff and FHCNW distribute education materials. Housing rights education is also provided by the University of Wisconsin Extension. The Winnebago County Extension office offers the Rent Smart program, which was most recently conducted in September 2012 in the City of Menasha. Fair housing rights and the complaint process were one aspect of this two-part class conducted over two nights. CDBG Prograrn Each year, the City of Oshkosh prepares an Action Plan for its usage of Community Development Block Grant(CDBG) allocations for the U.S. Department of Housing and Urban Development(HUD). The City also prepares a 5-Year Consolidated Plan to identify needs over a period of time. Assistance is directed primarily to census tracts with high rates of low-to- MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE moderate-income (LMI). Most of these LMI tracts are located within the oldest areas of the central city. The City's current 5-Year Consolidated Plan (2010-2014)identifies three types of priority areas to allocate funding. These priority areas are as follows: Priority I Areas include the"Near East Neighborhood," the `Broad/Bay Area Neighborhood," the"North Campus Neighborhood" and the "Near Southside Neighborhoods." These neighborhoods have the following characteristics. • Higher renter-occupied rates than the rest of the City. • High percentage of homes built before 1940 with median year structures lower than the City's median year structure of 1959. • The median value of owner-occupied units ranges from 4%to 28% lower than the City's overall median value of$85,500. Priority 2 Areas includes a significant portion of the City's central area including Census Tracts 5, 7 and 12 as well as portions of Tracts 2, 4, 8, 9 and 15. These areas have the following characteristics. • Higher renter-occupied rates than the rest of the City. • Almost all of the housing stock in the area was constructed before the citywide median year of 1959. • The median value of owner-occupied units ranges from 4% to 28% lower the City's overall median value of$85,500. • Most of the streets in this area are in need of major road repair. Priority 3 Areas are located on the periphery of the Central City. These areas have been identified as areas that will need attention in the future (20 years) as the housing stock and community facilities age. These areas have the following characteristics: • Percentage of homes built before 1940 is higher than the overall percentage. • In general, structures are younger than the median year that houses were constructed in the City (1959). • Median housing values range from 8% -30%lower than the City's overall median value. Funds spent in these priority areas are used for single/multi-family unit rehabilitation, homeownership assistance and preservation of historic residential structures. Additionally, public infrastructure projects are funded in the priority areas including neighborhood revitalization, redevelopment, streetscaping, community policing, landlord/tenant training programs and other community facilities and programs. Figure W-1(following page) shows the distribution of owner-occupied housing rehabilitation projects funded by the City of Oshkosh using CDBG funds between 2006 and 2012, as reported by the City. MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure IV-4: Ow ne OccuurAed a Tehalluullubdutuo n Projects 15 m. 9 / )IIII // III III Sul I�. I V II I'I / / o �irll I I I �� I i a III I N II )III I II 2 Pr III 4 I i ulu � 0 q l I I uu II I I I g / i / / / / / / J Ck 4 Source: City of Oshkosh MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Oshko 1 / inn. bago Counly 11ou ilrug Authority The Oshkosh/Winnebago County Housing Authority provides housing to LMI residents of the City/County. The Authority maintains over 650 public housing units for families, singles, elderly and disabled persons. The Authority also administers Housing Choice Vouchers (available form HUD), manages 6 group homes, coordinates a family self sufficiency program and facilitates a home ownership program. The mission of the Authority is to"promote and ensure safe, decent, and affordable housing for our participants, as well as provide owners and developers with an opportunity to rehabilitate and develop affordable housing." Figure IV-2(following page) shows the public housing locations managed by the Oshkosh/Winnebago County Housing Authority. Figure IV-3(page 44) shows the distribution of housing vouchers administered by the Authority. As illustrated, these maps are reasonably well distributed across the City. A comparison of these maps with the mapping of minority concentration (Figure III-3, page 11) and census tract income (Figure III-7, page 15)reveals no clear relationship between unit location and the median income or racial makeup of the surrounding area. This is a positive finding, as HUD requirements for the siting of public housing units specifically seek to avoid siting decisions that segregate minority populations (see 24 CFR §§ 1.4(b)(1)(111) and 1.4(b)(3)). Instead, as illustrated in Figure III-15 (page 23), there is a spatial correlation between unit location and transit routes, such that most units are within walking distance of a bus route. MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE a" guuu~r QV o Puulku k thuu A ng U nUs 15 r ,r. m / Q r „j. u � r I, I 0 I I� I. III J hlll " I a I I II III A C' i 5 I ...III I .s F / / / j j / / / r, r / / a� Source: Oshkosh/Winnebago County Housing Authority MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Figure QV••3: ffouAiig Voucher a2ea°up etits 40 IN 4 �i 8 1 �n� N� III u I / a 1 1 r� a 15 �l i / 19 j / i i �r 1, "►"� '��.,� � . Source: Oshkosh/Winnebago Housing Authority MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE D terrinination.oftlnla ful. Segregation. Large-scale examples of segregated housing do not appear to exist in Oshkosh. No other determinations of unlawful segregation or other housing discrimination by a court or a finding of noncompliance by HUD under Title VI of the Civil Rights Act of 1964 or Section 504 of the Rehabilitation Act of 1973 or where the Secretary has issued a charge under the Fair Housing act regarding assisted housing have been made in the City of Oshkosh. l ilruirinurn 11ou i g Code and Itesidential. Ite tall. I p c.tuion. The City of Oshkosh has a Minimum Housing Code to prevent the deterioration of residential housing stock and to assure a minimum level of housing standards. Rental and housing inspections and enforcement of the Minimum Housing Code is the responsibility of the Inspection Services Division of the Department of Community Development. The Division will conduct inspections of rental units for tenants at no charge when problems arise. Tenants are advised to work with their landlords to resolve problems prior to inspection. ZoIruilrug Cod The City does not have restrictive zoning regulations that would prohibit housing development. The minimum size for new lots is 7,200 square feet, with a 25-foot setback on the front and rear yards and a 7.5-foot setback on the side yards. Dwelling units must be a minimum of 800 square feet(excluding cellar and attached garage). Undersized lots of record can be developed, generally averaging the setbacks of adjacent properties. In general, there is nothing in the City's zoning code which is a glaring impediment to fair housing by unduly restricting or increasing the cost of housing development. There are, however, several elements of the zoning code of which the City ought to be mindful when updating the Zoning Code: • In all zoning districts, no more than four unrelated persons may live in any single residential unit. This should not become more restrictive. • In the R-IC Single Family Central Residence District, the percent of two family dwelling area permitted in a R-IC Single Family Central Residence District is a maximum of 20 percent of the total land area of any R-IC Single Family Central Residence District completely bounded on all sides by other zoning districts, exclusive of public right-of-ways, as determined by the Department of Community Development. This should not become more restrictive. • Group homes are currently permitted by right in all residential districts. This should not become more restrictive. • The minimum lot or unit sizes should not be increased. • The minimum living area required per person is 150 square feet for the first person and 100 square feet for each additional person. This should not become more restrictive. • The city permits use of manufactured housing meeting the applicable building codes. This type of housing unit can provide a more affordable housing alternative than conventional "stick-built' housing and should not be further restricted. MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE IV 2 Fair 1i-lou ing Complaints ami Discrimination Suits City of 0 lmkosh Fair 11ou ing Co rinplaint prom. As established by City of Oshkosh Ordinances Section 16, the City has a Commission on Equal Opportunity in Housing (Commission). As described, the Commission is responsible for fair housing enforcement, including receiving and investigating complaints, promoting settlement agreements, holding hearings as necessary, recommending enforcement measures, and recommending legislation. In practice, the City has not maintained or utilized this Commission in recent years. Instead, the City has been contracting with The Fair Housing Center of Northeast Wisconsin (FHCNW), which is a satellite office of the Metropolitan Milwaukee Fair Housing Council (Council). FHCNW receives and investigates complaints and promotes settlement agreements as necessary to resolve complaints. Most housing-related complaints begin as phone calls, either to City Hall or directly to FHCNW. Calls to the City are directed to City planning staff. The housing planner answers any questions and determines whether the complaint is a fair housing issue or a legal issue not related to fair housing, and then refers the caller either to Legal Action or to FHCNW. Staff follows up on referrals to FHCNW with a phone call to their staff to notify them of the referral, and FHCNW then attempts to contact the complainant if the person did not contact them. When FHCNW receives a complaint,whether as referral from the City or as a direct contact, the intake process is handled by staff in the Milwaukee office of the Fair Housing Council. The Council begins by interviewing the complainant to confirm that there is a possible violation of fair housing laws and what the violation was, including which protected class was involved. Based on this evaluation they may proceed to a full investigation to make their own determination as to the validity of the complaint, and will then counsel the complainant on their options, including attempts to seek a settlement or file a complaint. If the complainant chooses to file a complaint, it must be submitted in writing and can be submitted by any person having personal knowledge of the facts constituting the alleged discriminatory practice. Complaints must be filed no later than one year from the alleged discriminatory action. Complaints can be filed either with the State of Wisconsin Equal Rights Division, or with the U.S. Department of Housing and Urban Development. The Fair Housing Council helps complainants file their complaint with either entity. Documrin nt d Fair 11ou ing Corinplaints and Di c.ritininatimmn.Suits Section 106.50 of the Wisconsin Statutes prohibits discrimination based on sex, race, color, sexual orientation, disability, religion, national origin, marital status, family status, lawful source of income, age or ancestry and authorizes the Department of Workforce Development-Equal Rights Division to promulgate such rules as are necessary to carry out this section (Wisconsin Administrative Code-Chapter 220-Fair Housing). The law may be enforced either by filing a complaint with the Equal Rights Division within one year of the complaint and going through the administrative hearing process or a civil action may be filed directly in court. There are three layers of fair housing protections in place within the City of Oshkosh: the City, the State of Wisconsin, and the Federal Fair Housing Act. While the protected classes for each MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE layer of law differ slightly, a victim of fair housing discrimination can file a discrimination suit with any (or all) applicable layers of government, however Since the previous City of Oshkosh Analysis of Impediments to Fair Housing adopted in October 2005, 27 fair housing complaints have been documented by the Metropolitan Milwaukee Fair Housing Council (Council). Most of the complaints filed were based on disability. Table IV- categorizes the 27 complaints by the basis of the complainants. TalWe Av..2o F'2dr glatuuAiig Coa iipkfltits gtecOved Illy the c,uy atrOsllnkosh(2006,,2011) Number Percentage Basis of Cases of Cases Disability 13 37.14% Race 7 20.00% Familial Status 6 17.14% Gender 5 14.29% Age 2 5.71% Lawful Source of Income 2 5.71% Source: City of Oshkosh CAPER Since the 2005 Al, there have been a total of eighteen cases filed through the State of Wisconsin. The State of Wisconsin Equal Rights Division (ERD) maintains records of complaints at the County level. ERD reports that between January 1, 2005 and December 312011, there were a total of 18 investigations in Winnebago County. See Table IV- for a breakdown of these fair housing complaints. Tallfle W.-I Whitielbago Couuutty F'2dr Houushig Coa ii[fl2dtits Muss°atu Aii E qw ll alights DuvWoti,20tD;s••20171 Initial Determination-No Probable Cause 8 Initial Determination-Probable Cause 10 Dismissed 3 Private Settlement I Failure to Cooperate/Respondent 2 Withdrawn 2 Not Taken 2 Source: Wisconsin Equal Rights Division For the period 2007-2012, there were a total of six claims filed with the federal Department of Housing and Urban Development(HUD)for Winnebago County. Of the six listed cases, four complaints were based on disability and two were based on race. Three of the six complaints were found to have "no cause" and the other three cases were settled. These claims are recorded on the county-level, so they may have occurred within the City or they may have occurred outside municipal boundaries within the County of Winnebago. MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE See Appendix A for more detailed information about the complaints described above. IV m Stakehokler ]Engagement I titerview and Focus G roup Feedbac.k. As part of the effort to identify and clarify impediments to fair housing in Oshkosh, two focus group discussions were conducted. The following groups were represented in these meetings: Energy Services, Inc., ADVOCAP, NeighborWorks, East Central Wisconsin Regional Planning Commission, Habitat for Humanity of Oshkosh, Red Cross, Fair Housing Center of Northeast Wisconsin, Fair Housing Council (Metro Milwaukee), State Senate, Winnebago County Housing Authority and the City of Oshkosh. The discussion at these meetings is summarized below and organized by topic, including possible impediments to fair housing. Most of these issues are impediments to safe housing in some way, but only a portion are impediments to fair housing choice due to a disproportionate impact on members of a protected class. Those considered to be true impediments to fair housing choice in the City of Oshkosh are italicized. While a reflection only of the opinions of the participants, they are the informed opinions of people who work in and understand housing issues in the City and region. These comments and observations therefore serve as the foundation for many of the recommended action items to improve fair housing choice. Administrative Issues • People don't know what constitutes a valid fair housing complaint, and there is confusion between fair housing law and landlord tenant laws. • Reporting and pursuance of fair housing complaints is low. • People who experience problems with tenant legal rights or fair housing issues tend not to complain or follow through with the process because they fear landlord retaliation or eviction. • There is a need for landlord education, especially for new landlords who are converting foreclosed homes into rental properties and do not know the rules and regulations of fair housing. • There is no rental inspection program or requirement. • Prior City initiatives to improve code compliance seem to have disproportionately affected (required repair spending by) certain disadvantaged populations. • New neighborhood associations are being formed. Minorities are generally unrepresented in these associations, and their interests may not be represented. • Hmong residents seldom file housing-related complaints. Cultural resistance (shame of discrimination), a strong community network and language barriers may explain this. • City housing staff members get requests for translation assistance,but are not sure who to call for assistance. • Landlords may be hesitant to seek translator assistance because they are afraid they will have to pay for it. Regulatory Issues • There is a law in the City that requires a minimum of at least 40 square feet per person per bedroom, landlords sometimes use this to steer families to larger, more expensive units. [The MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE relevant ordinance is 16-36 (A)(1), which in fact requires 150 square feet for the first occupant and 100 square feet for each additional occupant] • Code prohibits temporary wheelchair ramps. [Ordinance 30-35 (B)(5)permits ramps but does not address design standards or provisions for temporary structures. Staff indicated that temporary ramps—without footings—are permitted for up to 180 days.] • Code violations are addressed only in a reactionary way—the City has one inspector who responds to complaints. Should probably have 3. • Group homes are permitted in multiple zoning districts,but are routinely opposed by surrounding residents, especially in more affluent neighborhoods. Concerns include the presence of alcohol and drug addicts, loitering, and traffic. The City is working to address complaints about loitering around the home. Housing Supply Issues • There was concern expressed about a need for more independent living facilities in the City. Housing Quality Issues • The general opinion is that housing stock in the City is not in good shape, especially or mostly in the central neighborhoods. There are too many properties not compliant with current building codes. • Mold is a common issue. People who develop respiratory problems due to mold then find it difficult to find new housing because their efforts are hampered by their physical condition. Quality Issues Specific to Students • There is a lack of quality of rental stock for students. • Students don't know what's legal and what's not about housing standards (e.g. escape route requirements). • City ordinance limits the number of unrelated people living together to four, but students are willing to live with more to a unit and/or in non-legal spaces. Quite often, not all of the tenants have been identified on lease documents. Affordability/Financial Issues • It is hard for low-to-moderate income residents to compete for safe, clean housing. • Habitat for Humanity has a difficult time finding families that are willing to commit the required sweat equity. They are also finding it hard for families to meet today's strict lending requirements, especially due to the prevalence of personal bankruptcies. • Hmong residents have been victimized by predatory lenders and brokers who are prequalifying mortgages without proper resources,and setting them up as a high foreclosure risk. • Handicap-accessible units tend to be newer and more expensive. • Low-income residents with a handicap have few options. • Although most landlords will make reasonable accommodations for people with disabilities, door widths are tough to fix and ramps are too expensive to build. Spatial Issues • Concerns about the Logan Drive area (north end ofdackson Street) were raised. This area,part of census tract 17, includes Section 8 and Section 42 units and has a large supply of handicap- accessible units. There are mobility problems for anyone without a personal vehicle the area does not have sidewalks and the bus only stops every 90 minutes. • The 9th Avenue area has a high number of rental housed owned by small landlords (who tend to be less well informed about tenant rights and fair housing laws). MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE • Neighborhood stability has been a concern in areas of the City that are at least 50% rental. The Broad-Bay areawas identified. Discriminatory Issues • Some owner-occupant landlords may be discriminating against (not renting to) renters with young children. The landlords and renters may not know that this is illegal.[Current City ordinance permits such discrimination in buildings with four or fewer units, but this is not consistent with State law.] • Families with children are treated differently. Shorter leases and lease conditions that are not imposed on others is the most common form of discrimination. • Larger families (e.g. 4 children) are steered from 2-bedroom units to lager units that are too expensive (though not necessarily because the family size would exceed the limits of the City ordinance). • Families are often denied housing in favor of student renters since they are easier to rent to (less complaints from the renters). • Some landlords will request the first and last month's rent as a strategy to turn people away. This is not a legal practice, though there is no specific knowledge of its use against members of a specific protected class. • There have been instances of rental application denials due to the use of unemployment benefits as a stated income. This has become a larger issue over the last few years due to economic conditions. • At least one landlord in the area is known to require a "representative payee"of renters known to be receiving rent money through social security or other public source • Some landlords may be discriminating against potential tenants based on how people sound on the phone. • Observation that banks have been more likely to maintain foreclosed homes in white neighborhoods than in minority and/or low income neighborhoods. • People with certain mental health challenges may"act out" occasionally due to delusions or other forms of psychosis. These can result in complaints from neighbors and possible eviction. • There is one known instance of a wheelchair-bound resident being asked to move for leaving scuff marks in hallways. • Landlords often need to be informed that charges related to battery or domestic abuse are common,because state law requires that someone has to get charged if the police are called. Possible Actions suggested during the Focus Groups • The housing coalition is working on updating the manual for landlord education. • Student legal services could also help implement a landlord education Class. • The City could benefit from builder workshops on universal design. MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE h i 1111I m luu um mu um mu um um um im uofim uu a uu ui mm lim�im iuu lum mu lum mu_� ( 4�n uoo i m o ���� ���� `m umtliuulim um uulfim m uum The data collection and analysis, and the focus groups, revealed both real and perceived impediments to fair housing that could be addressed. This section details the most pervasive and realized impediments to fair housing and outlines recommended municipal activities that will help alleviate these impediments to fair housing. Administrative Im mpem:Jim ment Pm lbli an(] Private) Iloor Understanding ding o lipair Housing Rights and Co rin l int 11rocedures The low numbers of complaints and the focus group discussions strongly reinforce the need for more robust education efforts. There are too many landlords that don't know fair housing law, very few residents that know it, and fear or ignorance of the complaint process among residents. This is having the greatest impact on residents with low incomes or poor credit who are sometimes choosing to live in substandard units because they feel they have no viable alternative.It is imperative that the City actively affirmatively further fair housing and this means making sure that City residents are informed of their fair housing rights and how to file a claim. Suggested Actions: • Offer varied outreach activities throughout the year to reach both landlords and residents. Collaborate with the Housing Coalition and Student Legal Services to co-sponsor and promote outreach events. • Revise the City website to make information about fair housing rights easier to find. Many people do not know that housing discrimination issues are referred to as "fair housing", nor is it intuitive to look for this information under "Planning Services". It is recommended that all housing-related topics currently listed under "Inspection Services" and "Planning Services" be consolidated in some way at a higher level in the directory structure, and "Fair Housing" be revised to "Fair Housing Rights"or similar. • Include more examples of illegal discrimination in outreach activities and materials, especially highlighting situations known to have occurred in Oshkosh. Based on complaints received and the experience of housing-related professionals, examples should be sure to highlight the rights of disabled residents and families with children, and the rights and responsibilities of duplex (or multi-unit) owner-occupants with regard to who they are (and are not) allowed to turn away. Inadequate Support fin-Non English Speaking Residents Staff reported uncertainty regarding who to call for translation assistance. Focus group participants reported landlord uncertainty as well, and resistance to reaching out due to the assumption that they would need to pay for such assistance. Language barriers are a clear impediment to housing choice. Residents who do not speak English are typically immigrants from other countries and are typically non-white, and are therefore protected classes. Suggested Actions: • Identify reliable translation assistance services that can be utilized by City staff and by landlords, realtors, lenders, etc (especially Spanish and Hmong) and establish funding for that assistance as necessary. MSA Professional Services, Inc.ME CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE • Enhance landlord and renter education materials and training to incorporate information about translation services, including cost, and continue to offer fair housing materials in Hmong and Spanish. Regm.mitml:ory Im mpemiim ment Pm lblic) Misleading leading Fair 11ou ing Ordinance inance The City's current Fair Housing ordinance includes an exemption for owner-occupied buildings with four or fewer units. This exemption matches Federal law but is inconsistent with State law, which has no such exemption. Both laws apply in Oshkosh and the exemption should be removed. Also, the City ordinance does not include all of the protected classes identified by state law. While the City has been accurately representing all of the state's protected classes in its fair housing literature, its own ordinance should be updated to match state law, to eliminate any confusion and as a matter of good policy. Finally, the City's ordinance describes the establishment and function Oshkosh Commission on Equal Opportunity in Housing, but in practice there is no functioning commission. There is no requirement to have such a commission. Suggested Actions: • Amend Section 16-4 of the City Municipal Code to incorporate all of the protected classes identified by State Statute 106.5. The amendment should add marital status; sexual orientation; lawful source of income; age; and status as a victim of domestic abuse, sexual abuse, or stalking; and should add definitions for these terms. • Amend Section 16-5 of the City Municipal Code to remove the exemption for owner-occupied dwellings. • Amend Sections 16-3, 16-7 and 16-8 to eliminate the Commission on Equal Opportunity in Housing. mi Quality Im mpemiim ment (Private) lloor Condition ofliou ing Stoc. m There is broad concern about living conditions for those with limited financial means. Many apartments are substandard in some way and protected classes are more likely than others to rent such units and experience poorer living conditions. Suggested Actions: • Create a rental registry program that ensures proactive inspections of units for safety and code compliance. Incorporate fair housing information into the registration materials and process. • Enhance landlord and renter education materials and training to incorporate information about mold, including health risks,prevention, and clean-up resources. Supply Im mpemiim ment (Private) Inadequate Supply of'Appropriate 11ou ing f6r Residents ith Disabilities The greatest number of recorded complaints over the past 5+ years are related to disability. Focus group participants reinforced this finding, reporting limited options for disabled residents, and especially low-income disabled residents because most of the accessible units are newer and MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE more expensive than the older, inaccessible units. This is an impediment that disproportionately affects older residents due to the prevalence of disability among residents over age 65. Suggested Actions: • Continue to offer home improvement loans to income-qualified residents to assist with the cost of accessibility retrofits, and require or encourage that funded projects result in "visitability", which includes a no-step entry, one wheelchair accessible bathroom, and 32" doorways and on the main level. • Encourage the development of more units in the City that incorporate universal design principles. Create a pamphlet that describes universal design, the need for more units that accommodate residents with disabilities,and identifies design support resources. • Work with local developers and builders to offer training in universal design techniques and encourage their application in all new development,not just designated"accessible units". s Transportation Im mlme(Jim m n t Pm lblic) Lac of'A quat 'Tm•aum . poE-tatui.oEm . Options in.Sonne 11arts of the City Alternative transportation resources for residents who cannot drive are generally adequate, with some important exceptions. There are some key streets and neighborhoods that have neither sidewalks nor good bus service. A noteworthy example is the multifamily apartments on Logan Drive, off of North Jackson Street. These units include handicap-accessible units at reasonable prices, but the lack of sidewalks or frequent bus service limits the options for some residents to adequately meet their daily needs. Suggested Actions: • Work with GO Transit to review transit accessibility across the City, and especially in Census Tracts 16 and 17. Evaluate the feasibility of reducing headway on service to northern parts of the city to 30 minutes. • Ensure the provision of complete streets, including safe bike and pedestrian pathways, whenever streets are built or reconstructed. Work with the adjoining town governments and Winnebago County to ensure adequate bike and pedestrian linkages where pockets of Town land remain within the City's growth area, especially to establish connectivity from the north side (tracts 16 and 17)to other parts of the City. 6 11ainancial Im mpemiim men t (Private) Lack.oftoans to Minorities The HDMA data show that minorities, especially African Americans, are less likely to originate a conventional loan. If they secure a loan, it is more likely to be a non-conventional loan. The inability to secure a mortgage, refinance, or home improvement loan is clearly a barrier to housing choice. If this barrier is higher for members of a protected class, it is an impediment that the City should work to eliminate. Suggested Actions: • Provide more credit and home-buying education to citizens, especially minority residents. • Provide education and information for local lenders on predatory lending practices,to ensure that efforts to reduce the racial disparities in loan origination do not have the unintended consequence of increased rates of default and foreclosure among minority borrowers MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE I�00,''W.1 ME!'M"17.11 Appendix A: Fair Housing Complaints As compiled by the City of Oshkosh in the annual CAPER, 2006-2011: 2006 CAPER(excerpt) interacting with tenaints in a, fair and legal manner. Five fair Ihousiing complaint intakes were opened and closed during the pirogiraim year - two on the basis of race and three or the basis of ability/disabihty. 2007 CAPER(excerpt) Activities undewlaken Iby contracted sei-wices - The Fair Hou,sing Center of Nziftheast Wisconsin (FHCNVd) received $10,0010 in 201017CIDEG funds. The IFHCNW is, the luical affiliate afthe, imetropoliitan milwaukee Fair IHousinogl Cotwicil. FIHCNW pirocmssecl 2faiir housing co,implaiints, six intel-agency meetings, 48 community la,ut:m-,eac:hiicontacts, conducted six fair housing presentations reaching 132 Winnebago, Couinty/oshkosh Hausing Authority potential clients and conductedi one semiinar (rental managernent training and Housing Authoi,ity and other non profit starff'training) du,ri ing the program Year. Topics clevered includedt, local, state and Ifederal fair housing Illlaw, contemporary fibirms of discirimination in the hiousing market, remedies available for di scm-firnination and h,,ow colimpl aiiin ts ane, processedlinvestig arted. Of the two faiir housina,cornDialint iirwtakes that were o,Dened and: closed; durjnci, the, pirogram year - one was on thie, basis uof gendler anid one Wais,aini the F6iai!sis of4billity/idlisibifity. 2008 CAPER(excerpt) Acto Obes,uin dpilaken b� contra cted spi-vices - The Fair HOILISi ng Center of Northeast: Wisconsin (FHCNW) received $:4625 in 20108 CDBG funds., The FHCNW is the local affiliate,of the Metropolitan Milviaukee Fair INHouusing COILWICI. FIHC,,NW foitunately did not need to process ainy fair housing complaints but 30 persons received faiir hous].ng refen-al services,for nu,ni-fair housing issues (evictions, lease!!issues,, code violations, 2009 CAPER(excerpt) Activifies,undertaken by contracted services-The Failr Hlous,ing Center of Northeast Wisconsin (FH,CNW) received $10,000 lin 2009 C!O,BG funds. The IFIHICNWa I its the local affiliate of the, Metropolitan Milwaukee, Fair lHolusingl Council. IFHI,CNIW conducted six fair housingi complaints; as follows: PY2, 009 FAIR HOUSING,COMPLAMTS Date Race Sex Nurnber in Income Basis of Farnily Level Coin 131a iil'lit 8125,109 White, Fernale, 2 Low bisability 9,116109 White, Female 1 Low DisabilitylAgle, 11115110 White, Fernale, 4 Ex- Sex, Familial LowlNone Status 314110 Whilte, Ferniale, 6 NIA Familliial Status 1 4114110 1 African Anierican I Fernale, 1 1 Lou I Race, 14116110 1 White, Female 2 NIA Sex 2010 CAPER(excerpt) IVISA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Activities undertaken by contracted services-In 2010„ the Failr Housingi Center of Northeast Wisconsin (FHICNW) received $10,000 iin CDBG funds. FHCNW its the,local affifiale,of the Metropolitan Milwaulkee IFailr Housing Couuicil. IFHICNIW iinvestigated silx(6)fair housingi comiplaints as follows.- PY'2010 FAIR,HOU'S"JING,C,011VIPLAINTS, Date Race Sex Nurn ber lin Incorne Basils,of Family Levdl Complaint 5112or10 African- Male 3 Extremel'' )Race Arnerican Low IIncome 9,128110 Hispanic Fernalle 2 WA Lawfu] Source,of Income 101155110 African- Fernalle 2 Low IInlcome )Race„ American Diis,abilliity '111130110 While, Fernalle 3 None Dils,abilliity, Familial Status,, Sex 2128111 White, Fernalle 3 W Sex, IM,aritall I Statues 3117111 � White, Fernaille 4 W Farnflial Statues 2011 CAPER(excerpt) Actilvities,undertaken by contra.cted services-Iln 2011, the Faiir Hlouisingi Center of Northeast Wisconsin (FHICNW) received $10,000 lin CIDBG fuinds.. FHCNW its the,lo-caI affilliate,of this Metropolitan Milwaukee IFailr Housing Council. IFHICNIW investigated leighit(8)fair housingi complaints as follow&: PY, 2011 FAIR IHOUMNIG,C0,11VIPLAJNTS, Date Race Sex Number iln Incofne Ha its of Family Level) Coniplaint 619111 Whfte, Fernale, 3 NA Race 10112111 Whfte, Fernale, 2 NA Dis,abilliity 1111111 Whfte, Fernale, 2 Lo! Dis,abillity, Familial Statuis, "I 112J1 1 1 African American Male 2 Low Race,,Age, "11114111 Whfte, Fernale, 1 Low Disability 1216111 Whfte, Fernale, 1 Low Disability 2J27112 Whft�e, Fernale, 2 Extremely Lawful)souirc�e,of Low income 412J12 Whfte, Male 1 Extremel Dis,abilliity Low IVISA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE As compiled and reported by the State of Wisconsin Civil Rights Bureau: As Program Supervisor for CiviL Rights I have access to some CiviL Rights case data which maybe what you need. Our records retention are for 6 years after case closure. The numbers below are for Winnebago County and cover the years of January 1, 2005 through December 31, 2011. Winnebago County had a total of 18 investigations with the foLLowing outcomes: Initial Determination - No Probable Cause - B Initial Determination - Probable Cause - 3 Dismissed - FaiLure to Cooperate/Respondent - 2 Dismissed - Withdrawn - 2 Dismissed - Not taken - 2 Dismissed - Private Settlement 1 I hope this information is heLpfuL. Sincerely, Marlene A. Duffield Program Supervisor, CiviL Rights Bureau Investigation Sections Equal Rights Division Department of Workforce Development 201 E. Washington Ave. P.O. Box 7972 Madison, WI 53707-7972 marLene.duffieLaadwd.wisconsin.gov T 608/264-8746 F 608/267-4592 As compiled and reported by HUD, Office of Fair Housing and Equal Opportunity: Cases Received from Oshkosh, WI CY Filing Date Zip Case Completion Number Filed Case Number _ Bases Issues Code Type,Detailed of Filed Cases 380 Discriminatory terms,conditions, privileges,or services and CY2007 05-07-1394-8 8/9/2007 Disability, facilities,500-Failure to 54901 25 No Cause 1 permit reasonable modification,510-Failure to make reasonable accommodation, 380-Discriminatory CY2008 05-08-1163-8 6/6/2008 Race, terms,conditions, 54901 25 No Cause 1 privileges,or services and facilities, 350-Discriminatory 05-09-1314-8 6/18/2009 Race, financing(includes real 25 No Cause 1 CY2009 estate transactions), 430-Otherwise deny or 16 05-10-0265-8 11/23/2009 Disability, make housing 54902 Conciliated/Settled 1 unavailable, 510-Failure to make 16 CY2011 05-12-0294-8 12/15/2011 Disability, reasonable 54901 Conciliated/Settled 1 accommodation, 510-Failure to make 16 CY2012 05-12-0824-8 5/9/2012 Disability, reasonable 54901 Conciliated/Settled 1 accommodation, Total 6 MSA Professional Services, Inc.I= CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Appendix B:Fair Housing Ordinance(Oshkosh Ordinance Chapter 16, Division 2) DIVIS M N'2. FA Ali?H 0 USNG SECTION 116-3 DEFINITIONS (A.) 'Commission" shall mean the Oshkosh Cornmis&ion on Equal Opportunities in Housing and 'Commissioner'shall mean a member thereof. (8) 'Comploinarill"shalt mean any poowri who files a comploiril,with the Qpmrnission pursuant to,this Di"Vi5ion, (C) 'Dl shall mean any building,strudure,or portion thereof which is occuipied as,of clasiginated or intended for occupancy as:,.a residence by l or more families:,.and any vae grit land whh:?l is offered'for sells or lease lby the cpnstfuction or 1pcafion thereon of afly!3ugh building„structure,or portion thereof. (0) "r,omilialstatulsll shall]mean Ono or more iftdividuols latio have riot roaOiled tho ago ll 1$lilving wittl a parent or another person having legal cij:stody of such individuAal or individuals,of the de.5igineel such parent or other person having such custody with the written,permission of such parent or other person. This shall also apply to,anly person who is pregnant of is in the process of socunng legal custody of any iekdividual vAlio,is ribt t 8 years of age, (E) "Handicap"means,with respect to a person, a physical or mental irmpai;rlmernf wwr'hiehi SUbstanfially limits one or more of such plerson's major life activities, a record of such irnpairraent, or being regarded as having such impaijuneirit. (F) "Housing"shall include any room,apartment,house,building ortrailer or structure any part of which is.used or offered for use,for human habitation,on a temporary or pemian-ant basis,or land,whether ,or not vacant. (G) "'Owmer'shall inlidulde a person who has any pan of the fee interest,including a per5onwho has a life estate. (H) `Qwmior occupied dwelling"shall Mean h0iwt-iino in Which the Owner 1heiroof mointaif%hws poi-Mairloot living quarters. W 'Petsors" shall include ang individual, parmairsNp, labor or other association:, corpoialion, legal teprPsentative, recover',trustee:,lewstela in taankxuptoy or l fiduciary, or the lessee,proprietor, manager,erniployee or any other agent of such person. (J) "Respondent'shall mean aiiny,pefson named in any complaint filed,against vvitioirn ain allegation of prohibited disorfirninalory praOire undlef this IDivision, MSA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE 5ECTION 16-4 ACTS PROHIRITFID 8Y THIS VVISION (A) It Shalf Be a Prohibited Discriminatory practice for Any Pet,24)n to:: (1) Dilscriminale in real property transactions. Refuse to sell, lease, sublease, rent or in any other innanner deny,,withhold, or impair the transfer of title„leasehold orany other interest in any pant of any housijag,when such refusal is based upon race,CoOor,sex.religion,ancestry,national origin,famflia�l ttatuT,,or handk.,ap of the person refused. (2) Discirkminale in loindinq rnoney for purchase or irnprovement of Property. Refus;o to lend money,guaranty any Ivan,accopt any mort9sige or in any otbermonnormake available any funds or rewurces for the construction,acquisition,purchase, rehabiNtation, repair or maintenance of any housing when such refusal is based upon race, color, sex, foligion,ancestry, national origin,familial status, or hardicap of the person refused; of, (3) Ditcriminalorily refLJSe to furnish services, Refuse to fugnish for any housing such faciiities or services or�dinarily provided pursuant to legal duty, when such refusal is based upon race, color, sex, religion, ancestry, national origin,familial status, OrharOcap 0 the person refused, (4) To Goeroe,intimidate,threaten,or interfere with any person in the exercise or enjoyment of, of on account of having,exercised or enjoyed,or on aCCOUnt of having aided or encouraged any other,parson,in the Qxonr iso or enjoyrrient of aruy right protected by this Division, (5) For an owner of residential rental property to refuse to permit a handicapped tenant to make reasonable modification,, at the tenant's own expense, of the premises if the (proposed rnodifi,calijoris are necessary fallhig full use of tiie premises by the ldfla#11. (6) Public Communication Ind icating Intent to Violate ParEgraph(A)Above Probibiled It shall be peribibited dis cif i-ninatory peatfice of any piai,sba to print,publish,circulate,issue,display, pc:w, mail or communicate in any otber way any announcement il statement, advertisement, publication or sign,.the import of which indicates a decision or purpose to do any act prohibited under Section(A). (C) Bliblvot-9, r or (1) Nothing in this Division shall The deemed to pro'hibit an owner or the agent from requiring that any person who seeks to buy, rent of tease any housing supply information concerning family, marital.financial Ord busiraoss status, (2) Noftng in this Division shall tie deemed to prohiibit an owner or the agent frorn refusing to sell, font or lease any housing to any pefson on the basis of treatment of any property forrnerly occupied by tVje person or on the basis of thie,person's,roCord in paying rent or other oNigaficina when due, (3) When it is reasainabileto do so, pofmission granted by an owner to permit a liandicapped torkiant, at the toriantls expeniSQ, Id make loaS?nnable jffiodifiqnaliori to a prornises may�Q conditioned upon the renter or Ie.9seF agreeing to restore the Preln`115e5 to the condition That existed prior to the modification, reasonable wear and tear excepted. IVISA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE SECTION 16,5, EXEMPTIONS (A) No pirghibitipri fin this Dryw5iwi shall pipply Wan qfferpr advertisement tQ Da-,p or rent,1prtp the lease or rental of, moms or units, in dvoellings, containing living quarters occupied or intended to be occupied by no ii thain four families lliving iindependently of each other where the owner occupies ,one of the living quarters. (6) The prohibition in this,, division against discrimination basedl on familial status does not apply to housing for older persons. (1) AS used ijfl this subdivision. 'housing for older persons"means housing., (a) Provided under any State of Federal program that is specvficall,y designed and ope fated to assist elderly persons(as defined in the state of fade fal prograft or (b) Inte ri for, ani i occupied by,persons,62 years of age or older;or (C) Into nded and operated foroccui by at least one person 55 years of age or older per unit, Housirig for older persons under this paragraph shell ir�ori at teast the, fPIlgMng factors: I') Significant facilities and SelMli 5perificelly designed to,meat the physical or social needs, of older persons, or if the provision of such facillffies and services is not practic-abile,the provider may demonstrate that such housing is ftecessary to provide intipaiftani hiousing opportunities for older persons; a nid p,li p1 At least 80 percent of the,units are occupied by at least one person 55 years of age or older per a nit-,and 019) The publication of, add adhereoce to, pokoilas add prolooduires whii0h demonstrate an intent by the owner or manager to provide housing for persoris:5:5 years of age or older. (2) Housing shall riot fail to meel the requirements for housijn for older persons by reasons of; (a Persons residing in such(housing as,of the date of enactment of this Ordinance who do not meet the age requiferrients of subpariagra0h (ii or(c)above,provided that new occupants of such housing meet the oqe r"uirements of subparagraph (c) above, (b) Unoccupied units,provided that such units are reserved for Occupancy by persons Who me the age requirements of subparagraph(c)above. .5ECTION 16-6 REPEALED IVISA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE 5ECTION 1115-7 POWER AND DUTMS OF CQUIMIS-51ON The Commission on Equal Opportunity in Housing shall have thefollowirla powers and duties: (A) To adopt, arnend, publish and rescind rules for governing its meetings and hear[ngs,, and for implementation of this DiwistDn. (B) Receive and InvestigateConialads To roceive arid outhorige s toff of all rompi�arjjs allegioq ally disorilldnatory practice prohibited by this Division. (C) Promote Settlement Agreements 71ie CornrniSsion shall seek a settlerneint agreeable to twath�the vamplainaint and the respondent by mean-s of informal conferences. (D) Hearing "To hold hearings, if necessary,after,efforts at sattlernent based on complaints made against any person,to arfminu5ter oattis and take teslimpny,ip compel the pmductiqrl of bootm,5.papers and other documents relafing to army matter involved in the complaint,and to SU biloena witnesses and compel their attendance. ........... To make recommendations for enforcement of 1his Division to the City Attorney. (F) Recornrnond Legislation to Council To recommend to the City Qoun0l any legislation necessary to promote furlitiee the purposes of this Division and to file annual written reports.Df its work with the City Council. SECTION 116-8 ENFORGEMIIENTPROCEDURES (A) gqMplainf Any complaint alleging an,'y cliscriniinatorV practices prohibited by this Mwision shall be reduced to writing and werified by time complainant- Such complaints may be initiated by any person having pefsorkal iknbv.ledge at the facts constituting the afleged discriminatory practice. All 6ornplaints,shall contain the folllowing; (1) The narne and address of the complainant.,and of the person allepcIlydiscriminated against, if different. (2) The name and address of the respondent or respondents. (3) A statarrient setting forth the fads constituting the alleged discriminatory practice, and (4) The date or dates of the alleged discriminatory practice. (a) Where Filed CQrnPl0jnjS $hall be filed with the City Clark who shell transmit the same to the Cqirnrnissiqn ChaiVerson and SecTetary, (C) When Filed ('omplolms alleging arty ditsoriminalory prootim prohil ilvd�y this Omwision,shall be filed no later than 1 year from the termination or occurrence of an alleged discriminatory practice, IVISA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE (D) Notice to Respondent T?10 Coirrinilssio'n Shall provide a copy or the oomplointtothe respondentwiOiiin tern,(10)days or said filing, The respondent shall have ten(10)days after receipt of the comptaint to file a m5ponse with the Commission. (E) Amendment and Wittidiawal A complaint may be amended or withdrawn by the complainant at any time with and subject to the approval of the Commission or its designated agent and under such terms as the agent shall direct. (1) The Chairperson shall direct the Secretary, or the Secretary's designee, to promptly investigate all cluty filed complaints. Within thirty(30)days of such'filing,the Secretary or the Secretary's designee shall 610 a report,of saved investigation with the Commission. (2) Conciliation may The undertaken by the Secretaryor the Secretary's designee who shall fite a report of said conciliation with the Commission- The action authorized by subsection(3) btflow may be delayed, on order at 1Pnia Chairperson, pending a report of such conciliation Whicb shall be filed within sixty(r5Q)days of appointment of the aortdliator, (3) Upon filing the report of the investigation andloir conciliation,and within seventy(70)days of filing of the cornplaiint,the Cam mission shaill by rnajority vote of the,members present arid voting. make a prolliminary, determination whether there is,p�fobable cause to believe that discrimination did occur.. If there is no finiding of probable cause,the case will be closed and the claimant and responpdlenit promptly notified. (4) If the Commission d' termiriios probable cause exists to believe discrimination oc"rrwi.ten the Commission shralll conduct a hearing to determine facts upon which to base a recommendation for prosecution to the Qty Attorney. Said hearing shal I The conducted within oight-five(85)days of filling the complaint. 'rho complainaritand respondent may but'need hat be relpreSerited at saint', hearing by an attorney, The Qomirnhision May sutpoliena witnesses,andl compel testimony. (5) At the conclusion of the hrearitig, the Commission shall by rnaJorily vote ofthose mombefs, pr%,Ont and voting, make a final determination whether Owe,is probablo calwSe to believe, that dis,criinninafion did occur. If there is no finch nig of probable cause,the case mll be closed and the claimant and respondent promptly notified. If there is a finding of probable cause, thre Cornmissiion shall promptly notify the clai mant and respondent of the finding and no later than,onle hundired (100)dayS Hof filing the complaint, revatnmarnt to,the City AttbrnYay that prosecubop be cammeniced. f6) No Commissionef who has filed a comolaint on the Commissioner's ovin initiative orwho has (7) If any person fails to attend such heafing or to testify when subpoonaed,the Commission may refer su(hi refugall to the city Attorney who shall seek judizial erlforcernen1 of suoh subpoena. SECTION 110-9 LIBERAL CONSTRUVWN; $EVERARJUTY (A) The provisions of this division shall the liberally construed in order to promote the purposes wid provisions conlamed herein. (1) It its the intention of the City Council that this be interpreted consistently with Title VIIII of the Civil Rights act of 1'96B (42 USA Sec. a6l)-I-3619) as amended, and with regulations applicable thereto(24 CAR farts 14,101), 103,1110, 115a,nd of this qjutp5ection clearly requires a different interpretation. (B) The provision s of this Division are severable and if any provision,sentence,clause,section of,part thereof is held illoqall, invalid, unconstitutional or,inapplicable to any person or oircumi�tanoe,such illegality invalidlity,,unconstitutionally or mnajpplicabRity shall not affect or impair any of the remaining provisions,,sentences,ctauses,Sections or parts of the Division or their application to other person of6ifeurnstainces. It is hereby declared to be the legislative intent that this Division,would have been .adopted if such dWigal,invalficl,unconstitutionol or inapplicable provision,sentence,clause,Section or, part thereof had not been included therein,and if the person or circumstances to which the Dvvi�qion or any(part thereof is inapplicable had been,specifically exempted therefrom. IVISA Professional Services, Inc. CITY OF OSHKOSH ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE Appendix C. Home Mortgage Disclosure Act(2009) Data IVISA Professional Services, Inc. LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKEUP THE 2011 MSA/MD AGGREGATE REPORT Page 1 of 3 MSA/MD:36780-OSHKOSH-NEENAH,WI INSTITUTIONS WHO HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD ALLIED HOME MORTGAGE CORP. ALLIED HOME MTG CAPITAL CORP AMERICAN BANK AMERICAN EQUITY MORTGAGE,INC. AMERICAN FINANCIAL RESOURCES AMERICAN INTERNET MORTGAGE AMERISAVE MORTGAGE CORPORATION ANCHORBANK FSB ASSOCIATED BANK NA BADGER GLOBE CREDIT UNION BADGERLAND FINANCIAL BANK FIRST NATIONAL BANK MUTUAL CAPITAL CREDIT UNION CARNEGIE MORTGAGE CHICAGO MORTGAGE SOLUTIONS CHOICE BANK CITIFINANCIAL,INC. CITIMORTGAGE,INC CITIZENS BANK CITIZENS COMMUNITY FEDERAL CitizensFirst Credit Union CLEARPOINTE CAPITAL INC COMMUNITY FIRST CREDIT UNION CONSUMER LOAN SERVICES LLC EMBRACE HOME LOANS,INC. ENVOY MORTGAGE,LTD. FAIRWAY INDEPENDENT MORT.CORP FIFTH THIRD MORTGAGE COMPANY FIRSTNATIONAL BANK FIRSTNATIONAL BANK-FOX VALLEY FIRST RESIDENTIAL MORTGAGE FOX COMMUNITIES CREDIT UNION FOX VALLEY SAVINGS BANK FRANKLIN AMERICAN MORTGAGE CO FREEDOM MORTGAGE CORPORATION GATEWAY FUNDING DMS,LP GMAC MORTGAGE LLC GSF MORTGAGE CORPORATION HOME LOAN CENTER HORICON BANK IFREEDOM DIRECT CORPORATION INLANTA MORTGAGE INC JPMORGAN CHASE BANK,NA KIMCENTRAL CREDIT UNION LAKEVIEW CREDIT UNION LOANDEPOT.COM LSI MORTGAGE PLUS M&I MARSHALL&ILSLEY BANK MORTGAGE INVESTORS CORP MORTGAGE SERVICES III,L.L.C. NATIONSTAR MORTGAGE LLC NETWORK FUNDING LP NEW DAY FINANCIAL,LLC NORTH SHORE BANK FSB NYCB MORTGAGE COMPANY LLC ONEMAIN FINANCIAL SERVICESJNC PEOPLES HOME EQUITY,INC PHH MORTGAGE CORPORATION POLARIS HOME FUNDING CORP. PRIMARY RESIDENTIAL MORTGAGE PROSPERA CREDIT UNION PROVIDENT FUNDING ASSOCIATES OR LENDING INC QUICKEN LOANS REAL ESTATE MORTGAGE NETWORK RESIDENTIAL FINANCE CORP. SIERRA PACIFIC MORTGAGE COMP SIRVA MORTGAGE,INC SUNTRUST MORTGAGE,INC TOWNE MORTGAGE COMPANY US BANK,N.A. UW CREDIT UNION WATERSTONE MORTGAGE CORP WELLS FARGO BANK,NA WELLS FARGO FUNDING,INC WEST POINTE BANK WINNEBAGO COMMUNITY CREDIT UNI Report Date: 06/04/2012 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKEUP THE 2011 MSA/MD AGGREGATE REPORT Page 2 of 3 MSA/MD:36780-OSHKOSH-NEENAH,WI INSTITUTIONS WHO DO NOT HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD 1 ST ADVANTAGE MORTGAGE 21 ST MORTGAGE 5STAR BANK ACCESS NATIONAL BANK ACCUNET MORTGAGE LLC AFFILIATED BANK AFFILIATED MORTGAGE COMPANY AGSTAR FINANCIAL SERVICES ALLY BANK ALTRA FEDERAL CREDIT UNION AMERICAN BANK AMERICAN MIDWEST BANK AMERICAN NB FOX CITIES AMERIPRISE BANK,FSB ANDERSON FINANCIAL GROUP ASSURED MORTGAGE INC. AURORA BANK FSB BANK OFAMERICA,N.A. BANK OF ENGLAND BANK OF MANHATTAN NA BANK OF OAKFIELD BARRINGTON BANK&TRUST CO.NA BAY BANK BAYLAKE BANK BEST ADVANTAGE CREDIT UNION BLC COMMUNITY BANK BMO HARRIS BANK N.A. BNC NATIONAL BANK BRANCH BANKING AND TRUST CO BRIDGEVIEW BANK MORTGAGE COMPA CARRINGTON MORTGAGE SERVICES CHARLES SCHWAB BANK CHERRY CREEK MORTGAGE CO.,INC CITIBANK,N.A. CITICORP TRUST BANK,FSB CLEVELAND STATE BANK COLONIAL SAVINGS,F.A. COMMERCE STATE BANK COMMUNITY BANK&TRUST CORNERSTONE NATIONAL BANK&TR COVANTAGE CREDIT UNION CRESCENT MORTGAGE COMPANY Deere Employees Credit Union DENMARK STATE BANK DIGITAL FEDERAL CREDIT UNION DODGE CENTRAL CREDIT UNION EAST WISCONSIN SAVINGS BANK SA EDUCATORS CREDIT UNION EVERBANK EVERETT FINANCIAL INC. FARMERS&MERCHANTS UNION BANK FIRSTAMERICAN BANK FIRST BANK FINANCIAL CENTRE FIRST BUSINESS BANK FIRST CHOICE BANK FIRST CHOICE LOAN SERVICES INC FIRST COMMUNITY FCU FIRST FEDERAL BANK OF FLORIDA FIRST FEDERAL BANK,FSB FIRST FEDERAL SAVINGS BANK FIRST NATIONAL BANK FIRST NATIONAL BANK OF AMERICA FIRST NATIONAL BANK OF OMAHA FIRST STATE BANK FIRST-CITIZENS BANK&TRUST CO FLAGSTAR BANK FOND DU LAC CREDIT UNION GENERATION MORTGAGE COMPANY GOLD STAR MORTGAGE FINANCIAL GRAND BANK NA GREAT MIDWEST BANK,SSE GREENLEAF WAYSIDE BANK GREENLIGHT FINANCIAL SERVICES GREENSTONE FARM CREDIT SERVICE GREENWOOD'S STATE BANK GUARANTEED RATE INC GUARANTY BANK,FSB GUARDIAN CREDIT UNION HOME SAVINGS OF AMERICA HOMESERVICES LENDING,LLC HOMETOWN BANK ING BANK,FSB INTEGRITY FIRST BANK INTERCONTINENTAL CAPITAL GROUP ISB COMMUNITY BANK JAMES B.NUTTER&CO. JOHNSON BANK KINECTA FEDERAL CREDIT UNION Kohler Credit Union LAKE MICHIGAN CREDIT UNION LANDMARK CREDIT UNION M&I BANK FSB MARINE CREDIT UNION MARKETPLACE HOME MORTGAGE LLC MERRILL LYNCH CREDIT CORP METLIFE BANK,N.A. MIDDLETON COMMUNITY BANK MIDWEST COMMUNITY BANK MORTGAGE RESEARCH CENTER,LLC NATIONAL EXCHANGE B&T NATIONS LENDING CORPORATION NATIONWIDE ADVANTAGE MORTGAGE NATIONWIDE BANK NEW AMERICAN FUNDING NEW YORK COMMUNITY BANK NFCU NICOLET NATIONAL BANK NORTH AMERICAN SAVINGS BANK ONE REVERSE MORTGAGE,LLC PENNYMAC LOAN SERVICES LLC PENTAGON FEDERAL CREDIT UNION PHH HOME LOANS PIONEER CREDITUNION PLATINUM HOME MORTGAGE CORP PNC BANK N.A. PORT WASHINGTON STATE BANK PREMIER COMMUNITY BANK PROSPECT MORTGAGE LLC PYRAMAX BANK,FSB RIDGESTONE BANK ROCKY MOUNTAIN B&TC FLORENCE SELFRELIANCE UAFCU SHORE MORTGAGE STARION FINANCIAL STATE BANK OF CHILTON STATE BANK OF CROSS PLAINS STATE FARM BANK STIFEL BANK&TRUST STONEGATE MORTGAGE LLC Summit Credit Union SUMMIT MORTGAGE CORPORATION SUN WEST MORTGAGE COMPANY,INC TCF NATIONAL BANK TEXAS STAR BANK SSE THE BANK OF KAUKAUNA THE BUSINESS BANK THE EQUITABLE BANK SSE THE HUNTINGTON NATIONAL BANK Report Date: 06/04/2012 LIST OF FINANCIAL INSTITUTIONS WHOSE DATA MAKEUP THE 2011 MSA/MD AGGREGATE REPORT Page 3 of 3 MSA/MD:36780-OSHKOSH-NEENAH,WI INSTITUTIONS WHO DO NOT HAVE A HOME OR BRANCH OFFICE IN THE MSA/MD THE NATIONAL BANK OF WAU PUN THE PARK BANK THE PRIVATEBAN K AN D TRUST CO. THRIVENT FINANCIAL BANK TIME FEDERAL SAVINGS BANK TOWER CREDIT UNION TRUHOME SOLUTIONS,LLC UNION BANK&TRUST COMPANY UNITED SECURITY FINANCIAL URBAN FINANCIAL GROUP INC. US BANK NORTH DAKOTA USAA FEDERAL SAVINGS BANK VILLAGE CAPITAL&INVESTMENT WATERSTONE BANK SSE WEICHERT FINANCIAL SERVICES WESTBURY BANK WESTCONSIN CREDIT UNION WESTSTAR MORTGAGE INC WINGS FINANCIAL CREDIT UNION WISCONSIN COMMUNITY BANK WISCONSIN MORTGAGE CORPORATION WOLF RIVER COMMUNITY BANK WOODTRUST BANK NA. Report Date: 06/04/2012 AGGREGATE TABLE 1'.DISPOSITION OF LOAN APPLICATIONS.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 1 of 8 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans On % Median CENSUS TRACT OR COUNTY NAME AND gs Loans From Manufactured Home Min Income As DISPOSITION OF APPLICATION 1/ Refinancings Home Improvement For 5 or More Columns A.B,C Dwellings From Pop PCT of (STATE/COUNTY/TRACT NUMBER) FHA,FSA/RHS&VA Conventional Loans Families and D Columns A,B,C&D 4/ MSA/MD A B C D E F G Median Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0001.00 7 80 LOANS ORIGINATED 3 232 7 382 54 4394 3 96 11 796 APPSAPPROVED,NOTACCEPTED 1 97 3 208 APPS DENIED 4 248 3 342 20 1861 1 18 2 289 APPS WITHDRAWN 1 63 11 990 1 85 FILES CLOSED FOR INCOMPLETENESS 5 347 1 70 WI/WINNEBAGO COUNTY/0002.00 13 89 LOANS ORIGINATED 6 459 14 1104 39 3668 7 487 1 640 11 799 APPSAPPROVED,NOTACCEPTED 5 371 1 11 APPS DENIED 2 86 12 990 3 117 1 32 APPS WITHDRAWN 1 33 6 549 FILES CLOSED FOR INCOMPLETENESS 1 96 2 162 WI/WINNEBAGO COUNTY/0003.00 7 110 LOANS ORIGINATED 10 1298 23 2334 80 11250 10 736 3 640 15 1347 APPSAPPROVED,NOTACCEPTED 2 280 1 55 7 830 1 70 1 60 APPS DENIED 4 447 2 135 25 4223 3 134 2 211 APPS WITHDRAWN 1 62 2 216 18 2455 1 3 1 57 FILES CLOSED FOR INCOMPLETENESS 10 1319 WI/WINNEBAGO COUNTY/0004.00 7 91 LOANS ORIGINATED 3 194 15 861 36 2752 7 171 11 580 APPSAPPROVED,NOTACCEPTED 1 60 1 55 7 372 APPS DENIED 4 202 3 139 20 1487 2 17 2 68 APPS WITHDRAWN 2 170 11 810 FILES CLOSED FOR INCOMPLETENESS 2 155 1 68 WI/WINNEBAGO COUNTY/0005.00 12 80 LOANS ORIGINATED 7 611 19 1167 50 3301 8 245 23 1364 APPSAPPROVED,NOTACCEPTED 2 118 1 11 1 11 APPS DENIED 1 81 16 1485 2 6 6 443 APPS WITHDRAWN 1 59 11 812 1 82 FILES CLOSED FOR INCOMPLETENESS 6 371 1 32 Report Date'. 06/04/2012 AGGREGATE TABLE 1'.DISPOSITION OF LOAN APPLICATIONS.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 2 of 8 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans On % Median CENSUS TRACT OR COUNTY NAME AND gs Loans From Manufactured Home Min Income As DISPOSITION OF APPLICATION 1/ Refinancings Home Improvement For 5 or More Columns A.B,C Dwellings From Pop PCT of (STATE/COUNTY/TRACT NUMBER) FHA,FSA/RHS&VA Conventional Loans Families and D Columns A,B,C&D 4/ MSA/MD A B C D E F G Median Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0007.00 5 86 LOANS ORIGINATED 7 840 7 1524 2 58 1 998 12 2085 APPSAPPROVED,NOTACCEPTED 1 84 APPS DENIED 5 283 2 121 APPS WITHDRAWN 2 544 FILES CLOSED FOR INCOMPLETENESS WI/WINNEBAGO COUNTY/0008.00 7 83 LOANS ORIGINATED 6 527 25 1659 63 5695 5 130 9 602 APPSAPPROVED,NOTACCEPTED 1 64 4 277 1 35 APPS DENIED 3 219 2 142 20 1663 2 57 1 94 APPS WITHDRAWN 1 66 2 179 15 1575 FILES CLOSED FOR INCOMPLETENESS 4 292 1 70 1 38 WI/WINNEBAGO COUNTY/0009.00 8 83 LOANS ORIGINATED 7 903 16 1409 68 6633 6 362 3 4636 9 668 APPSAPPROVED,NOTACCEPTED 1 162 9 721 APPS DENIED 1 117 4 352 22 2052 6 150 APPS WITHDRAWN 3 366 9 1005 1 10 FILES CLOSED FOR INCOMPLETENESS 4 489 1 5 WI/WINNEBAGO COUNTY/0010.00 7 88 LOANS ORIGINATED 4 272 12 1210 48 3822 5 117 4 173 APPSAPPROVED,NOTACCEPTED 5 335 1 3 APPS DENIED 1 88 15 1320 1 5 APPS WITHDRAWN 1 171 8 664 1 45 FILES CLOSED FOR INCOMPLETENESS 1 56 WI/WINNEBAGO COUNTY/0011.00 6 83 LOANS ORIGINATED 15 1579 9 728 77 6785 7 1357 1 638 8 1429 APPSAPPROVED,NOTACCEPTED 5 390 APPS DENIED 2 154 4 216 13 1159 3 48 3 123 APPS WITHDRAWN 1 157 1 76 10 945 3 93 3 247 FILES CLOSED FOR INCOMPLETENESS 3 319 Report Date'. 06/04/2012 AGGREGATE TABLE 1'.DISPOSITION OF LOAN APPLICATIONS.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 3 of 8 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans On % Median CENSUS TRACT OR COUNTY NAME AND gs Loans From Manufactured Home Min Income As DISPOSITION OF APPLICATION 1/ Refinancings Home Improvement For 5 or More Columns A.B,C Dwellings From Pop PCT of (STATE/COUNTY/TRACT NUMBER) FHA,FSA/RHS&VA Conventional Loans Families and D Columns A,B,C&D 4/ MSA/MD A B C D E F G Median Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0012.00 6 72 LOANS ORIGINATED 7 562 17 851 21 1525 5 153 12 723 APPSAPPROVED,NOTACCEPTED 1 25 APPS DENIED 2 83 5 356 15 1022 1 25 1 20 APPS WITHDRAWN 1 42 10 692 3 169 FILES CLOSED FOR INCOMPLETENESS 1 56 3 233 1 73 1 73 WI/WINNEBAGO COUNTY/0013.00 5 85 LOANS ORIGINATED 5 432 11 831 49 3819 12 273 1 2100 12 1049 APPSAPPROVED,NOTACCEPTED 1 59 4 273 1 91 APPS DENIED 1 104 2 174 19 1708 1 25 1 68 APPS WITHDRAWN 9 755 FILES CLOSED FOR INCOMPLETENESS 2 166 WI/WINNEBAGO COUNTY/0014.00 4 93 LOANS ORIGINATED 8 764 30 2111 69 5688 9 321 12 828 4 83 APPSAPPROVED,NOTACCEPTED 2 103 5 437 1 70 1 20 APPS DENIED 3 241 2 97 23 2295 4 223 1 30 1 17 APPS WITHDRAWN 1 97 16 1686 FILES CLOSED FOR INCOMPLETENESS 1 53 4 439 WI/WINNEBAGO COUNTY/0015.00 7 90 LOANS ORIGINATED 9 843 20 1908 60 5295 9 435 11 809 APPSAPPROVED,NOTACCEPTED 1 68 4 287 1 68 APPS DENIED 1 29 22 1852 2 236 1 180 APPS WITHDRAWN 1 62 15 1340 2 144 FILES CLOSED FOR INCOMPLETENESS 1 51 WI/WINNEBAGO COUNTY/0016.00 12 112 LOANS ORIGINATED 5 500 17 2340 67 9685 7 565 6 736 3 28 APPSAPPROVED,NOTACCEPTED 3 325 APPS DENIED 1 16 18 2320 2 140 2 329 1 16 APPS WITHDRAWN 2 26 9 1187 2 26 FILES CLOSED FOR INCOMPLETENESS 4 505 Report Date'. 06/04/2012 AGGREGATE TABLE 1'.DISPOSITION OF LOAN APPLICATIONS.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 4 of 8 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans On % Median CENSUS TRACT OR COUNTY NAME AND gs Loans From Manufactured Home Min Income As DISPOSITION OF APPLICATION 1/ Refinancings Home Improvement For 5 or More Columns A.B,C Dwellings From Pop PCT of (STATE/COUNTY/TRACT NUMBER) FHA,FSA/RHS&VA Conventional Loans Families and D Columns A,B,C&D 4/ MSA/MD A B C D E F G Median Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0017.00 21 99 LOANS ORIGINATED 5 704 21 2317 86 15198 4 383 5 1367 9 208 APPSAPPROVED,NOTACCEPTED 3 529 1 13 6 925 1 235 1 27 1 13 APPS DENIED 1 159 3 164 20 4714 1 404 2 40 APPS WITHDRAWN 4 66 12 2869 1 20 3 42 FILES CLOSED FOR INCOMPLETENESS 3 271 WI/WINNEBAGO COUNTY/0018.00 4 124 LOANS ORIGINATED 31 4565 133 20704 579 83133 35 2969 20 4181 APPSAPPROVED,NOTACCEPTED 8 1618 40 5727 1 110 1 112 APPS DENIED 9 1175 14 1787 65 11642 5 572 4 531 APPS WITHDRAWN 2 355 52 7491 3 281 FILES CLOSED FOR INCOMPLETENESS 1 160 2 510 19 2759 WI/WINNEBAGO COUNTY/0019.00 2 112 LOANS ORIGINATED 11 1774 27 3856 190 27718 8 971 1 5150 16 3140 APPSAPPROVED,NOTACCEPTED 3 454 8 1240 2 298 1 5000 1 276 APPS DENIED 3 302 8 1253 37 5121 2 139 2 387 APPS WITHDRAWN 2 225 4 580 23 10057 1 350 4 7566 FILES CLOSED FOR INCOMPLETENESS 1 85 11 1788 1 130 WI/WINNEBAGO COUNTY/0020.00 3 97 LOANS ORIGINATED 17 1989 48 7157 207 25751 21 1567 13 1615 APPSAPPROVED,NOTACCEPTED 2 178 4 671 11 1569 1 180 APPS DENIED 5 640 6 388 55 7238 5 51 2 110 1 10 APPS WITHDRAWN 2 317 3 408 21 3075 4 689 FILES CLOSED FOR INCOMPLETENESS 2 95 7 722 WI/WINNEBAGO COUNTY/0021.00 2 102 LOANS ORIGINATED 14 1831 111 15343 13 327 14 2122 APPSAPPROVED,NOTACCEPTED 2 290 10 1222 1 33 1 180 APPS DENIED 3 437 30 4226 1 19 3 308 APPS WITHDRAWN 2 72 14 1885 1 92 FILES CLOSED FOR INCOMPLETENESS 5 670 1 113 Report Date'. 06/04/2012 AGGREGATE TABLE 1'.DISPOSITION OF LOAN APPLICATIONS.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 5 of 8 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans On % Median CENSUS TRACT OR COUNTY NAME AND gs Loans From Manufactured Home Min Income As DISPOSITION OF APPLICATION 1/ Refinancings Home Improvement For 5 or More Columns A.B,C Dwellings From Pop PCT of (STATE/COUNTY/TRACT NUMBER) FHA,FSA/RHS&VA Conventional Loans Families and D Columns A,B,C&D 4/ MSA/MD A B C D E F G Median Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0022.00 1 109 LOANS ORIGINATED 22 3079 48 8336 318 48584 24 2125 2 4182 39 7349 3 268 APPSAPPROVED,NOTACCEPTED 3 633 21 3185 3 123 2 168 APPS DENIED 5 417 5 614 68 9824 7 117 10 1243 APPS WITHDRAWN 2 147 4 386 45 7398 6 1021 5 676 FILES CLOSED FOR INCOMPLETENESS 1 90 12 2867 1 133 WI/WINNEBAGO COUNTY/0023.00 2 121 LOANS ORIGINATED 9 1482 38 7248 271 49897 27 1609 5 644 APPSAPPROVED,NOTACCEPTED 2 445 10 1534 3 26 APPS DENIED 1 92 5 753 43 9116 3 47 5 949 1 115 APPS WITHDRAWN 1 156 3 603 33 6536 1 6 FILES CLOSED FOR INCOMPLETENESS 10 2258 WI/WINNEBAGO COUNTY/0024.00 4 123 LOANS ORIGINATED 25 3540 65 7911 300 38323 27 1289 2 9089 12 2739 10 239 APPSAPPROVED,NOTACCEPTED 2 208 3 503 16 2589 APPS DENIED 2 312 10 544 62 9792 3 165 10 1527 8 240 APPS WITHDRAWN 3 466 12 680 50 8219 1 15 1 25000 2 338 7 168 FILES CLOSED FOR INCOMPLETENESS 1 87 11 1469 WI/WINNEBAGO COUNTY/0025.00 17 80 LOANS ORIGINATED 2 276 22 2038 63 7610 6 86 8 4435 7 587 APPSAPPROVED,NOTACCEPTED 1 105 8 643 1 85 APPS DENIED 4 491 2 248 26 2604 1 76 1 1700 1 91 APPS WITHDRAWN 11 1250 1 435 FILES CLOSED FOR INCOMPLETENESS WI/WINNEBAGO COUNTY/0026.01 7 100 LOANS ORIGINATED 15 1374 26 2886 89 12314 10 433 1 1010 5 1539 APPSAPPROVED,NOTACCEPTED 8 725 2 20 APPS DENIED 1 126 28 4063 7 255 1 1490 3 524 APPS WITHDRAWN 2 172 15 1950 1 113 1 132 1 16 FILES CLOSED FOR INCOMPLETENESS 4 552 1 230 Report Date'. 06/04/2012 AGGREGATE TABLE 1'.DISPOSITION OF LOAN APPLICATIONS.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 6 of 8 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans On % Median CENSUS TRACT OR COUNTY NAME AND gs Loans From Manufactured Home Min Income As DISPOSITION OF APPLICATION 1/ Refinancings Home Improvement For 5 or More Columns A.B,C Dwellings From Pop PCT of (STATE/COUNTY/TRACT NUMBER) FHA,FSA/RHS&VA Conventional Loans Families and D Columns A,B,C&D 4/ MSA/MD A B C D E F G Median Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0026.02 5 108 LOANS ORIGINATED 4 491 13 1271 95 8866 11 388 1 1500 5 362 APPSAPPROVED,NOTACCEPTED 7 810 1 5650 APPS DENIED 3 510 35 3862 1 14 3 236 APPS WITHDRAWN 1 86 10 1016 1 75 FILES CLOSED FOR INCOMPLETENESS 5 605 WI/WINNEBAGO COUNTY/0027.00 5 88 LOANS ORIGINATED 9 731 19 1775 68 4977 12 476 8 614 APPSAPPROVED,NOTACCEPTED 1 60 6 425 APPS DENIED 4 390 2 83 16 1374 3 82 1 49 APPS WITHDRAWN 2 217 3 302 10 855 2 101 1 98 FILES CLOSED FOR INCOMPLETENESS 4 317 WI/WINNEBAGO COUNTY/0028.00 8 85 LOANS ORIGINATED 15 1319 29 2219 91 7250 11 545 14 1173 6 185 APPSAPPROVED,NOTACCEPTED 2 106 4 496 7 527 1 7 1 86 APPS DENIED 3 218 4 140 24 2296 6 180 4 383 1 1 APPS WITHDRAWN 1 89 3 364 26 2298 1 11 2 92 FILES CLOSED FOR INCOMPLETENESS 6 466 WI/WINNEBAGO COUNTY/0029.00 10 69 LOANS ORIGINATED 2 114 7 638 27 1930 2 27 10 673 APPSAPPROVED,NOTACCEPTED 2 122 1 100 APPS DENIED 2 250 1 23 12 1007 4 245 4 268 APPS WITHDRAWN 3 171 1 63 5 485 2 8 FILES CLOSED FOR INCOMPLETENESS 1 62 1 62 WI/WINNEBAGO COUNTY/0030.00 4 107 LOANS ORIGINATED 3 392 6 383 40 4086 7 638 6 369 APPSAPPROVED,NOTACCEPTED 7 691 APPS DENIED 2 89 2 152 13 1239 2 79 1 5 APPS WITHDRAWN 1 28 10 1209 FILES CLOSED FOR INCOMPLETENESS 2 269 Report Date'. 06/04/2012 AGGREGATE TABLE 1'.DISPOSITION OF LOAN APPLICATIONS.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 7 of 8 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans On % Median CENSUS TRACT OR COUNTY NAME AND gs Loans From Manufactured Home Min Income As DISPOSITION OF APPLICATION 1/ Refinancings Home Improvement For 5 or More Columns A.B,C Dwellings From Pop PCT of (STATE/COUNTY/TRACT NUMBER) FHA,FSA/RHS&VA Conventional Loans Families and D Columns A,B,C&D 4/ MSA/MD A B C D E F G Median Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0031.00 4 100 LOANS ORIGINATED 7 816 12 1305 52 7502 8 253 5 259 APPSAPPROVED,NOTACCEPTED 2 111 3 246 1 15 1 461 APPS DENIED 2 128 1 35 8 735 1 353 APPS WITHDRAWN 2 257 6 480 FILES CLOSED FOR INCOMPLETENESS 2 178 1 247 WI/WINNEBAGO COUNTY/0032.00 4 103 LOANS ORIGINATED 6 758 27 3944 76 11319 9 515 11 1499 APPSAPPROVED,NOTACCEPTED 1 210 1 50 3 220 2 204 APPS DENIED 4 359 1 25 19 3787 2 9 2 997 APPS WITHDRAWN 1 134 1 124 16 2563 1 68 FILES CLOSED FOR INCOMPLETENESS 1 46 3 416 WI/WINNEBAGO COUNTY/0033.00 6 87 LOANS ORIGINATED 7 578 18 1589 66 4646 10 345 11 710 APPSAPPROVED,NOTACCEPTED 2 142 2 93 APPS DENIED 1 59 3 175 16 1332 4 30 3 297 APPS WITHDRAWN 2 106 3 167 13 950 1 46 FILES CLOSED FOR INCOMPLETENESS 1 61 WI/WINNEBAGO COUNTY/0034.00 5 91 LOANS ORIGINATED 18 1681 25 1724 77 4992 11 421 1 2058 10 623 APPSAPPROVED,NOTACCEPTED 5 258 9 711 1 16 2 137 APPS DENIED 1 58 2 127 36 3032 7 225 5 241 APPS WITHDRAWN 2 126 17 1526 3 36 FILES CLOSED FOR INCOMPLETENESS 1 63 3 245 1 74 WI/WINNEBAGO COUNTY/0035.00 8 79 LOANS ORIGINATED 6 645 11 1032 37 2915 6 94 1 200 3 324 APPSAPPROVED,NOTACCEPTED 1 48 2 97 1 48 APPS DENIED 1 83 1 55 19 1726 4 26 5 477 APPS WITHDRAWN 7 607 FILES CLOSED FOR INCOMPLETENESS 1 112 2 105 Report Date'. 06/04/2012 AGGREGATE TABLE 1'.DISPOSITION OF LOAN APPLICATIONS.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 8 of 8 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans On % Median CENSUS TRACT OR COUNTY NAME AND gs Loans From Manufactured Home Min Income As DISPOSITION OF APPLICATION 1/ Refinancings Home Improvement For 5 or More Columns A.B,C Dwellings From Pop PCT of (STATE/COUNTY/TRACT NUMBER) FHA,FSA/RHS&VA Conventional Loans Families and D Columns A,B,C&D 4/ MSA/MD A B C D E F G Median Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0036.00 3 139 LOANS ORIGINATED 15 2206 37 7263 157 24381 10 1090 7 795 APPSAPPROVED,NOTACCEPTED 3 445 10 2317 1 92 APPS DENIED 2 217 1 30 28 9373 2 25 1 30 APPS WITHDRAWN 2 300 9 965 30 4819 3 108 1 30 FILES CLOSED FOR INCOMPLETENESS 2 205 4 938 WI/WINNEBAGO COUNTY/0037.01 6 101 LOANS ORIGINATED 14 1560 25 2664 85 7634 14 369 7 695 APPSAPPROVED,NOTACCEPTED 4 404 1 4 APPS DENIED 3 459 1 112 18 1758 3 73 3 381 APPS WITHDRAWN 2 445 15 1645 2 226 FILES CLOSED FOR INCOMPLETENESS 6 629 WI/WINNEBAGO COUNTY/0037.02 3 117 LOANS ORIGINATED 19 3429 88 14477 363 53051 31 2300 8 904 APPSAPPROVED,NOTACCEPTED 1 111 2 272 14 2748 APPS DENIED 2 350 7 1200 68 10461 8 648 3 424 APPS WITHDRAWN 1 100 7 944 24 3763 1 132 1 30 FILES CLOSED FOR INCOMPLETENESS 16 3031 1 12 MSA/MD(TOTAL) 0 0 LOANS ORIGINATED 357 42679 1001 124303 4236 543256 419 24726 27 37276 407 48271 35 1011 APPSAPPROVED,NOTACCEPTED 19 2053 53 6931 278 33798 24 1286 3 11111 19 1726 2 33 APPS DENIED 81 8063 119 11234 1011 136042 113 4278 2 3190 101 12132 16 530 APPS WITHDRAWN 32 3203 83 8263 625 88955 31 2221 2 25435 38 11044 14 282 FILES CLOSED FOR INCOMPLETENESS 5 413 11 1245 188 25582 6 305 1 247 9 878 INVALID GEOGRAPHIC IDENTIFIERS 2/ 0 0 LOANS ORIGINATED APPSAPPROVED,NOTACCEPTED APPS DENIED APPS WITHDRAWN FILES CLOSED FOR INCOMPLETENESS Report Date'. 06/04/2012 AGGREGATE TABLE 2'.LOANS PURCHASED.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 1 of 2 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans Loans on Manufactured Refinancings Home Improvement For 5 or More From Columns A,B,C Home Dwellings From CENSUS TRACT OR COUNTY NAME 1/ FHA.FSA/RHS&VA Conventional Loans Families &D Columns A,B,C&D (STATE/COUNTY/TRACT NUMBER) A B C D E F G Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGOCOUNTY/0001.00 4 352 1 108 13 1482 1 180 WI/WINNEBAGO COUNTY/0002.00 6 369 1 107 9 771 1 35 WI/WINNEBAGO COUNTY/0003.00 4 608 6 724 15 2741 1 100 WI/WINNEBAGO COUNTY/0004.00 2 176 6 479 WI/WINNEBAGO COUNTY/0005.00 10 823 6 682 WI/WINNEBAGO COUNTY/0007.00 1 152 WI/WINNEBAGO COUNTY/0008.00 8 691 2 197 13 1015 1 60 WI/WINNEBAGO COUNTY/0009.00 6 792 1 90 13 1575 1 112 WI/WINNEBAGO COUNTY/0010.00 2 204 1 147 5 448 WI/WINNEBAGOCOUNTY/0011.00 7 773 2 170 13 1295 1 90 WI/WINNEBAGO COUNTY/0012.00 9 742 5 225 6 524 2 92 WI/WINNEBAGO COUNTY/0013.00 6 533 16 1527 1 130 WI/WINNEBAGO COUNTY/0014.00 1 86 5 471 10 1013 WI/WINNEBAGO COUNTY/0015.00 4 423 1 68 10 907 WI/WINNEBAGO COUNTY/0016.00 4 479 2 487 11 1971 WI/WINNEBAGO COUNTY/0017.00 3 372 3 430 17 3146 1 126 WI/WINNEBAGO COUNTY/0018.00 16 2578 23 3584 95 16077 3 396 5 734 WI/WINNEBAGO COUNTY/0019.00 8 1299 1 105 31 4425 2 318 WI/WINNEBAGO COUNTY/0020.00 12 1388 8 1201 36 4947 1 104 3 592 WI/WINNEBAGOCOUNTY/0021.00 1 151 2 336 13 2086 1 290 3 439 WI/WINNEBAGO COUNTY/0022.00 16 2453 15 2896 55 9920 1 37 9 1631 WI/WINNEBAGO COUNTY/0023.00 5 1056 12 2382 57 13404 5 526 2 721 WI/WINNEBAGO COUNTY/0024.00 23 3183 19 2451 72 11405 1 163 1 391 WI/WINNEBAGO COUNTY/0025.00 2 189 5 431 11 1260 1 102 WI/WINNEBAGO COUNTY/0026.01 20 2021 4 1225 29 4228 2 191 WI/WINNEBAGO COUNTY/0026.02 4 517 5 518 18 1940 1 85 WI/WINNEBAGO COUNTY/0027.00 8 547 13 1265 14 1272 3 177 Report Date: 06/04/2012 AGGREGATE TABLE 2'.LOANS PURCHASED.,BY LOCATION OF PROPERTY AND TYPE OF LOAN.,2011 Page 2 of 2 ALL LOANS ON PROPERTY LOCATED IN MSA/MD 3/ MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans on Dwellings Nonoccupant Loans Loans on Manufactured Refinancings Home Improvement For 5 or More From Columns A,B,C Home Dwellings From CENSUS TRACT OR COUNTY NAME 1/ FHA.FSA/RHS&VA Conventional Loans Families &D Columns A,B,C&D (STATE/COUNTY/TRACT NUMBER) A B C D E F G Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's WI/WINNEBAGO COUNTY/0028.00 8 599 4 229 21 2166 3 265 WI/WINNEBAGO COUNTY/0029.00 6 422 1 144 1 62 WI/WINNEBAGO COUNTY/0030.00 5 644 1 95 12 1063 1 90 WI/WINNEBAGOCOUNTY/0031.00 6 521 2 225 7 937 WI/WINNEBAGO COUNTY/0032.00 5 588 4 305 14 2185 1 70 WI/WINNEBAGO COUNTY/0033.00 6 452 4 199 9 768 1 17 WI/WINNEBAGO COUNTY/0034.00 11 898 5 321 11 1039 1 56 WI/WINNEBAGO COUNTY/0035.00 4 359 1 65 9 805 1 109 WI/WINNEBAGO COUNTY/0036.00 9 1130 9 1576 21 3676 1 48 2 321 WI/WINNEBAGO COUNTY/0037.01 8 841 6 608 5 586 1 157 WI/WINNEBAGO COUNTY/0037.02 9 1500 21 2896 62 10467 1 100 MSA/MD(TOTAL) 268 30759 195 26281 767 114446 21 2453 46 6602 INVALID GEOGRAPHIC IDENTIFIERS 2/ Report Date: 06/04/2012 AGGREGATE TABLE 3-1:LOANS SOLD,BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND BY TYPE OF Page 1 of 1 PURCHASER(INCLUDES ORIGINATIONS AND PURCHASED LOANS),2011 MSA/MD:36780-OSHKOSH-NEENAH,WI COMMERCIAL INSURANCE CO, PRIVATE BANK,SAVINGS CREDIT UNION, BORROWER OR CENSUS TRACT SECURITI- BANK OR SAVING MORTGAGE BK OR AFFILIATE OTHER CHARACTERISTICS FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC ZATION ASSOC FINANCE CO INSTITUTION PURCHASER Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 86 1 66 1 417 2 68 ASIAN 22 3244 10 1231 5 644 6 776 BLACK OR AFRICAN AMERICAN 1 114 2 259 NATIVE HAWAIIAN/OTHER PACIFIC 1 121 ISLND WHITE 1820 243615 547 69822 560 82766 18 2096 571 79446 89 11170 97 12574 331 52794 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 15 2492 4 554 4 515 5 886 1 184 1 117 RACE NOT AVAILABLE 6/ 163 24276 75 10126 38 6124 7 866 48 8157 9 1328 76 11167 5 909 ETHNICITY 7/ HISPANIC OR LATINO 6 598 5 575 4 462 3 298 2 362 3 423 1 112 NOT HISPANIC OR LATINO 1832 246298 551 70015 566 83566 18 2068 575 80317 85 10272 94 12265 329 52505 JOINT(HISPANIC OR LATINO/NOT 12 1314 8 1080 2 239 4 652 1 171 1 70 1 154 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 171 25503 73 10177 39 6228 7 894 49 8415 12 1761 76 11167 6 1049 MINORITY STATUS 8/ WHITE NON-HISPANIC 1787 239489 530 67409 553 81961 17 1968 562 78135 83 10204 93 12081 328 52388 OTHERS,INCLUDING HISPANIC 56 7734 28 3554 19 2306 19 3029 5 601 5 677 3 383 INCOME 9/ LESS THAN 50%OF MSA/MD MEDIAN 87 6213 58 4640 22 2053 3 276 48 3468 8 572 8 592 11 808 50-79%OF MSA/MD MEDIAN 319 29418 137 14030 83 7778 3 253 125 12388 26 2411 31 3157 43 3889 80-99%OF MSA/MD MEDIAN 266 30025 93 11396 64 7432 4 465 86 9802 13 1528 22 2397 31 3407 100-119%OF MSA/MD MEDIAN 225 25630 66 9478 57 7202 4 466 64 9242 15 1622 23 2889 34 4118 120%OR MORE OF MSA/MD MEDIAN 982 164030 125 20562 321 57071 11 1502 252 46058 27 4950 63 11880 210 40050 INCOME NOT AVAILABLE 6/ 142 18397 158 21741 64 8959 56 8724 11 1483 27 3010 8 1548 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 1885 257010 587 75881 559 82682 23 2709 586 83662 96 11859 162 22367 321 51689 10-19%MINORITY 99 10439 37 3966 38 5163 1 136 35 4245 1 99 10 1222 11 1312 20-49%MINORITY 37 6264 13 2000 14 2650 1 117 10 1775 3 608 2 336 5 819 50-79%MINORITY 80-100%MINORITY INCOME 12/13/ LOWINCOME MODERATE INCOME 59 4681 36 3585 15 1506 25 2066 8 639 7 691 10 741 MIDDLE INCOME 1300 164610 465 56830 380 51605 19 2224 417 55649 60 6744 119 15366 203 31852 UPPER INCOME 662 104422 136 21432 216 37384 6 738 189 31967 32 5183 48 7868 124 21227 TOTAL 14/ 2021 273713 637 81847 611 90495 25 2962 631 89682 100 12566 174 23925 337 53820 Report Date: 06/04/2012 AGGREGATE TABLE 3-2:PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER(INCLUDES ORIGINATIONS ONLY),2011 Page 1 of 2 MSA/MD:36780-OSHKOSH-NEENAH,WI COMMERCIAL INSURANCE CO, PRIVATE BANK,SAVINGS CREDIT UNION, PRICING INFORMATION SECURITI- BANK,OR SAVING MORTGAGE BK,OR AFFILIATE OTHER FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC ZATION ASSOC FINANCE CO INSTITUTION PURCHASER FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# LIEN# NO REPORTED 1579 314 494 25 592 2 85 3 88 329 1 PRICING DATA 15/ REPORTED 5 5 2 1 2 1 1 PRICING DATA PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ 1.50-1.99 5 NA 3 NA 2 NA NA NA 1 NA 2 NA 1 NA NA 2.00-2.49 NA 1 NA NA NA NA NA NA NA NA 2.50-2.99 NA 1 NA NA NA NA NA NA NA NA 3.00-3.49 NA NA NA NA NA NA NA NA NA 3.50-4.49 4.50-5.49 1 5.50-6.49 6.50 OR MORE MEAN 1.80 2.07 1.75 1.68 1.55 5.21 1.85 MEDIAN 1.74 1.90 1.75 1.68 1.55 5.21 1.85 HOEPA LOANS 17/ Report Date:06/04/2012 AGGREGATE TABLE 3-2:PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY TYPE OF PURCHASER(INCLUDES ORIGINATIONS ONLY),2011 Page 2 of 2 MSA/MD:36780-OSHKOSH-NEENAH,WI COMMERCIAL INSURANCE CO, PRIVATE BANK,SAVINGS CREDIT UNION, PRICING INFORMATION SECURITI- BANK,OR SAVING MORTGAGE BK,OR AFFILIATE OTHER FANNIE MAE GINNIE MAE FREDDIE MAC FARMER MAC ZATION ASSOC FINANCE CO INSTITUTION PURCHASER FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR FIRST JUNIOR LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN LIEN $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's $000's NO REPORTED 209348 40809 70089 2962 84164 226 11213 69 10982 52996 39 PRICING DATA 15/ REPORTED 579 552 241 114 181 11 69 PRICING DATA PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ 1.50-1.99 579 NA 357 NA 241 NA NA NA 114 NA 181 NA 69 NA NA 2.00-2.49 NA 118 NA NA NA NA NA NA NA NA 2.50-2.99 NA 77 NA NA NA NA NA NA NA NA 3.00-3.49 NA NA NA NA NA NA NA NA NA 3.50-4.49 4.50-5.49 11 5.50-6.49 6.50 OR MORE MEAN 30/ 1.77 2.00 1.75 1.68 1.55 5.21 1.85 MEDIAN 31/ 1.72 1.78 1.69 1.68 1.55 5.21 1.85 HOEPA LOANS 17/ Report Date:06/04/2012 AGGREGATE TABLE 4-1:DISPOSITION OF APPLICATIONS FOR FHA,FSA/RHS,AND VA HOME-PURCHASE LOANS,1-TO4-FAMILY AND MANUFACTURED HOME Page 1 of 2 DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For RACE AND GENDER 5/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's AMERICAN INDIAN/ALASKA NATIVE(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) ASIAN(TOTAL) 7 853 5 670 1 156 1 27 MALE 1 117 1 117 FEMALE 1 122 1 122 JOINT(MALE/FEMALE) 5 614 3 431 1 156 1 27 BLACK OR AFRICAN AMERICAN(TOTAL) 1 140 1 140 MALE 1 140 1 140 FEMALE JOINT(MALE/FEMALE) NATIVE HAWAIIAN/OTHER PACIFIC ISLND(TOTAL) 1 154 1 154 MALE FEMALE JOINT(MALE/FEMALE) 1 154 1 154 WHITE(TOTAL) 470 53819 344 41135 19 2053 74 7326 28 2892 5 413 MALE 182 18359 132 13644 6 480 32 2976 10 987 2 272 FEMALE 108 10401 72 7332 5 559 22 1908 6 461 3 141 JOINT(MALE/FEMALE) 179 24962 140 20159 8 1014 20 2442 11 1347 2 OR MORE MINORITY RACES(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) JOINT(WHITE/MINORITY RACE)(TOTAL) 2 224 2 224 MALE FEMALE JOINT(MALE/FEMALE) 2 224 2 224 RACE NOT AVAILABLE(TOTAL)6/ 13 1221 5 510 6 581 2 130 MALE 7 686 2 178 4 411 1 97 FEMALE 2 145 1 112 1 33 JOINT(MALE/FEMALE) 1 88 1 88 Report Date: 06/04/2012 AGGREGATE TABLE 4-1:DISPOSITION OF APPLICATIONS FOR FHA,FSA/RHS,AND VA HOME-PURCHASE LOANS,1-TO4-FAMILY AND MANUFACTURED HOME Page 2 of 2 DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For ETHNICITY,GENDER AND INCOME 7/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's HISPANIC OR LATINO(TOTAL) 9 828 5 552 3 164 1 112 MALE 4 357 2 172 1 73 1 112 FEMALE 3 211 1 120 2 91 JOINT(MALE/FEMALE) 2 260 2 260 NOT HISPANIC OR LATINO(TOTAL) 470 53836 346 41361 19 2053 70 7015 31 3106 4 301 MALE 182 18375 134 13907 6 480 31 2841 10 987 1 160 FEMALE 108 10457 73 7446 5 559 20 1817 7 494 3 141 JOINT(MALE/FEMALE) 179 24907 139 20008 8 1014 19 2357 13 1528 JOINT(H ISPAN IC OR LATINO/NOT H ISPAN IC OR LATINO) 5 634 3 393 2 241 (TOTAL) MALE FEMALE JOINT(MALE/FEMALE) 5 634 3 393 2 241 ETHN ICITY NOT AVAILABLE(TOTAL)6/ 10 1113 3 373 6 643 1 97 MALE 5 570 4 473 1 97 FEMALE JOINT(MALE/FEMALE) 2 241 2 241 MINORITY STATUS 8/18/19/ WHITE NON-HISPANIC(TOTAL) 455 52142 335 40037 19 2053 69 6859 28 2892 4 301 MALE 178 17940 130 13472 6 480 31 2841 10 987 1 160 FEMALE 105 10190 71 7212 5 559 20 1817 6 461 3 141 JOINT(MALE/FEMALE) 171 23915 134 19353 8 1014 18 2201 11 1347 OTHERS,INCLUDING HISPANIC(TOTAL) 25 2833 16 1979 6 561 2 181 1 112 MALE 6 614 4 429 1 73 1 112 FEMALE 4 333 2 242 2 91 JOINT(MALE/FEMALE) 15 1886 10 1308 3 397 2 181 INCOME OF APPLICANTS 9/ LESS THAN 50%OF MSA/MD MEDIAN 89 6653 52 3979 4 269 22 1734 8 530 3 141 50-79%OF MSA/MD MEDIAN 152 15100 113 11600 6 451 24 2375 9 674 80-99%OF MSA/MD MEDIAN 99 11283 73 8413 4 434 14 1461 8 975 100-119%OF MSA/MD MEDIAN 52 6825 43 5966 8 747 1 112 120%OR MORE OF MSA/MD MEDIAN 97 15998 73 12350 5 899 11 1565 7 1024 1 160 INCOME NOT AVAILABLE 6/ 5 552 3 371 2 181 TOTAL 14/ 494 56411 357 42679 19 2053 81 8063 32 3203 5 413 Report Date: 06/04/2012 AGGREGATE TABLE 4-2:DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME Page 1 of 2 DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For RACE AND GENDER 5/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's AMERICAN INDIAN/ALASKA NATIVE(TOTAL) 5 174 3 134 1 32 1 8 MALE FEMALE 3 134 2 126 1 8 JOINT(MALE/FEMALE) 2 40 1 8 1 32 ASIAN(TOTAL) 18 2145 13 1650 3 336 2 159 MALE 5 521 3 407 1 71 1 43 FEMALE 1 93 1 93 JOINT(MALE/FEMALE) 12 1531 9 1150 2 265 1 116 BLACK OR AFRICAN AMERICAN(TOTAL) 3 377 1 120 1 222 1 35 MALE 2 155 1 120 1 35 FEMALE 1 222 1 222 JOINT(MALE/FEMALE) NATIVE HAWAIIAN/OTHER PACIFIC ISLND(TOTAL) 1 42 1 42 MALE 1 42 1 42 FEMALE JOINT(MALE/FEMALE) WHITE(TOTAL) 1111 135127 882 111269 48 6174 99 9290 73 7342 9 1052 MALE 313 31952 232 24055 11 1062 37 3674 30 2594 3 567 FEMALE 204 17394 157 14030 14 1098 17 859 13 1161 3 246 JOINT(MALE/FEMALE) 590 85217 492 73056 23 4014 44 4568 29 3427 2 152 2 OR MORE MINORITY RACES(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) JOINT(WHITE/MINORITY RACE)(TOTAL) 4 620 2 276 1 220 1 124 MALE FEMALE JOINT(MALE/FEMALE) 4 620 2 276 1 220 1 124 RACE NOT AVAILABLE(TOTAL)6/ 125 13491 99 10812 5 757 14 1134 5 595 2 193 MALE 5 704 3 556 1 145 1 3 FEMALE JOINT(MALE/FEMALE) 17 2461 12 1776 1 97 2 232 2 356 Report Date: 06/04/2012 AGGREGATE TABLE 4-2:DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME Page 2 of 2 DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For ETHNICITY,GENDER AND INCOME 7/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's HISPANIC OR LATINO(TOTAL) 13 756 8 570 3 170 2 16 MALE 5 222 2 183 1 23 2 16 FEMALE 2 102 1 51 1 51 JOINT(MALE/FEMALE) 6 432 5 336 1 96 NOT HISPANIC OR LATINO(TOTAL) 1108 135207 887 112183 47 5901 96 9191 71 7052 7 880 MALE 308 31232 234 24291 10 792 33 3331 29 2336 2 482 FEMALE 205 17633 159 14198 13 998 17 1030 13 1161 3 246 JOINT(MALE/FEMALE) 593 85993 494 73694 24 4111 45 4641 28 3395 2 152 JOINT(H ISPAN IC OR LATINO/NOT H ISPAN IC OR LATINO) 11 1203 6 583 2 348 3 272 (TOTAL) MALE FEMALE JOINT(MALE/FEMALE) 11 1203 6 583 2 348 3 272 ETHN ICITY NOT AVAILABLE(TOTAL)6/ 135 14810 100 10967 6 1030 18 1525 7 923 4 365 MALE 13 1920 4 706 1 270 5 536 2 323 1 85 FEMALE 2 108 1 100 1 8 JOINT(MALE/FEMALE) 15 2241 11 1653 2 232 2 356 MINORITY STATUS 8/18/19/ WHITE NON-HISPANIC(TOTAL) 1076 131660 866 109861 46 5804 90 8381 67 6734 7 880 MALE 300 30514 229 23722 10 792 32 3260 27 2258 2 482 FEMALE 201 17192 156 13979 13 998 16 808 13 1161 3 246 JOINT(MALE/FEMALE) 573 83605 481 72160 23 4014 41 4124 26 3155 2 152 OTHERS,INCLUDING HISPANIC(TOTAL) 55 5317 34 3375 11 1328 10 614 MALE 13 940 7 752 2 94 4 94 FEMALE 7 551 4 270 2 273 1 8 JOINT(MALE/FEMALE) 35 3826 23 2353 7 961 5 512 INCOME OF APPLICANTS 9/ LESS THAN 50%OF MSA/MD MEDIAN 153 9267 105 6747 1 60 31 1837 15 530 1 93 50-79%OF MSA/MD MEDIAN 297 24299 232 19342 14 864 28 2457 19 1327 4 309 80-99%OF MSA/MD MEDIAN 171 16961 130 13409 7 678 16 1331 16 1397 2 146 100-119%OF MSA/MD MEDIAN 111 13478 88 10854 7 669 8 1131 7 737 1 87 120%OR MORE OF MSA/MD MEDIAN 435 78456 358 65522 23 4592 28 3670 24 4115 2 557 INCOME NOT AVAILABLE 6/ 100 9515 88 8429 1 68 8 808 2 157 1 53 TOTAL 14/ 1267 151976 1001 124303 53 6931 119 11234 83 8263 11 1245 Report Date: 06/04/2012 AGGREGATE TABLE 4-3:DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY RACE, Page 1 of 2 ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For RACE AND GENDER 5/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's AMERICAN INDIAN/ALASKA NATIVE(TOTAL) 11 1941 5 745 3 266 1 103 2 827 MALE 8 1708 4 659 1 119 1 103 2 827 FEMALE 3 233 1 86 2 147 JOINT(MALE/FEMALE) ASIAN(TOTAL) 51 7385 31 4949 3 205 8 1025 6 752 3 454 MALE 12 2006 6 1036 3 571 2 232 1 167 FEMALE 7 497 5 309 1 98 1 90 JOINT(MALE/FEMALE) 32 4882 20 3604 3 205 4 356 3 430 2 287 BLACK OR AFRICAN AMERICAN(TOTAL) 8 875 3 308 3 317 2 250 MALE 2 130 1 55 1 75 FEMALE 5 570 2 253 3 317 JOINT(MALE/FEMALE) 1 175 1 175 NATIVE HAWAIIAN/OTHER PACIFIC ISLND(TOTAL) 3 364 1 121 2 243 MALE 1 150 1 150 FEMALE 1 93 1 93 JOINT(MALE/FEMALE) 1 121 1 121 WHITE(TOTAL) 5833 741969 3986 502514 254 31382 898 117033 538 70416 157 20624 MALE 1229 137393 746 81009 62 6552 242 30065 141 15818 38 3949 FEMALE 844 83591 509 48673 39 3344 165 17474 101 11470 30 2630 JOINT(MALE/FEMALE) 3746 518949 2724 372119 153 21486 487 68982 294 42662 88 13700 2 OR MORE MINORITY RACES(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) JOINT(WHITE/MINORITY RACE)(TOTAL) 51 6507 34 4365 3 338 9 1051 5 753 MALE 1 50 1 50 FEMALE 1 118 1 118 JOINT(MALE/FEMALE) 49 6339 34 4365 3 338 8 1001 4 635 RACE NOT AVAILABLE(TOTAL)6/ 381 68592 176 30254 18 1873 88 16107 73 16681 26 3677 MALE 44 6008 11 1888 2 203 15 1949 14 1528 2 440 FEMALE 24 2915 9 766 9 1064 5 894 1 191 JOINT(MALE/FEMALE) 68 10656 34 5310 3 360 12 2124 14 2063 5 799 Report Date: 06/04/2012 AGGREGATE TABLE 4-3:DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY RACE, Page 2 of 2 ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For ETHNICITY,GENDER AND INCOME 7/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's HISPANIC OR LATINO(TOTAL) 51 5263 24 2596 3 270 17 1672 7 725 MALE 25 2368 15 1313 1 80 8 837 1 138 FEMALE 6 738 2 208 2 339 2 191 JOINT(MALE/FEMALE) 20 2157 7 1075 2 190 7 496 4 396 NOT HISPANIC OR LATINO(TOTAL) 5827 743427 3999 505935 249 30636 889 115678 531 69470 159 21708 MALE 1223 138074 741 80869 61 6523 239 30012 140 15540 42 5130 FEMALE 855 84469 516 49169 38 3294 170 17802 102 11672 29 2532 JOINT(MALE/FEMALE) 3736 518910 2738 375453 149 20609 475 67189 287 41958 87 13701 JOINT(H ISPAN IC OR LATINO/NOT H ISPAN IC OR LATINO) 43 5614 25 2775 5 687 9 1703 3 377 1 72 (TOTAL) MALE FEMALE 1 256 1 256 JOINT(MALE/FEMALE) 42 5358 25 2775 5 687 8 1447 3 377 1 72 ETHN ICITY NOT AVAILABLE(TOTAL)6/ 417 73329 188 31950 21 2205 96 16989 84 18383 28 3802 MALE 49 7003 12 2465 2 152 16 2055 18 2078 1 253 FEMALE 23 2554 8 710 1 50 8 796 4 709 2 289 JOINT(MALE/FEMALE) 99 14697 43 6216 6 903 21 3331 22 3234 7 1013 MINORITY STATUS 8/18/19/ WHITE NON-HISPANIC(TOTAL) 5682 723071 3913 493612 242 29965 859 111921 516 67427 152 20146 MALE 1193 133314 728 78853 60 6437 232 29022 135 15053 38 3949 FEMALE 831 82101 503 48068 38 3294 161 16838 100 11369 29 2532 JOINT(MALE/FEMALE) 3648 506208 2678 366247 144 20234 462 65549 280 40858 84 13320 OTHERS,INCLUDING HISPANIC(TOTAL) 215 27739 121 15739 14 1500 51 6277 23 2870 6 1353 MALE 49 6412 26 3063 1 80 14 1727 5 548 3 994 FEMALE 23 2415 10 856 10 1250 3 309 JOINT(MALE/FEMALE) 143 18912 85 11820 13 1420 27 3300 15 2013 3 359 INCOME OF APPLICANTS 9/ LESS THAN 50%OF MSA/MD MEDIAN 433 32119 219 14404 17 1216 146 12271 39 3287 12 941 50-79%OF MSA/MD MEDIAN 1103 96519 652 54119 57 4821 220 20959 139 13532 35 3088 80-99%OF MSA/MD MEDIAN 899 95774 555 55923 35 3645 173 20533 103 11412 33 4261 100-119%OF MSA/MD MEDIAN 698 77624 480 50689 46 4777 97 12566 55 6605 20 2987 120%OR MORE OF MSA/MD MEDIAN 2834 463461 2064 326007 109 17767 330 64103 249 42175 82 13409 INCOME NOT AVAILABLE 6/ 371 62136 266 42114 14 1572 45 5610 40 11944 6 896 TOTAL 14/ 6338 827633 4236 543256 278 33798 1011 136042 625 88955 188 25582 Report Date: 06/04/2012 AGGREGATE TABLE 4-4 DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY Page 1 of 2 RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For RACE AND GENDER 5/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's AMERICAN INDIAN/ALASKA NATIVE(TOTAL) 2 32 1 2 1 30 MALE 1 2 1 2 FEMALE 1 30 1 30 JOINT(MALE/FEMALE) ASIAN(TOTAL) 9 609 6 421 2 137 1 51 MALE 3 267 2 133 1 134 FEMALE JOINT(MALE/FEMALE) 6 342 4 288 1 3 1 51 BLACK OR AFRICAN AMERICAN(TOTAL) 6 239 4 171 2 68 MALE 2 90 1 25 1 65 FEMALE 4 149 3 146 1 3 JOINT(MALE/FEMALE) NATIVE HAWAIIAN/OTHER PACIFIC ISLND(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) WHITE(TOTAL) 545 29048 386 21715 21 1145 103 3892 29 1991 6 305 MALE 124 4822 79 3243 5 94 31 1185 5 39 4 261 FEMALE 111 4709 66 3008 6 418 34 1088 5 195 JOINT(MALE/FEMALE) 310 19517 241 15464 10 633 38 1619 19 1757 2 44 2 OR MORE MINORITY RACES(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) JOINT(WHITE/MINORITY RACE)(TOTAL) 3 296 3 296 MALE FEMALE JOINT(MALE/FEMALE) 3 296 3 296 RACE NOT AVAILABLE(TOTAL)6/ 28 2592 19 2121 1 4 6 237 2 230 MALE FEMALE JOINT(MALE/FEMALE) 3 346 2 226 1 120 Report Date: 06/04/2012 AGGREGATE TABLE 4-4 DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY Page of RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For ETHNICITY,GENDER AND INCOME 7/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's HISPANIC OR LATINO(TOTAL) 7 197 5 50 2 147 MALE 5 179 3 32 2 147 FEMALE JOINT(MALE/FEMALE) 2 18 2 18 NOT HISPANIC OR LATINO(TOTAL) 548 29317 392 22219 23 1282 100 3671 27 1840 6 305 MALE 124 4902 80 3371 6 228 29 1003 5 39 4 261 FEMALE 114 4754 69 3154 6 418 35 1086 4 96 JOINT(MALE/FEMALE) 310 19661 243 15694 11 636 36 1582 18 1705 2 44 JOINT(H ISPAN IC OR LATINO/NOT H ISPAN IC OR LATINO) 4 239 3 235 1 4 (TOTAL) MALE FEMALE JOINT(MALE/FEMALE) 4 239 3 235 1 4 ETHN ICITY NOT AVAILABLE(TOTAL)6/ 34 3063 19 2222 1 4 10 456 4 381 MALE 1 100 1 100 FEMALE 2 134 1 35 1 99 JOINT(MALE/FEMALE) 6 583 2 327 3 204 1 52 MINORITY STATUS 8/18/19/ WHITE NON-HISPANIC(TOTAL) 528 28141 378 21329 21 1145 96 3522 27 1840 6 305 MALE 118 4543 76 3211 5 94 28 938 5 39 4 261 FEMALE 109 4575 66 3008 6 418 33 1053 4 96 JOINT(MALE/FEMALE) 301 19023 236 15110 10 633 35 1531 18 1705 2 44 OTHERS,INCLUDING HISPANIC(TOTAL) 31 1612 22 1175 2 137 7 300 MALE 11 538 7 192 1 134 3 212 FEMALE 5 179 3 146 2 33 JOINT(MALE/FEMALE) 15 895 12 837 1 3 2 55 INCOME OF APPLICANTS 9/ LESS THAN 50%OF MSA/MD MEDIAN 63 2414 28 1001 3 48 28 1110 3 185 1 70 50-79%OF MSA/MD MEDIAN 125 5951 88 4379 3 78 27 976 5 332 2 186 80-99%OF MSA/MD MEDIAN 86 3825 60 3253 5 49 14 320 6 198 1 5 100-119%OF MSA/MD MEDIAN 69 3130 49 2119 3 280 11 303 6 428 120%OR MORE OF MSA/MD MEDIAN 238 15647 186 12485 9 596 30 1444 11 1078 2 44 INCOME NOT AVAILABLE 6/ 12 1849 8 1489 1 235 3 125 TOTAL 14/ 593 32816 419 24726 24 1286 113 4278 31 2221 6 305 Report Date: 06/04/2012 AGGREGATE TABLE 4-5:DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES,BY RACE,ETHNICITY,GENDER AND Page 1 of 2 INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For RACE AND GENDER 5/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's AMERICAN INDIAN/ALASKA NATIVE(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) ASIAN(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) BLACK OR AFRICAN AMERICAN(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) NATIVE HAWAIIAN/OTHER PACIFIC ISLND(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) WHITE(TOTAL) 5 6269 4 6022 1 247 MALE 3 5144 2 4897 1 247 FEMALE JOINT(MALE/FEMALE) 2 1125 2 1125 2 OR MORE MINORITY RACES(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) JOINT(WHITE/MINORITY RACE)(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) RACE NOT AVAILABLE(TOTAL)6/ 30 70990 23 31254 3 11111 2 3190 2 25435 MALE FEMALE JOINT(MALE/FEMALE) Report Date: 06/04/2012 AGGREGATE TABLE 4-5:DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES,BY RACE,ETHNICITY,GENDER AND Page 2 of 2 INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For ETHNICITY,GENDER AND INCOME 7/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's HISPANIC OR LATINO(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) NOT HISPANIC OR LATINO(TOTAL) 5 6269 4 6022 1 247 MALE 3 5144 2 4897 1 247 FEMALE JOINT(MALE/FEMALE) 2 1125 2 1125 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) (TOTAL) MALE FEMALE JOINT(MALE/FEMALE) ETHN ICITY NOT AVAILABLE(TOTAL)6/ 30 70990 23 31254 3 11111 2 3190 2 25435 MALE FEMALE JOINT(MALE/FEMALE) MINORITY STATUS 8/18/19/ WHITE NON-HISPANIC(TOTAL) 5 6269 4 6022 1 247 MALE 3 5144 2 4897 1 247 FEMALE JOINT(MALE/FEMALE) 2 1125 2 1125 OTHERS,INCLUDING HISPANIC(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) INCOME OF APPLICANTS 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/ 35 77259 27 37276 3 11111 2 3190 2 25435 1 247 TOTAL 14/ 35 77259 27 37276 3 11111 2 3190 2 25435 1 247 Report Date: 06/04/2012 AGGREGATE TABLE 4-6 DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS, Page 1 of 2 1-TO4-FAM ILY AND MANUFACTURED HOME DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For RACE AND GENDER 5/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's AMERICAN INDIAN/ALASKA NATIVE(TOTAL) 1 30 1 30 MALE 1 30 1 30 FEMALE JOINT(MALE/FEMALE) ASIAN(TOTAL) 3 224 2 153 1 71 MALE 2 142 1 71 1 71 FEMALE JOINT(MALE/FEMALE) 1 82 1 82 BLACK OR AFRICAN AMERICAN(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) NATIVE HAWAIIAN/OTHER PACIFIC ISLND(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) WHITE(TOTAL) 421 44607 282 28772 15 1390 86 10538 31 3389 7 518 MALE 126 10411 83 5971 6 355 22 2922 11 884 4 279 FEMALE 39 4168 20 2504 2 215 13 1144 3 267 1 38 JOINT(MALE/FEMALE) 256 30028 179 20297 7 820 51 6472 17 2238 2 201 2 OR MORE MINORITY RACES(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) JOINT(WHITE/MINORITY RACE)(TOTAL) 3 434 2 114 1 320 MALE FEMALE JOINT(MALE/FEMALE) 3 434 2 114 1 320 RACE NOT AVAILABLE(TOTAL)6/ 146 28756 120 19202 4 336 14 1523 6 7335 2 360 MALE 3 250 1 89 1 86 1 75 FEMALE 2 133 1 93 1 40 JOINT(MALE/FEMALE) 6 1133 1 69 1 112 3 722 1 230 Report Date: 06/04/2012 AGGREGATE TABLE 4-6 DISPOSITION OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS, Page 2 of 2 1-TO4-FAM ILY AND MANUFACTURED HOME DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For ETHNICITY,GEN D ER AN D INCOM E 7/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's HISPANIC OR LATINO(TOTAL) 7 533 3 235 1 91 2 115 1 92 MALE 4 258 3 235 1 23 FEMALE JOINT(MALE/FEMALE) 3 275 1 91 1 92 1 92 NOT HISPANIC OR LATINO(TOTAL) 415 44177 280 28384 15 1385 83 10378 30 3512 7 518 MALE 126 10250 82 5676 7 441 22 2970 11 884 4 279 FEMALE 39 4168 20 2504 2 215 13 1144 3 267 1 38 JOINT(MALE/FEMALE) 250 29759 178 20204 6 729 48 6264 16 2361 2 201 JOINT(H ISPAN IC OR LATINO/NOT H ISPAN IC OR LATINO) 6 586 4 289 2 297 (TOTAL) MALE FEMALE JOINT(MALE/FEMALE) 6 586 4 289 2 297 ETHN ICITY NOT AVAILABLE(TOTAL)6/ 146 28755 120 19363 3 250 14 1342 7 7440 2 360 MALE 2 325 1 250 1 75 FEMALE 2 133 1 93 1 40 JOINT(MALE/FEMALE) 7 1057 1 69 1 112 3 541 1 105 1 230 MINORITY STATUS 8/18/19/ WHITE NON-HISPANIC(TOTAL) 406 43120 275 28087 14 1299 81 10024 29 3192 7 518 MALE 122 9992 80 5575 6 355 21 2899 11 884 4 279 FEMALE 39 4168 20 2504 2 215 13 1144 3 267 1 38 JOINT(MALE/FEMALE) 245 28960 175 20008 6 729 47 5981 15 2041 2 201 OTHERS,INCLUDING HISPANIC(TOTAL) 20 1807 12 821 1 91 5 483 2 412 MALE 7 430 5 336 2 94 FEMALE JOINT(MALE/FEMALE) 13 1377 7 485 1 91 3 389 2 412 INCOME OF APPLICANTS 9/ LESS THAN 50%OF MSA/MD MEDIAN 18 1303 10 643 7 580 1 80 50-79%OF MSA/MD MEDIAN 41 2677 24 1345 2 149 13 1075 1 35 1 73 80-99%OF MSA/MD MEDIAN 62 5131 36 2809 2 96 13 1276 10 882 1 68 100-119%OF MSA/MD MEDIAN 45 3927 30 2539 2 62 10 1161 2 127 1 38 120%OR MORE OF MSA/MD MEDIAN 274 34519 189 22280 11 1277 48 7463 21 2874 5 625 INCOME NOT AVAILABLE 6/ 134 26494 118 18655 2 142 10 577 3 7046 1 74 TOTAL 14/ 574 74051 407 48271 19 1726 101 12132 38 11044 9 878 Report Date: 06/04/2012 AGGREGATE TABLE 4-7:DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS,MANUFACTURED HOME Page 1 of 2 DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For RACE AND GENDER 5/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's AMERICAN INDIAN/ALASKA NATIVE(TOTAL) 3 48 1 8 1 32 1 8 MALE FEMALE 1 8 1 8 JOINT(MALE/FEMALE) 2 40 1 8 1 32 ASIAN(TOTAL) 1 27 1 27 MALE FEMALE JOINT(MALE/FEMALE) 1 27 1 27 BLACK OR AFRICAN AMERICAN(TOTAL) 1 35 1 35 MALE 1 35 1 35 FEMALE JOINT(MALE/FEMALE) NATIVE HAWAIIAN/OTHER PACIFIC ISLND(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) WHITE(TOTAL) 58 1687 32 946 2 33 14 488 10 220 MALE 10 162 6 101 1 5 3 56 FEMALE 18 478 8 145 2 33 6 235 2 65 JOINT(MALE/FEMALE) 30 1047 18 700 7 248 5 99 2 OR MORE MINORITY RACES(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) JOINT(WHITE/MINORITY RACE)(TOTAL) MALE FEMALE JOINT(MALE/FEMALE) RACE NOT AVAILABLE(TOTAL)6/ 4 59 1 30 1 10 2 19 MALE 1 3 1 3 FEMALE JOINT(MALE/FEMALE) 2 46 1 30 1 16 Report Date: 06/04/2012 AGGREGATE TABLE 4-7:DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS,MANUFACTURED HOME Page 2 of 2 DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For ETHNICITY,GENDER AND INCOME 7/18/19/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's HISPANIC OR LATINO(TOTAL) 5 80 2 36 1 28 2 16 MALE 2 16 2 16 FEMALE JOINT(MALE/FEMALE) 3 64 2 36 1 28 NOT HISPANIC OR LATINO(TOTAL) 55 1656 31 947 2 33 13 457 9 219 MALE 10 184 6 101 1 5 3 78 FEMALE 17 443 8 145 2 33 5 200 2 65 JOINT(MALE/FEMALE) 28 1029 17 701 7 252 4 76 JOINT(H ISPAN IC OR LATINO/NOT H ISPAN IC OR LATINO) 2 44 1 21 1 23 (TOTAL) MALE FEMALE JOINT(MALE/FEMALE) 2 44 1 21 1 23 ETHN ICITY NOT AVAILABLE(TOTAL)6/ 5 76 1 7 2 45 2 24 MALE FEMALE 2 43 1 35 1 8 JOINT(MALE/FEMALE) 2 23 1 7 1 16 MINORITY STATUS 8/18/19/ WHITE NON-HISPANIC(TOTAL) 51 1554 29 912 2 33 12 425 8 184 MALE 9 149 6 101 1 5 2 43 FEMALE 17 443 8 145 2 33 5 200 2 65 JOINT(MALE/FEMALE) 25 962 15 666 6 220 4 76 OTHERS,INCLUDING HISPANIC(TOTAL) 12 234 5 92 2 60 5 82 MALE 3 51 3 51 FEMALE 1 8 1 8 JOINT(MALE/FEMALE) 8 175 5 92 2 60 1 23 INCOME OF APPLICANTS 9/ LESS THAN 50%OF MSA/MD MEDIAN 25 334 11 135 6 102 8 97 50-79%OF MSA/MD MEDIAN 27 877 17 519 1 13 5 215 4 130 80-99%OF MSA/MD MEDIAN 6 134 2 34 1 20 2 57 1 23 100-119%OF MSA/MD MEDIAN 1 32 1 32 120%OR MORE OF MSA/MD MEDIAN 7 364 5 323 2 41 INCOME NOT AVAILABLE 6/ 1 115 1 115 TOTAL 14/ 67 1856 35 1011 2 33 16 530 14 282 Report Date: 06/04/2012 AGGREGATE TABLE 5-1:DISPOSITION OF APPLICATIONS FOR FHA,FSA/RHS,AND VA HOME-PURCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED Page 1 of 3 HOME DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHNICITY Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's LESS THAN 50%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 84 6160 52 3979 4 269 18 1274 7 497 3 141 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 5 493 4 460 1 33 ETHNICITY 7/ H SPAN IC OR LATINO 3 186 1 95 2 91 NOT HISPANIC OR LATINO 81 5872 51 3884 4 269 15 1048 8 530 3 141 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 5 595 5 595 MINORITY STATUS 8/ WH ITE NON-HISPANIC 80 5839 51 3884 4 269 15 1048 7 497 3 141 OTHERS,INCLUDING HISPANIC 3 186 1 95 2 91 50-79%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 3 260 2 233 1 27 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 145 14492 109 11189 6 451 23 2302 7 550 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 4 348 2 178 1 73 1 97 ETHNICITY 7/ H SPAN IC OR LATINO 3 298 2 225 1 73 NOT HISPANIC OR LATINO 144 14197 109 11108 6 451 21 2061 8 577 J0INT(HISPANIC OR LATINO/NOT HISPANIC OR 3 355 1 114 2 241 LATINO) ETHNICITY NOT AVAILABLE 6/ 2 250 1 153 1 97 MINORITY STATUS 8/ WH ITE NON-HISPANIC 139 13759 105 10697 6 451 21 2061 7 550 OTHERS,INCLUDING HISPANIC 9 913 5 572 3 314 1 27 Report Date: 06/04/2012 AGGREGATE TABLE 5-1:DISPOSITION OF APPLICATIONS FOR FHA,FSA/RHS,AND VA HOME-PURCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED Page of HOME DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHNICITY(CONTINUED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 80-99%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 281 2 281 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 94 10730 69 7908 4 434 13 1413 8 975 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 2 224 2 224 RACE NOT AVAILABLE 6/ 1 48 1 48 ETHNICITY 7/ H SPAN IC OR LATINO NOT HISPANIC OR LATINO 96 10956 71 8134 4 434 13 1413 8 975 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 2 279 2 279 LATINO) ETHNICITY NOT AVAILABLE 6/ 1 48 1 48 MINORITY STATUS 8/ WH ITE NON-HISPANIC 92 10451 67 7629 4 434 13 1413 8 975 OTHERS,INCLUDING HISPANIC 6 784 6 784 100-119%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 312 1 156 1 156 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 48 6269 40 5566 7 591 1 112 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 2 244 2 244 ETHNICITY 7/ H SPAN IC OR LATINO 2 224 1 112 1 112 NOT HISPANIC OR LATINO 49 6469 41 5722 8 747 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 132 1 132 MINORITY STATUS 8/ WH ITE NON-HISPANIC 46 6045 39 5454 7 591 OTHERS,INCLUDING HISPANIC 4 536 2 268 1 156 1 112 Report Date: 06/04/2012 AGGREGATE TABLE 5-1:DISPOSITION OF APPLICATIONS FOR FHA,FSA/RHS,AND VA HOME-PURCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED Page of HOME DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHNICITY(CONTINUED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 120%OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN 1 140 1 140 NATIVE HAWAIIAN/OTHER PACIFIC ISLND 1 154 1 154 WHITE 94 15616 71 12122 5 899 11 1565 6 870 1 160 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 88 1 88 ETHNICITY 7/ H SPAN IC OR LATINO 1 120 1 120 NOT HISPANIC OR LATINO 95 15790 71 12142 5 899 11 1565 7 1024 1 160 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 88 1 88 MINORITY STATUS 8/ WH ITE NON-HISPANIC 93 15496 70 12002 5 899 11 1565 6 870 1 160 OTHERS,INCLUDING HISPANIC 3 414 2 260 1 154 TOTAL 14/ 494 56411 357 42679 19 2053 81 8063 32 3203 5 413 Report Date: 06/04/2012 AGGREGATE TABLE 5-2:DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME Page 1 of 3 DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHNICITY Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's LESS THAN 50%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 16 1 8 1 8 ASIAN 4 338 2 185 1 110 1 43 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND 1 42 1 42 WHITE 138 8431 98 6225 1 60 27 1593 11 460 1 93 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 8 440 3 287 3 134 2 19 ETHNICITY 7/ H SPAN IC OR LATINO 5 124 2 57 1 51 2 16 NOT HISPANIC OR LATINO 134 8303 96 6119 1 60 25 1541 11 490 1 93 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 2 149 2 149 LATINO) ETHNICITY NOT AVAILABLE 6/ 12 691 5 422 5 245 2 24 MINORITY STATUS 8/ WH ITE NON-HISPANIC 128 7915 92 5884 1 60 24 1431 10 447 1 93 OTHERS,INCLUDING HISPANIC 14 669 8 441 2 161 4 67 50-79%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 120 1 88 1 32 ASIAN 7 726 5 539 1 71 1 116 BLACK OR AFRICAN AMERICAN 1 35 1 35 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 276 22629 220 18423 13 765 23 2036 16 1096 4 309 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 84 1 84 RACE NOT AVAILABLE 6/ 10 705 5 208 1 99 3 318 1 80 ETHNICITY 7/ H SPAN IC OR LATINO 5 301 4 278 1 23 NOT HISPANIC OR LATINO 279 22920 223 18822 12 665 23 1962 18 1247 3 224 J0INT(HISPANIC OR LATINO/NOT HISPANIC OR 1 64 1 64 LATINO) ETHNICITY NOT AVAILABLE 6/ 12 1014 4 178 2 199 4 472 1 80 1 85 MINORITY STATUS 8/ WH ITE NON-HISPANIC 268 21955 216 18111 12 665 21 1859 16 1096 3 224 OTHERS,INCLUDING HISPANIC 17 1330 12 1053 3 126 2 151 Report Date: 06/04/2012 AGGREGATE TABLE 5-2:DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PU RCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME Page of DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 80-99%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 164 2 164 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 166 16485 126 13030 6 581 16 1331 16 1397 2 146 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 3 312 2 215 1 97 ETHNICITY 7/ H SPAN IC OR LATINO 1 58 1 58 NOT HISPANIC OR LATINO 165 16244 127 13136 7 678 15 1205 14 1079 2 146 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 1 23 1 23 LATINO) ETHNICITY NOT AVAILABLE 6/ 4 636 2 215 1 126 1 295 MINORITY STATUS 8/ WHITE NON-HISPANIC 162 15983 125 12972 6 581 15 1205 14 1079 2 146 OTHERS,INCLUDING HISPANIC 4 245 3 222 1 23 100-119%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 38 1 38 ASIAN 2 333 1 178 1 155 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 103 12441 84 10457 6 579 5 581 7 737 1 87 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 220 1 220 RACE NOT AVAILABLE 6/ 4 446 2 181 1 90 1 175 ETHNICITY 7/ H SPAN IC OR LATINO 1 96 1 96 NOT HISPANIC OR LATINO 105 12797 86 10621 6 579 6 860 7 737 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 1 152 1 152 LATINO) ETHNICITY NOT AVAILABLE 6/ 4 433 1 81 1 90 1 175 1 87 MINORITY STATUS 8/ WH ITE NON-HISPANIC 100 12106 83 10305 6 579 4 485 7 737 OTHERS,INCLUDING HISPANIC 6 839 3 368 3 471 Report Date: 06/04/2012 AGGREGATE TABLE 5-2:DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PU RCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME Page of DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 120%OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 3 584 3 584 BLACK OR AFRICAN AMERICAN 2 342 1 120 1 222 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 404 71974 334 60493 22 4189 26 3380 21 3495 1 417 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 2 316 1 192 1 124 RACE NOT AVAILABLE 6/ 24 5240 19 4133 1 403 1 68 2 496 1 140 ETHNICITY 7/ H SPAN IC OR LATINO 1 177 1 177 NOT HISPANIC OR LATINO 401 71776 335 60844 21 3919 25 3254 19 3342 1 417 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 6 815 2 218 2 348 2 249 LATINO) ETHNICITY NOT AVAILABLE 6/ 27 5688 20 4283 2 673 1 68 3 524 1 140 MINORITY STATUS 8/ WH ITE NON-HISPANIC 394 70534 330 59948 21 3919 24 3032 18 3218 1 417 OTHERS,INCLUDING HISPANIC 14 2234 8 1291 3 570 3 373 TOTAL 14/ 1267 151976 1001 124303 53 6931 119 11234 83 8263 11 1245 Report Date: 06/04/2012 AGGREGATE TABLE 5-3:DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1-TO4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY INCOME, Page 1 of 3 RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHNICITY Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's LESS THAN 50%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 88 1 30 1 58 ASIAN 6 412 4 269 1 85 1 58 BLACK OR AFRICAN AMERICAN 1 125 1 125 NATIVE HAWAIIAN/OTHER PACIFIC ISLND 1 93 1 93 WHITE 393 28849 206 13574 17 1216 130 10778 32 2722 8 559 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 30 2552 8 531 12 1132 6 507 4 382 ETHNICITY 7/ H SPAN IC OR LATINO 4 380 2 139 2 241 NOT HISPANIC OR LATINO 396 29038 210 13808 15 1131 130 10760 33 2780 8 559 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 33 2701 7 457 2 85 14 1270 6 507 4 382 MINORITY STATUS 8/ WHITE NON-HISPANIC 385 28246 204 13435 15 1131 126 10399 32 2722 8 559 OTHERS,INCLUDING HISPANIC 14 1098 7 438 6 602 1 58 50-79%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 222 1 119 1 103 ASIAN 4 243 1 29 1 39 1 85 1 90 BLACK OR AFRICAN AMERICAN 4 406 1 139 2 192 1 75 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 1027 89674 629 52316 51 4399 190 17998 125 12206 32 2755 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 7 665 3 196 1 145 3 324 RACE NOT AVAILABLE 6/ 59 5309 18 1439 4 238 23 2241 11 1058 3 333 ETHNICITY 7/ H SPAN IC OR LATINO 19 1765 7 645 2 179 8 750 2 191 NOT HISPANIC OR LATINO 1017 88595 623 51739 52 4490 186 17563 125 12146 31 2657 J0INT(HISPANIC OR LATINO/NOT HISPANIC OR 2 145 2 145 LATINO) ETHNICITY NOT AVAILABLE 6/ 65 6014 20 1590 3 152 26 2646 12 1195 4 431 MINORITY STATUS 8/ WHITE NON-HISPANIC 997 86720 616 51175 49 4220 178 16700 123 11968 31 2657 OTHERS,INCLUDING HISPANIC 36 3281 13 1079 4 363 15 1470 4 369 Report Date: 06/04/2012 AGGREGATE TABLE 5-3:DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1-TO4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY INCOME, Page 2 of 3 RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 80-99%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 89 1 89 ASIAN 10 1221 8 986 1 80 1 155 BLACK OR AFRICAN AMERICAN 1 55 1 55 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 838 88886 528 52954 34 3607 159 18954 91 10221 26 3150 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 7 590 6 540 1 50 RACE NOT AVAILABLE 6/ 42 4933 12 1388 1 38 11 1360 12 1191 6 956 ETHNICITY 7/ H SPAN IC OR LATINO 6 477 3 232 1 67 2 178 NOT HISPANIC OR LATINO 842 89608 536 53966 33 3514 160 18989 85 9648 28 3491 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 6 700 2 189 1 93 2 285 1 133 LATINO) ETHNICITY NOT AVAILABLE 6/ 45 4989 14 1536 1 38 10 1192 15 1453 5 770 MINORITY STATUS 8/ WHITE NON-HISPANIC 820 87181 522 52457 33 3514 155 18507 85 9648 25 3055 OTHERS,INCLUDING HISPANIC 31 3132 20 2002 1 93 6 571 3 311 1 155 100-119%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 86 1 86 ASIAN 4 471 3 415 1 56 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 657 73122 458 48351 44 4638 87 11266 48 5880 20 2987 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 6 785 4 556 1 111 1 118 RACE NOT AVAILABLE 6/ 30 3160 14 1281 1 83 9 1189 6 607 ETHNICITY 7/ H SPAN IC OR LATINO 4 488 1 105 2 257 1 126 NOT HISPANIC OR LATINO 655 72935 460 48790 43 4486 84 10800 48 5872 20 2987 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 7 859 4 423 2 208 1 228 LATINO) ETHNICITY NOT AVAILABLE 6/ 32 3342 15 1371 1 83 10 1281 6 607 MINORITY STATUS 8/ WHITE NON-HISPANIC 643 71465 451 47605 42 4430 83 10689 47 5754 20 2987 OTHERS,INCLUDING HISPANIC 22 2689 13 1585 3 264 4 596 2 244 Report Date: 06/04/2012 AGGREGATE TABLE 5-3:DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1-TO4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY INCOME, Page 3 of 3 RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 120%OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 834 1 417 1 417 ASIAN 25 4808 14 3118 1 110 4 677 4 604 2 299 BLACK OR AFRICAN AMERICAN 1 175 1 175 NATIVE HAWAIIAN/OTHER PACIFIC ISLND 2 271 1 121 1 150 WHITE 2620 423390 1954 308211 94 15950 292 52929 213 35470 67 10830 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 28 4160 20 2991 2 193 4 566 2 410 RACE NOT AVAILABLE 6/ 156 29823 74 11149 12 1514 29 9781 29 5516 12 1863 ETHNICITY 7/ H SPAN IC OR LATINO 15 1853 9 1313 1 91 4 357 1 92 NOT HISPANIC OR LATINO 2618 425011 1959 310791 92 15443 290 52496 210 35020 67 11261 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 26 3737 16 1914 2 386 5 1121 2 244 1 72 LATINO) ETHNICITY NOT AVAILABLE 6/ 175 32860 80 11989 14 1847 31 10129 36 6819 14 2076 MINORITY STATUS 8/ WHITE NON-HISPANIC 2548 412595 1915 302742 89 15098 279 50654 201 33556 64 10545 OTHERS,INCLUDING HISPANIC 98 15793 60 9829 6 780 18 2871 10 1525 4 788 TOTAL 14/ 6338 827633 4236 543256 278 33798 1011 136042 625 88955 188 25582 Report Date: 06/04/2012 AGGREGATE TABLE 5-4 DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY Page 1 of 3 INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHNICITY Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's LESS THAN 50%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 51 1 51 BLACK OR AFRICAN AMERICAN 1 65 1 65 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 60 2235 27 938 3 48 26 994 3 185 1 70 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 63 1 63 ETHNICITY 7/ H SPAN IC OR LATINO 1 11 1 11 NOT HISPANIC OR LATINO 58 2067 27 938 3 48 25 925 2 86 1 70 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 4 336 1 63 2 174 1 99 MINORITY STATUS 8/ WH ITE NON-HISPANIC 56 1951 27 938 3 48 23 809 2 86 1 70 OTHERS,INCLUDING HISPANIC 3 127 3 127 50-79%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 30 1 30 ASIAN 1 5 1 5 BLACK OR AFRICAN AMERICAN 2 132 2 132 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 113 5343 81 3942 2 74 23 809 5 332 2 186 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 68 1 68 RACE NOT AVAILABLE 6/ 7 373 3 232 1 4 3 137 ETHNICITY 7/ H SPAN IC OR LATINO 2 146 1 10 1 136 NOT HISPANIC OR LATINO 113 5194 83 3938 2 74 21 664 5 332 2 186 J0INT(HISPANIC OR LATINO/NOT HISPANIC OR 2 203 1 199 1 4 LATINO) ETHNICITY NOT AVAILABLE 6/ 8 408 3 232 1 4 4 172 MINORITY STATUS 8/ WH ITE NON-HISPANIC 108 4959 79 3733 2 74 20 634 5 332 2 186 OTHERS,INCLUDING HISPANIC 9 584 6 414 3 170 Report Date: 06/04/2012 AGGREGATE TABLE 5-4 DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY Page 2 of 3 INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 80-99%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 3 1 3 BLACK OR AFRICAN AMERICAN 1 3 1 3 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 79 3676 57 3155 4 46 12 292 5 178 1 5 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 20 1 20 RACE NOT AVAILABLE 6/ 4 123 2 78 1 25 1 20 ETHNICITY 7/ H SPAN IC OR LATINO 1 7 1 7 NOT HISPANIC OR LATINO 81 3695 57 3168 5 49 13 295 5 178 1 5 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 4 123 2 78 1 25 1 20 MINORITY STATUS 8/ WH ITE NON-HISPANIC 78 3669 56 3148 4 46 12 292 5 178 1 5 OTHERS,INCLUDING HISPANIC 4 33 2 27 1 3 1 3 100-119%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 66 2907 47 2106 3 280 11 303 5 218 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 3 223 2 13 1 210 ETHNICITY 7/ H SPAN IC OR LATINO 1 4 1 4 NOT HISPANIC OR LATINO 65 2903 46 2102 3 280 11 303 5 218 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 3 223 2 13 1 210 MINORITY STATUS 8/ WH ITE NON-HISPANIC 65 2903 46 2102 3 280 11 303 5 218 OTHERS,INCLUDING HISPANIC 1 4 1 4 Report Date: 06/04/2012 AGGREGATE TABLE 5-4 DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY Page 3 of 3 INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 120%OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 2 1 2 ASIAN 6 550 5 416 1 134 BLACK OR AFRICAN AMERICAN 2 39 2 39 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 222 14422 171 11394 8 462 30 1444 11 1078 2 44 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 208 1 208 RACE NOT AVAILABLE 6/ 6 426 6 426 ETHNICITY 7/ H SPAN IC OR LATINO 2 29 2 29 NOT HISPANIC OR LATINO 226 14993 176 11893 9 596 29 1434 10 1026 2 44 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 2 36 2 36 LATINO) ETHNICITY NOT AVAILABLE 6/ 8 589 6 527 1 10 1 52 MINORITY STATUS 8/ WHITE NON-HISPANIC 216 14194 167 11228 8 462 29 1434 10 1026 2 44 OTHERS,INCLUDING HISPANIC 14 864 13 730 1 134 TOTAL 14/ 593 32816 419 24726 24 1286 113 4278 31 2221 6 305 Report Date: 06/04/2012 AGGREGATE TABLE 5-6 DISPOSITION OF APPLICATIONS FROM NONOCCU PANTS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS, Page 1 of 3 1-TO4-FAM ILY AND MANUFACTURED HOME DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHNICITY Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's LESS THAN 50%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 30 1 30 ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 16 1204 8 544 7 580 1 80 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 69 1 69 ETHNICITY 7/ H SPAN IC OR LATINO NOT HISPANIC OR LATINO 17 1234 9 574 7 580 1 80 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 69 1 69 MINORITY STATUS 8/ WH ITE NON-HISPANIC 16 1204 8 544 7 580 1 80 OTHERS,INCLUDING HISPANIC 1 30 1 30 50-79%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 71 1 71 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 37 2458 23 1323 1 63 11 964 1 35 1 73 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 3 148 1 22 1 86 1 40 ETHNICITY 7/ H SPAN IC OR LATINO 2 57 1 34 1 23 NOT HISPANIC OR LATINO 37 2558 22 1289 2 149 11 1012 1 35 1 73 J0INT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 62 1 22 1 40 MINORITY STATUS 8/ WH ITE NON-HISPANIC 35 2401 22 1289 1 63 10 941 1 35 1 73 OTHERS,INCLUDING HISPANIC 3 128 1 34 2 94 Report Date: 06/04/2012 AGGREGATE TABLE 5-6 DISPOSITION OF APPLICATIONS FROM NONOCCU PANTS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS, Page 2 of 3 1-TO4-FAM ILY AND MANUFACTURED HOME DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RAC E AN D ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 80-99%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 71 1 71 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 59 4923 35 2738 2 96 12 1221 9 800 1 68 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 2 137 1 55 1 82 ETHNICITY 7/ H SPAN IC OR LATINO NOT HISPANIC OR LATINO 60 4994 36 2809 2 96 12 1221 9 800 1 68 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 137 1 55 1 82 MINORITY STATUS 8/ WH ITE NON-HISPANIC 59 4923 35 2738 2 96 12 1221 9 800 1 68 OTHERS,INCLUDING HISPANIC 1 71 1 71 100-119%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 42 3625 29 2487 2 62 9 986 1 52 1 38 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 3 302 1 52 1 175 1 75 ETHNICITY 7/ H SPAN IC OR LATINO NOT HISPANIC OR LATINO 40 3300 28 2390 2 62 8 758 1 52 1 38 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 2 325 1 97 1 228 LATINO) ETHNICITY NOT AVAILABLE 6/ 3 302 1 52 1 175 1 75 MINORITY STATUS 8/ WH ITE NON-HISPANIC 40 3300 28 2390 2 62 8 758 1 52 1 38 OTHERS,INCLUDING HISPANIC 2 325 1 97 1 228 Report Date: 06/04/2012 AGGREGATE TABLE 5-6 DISPOSITION OF APPLICATIONS FROM NONOCCU PANTS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS, Page 3 of 3 1-TO4-FAM ILY AND MANUFACTURED HOME DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RAC E AN D ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 120%OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 82 1 82 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 252 31048 178 20838 9 1095 43 6428 19 2422 3 265 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 3 434 2 114 1 320 RACE NOT AVAILABLE 6/ 18 2955 8 1246 2 182 5 1035 1 132 2 360 ETHNICITY 7/ H SPAN IC OR LATINO 4 364 1 89 1 91 1 92 1 92 NOT HISPANIC OR LATINO 248 30923 177 20592 8 1004 42 6517 18 2545 3 265 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 3 192 3 192 LATINO) ETHNICITY NOT AVAILABLE 6/ 19 3040 8 1407 2 182 5 854 2 237 2 360 MINORITY STATUS 8/ WHITE NON-HISPANIC 243 30124 174 20396 8 1004 41 6234 17 2225 3 265 OTHERS,INCLUDING HISPANIC 11 1072 7 477 1 91 1 92 2 412 TOTAL 14/ 574 74051 407 48271 19 1726 101 12132 38 11044 9 878 Report Date: 06/04/2012 AGGREGATE TABLE 5-7:DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS,MANUFACTURED HOME Page 1 of 3 DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHNICITY Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's LESS THAN 50%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 16 1 8 1 8 ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 20 289 10 127 5 92 5 70 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 3 29 1 10 2 19 ETHNICITY 7/ H SPAN IC OR LATINO 3 22 1 6 2 16 NOT HISPANIC OR LATINO 17 250 8 101 5 92 4 57 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 1 21 1 21 LATINO) ETHNICITY NOT AVAILABLE 6/ 4 41 1 7 1 10 2 24 MINORITY STATUS 8/ WH ITE NON-HISPANIC 16 242 7 93 5 92 4 57 OTHERS,INCLUDING HISPANIC 6 59 3 35 3 24 50-79%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 32 1 32 ASIAN 1 27 1 27 BLACK OR AFRICAN AMERICAN 1 35 1 35 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 23 753 15 462 1 13 4 183 3 95 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 30 1 30 ETHNICITY 7/ H SPAN IC OR LATINO 1 30 1 30 NOT HISPANIC OR LATINO 25 812 16 489 1 13 4 180 4 130 J0INT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 35 1 35 MINORITY STATUS 8/ WH ITE NON-HISPANIC 22 718 15 462 1 13 3 148 3 95 OTHERS,INCLUDING HISPANIC 4 124 2 57 1 32 1 35 Report Date: 06/04/2012 AGGREGATE TABLE 5-7:DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS,MANUFACTURED HOME Page 2 of 3 DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 80-99%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 6 134 2 34 1 20 2 57 1 23 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ H SPAN IC OR LATINO NOT HISPANIC OR LATINO 5 111 2 34 1 20 2 57 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR 1 23 1 23 LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WH ITE NON-HISPANIC 5 111 2 34 1 20 2 57 OTHERS,INCLUDING HISPANIC 1 23 1 23 100-119%OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 1 32 1 32 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ H SPAN IC OR LATINO NOT HISPANIC OR LATINO 1 32 1 32 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC 1 32 1 32 OTHERS,INCLUDING HISPANIC Report Date: 06/04/2012 AGGREGATE TABLE 5-7:DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS,MANUFACTURED HOME Page 3 of 3 DWELLINGS,BY INCOME,RACE AND ETHNICITY OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For INCOME,RACE AND ETHN ICITY(CONTINU ED) Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 120%OR MORE OF MSA/MD MEDIAN RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 7 364 5 323 2 41 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ ETHNICITY 7/ H SPAN IC OR LATINO 1 28 1 28 NOT HISPANIC OR LATINO 6 336 5 323 1 13 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WH ITE NON-HISPANIC 6 336 5 323 1 13 OTHERS,INCLUDING HISPANIC 1 28 1 28 TOTAL 14/ 67 1856 35 1011 2 33 16 530 14 282 Report Date: 06/04/2012 AGGREGATE TABLE 7-1:DISPOSITION OF APPLICATIONS FOR FHA,FSA/RHS,AND VA HOME-PURCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED Page 1 of 1 HOME DWELLINGS,BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For TYPE OF CENSUS TRACT 10/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 459 52544 332 40129 15 1419 76 7413 31 3170 5 413 10-19%MINORITY 26 2475 20 1846 1 105 4 491 1 33 20-49%MINORITY 9 1392 5 704 3 529 1 159 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 32 2542 18 1553 9 664 4 213 1 112 MIDDLE INCOME 359 38990 259 29333 17 1845 58 5603 22 2068 3 141 UPPER INCOME 103 14879 80 11793 2 208 14 1796 6 922 1 160 INCOME&RACIAL/ETHNIC COMP 11/12/13/ LOWINCOME LESS THAN 10%MINORITY 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MODERATE INCOME LESS THAN 10%MINORITY 32 2542 18 1553 9 664 4 213 1 112 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MIDDLE INCOME LESS THAN 10%MINORITY 324 35123 234 26783 13 1211 53 4953 21 2035 3 141 10-19%MINORITY 26 2475 20 1846 1 105 4 491 1 33 20-49%MINORITY 9 1392 5 704 3 529 1 159 50-79%MINORITY 80-100%MINORITY UPPER INCOME LESS THAN 10%MINORITY 103 14879 80 11793 2 208 14 1796 6 922 1 160 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY SMALLCOUNTY ALLOTHERTRACTS 21/ TOTAL 14/ 494 56411 357 42679 19 2053 81 8063 32 3203 5 413 Report Date: 06/04/2012 AGGREGATE TABLE 7-2:DISPOSITION OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME Page 1 of 1 DWELLINGS,BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For TYPE OF CENSUS TRACT 10/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 1156 142155 908 115337 52 6918 110 10639 76 8112 10 1149 10-19%MINORITY 82 7261 72 6649 6 431 3 85 1 96 20-49%MINORITY 29 2560 21 2317 1 13 3 164 4 66 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOW INCOME MODERATE INCOME 58 4031 42 2903 3 170 10 776 2 126 1 56 MIDDLE INCOME 859 95289 686 78274 34 3750 79 7344 55 5534 5 387 UPPER INCOME 350 52656 273 43126 16 3011 30 3114 26 2603 5 802 INCOME&RACIAL/ETHNIC COMP 11/12/13/ LOW INCOME LESS THAN 10%MINORITY 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MODERATE INCOME LESS THAN 10%MINORITY 58 4031 42 2903 3 170 10 776 2 126 1 56 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MIDDLE INCOME LESS THAN 10%MINORITY 748 85468 593 69308 33 3737 70 6749 48 5383 4 291 10-19%MINORITY 82 7261 72 6649 6 431 3 85 1 96 20-49%MINORITY 29 2560 21 2317 1 13 3 164 4 66 50-79%MINORITY 80-100%MINORITY UPPER INCOME LESS THAN 10%MINORITY 350 52656 273 43126 16 3011 30 3114 26 2603 5 802 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY SMALLCOUNTY ALLOTHERTRACTS 21/ TOTAL 14/ 1267 151976 1001 124303 53 6931 119 11234 83 8263 11 1245 Report Date: 06/04/2012 AGGREGATE TABLE 7-3:DISPOSITION OF APPLICATIONS TO REFINANCE LOANS ON 1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY Page 1 of 1 CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For TYPE OF CENSUS TRACT 10/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 5853 765700 3931 503794 254 31416 919 123929 576 82288 173 24273 10-19%MINORITY 358 37956 219 24264 18 1457 72 7399 37 3798 12 1038 20-49%MINORITY 127 23977 86 15198 6 925 20 4714 12 2869 3 271 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 256 20328 139 10764 7 427 66 5616 33 2774 11 747 MIDDLE INCOME 4292 524992 2790 336758 195 21204 747 90503 427 59116 133 17411 UPPER INCOME 1790 282313 1307 195734 76 12167 198 39923 165 27065 44 7424 INCOME&RACIAL/ETHNIC COMP 11/12/13/ LOWINCOME LESS THAN 10%MINORITY 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MODERATE INCOME LESS THAN 10%MINORITY 256 20328 139 10764 7 427 66 5616 33 2774 11 747 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MIDDLE INCOME LESS THAN 10%MINORITY 3807 463059 2485 297296 171 18822 655 78390 378 52449 118 16102 10-19%MINORITY 358 37956 219 24264 18 1457 72 7399 37 3798 12 1038 20-49%MINORITY 127 23977 86 15198 6 925 20 4714 12 2869 3 271 50-79%MINORITY 80-100%MINORITY UPPER INCOME LESS THAN 10%MINORITY 1790 282313 1307 195734 76 12167 198 39923 165 27065 44 7424 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY SMALLCOUNTY ALLOTHERTRACTS 21/ TOTAL 14/ 6338 827633 4236 543256 278 33798 1011 136042 625 88955 188 25582 Report Date: 06/04/2012 AGGREGATE TABLE 7-4 DISPOSITION OF APPLICATIONS FOR HOME IMPROVEMENT LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY Page 1 of 1 CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For TYPE OF CENSUS TRACT 10/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 548 30402 387 22960 21 1029 105 3939 30 2201 5 273 10-19%MINORITY 39 1776 28 1383 2 22 8 339 1 32 20-49%MINORITY 6 638 4 383 1 235 1 20 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOW INCOME MODERATE INCOME 30 865 16 370 1 100 10 314 2 8 1 73 MIDDLE INCOME 439 23639 304 17399 19 1050 90 3155 21 1803 5 232 UPPER INCOME 124 8312 99 6957 4 136 13 809 8 410 INCOME&RACIAL/ETHNIC COMP 11/12/13/ LOW INCOME LESS THAN 10%MINORITY 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MODERATE INCOME LESS THAN 10%MINORITY 30 865 16 370 1 100 10 314 2 8 1 73 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MIDDLE INCOME LESS THAN 10%MINORITY 394 21225 272 15633 16 793 82 2816 20 1783 4 200 10-19%MINORITY 39 1776 28 1383 2 22 8 339 1 32 20-49%MINORITY 6 638 4 383 1 235 1 20 50-79%MINORITY 80-100%MINORITY UPPER INCOME LESS THAN 10%MINORITY 124 8312 99 6957 4 136 13 809 8 410 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY SMALLCOUNTY ALLOTHERTRACTS 21/ TOTAL 14/ 593 32816 419 24726 24 1286 113 4278 31 2221 6 305 Report Date: 06/04/2012 AGGREGATE TABLE 7-5:DISPOSITION OF APPLICATIONS FOR LOANS ON DWELLINGS FOR 5 OR MORE FAMILIES,BY CHARACTERISTICS OF CENSUS TRACT Page 1 of 1 IN WHICH PROPERTY IS LOCATED,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For TYPE OF CENSUS TRACT 10/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 24 70049 18 32201 3 11111 1 1490 1 25000 1 247 10-19%MINORITY 11 7210 9 5075 1 1700 1 435 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 1 200 1 200 MIDDLE INCOME 31 42970 24 27987 3 11111 2 3190 1 435 1 247 UPPER INCOME 3 34089 2 9089 1 25000 INCOME&RACIAL/ETHNIC COMP 11/12/13/ LOWINCOME LESS THAN 10%MINORITY 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MODERATE INCOME LESS THAN 10%MINORITY 1 200 1 200 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MIDDLE INCOME LESS THAN 10%MINORITY 20 35760 15 22912 3 11111 1 1490 1 247 10-19%MINORITY 11 7210 9 5075 1 1700 1 435 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY UPPER INCOME LESS THAN 10%MINORITY 3 34089 2 9089 1 25000 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY SMALLCOUNTY ALLOTHERTRACTS 21/ TOTAL 14/ 35 77259 27 37276 3 11111 2 3190 2 25435 1 247 Report Date: 06/04/2012 AGGREGATE TABLE 7-6 DISPOSITION OF APPLICATIONS FROM NONOCCU PANTS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS, Page 1 of 1 1-TO4-FAM ILY AND MANUFACTURED HOME DWELLINGS,BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For TYPE OF CENSUS TRACT 10/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 508 67785 355 43418 16 1603 91 10924 37 10962 9 878 10-19%MINORITY 59 4468 47 3486 2 96 9 804 1 82 20-49%MINORITY 7 1798 5 1367 1 27 1 404 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 56 4077 36 2516 1 48 12 1054 4 254 3 205 MIDDLE INCOME 449 58006 327 37396 16 1474 69 8041 31 10422 6 673 UPPER INCOME 69 11968 44 8359 2 204 20 3037 3 368 INCOME&RACIAL/ETHNIC COMP 11/12/13/ LOWINCOME LESS THAN 10%MINORITY 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MODERATE INCOME LESS THAN 10%MINORITY 56 4077 36 2516 1 48 12 1054 4 254 3 205 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MIDDLE INCOME LESS THAN 10%MINORITY 383 51740 275 32543 13 1351 59 6833 30 10340 6 673 10-19%MINORITY 59 4468 47 3486 2 96 9 804 1 82 20-49%MINORITY 7 1798 5 1367 1 27 1 404 50-79%MINORITY 80-100%MINORITY UPPER INCOME LESS THAN 10%MINORITY 69 11968 44 8359 2 204 20 3037 3 368 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY SMALLCOUNTY ALLOTHERTRACTS 21/ TOTAL 14/ 574 74051 407 48271 19 1726 101 12132 38 11044 9 878 Report Date: 06/04/2012 AGGREGATE TABLE 7-7:DISPOSITION OF APPLICATIONS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS,MANUFACTURED HOME Page 1 of 1 DWELLINGS,BY CHARACTERISTICS OF CENSUS TRACT IN WHICH PROPERTY IS LOCATED,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For TYPE OF CENSUS TRACT 10/ Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 45 1392 23 775 1 20 12 383 9 214 10-19%MINORITY 7 161 3 28 2 107 2 26 20-49%MINORITY 15 303 9 208 1 13 2 40 3 42 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOW INCOME MODERATE INCOME MIDDLE INCOME 41 1094 25 772 2 33 7 175 7 114 UPPER INCOME 26 762 10 239 9 355 7 168 INCOME&RACIAL/ETHNIC COMP 11/12/13/ LOW INCOME LESS THAN 10%MINORITY 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MODERATE INCOME LESS THAN 10%MINORITY 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY MIDDLE INCOME LESS THAN 10%MINORITY 19 630 13 536 1 20 3 28 2 46 10-19%MINORITY 7 161 3 28 2 107 2 26 20-49%MINORITY 15 303 9 208 1 13 2 40 3 42 50-79%MINORITY 80-100%MINORITY UPPER INCOME LESS THAN 10%MINORITY 26 762 10 239 9 355 7 168 10-19%MINORITY 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY SMALLCOUNTY ALLOTHERTRACTS 21/ TOTAL 14/ 67 1856 35 1011 2 33 16 530 14 282 Report Date: 06/04/2012 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, Pagel of 1 BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Debt-to-Income Employment Insufficient Unverifiable Credit App. Mortgage APPLICANT CHARACTERISTICS Ratio HistoryCash Inform anon Incom lete Insurance Credit History Collateral p Denied Other Total/22 Number % Number % Number % Number % Number % Number % Number % Number % Number % Number RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 100 1 100 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 19 21 14 15 23 25 16 17 5 5 4 4 8 9 3 3 92 100 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 20 4 80 5 100 ETHNICITY 7/ HISPANIC OR LATINO 1 25 1 25 2 50 4 100 NOT HISPANIC OR LATINO 17 20 13 15 20 23 15 17 5 6 4 5 9 10 3 3 86 100 JOINT(HISPANIC OR LATINO/NOT HISPANIC 1 33 1 33 1 33 3 100 OR LATINO) ETHNICITY NOT AVAILABLE 6/ 5 100 5 100 MINORITY STATUS 8/ WHITE NON-HISPANIC 17 20 13 15 20 24 15 18 5 6 4 5 8 9 3 4 85 100 OTHERS,INCL.HISPANIC 2 25 2 25 2 25 1 13 1 13 8 100 GENDER 19/ MALE 6 14 9 21 11 26 8 19 3 7 1 2 2 5 2 5 42 100 FEMALE 7 23 4 13 9 29 5 16 1 3 2 6 2 6 1 3 31 100 JOINT(MALE/FEMALE) 6 25 2 8 6 25 3 13 1 4 1 4 5 21 24 100 GENDER NOT AVAILABLE 6/ 1 100 1 100 INCOME 9/ LESS THAN 50%OF MSA/MD MEDIAN 6 19 5 16 13 42 2 6 1 3 2 6 1 3 1 3 31 100 50-79%OF MSA/MD MEDIAN 5 17 7 23 5 17 11 37 1 3 1 3 30 100 80-99%OF MSA/MD MEDIAN 1 7 2 14 5 36 1 7 1 7 1 7 3 21 14 100 100-119%OF MSA/MD MEDIAN 2 25 1 13 1 13 1 13 3 38 8 100 120%OR MORE OF MSA/MD MEDIAN 3 25 3 25 1 8 2 17 1 8 2 17 12 100 INCOME NOTAVAILABLE 6/ 2 67 1 33 3 100 Report Date: 06/04/2012 AGGREGATE TABLE 8-2:REASONS FOR DENIAL OF APPLICATIONS FOR CONVENTIONAL HOME-PURCHASE LOANS,1-TO4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY Pagel of 1 RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Debt-to-Income Employment Insufficient Unverifiable Credit App. Mortgage APPLICANT CHARACTERISTICS Ratio HistoryCash Inform anon Incom lete Insurance Credit History Collateral p Denied Other Total/22 Number % Number % Number % Number % Number % Number % Number % Number % Number % Number RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 100 1 100 ASIAN 2 67 1 33 3 100 BLACK OR AFRICAN AMERICAN 1 50 1 50 2 100 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 22 20 2 2 37 34 12 11 12 11 3 3 7 6 1 1 13 12 109 100 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 7 44 4 25 1 6 4 25 16 100 ETHNICITY 7/ HISPANIC OR LATINO 2 50 1 25 1 25 4 100 NOT HISPANIC OR LATINO 22 22 2 2 37 36 10 10 11 11 2 2 7 7 11 11 102 100 JOINT(HISPANIC OR LATINO/NOT HISPANIC 1 100 1 100 OR LATINO) ETHNICITY NOT AVAILABLE 6/ 7 29 7 29 1 4 1 4 1 4 1 4 6 25 24 100 MINORITY STATUS 8/ WHITE NON-HISPANIC 22 23 2 2 33 34 10 10 10 10 2 2 6 6 11 11 96 100 OTHERS,INCL.HISPANIC 5 45 2 18 2 18 1 9 1 9 11 100 GENDER 19/ MALE 8 17 1 2 12 26 8 17 8 17 3 7 1 2 5 11 46 100 FEMALE 4 18 10 45 1 5 2 9 1 5 2 9 2 9 22 100 JOINT(MALE/FEMALE) 10 20 1 2 20 41 3 6 3 6 2 4 3 6 7 14 49 100 GENDER NOT AVAILABLE 6/ 7 50 3 21 1 7 3 21 14 100 INCOME 9/ LESS THAN 50%OF MSA/MD MEDIAN 10 24 16 38 2 5 3 7 1 2 3 7 7 17 42 100 50-79%OF MSA/MD MEDIAN 4 14 1 3 11 38 5 17 3 10 2 7 1 3 2 7 29 100 80-99%OF MSA/MD MEDIAN 5 38 7 54 1 8 13 100 100-119%OF MSA/MD MEDIAN 2 20 3 30 2 20 1 10 1 10 1 10 10 100 120%OR MORE OF MSA/MD MEDIAN 4 14 1 3 8 28 3 10 5 17 2 7 2 7 4 14 29 100 INCOME NOTAVAILABLE 6/ 4 50 1 13 3 38 8 100 Report Date: 06/04/2012 AGGREGATE TABLE 8-3:REASONS FOR DENIAL OF APPLICATIONS TO REFINANCE LOANS ON 1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY RACE,ETHNICITY, Pagel of 1 GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Debt-to-Income Employment Insufficient Unverifiable Credit App. Mortgage APPLICANT CHARACTERISTICS Ratio HistoryCash Inform anon Incom lete Insurance Credit History Collateral p Denied Other Total/22 Number % Number % Number % Number % Number % Number % Number % Number % Number % Number RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 33 1 33 1 33 3 100 ASIAN 2 29 3 43 2 29 7 100 BLACK OR AFRICAN AMERICAN 1 33 1 33 1 33 3 100 NATIVE HAWAIIAN/OTHER PACIFIC ISLND 1 33 1 33 1 33 3 100 WHITE 185 19 14 1 210 22 260 27 22 2 33 3 107 11 2 0 136 14 969 100 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 10 4 40 3 30 1 10 1 10 10 100 RACE NOT AVAILABLE 6/ 15 19 2 3 23 29 13 16 1 1 3 4 9 11 1 1 13 16 80 100 ETHNICITY 7/ HISPANIC OR LATINO 4 24 4 24 3 18 1 6 2 12 3 18 17 100 NOT HISPANIC OR LATINO 182 19 13 1 207 22 256 27 22 2 33 3 107 11 3 0 131 14 954 100 JOINT(HISPANIC OR LATINO/NOT HISPANIC 3 30 5 50 2 20 10 100 OR LATINO) ETHNICITY NOT AVAILABLE 6/ 17 18 3 3 26 28 18 19 1 1 3 3 9 10 1 1 16 17 94 100 MINORITY STATUS 8/ WHITE NON-HISPANIC 177 19 13 1 199 22 246 27 22 2 32 3 105 11 2 0 128 14 924 100 OTHERS,INCL.HISPANIC 7 13 14 26 17 32 2 4 4 8 1 2 8 15 53 100 GENDER 19/ MALE 40 15 3 1 65 24 75 28 8 3 14 5 25 9 37 14 267 100 FEMALE 43 22 1 1 47 24 43 22 4 2 5 3 21 11 1 1 28 15 193 100 JOINT(MALE/FEMALE) 111 20 10 2 107 19 153 28 10 2 18 3 64 12 3 1 80 14 556 100 GENDER NOT AVAILABLE 6/ 9 15 2 3 21 36 11 19 1 2 8 14 7 12 59 100 INCOME 9/ LESS THAN 50%OF MSA/MD MEDIAN 50 30 4 2 39 23 28 17 2 1 6 4 12 7 26 16 167 100 50-79%OF MSA/MD MEDIAN 50 22 2 1 57 25 53 23 6 3 9 4 27 12 25 11 229 100 80-99%OF MSA/MD MEDIAN 31 17 2 1 42 23 51 28 3 2 6 3 22 12 2 1 21 12 180 100 100-119%OF MSA/MD MEDIAN 17 15 1 1 29 26 29 26 3 3 5 4 9 8 1 1 19 17 113 100 120%OR MORE OF MSA/MD MEDIAN 49 14 5 1 62 18 114 33 8 2 10 3 40 12 1 0 53 15 342 100 INCOME NOTAVAILABLE 6/ 6 14 2 5 11 25 7 16 1 2 1 2 8 18 8 18 44 100 Report Date: 06/04/2012 AGGREGATE TABLE 8-4:REASONS FOR DENIAL OF APPLICATIONS FOR HOME IMPROVEMENT LOANS,1-TO 4-FAMILY AND MANUFACTURED HOME DWELLINGS,BY RACE,ETHNICITY, Pagel of 1 GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Debt-to-Income Employment Insufficient Unverifiable Credit App. Mortgage APPLICANT CHARACTERISTICS Ratio HistoryCash Inform anon Incom lete Insurance Credit History Collateral p Denied Other Total/22 Number % Number % Number % Number % Number % Number % Number % Number % Number % Number RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 50 1 50 2 100 ASIAN 1 50 1 50 2 100 BLACK OR AFRICAN AMERICAN 1 50 1 50 2 100 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 24 19 1 1 54 43 28 22 1 1 2 2 16 13 126 100 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 2 22 4 44 1 11 2 22 9 100 ETHNICITY 7/ HISPANIC OR LATINO 2 67 1 33 3 100 NOT HISPANIC OR LATINO 22 18 1 1 52 42 29 23 1 1 2 2 17 14 124 100 JOINT(HISPANIC OR LATINO/NOT HISPANIC 1 100 1 100 OR LATINO) ETHNICITY NOT AVAILABLE 6/ 3 23 7 54 1 8 2 15 13 100 MINORITY STATUS 8/ WHITE NON-HISPANIC 21 18 1 1 49 42 28 24 1 1 2 2 16 14 118 100 OTHERS,INCL.HISPANIC 3 30 5 50 1 10 1 10 10 100 GENDER 19/ MALE 11 27 14 34 10 24 2 5 4 10 41 100 FEMALE 9 21 22 51 7 16 5 12 43 100 JOINT(MALE/FEMALE) 5 10 1 2 22 45 12 24 1 2 8 16 49 100 GENDER NOT AVAILABLE 6/ 2 25 3 38 1 13 2 25 8 100 INCOME 9/ LESS THAN 50%OF MSA/MD MEDIAN 7 25 13 46 4 14 1 4 3 11 28 100 50-79%OF MSA/MD MEDIAN 7 22 18 56 4 13 3 9 32 100 80-99%OF MSA/MD MEDIAN 5 20 9 36 5 20 1 4 1 4 4 16 25 100 100-119%OF MSA/MD MEDIAN 1 8 5 42 4 33 2 17 12 100 120%OR MORE OF MSA/MD MEDIAN 6 16 1 3 15 39 11 29 5 13 38 100 INCOME NOTAVAILABLE 6/ 1 17 1 17 1 17 1 17 2 33 6 100 Report Date: 06/04/2012 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 Pagel of 1 APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Debt-to-Income Employment Insufficient Unverifiable Credit App. Mortgage APPLICANT CHARACTERISTICS Ratio HistoryCash Inform anon Incom lete Insurance Credit History Collateral p Denied Other Total/22 Number % Number % Number % Number % Number % Number % Number % Number % Number % Number RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 50 1 50 2 100 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 50 1 50 2 100 MINORITY STATUS 8/ WHITE NON-HISPANIC OTHERS,INCL.HISPANIC GENDER 19/ MALE FEMALE JOINT(MALE/FEMALE) GENDER NOT AVAILABLE 6/ 1 50 1 50 2 100 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 NOTAVAILABLE 6/ 1 50 1 50 2 100 Report Date: 06/04/2012 AGGREGATE TABLE 8-6:REASONS FOR DENIAL OF APPLICATIONS FROM NONOCCUPANTS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS,1-TO 4-FAMILY Pagel of 1 AND MANUFACTURED HOME DWELLINGS,BY RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Debt-to-Income Employment Insufficient Unverifiable Credit App. Mortgage APPLICANT CHARACTERISTICS Ratio HistoryCash Inform anon Incom lete Insurance Credit History Collateral p Denied Other Total/22 Number % Number % Number % Number % Number % Number % Number % Number % Number % Number RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 100 1 100 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 24 25 11 11 26 27 7 7 4 4 10 10 14 15 96 100 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 8 47 1 6 2 12 2 12 4 24 17 100 ETHNICITY 7/ HISPANIC OR LATINO 1 100 1 100 NOT HISPANIC OR LATINO 25 27 11 12 22 23 7 7 4 4 11 12 14 15 94 100 JOINT(HISPANIC OR LATINO/NOT HISPANIC 2 100 2 100 OR LATINO) ETHNICITY NOT AVAILABLE 6/ 7 41 1 6 3 18 2 12 4 24 17 100 MINORITY STATUS 8/ WHITE NON-HISPANIC 24 26 11 12 22 24 7 8 4 4 10 11 14 15 92 100 OTHERS,INCL.HISPANIC 3 75 1 25 4 100 GENDER 19/ MALE 4 16 1 4 12 48 3 12 1 4 1 4 3 12 25 100 FEMALE 5 38 5 38 2 15 1 8 13 100 JOINT(MALE/FEMALE) 18 28 6 9 12 18 4 6 3 5 10 15 12 18 65 100 GENDER NOT AVAILABLE 6/ 5 45 2 18 2 18 2 18 11 100 INCOME 9/ LESS THAN 50%OF MSA/MD MEDIAN 3 43 2 29 1 14 1 14 7 100 50-79%OF MSA/MD MEDIAN 4 31 2 15 2 15 1 8 1 8 2 15 1 8 13 100 80-99%OF MSA/MD MEDIAN 6 40 1 7 3 20 1 7 3 20 1 7 15 100 100-119%OF MSA/MD MEDIAN 3 19 1 6 4 25 1 6 1 6 6 38 16 100 120%OR MORE OF MSA/MD MEDIAN 11 21 6 11 16 30 4 8 3 6 6 11 7 13 53 100 INCOME NOTAVAILABLE 6/ 5 50 2 20 1 10 2 20 10 100 Report Date: 06/04/2012 AGGREGATE TABLE 8-7:REASONS FOR DENIAL OF APPLICATIONS FOR HOME-PURCHASE,HOME IMPROVEMENT,OR REFINANCING LOANS,MANUFACTURED HOME DWELLINGS,BY Pagel of 1 RACE,ETHNICITY,GENDER AND INCOME OF APPLICANT,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Debt-to-Income Employment Insufficient Unverifiable Credit App. Mortgage APPLICANT CHARACTERISTICS Ratio HistoryCash Inform anon Incom lete Insurance Credit History Collateral p Denied Other Total/22 Number % Number % Number % Number % Number % Number % Number % Number % Number % Number RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 100 1 100 ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 2 13 11 73 1 7 1 7 15 100 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 100 1 100 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 2 13 11 73 1 7 1 7 15 100 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 2 100 2 100 MINORITY STATUS 8/ WHITE NON-HISPANIC 2 14 10 71 1 7 1 7 14 100 OTHERS,INCL.HISPANIC 1 100 1 100 GENDER 19/ MALE 1 50 1 50 2 100 FEMALE 1 14 4 57 1 14 1 14 7 100 JOINT(MALE/FEMALE) 7 100 7 100 GENDER NOT AVAILABLE 6/ 1 100 1 100 INCOME 9/ LESS THAN 50%OF MSA/MD MEDIAN 2 25 5 63 1 13 8 100 50-79%OF MSA/MD MEDIAN 4 80 1 20 5 100 80-99%OF MSA/MD MEDIAN 2 100 2 100 100-119%OF MSA/MD MEDIAN 120%OR MORE OF MSA/MD MEDIAN 1 100 1 100 INCOME NOTAVAILABLE 6/ 1 100 1 100 Report Date: 06/04/2012 AGGREGATE TABLE 9'.DISPOSITION OF LOAN APPLICATIONS.BY MEDIAN AGE OF HOMES IN CENSUS TRACT IN WHICH PROPERTY IS LOCATED AND TYPE OF Page 1 of 1 LOAN.,2011 MSA/MD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans On RefinancingsHome Improvement Loans on Dwellings Nonoccupant Loans Manufactured Home CENSUS TRACTS BY provemen For 5 or More From Columns Dwellings From MEDIAN AGE OF HOMES 23/ FHA.,FSA/RHS&VA Conventional Loans Families A B C&D Columns A,B,C&D A B C D E F G Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's 1990-MARCH 2O00 LOANS ORIGINATED APPLICAT'N APPROVED.NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN FILES CLOSED FOR INCOMPLETENESS 1980-1989 LOANS ORIGINATED 61 8605 215 30955 946 131141 69 4823 2 9089 38 7656 13 267 APPLICAT'N APPROVED.NOT ACCEPTED 2 208 11 2121 59 8641 1 110 1 112 APPLICATIONS DENIED 11 1487 25 2347 145 23754 10 877 16 2387 9 256 APPLICATIONS WITHDRAWN 3 466 16 1061 111 16897 4 296 1 25000 2 338 9 194 FILES CLOSED FOR INCOMPLETENESS 1 160 3 597 34 4733 1970-1979 LOANS ORIGINATED 100 12715 281 37280 1282 174725 127 7498 15 12419 66 8692 9 208 APPLICAT'N APPROVED.NOT ACCEPTED 5 745 7 940 78 9332 8 288 1 5650 3 160 1 13 APPLICATIONS DENIED 15 1905 32 3824 307 42835 37 1342 2 3190 26 3518 4 246 APPLICATIONS WITHDRAWN 4 499 23 2843 154 22250 8 287 1 435 8 812 5 88 FILES CLOSED FOR INCOMPLETENESS 1 112 54 8315 2 17 1 230 1960-1969 LOANS ORIGINATED 75 10346 197 30777 1063 153027 86 6816 6 9972 104 16368 3 268 APPLICAT'N APPROVED.NOT ACCEPTED 4 458 16 2548 67 10363 7 524 1 5000 7 956 APPLICATIONS DENIED 19 2023 25 2857 243 40005 20 485 20 2289 1 10 APPLICATIONS WITHDRAWN 9 1051 24 2627 151 29689 11 1482 16 9110 FILES CLOSED FOR INCOMPLETENESS 2 95 4 380 49 8304 1 113 2 263 1959 OR EARLIER LOANS ORIGINATED 121 11013 308 25291 945 84363 137 5589 4 5796 199 15555 10 268 APPLICAT'N APPROVED.NOT ACCEPTED 8 642 19 1322 74 5462 8 364 1 461 8 498 1 20 APPLICATIONS DENIED 36 2648 37 2206 316 29448 46 1574 39 3938 2 18 APPLICATIONS WITHDRAWN 16 1187 20 1732 209 20119 8 156 12 784 FILES CLOSED FOR INCOMPLETENESS 1 46 4 268 51 4230 3 175 1 247 6 385 AGE UNKNOWN LOANS ORIGINATED APPLICAT'N APPROVED.NOT ACCEPTED APPLICATIONS DENIED APPLICATIONS WITHDRAWN FILES CLOSED FOR INCOMPLETENESS Report Date'. 06/04/2012 AGGREGATE TABLE 10'.DISPOSITION OF LOAN APPLICATIONS.BY PRINCIPAL CITY VERSUS NON-PRINCIPAL CITY PROPERTY LOCATION AND TYPE OF LOAN. Page 1 of 1 2011 MSXMD'.36780-OSHKOSH-NEENAH.WI Loans on 1-to 4-Family and Manufactured Home Dwellings Home Purchase Loans Loans On RefinancingsHome Improvement Loans on Dwellings Nonoccupant Loans Manufactured Home provemen For 5 or More From Columns Dwellings From LOCATION CATEGORY FHA.,FSA/RHS&VA Conventional Loans Families A,B.CSD Columns A.B.0&D A B C D E F G Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's Number $000's PRINCIPAL CITY 24/ LOANS ORIGINATED 234 27892 666 80610 2556 318325 248 15216 13 17060 269 28485 16 319 APPLICAT'N APPROVED.NOT ACCEPTED 11 1396 35 3893 165 19756 13 977 2 5461 13 1027 2 33 APPLICATIONS DENIED 53 5164 75 7216 599 79401 70 2948 55 6530 4 73 APPLICATIONS WITHDRAWN 17 1554 49 5185 375 52779 17 946 21 8852 6 98 FILES CLOSED FOR INCOMPLETENESS 3 318 9 1068 121 15325 5 192 1 247 6 453 MSXMD LESS PRINCIPAL CITY 25/ LOANS ORIGINATED 123 14787 335 43693 1680 224931 171 9510 14 20216 138 19786 19 692 APPLICAT'N APPROVED.NOT ACCEPTED 8 657 18 3038 113 14042 11 309 1 5650 6 699 APPLICATIONS DENIED 28 2899 44 4018 412 56641 43 1330 2 3190 46 5602 12 457 APPLICATIONS WITHDRAWN 15 1649 34 3078 250 36176 14 1275 2 25435 17 2192 8 184 FILES CLOSED FOR INCOMPLETENESS 2 95 2 177 67 10257 1 113 3 425 Report Date'. 06/04/2012 AGGREGATE TABLE 11-1:PRICING INFORMATION FOR FHA HOME-PURCHASE LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN MEDIAN BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 5 BLACK OR AFRICAN AMERICAN 1 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 257 3 3 1.58 1.54 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 RACE NOT AVAILABLE 6/ 5 ETHNICITY 7/ HISPANIC OR LATINO 4 NOT HISPANIC OR LATINO 260 3 3 1.58 1.54 JOINT(HISPANIC OR LATINO/NOT 2 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 3 MINORITY STATUS 8/ WHITE NON-HISPANIC 250 3 3 1.58 1.54 OTHERS,INCLUDING HISPANIC 13 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 46 2 2 1.53 1.53 50-79%OF MSA/MD MEDIAN 85 80-99%OF MSA/MD MEDIAN 53 100-119%OFMSA/MD MEDIAN 29 1 1 1.68 1.68 120%OR MORE OFMSA/MD MEDIAN 53 INCOME NOT AVAILABLE 6/ 3 GENDER 19/ MALE 91 1 1 1.68 1.68 FEMALE 69 1 1 1.51 1.51 JOINT(MALE/FEMALE) 108 1 1 1.54 1.54 GENDER NOT AVAILABLE 6/ 1 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 250 3 3 1.58 1.54 10-19%MINORITY 15 20-49%MINORITY 4 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 15 MIDDLE INCOME 191 3 3 1.58 1.54 UPPER INCOME 63 Report Date: 06/04/2012 AGGREGATE TABLE 11-1:PRICING INFORMATION FOR FHA HOME-PURCHASE LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN 30/ MEDIAN 31/ $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 670 BLACK OR AFRICAN AMERICAN 140 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 29333 233 233 1.60 1.54 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 107 RACE NOT AVAILABLE 6/ 510 ETHNICITY 7/ HISPANIC OR LATINO 440 NOT HISPANIC OR LATINO 29668 233 233 1.60 1.54 JOINT(HISPANIC OR LATINO/NOT 279 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 373 MINORITY STATUS 8/ WHITE NON-HISPANIC 28461 233 233 1.60 1.54 OTHERS,INCLUDING HISPANIC 1636 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 3470 119 119 1.52 1.51 50-79%OF MSA/MD MEDIAN 8763 80-99%OF MSA/MD MEDIAN 6026 100-119%OFMSA/MD MEDIAN 3814 114 114 1.68 1.68 120%OR MORE OFMSA/MD MEDIAN 8316 INCOME NOT AVAILABLE 6/ 371 GENDER 19/ MALE 8926 114 114 1.68 1.68 FEMALE 7101 67 67 1.51 1.51 JOINT(MALE/FEMALE) 14601 52 52 1.54 1.54 GENDER NOT AVAILABLE 6/ 132 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 29039 233 233 1.60 1.54 10-19%MINORITY 1190 20-49%MINORITY 531 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 1276 MIDDLE INCOME 20710 233 233 1.60 1.54 UPPER INCOME 8774 Report Date: 06/04/2012 AGGREGATE TABLE 11-2 PRICING INFORMATION FOR VA HOME-PURCHASE LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN MEDIAN BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 65 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO 1 NOT HISPANIC OR LATINO 65 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC 64 OTHERS,INCLUDING HISPANIC 2 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 4 50-79%OF MSA/MD MEDIAN 13 80-99%OF MSA/MD MEDIAN 18 100-119%OFMSA/MD MEDIAN 12 120%OR MORE OFMSA/MD MEDIAN 19 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 32 FEMALE 4 JOINT(MALE/FEMALE) 30 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 61 10-19%MINORITY 4 20-49%MINORITY 1 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 3 MIDDLE INCOME 46 UPPER INCOME 17 Report Date: 06/04/2012 AGGREGATE TABLE 11-2 PRICING INFORMATION FOR VA HOME-PURCHASE LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN 30/ MEDIAN 31/ $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 9595 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 117 RACE NOT AVAILABLE 6/ ETHNICITY 7/ HISPANIC OR LATINO 112 NOT HISPANIC OR LATINO 9600 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ MINORITY STATUS 8/ WHITE NON-HISPANIC 9483 OTHERS,INCLUDING HISPANIC 229 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 390 50-79%OF MSA/MD MEDIAN 1292 80-99%OF MSA/MD MEDIAN 2181 100-119%OFMSA/MD MEDIAN 1907 120%OR MORE OFMSA/MD MEDIAN 3942 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 3801 FEMALE 398 JOINT(MALE/FEMALE) 5513 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 9019 10-19%MINORITY 520 20-49%MINORITY 173 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 277 MIDDLE INCOME 6416 UPPER INCOME 3019 Report Date: 06/04/2012 AGGREGATE TABLE 11-3 PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED Page 1 of 2 HOMES),BY BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN MEDIAN BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 ASIAN 11 BLACK OR AFRICAN AMERICAN 1 NATIVE HAWAIIAN/OTHER PACIFIC 1 ISLND WHITE 726 15 9 3 1 2 2.16 1.97 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 2 RACE NOT AVAILABLE 6/ 24 1 1 1.94 1.94 ETHNICITY 7/ HISPANIC OR LATINO 6 NOT HISPANIC OR LATINO 732 15 9 3 1 2 2.16 1.97 JOINT(HISPANIC OR LATINO/NOT 4 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 25 1 1 1.94 1.94 MINORITY STATUS 8/ WHITE NON-HISPANIC 714 15 9 3 1 2 2.16 1.97 OTHERS,INCLUDING HISPANIC 27 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 89 4 2 2 2.11 2.10 50-79%OF MSA/MD MEDIAN 193 6 4 1 1 2.05 1.90 80-99%OF MSA/MD MEDIAN 112 2 1 1 2.67 2.67 100-119%OFMSA/MD MEDIAN 79 1 1 1.90 1.90 120%OR MORE OFMSA/MD MEDIAN 279 2 1 1 2.28 2.28 INCOME NOT AVAILABLE 6/ 15 1 1 1.81 1.81 GENDER 19/ MALE 197 4 3 1 2.10 1.94 FEMALE 143 4 2 2 2.05 2.03 JOINT(MALE/FEMALE) 414 7 4 1 2 2.26 1.99 GENDER NOT AVAILABLE 6/ 13 1 1 1.94 1.94 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 713 15 9 3 1 2 2.17 1.97 10-19%MINORITY 42 20-49%MINORITY 12 1 1 1.81 1.81 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 26 MIDDLE INCOME 514 13 9 3 1 2.05 1.92 UPPER INCOME 227 3 1 1 1 2.54 2.63 Report Date: 06/04/2012 AGGREGATE TABLE 11-3:PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED Page 2 of 2 HOMES),BY BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN 30/ MEDIAN 31/ $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 126 ASIAN 1552 BLACK OR AFRICAN AMERICAN 120 NATIVE HAWAIIAN/OTHER PACIFIC 42 ISLND WHITE 99702 1734 887 211 518 118 2.22 1.99 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 276 RACE NOT AVAILABLE 6/ 4226 80 80 1.94 1.94 ETHNICITY 7/ HISPANIC OR LATINO 534 NOT HISPANIC OR LATINO 100591 1734 887 211 518 118 2.22 1.99 JOINT(HISPANIC OR LATINO/NOT 515 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 4404 80 80 1.94 1.94 MINORITY STATUS 8/ WHITE NON-HISPANIC 98375 1734 887 211 518 118 2.22 1.99 OTHERS,INCLUDING HISPANIC 3165 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 6180 331 197 134 2.09 1.99 50-79%OF MSA/MD MEDIAN 17754 546 377 77 92 2.03 1.89 80-99%OF MSA/MD MEDIAN 12486 93 67 26 2.36 1.97 100-119%OFMSA/MD MEDIAN 10062 65 65 1.90 1.90 120%OR MORE OFMSA/MD MEDIAN 57219 661 143 518 2.48 2.63 INCOME NOT AVAILABLE 6/ 2343 118 118 1.81 1.81 GENDER 19/ MALE 22373 736 218 518 2.42 2.63 FEMALE 13007 372 238 134 1.99 1.86 JOINT(MALE/FEMALE) 68469 626 431 77 118 2.11 1.92 GENDER NOT AVAILABLE 6/ 2195 80 80 1.94 1.94 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 99071 1696 849 211 518 118 2.23 1.99 10-19%MINORITY 4861 20-49%MINORITY 2112 118 118 1.81 1.81 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 1925 MIDDLE INCOME 65238 1087 850 211 26 1.95 1.90 UPPER INCOME 38881 727 117 518 92 2.58 2.63 Report Date: 06/04/2012 AGGREGATE TABLE 11-4:PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS,JUNIOR LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED Page 1 of 2 HOMES),BY BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 3.50-3.99 4.00-4.49 4.50-4.99 5.00-5.99 6.00-6.99 7ORMORE MEAN MEDIAN BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 16 4 1 1 2 4.92 5.06 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 16 4 1 1 2 4.92 5.06 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 MINORITY STATUS 8/ WHITE NON-HISPANIC 16 4 1 1 2 4.92 5.06 OTHERS,INCLUDING HISPANIC INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 50-79%OF MSA/MD MEDIAN 2 3 1 2 4.97 5.34 80-99%OF MSA/M D MEDIAN 3 100-119%OFMSA/MD MEDIAN 120%OR MORE OFMSA/MD MEDIAN 11 1 1 4.77 4.77 INCOME NOT AVAILABLE 6/ 1 GENDER 19/ MALE 3 2 1 1 4.72 4.72 FEMALE JOINT(MALE/FEMALE) 14 2 1 1 5.13 5.13 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 16 4 1 1 2 4.92 5.06 10-19%MINORITY 1 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 1 1 5.34 5.34 MIDDLE INCOME 6 2 1 1 4.79 4.79 UPPER INCOME 11 1 1 4.77 4.77 Report Date: 06/04/2012 AGGREGATE TABLE 11-4:PRICING INFORMATION FOR CONVENTIONAL HOME-PURCHASE LOANS,JUNIOR LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED Page 2 of 2 HOMES),BY BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 3.50-3.99 4.00-4.49 4.50-4.99 5.00-5.99 6.00-6.99 7ORMORE MEAN 30/ MEDIAN 31/ $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 893 71 3 46 22 4.92 4.77 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 74 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 893 71 3 46 22 4.92 4.77 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 74 MINORITY STATUS 8/ WHITE NON-HISPANIC 893 71 3 46 22 4.92 4.77 OTHERS,INCLUDING HISPANIC INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 50-79%OF MSA/MD MEDIAN 32 25 3 22 5.21 5.34 80-99%OF MSA/MD MEDIAN 51 100-119%OFMSA/MD MEDIAN 120%OR MORE OFMSA/MD MEDIAN 820 46 46 4.77 4.77 INCOME NOT AVAILABLE 6/ 64 GENDER 19/ MALE 59 22 3 19 5.17 5.34 FEMALE JOINT(MALE/FEMALE) 908 49 46 3 4.81 4.77 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 949 71 3 46 22 4.92 4.77 10-19%MINORITY 18 20-49%MINORITY 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 19 19 5.34 5.34 MIDDLE INCOME 558 6 3 3 4.79 4.79 UPPER INCOME 409 46 46 4.77 4.77 Report Date: 06/04/2012 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 Page 1 of 2 CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN MEDIAN LOANS I7/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 4 BLACK OR AFRICAN AMERICAN 1 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 166 5 4 1 1.99 1.89 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 RACE NOT AVAILABLE 6/ 11 ETHNICITY 7/ HISPANIC OR LATINO 1 NOT HISPANIC OR LATINO 170 4 3 1 2.04 1.90 JOINT(HISPANIC OR LATINO/NOT 1 1 1 1.78 1.78 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 11 MINORITY STATUS 8/ WHITE NON-HISPANIC 162 4 3 1 2.04 1.90 OTHERS,INCLUDING HISPANIC 8 1 1 1.78 1.78 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 10 50-79%OF MSA/MD MEDIAN 30 80-99%OF MSA/MD MEDIAN 19 2 2 1.72 1.72 100-119%OFMSA/MD MEDIAN 23 120%OR MORE OFMSA/MD MEDIAN 53 1 1 1.78 1.78 INCOME NOT AVAILABLE 6/ 48 2 1 1 2.36 2.36 GENDER 19/ MALE 53 2 2 1.90 1.90 FEMALE 35 1 1 1.55 1.55 JOINT(MALE/FEMALE) 90 2 1 1 2.30 2.30 GENDER NOT AVAILABLE 6/ 5 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 168 4 3 1 2.04 1.90 10-19%MINORITY 9 1 1 1.78 1.78 20-49%MINORITY 6 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 9 MIDDLE INCOME 135 5 4 1 1.99 1.89 UPPER INCOME 39 Report Date: 06/04/2012 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 Page 2 of 2 CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN 30/ MEDIAN 31/ LOANS I7/ $000's $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 426 BLACK OR AFRICAN AMERICAN 114 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 22136 561 484 77 1.90 1.78 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 267 RACE NOT AVAILABLE 6/ 1677 ETHNICITY 7/ HISPANIC OR LATINO 83 NOT HISPANIC OR LATINO 22846 353 276 77 1.97 1.89 JOINT(HISPANIC OR LATINO/NOT 94 208 208 1.78 1.78 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1597 MINORITY STATUS 8/ WHITE NON-HISPANIC 21725 353 276 77 1.97 1.89 OTHERS,INCLUDING HISPANIC 984 208 208 1.78 1.78 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 899 50-79%OF MSA/MD MEDIAN 3091 80-99%OF MSA/MD MEDIAN 2679 222 222 1.69 1.55 100-119%OFMSA/MD MEDIAN 3436 120%OR MORE OFMSA/MD MEDIAN 8543 208 208 1.78 1.78 INCOME NOT AVAILABLE 6/ 5972 131 54 77 2.43 2.81 GENDER 19/ MALE 6571 147 147 1.89 1.89 FEMALE 4096 129 129 1.55 1.55 JOINT(MALE/FEMALE) 13185 285 208 77 2.06 1.78 GENDER NOT AVAILABLE 6/ 768 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 22580 353 276 77 1.97 1.89 10-19%MINORITY 1064 208 208 1.78 1.78 20-49%MINORITY 976 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 960 MIDDLE INCOME 17542 561 484 77 1.90 1.78 UPPER INCOME 6118 Report Date: 06/04/2012 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 Page 1 of 2 CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN MEDIAN LOANS I7/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 78 1 1 1.73 1.73 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 2 RACE NOT AVAILABLE 6/ 10 1 1 2.13 2.13 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 78 1 1 1.73 1.73 JOINT(HISPANIC OR LATINO/NOT 1 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 11 1 1 2.13 2.13 MINORITY STATUS 8/ WHITE NON-HISPANIC 75 1 1 1.73 1.73 OTHERS,INCLUDING HISPANIC 3 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 4 50-79%OF MSA/MD MEDIAN 11 2 1 1 1.93 1.93 80-99%OF MSA/MD MEDIAN 4 100-119%OFMSA/MD MEDIAN 5 120%OR MORE OFMSA/MD MEDIAN 15 INCOME NOT AVAILABLE 6/ 51 GENDER 19/ MALE 31 1 1 1.73 1.73 FEMALE 4 JOINT(MALE/FEMALE) 48 GENDER NOT AVAILABLE 6/ 7 1 1 2.13 2.13 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 81 2 1 1 1.93 1.93 10-19%MINORITY 5 20-49%MINORITY 4 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 9 1 1 1.73 1.73 MIDDLE INCOME 65 UPPER INCOME 16 1 1 2.13 2.13 Report Date: 06/04/2012 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 Page 2 of 2 CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN 30/ MEDIAN 31/ LOANS I7/ $000's $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 11627 95 95 1.73 1.73 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 285 RACE NOT AVAILABLE 6/ 1496 118 118 2.13 2.13 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 11311 95 95 1.73 1.73 JOINT(HISPANIC OR LATINO/NOT 221 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1876 118 118 2.13 2.13 MINORITY STATUS 8/ WHITE NON-HISPANIC 10923 95 95 1.73 1.73 OTHERS,INCLUDING HISPANIC 506 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 346 50-79%OF MSA/MD MEDIAN 1087 213 95 118 1.95 2.13 80-99%OF MSA/MD MEDIAN 468 100-119%OFMSA/MD MEDIAN 773 120%OR MORE OFMSA/MD MEDIAN 2316 INCOME NOT AVAILABLE 6/ 8418 GENDER 19/ MALE 4408 95 95 1.73 1.73 FEMALE 378 JOINT(MALE/FEMALE) 7849 GENDER NOT AVAILABLE 6/ 773 118 118 2.13 2.13 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 12118 213 95 118 1.95 2.13 10-19%MINORITY 621 20-49%MINORITY 669 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 984 95 95 1.73 1.73 MIDDLE INCOME 9574 UPPER INCOME 2850 118 118 2.13 2.13 Report Date: 06/04/2012 AGGREGATE TABLE 11-7 PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN MEDIAN LOANS I7/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 4 ASIAN 23 1 1 1.64 1.64 BLACK OR AFRICAN AMERICAN 2 NATIVE HAWAIIAN/OTHER PACIFIC 1 ISLND WHITE 3340 46 25 10 5 3 3 2.54 1.97 3 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 29 RACE NOT AVAILABLE 6/ 100 1 1 1.52 1.52 ETHNICITY 7/ HISPANIC OR LATINO 18 1 1 1.99 1.99 NOT HISPANIC OR LATINO 3353 46 25 10 5 3 3 2.53 1.90 3 JOINT(HISPANIC OR LATINO/NOT 18 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 110 1 1 1.52 1.52 MINORITY STATUS 8/ WHITE NON-HISPANIC 3286 45 24 10 5 3 3 2.55 1.95 3 OTHERS,INCLUDING HISPANIC 93 2 2 1.82 1.82 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 184 7 4 1 2 2.11 1.85 50-79%OF MSA/MD MEDIAN 553 15 8 2 3 1 1 2.59 1.99 80-99%OF MSA/MD MEDIAN 469 7 2 3 2 3.87 2.06 2 100-119%OFMSA/MD MEDIAN 393 7 4 1 2 2.53 1.81 1 120%OR MORE OFMSA/MD MEDIAN 1780 12 9 3 1.81 1.73 INCOME NOT AVAILABLE 6/ 120 GENDER 19/ MALE 591 10 4 3 2 1 2.84 2.07 1 FEMALE 435 14 9 3 1 1 2.29 1.82 JOINT(MALE/FEMALE) 2406 23 13 4 2 3 1 2.53 1.81 2 GENDER NOT AVAILABLE 6/ 67 1 1 1.52 1.52 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 3261 44 25 10 4 3 2 2.37 1.83 2 10-19%MINORITY 170 3 2 1 4.18 1.99 1 20-49%MINORITY 68 1 1 3.29 3.29 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 93 1 1 2.09 2.09 MIDDLE INCOME 2244 36 21 5 5 2 3 2.64 1.90 2 UPPER INCOME 1162 11 6 4 1 2.10 1.75 1 Report Date: 06/04/2012 AGGREGATE TABLE 11-7:PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN 30/ MEDIAN 31/ LOANS I7/ $000's $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 715 ASIAN 3968 283 283 1.64 1.64 BLACK OR AFRICAN AMERICAN 194 NATIVE HAWAIIAN/OTHER PACIFIC 121 ISLND WHITE 436761 4157 2333 1067 292 301 164 2.38 1.99 291 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 3699 RACE NOT AVAILABLE 6/ 13060 351 351 1.52 1.52 ETHNICITY 7/ HISPANIC OR LATINO 2073 125 125 1.99 1.99 NOT HISPANIC OR LATINO 440156 4315 2491 1067 292 301 164 2.34 1.81 291 JOINT(HISPANIC OR LATINO/NOT 1976 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 14313 351 351 1.52 1.52 MINORITY STATUS 8/ WHITE NON-HISPANIC 430099 4032 2208 1067 292 301 164 2.39 1.95 291 OTHERS,INCLUDING HISPANIC 12626 408 408 1.75 1.64 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 12155 300 142 69 89 2.20 2.23 50-79%OF MSA/MD MEDIAN 46475 1049 631 105 203 67 43 2.43 1.99 80-99%OF MSA/MD MEDIAN 48922 623 144 358 121 3.29 2.06 121 100-119%OFMSA/MD MEDIAN 43004 715 369 112 234 2.65 1.81 170 120%OR MORE OFMSA/MD MEDIAN 293621 2104 1681 423 1.77 1.70 INCOME NOT AVAILABLE 6/ 14341 GENDER 19/ MALE 67512 869 506 262 64 37 2.25 1.99 37 FEMALE 41860 1187 644 420 80 43 2.21 1.99 JOINT(MALE/FEMALE) 341435 2384 1466 385 148 301 84 2.42 1.78 254 GENDER NOT AVAILABLE 6/ 7711 351 351 1.52 1.52 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 426789 4398 2666 1067 237 301 127 2.23 1.78 254 10-19%MINORITY 19774 338 301 37 2.64 1.99 37 20-49%MINORITY 11955 55 55 3.29 3.29 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 7018 64 64 2.09 2.09 MIDDLE INCOME 276357 2963 1900 476 292 131 164 2.40 1.81 121 UPPER INCOME 175143 1764 1067 527 170 2.06 1.64 170 Report Date: 06/04/2012 AGGREGATE TABLE 11-8:PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS,JUNIOR LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 3.50-3.99 4.00-4.49 4.50-4.99 5.00-5.99 6.00-6.99 7ORMORE MEAN MEDIAN LOANS I7/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 1 1 1 5.48 5.48 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 149 19 4 3 5 5 2 4.85 4.70 2 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 8 3 1 1 1 6.57 4.72 1 ETHNICITY 7/ HISPANIC OR LATINO 1 NOT HISPANIC OR LATINO 146 21 4 3 6 6 2 4.88 4.72 2 JOINT(HISPANIC OR LATINO/NOT 1 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 10 2 1 1 7.49 7.49 1 MINORITY STATUS 8/ WHITE NON-HISPANIC 145 19 4 3 5 5 2 4.85 4.70 2 OTHERS,INCLUDING HISPANIC 3 1 1 5.48 5.48 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 6 50-79%OF MSA/MD MEDIAN 22 4 3 1 4.14 3.75 80-99%OF MSA/MD MEDIAN 28 2 2 4.74 4.74 100-119%OFMSA/MD MEDIAN 23 6 1 1 2 2 4.66 4.67 120%OR MORE OFMSA/MD MEDIAN 76 11 1 2 2 3 3 5.76 5.01 3 INCOME NOT AVAILABLE 6/ 3 GENDER 19/ MALE 19 3 1 1 1 4.58 4.67 FEMALE 20 2 1 1 4.51 4.51 JOINT(MALE/FEMALE) 112 17 2 3 5 4 3 5.36 4.81 3 GENDER NOT AVAILABLE 6/ 7 1 1 3.53 3.53 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 144 23 5 3 6 6 3 5.10 4.72 3 10-19%MINORITY 13 20-49%MINORITY 1 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 4 1 1 4.70 4.70 MIDDLE INCOME 105 13 4 2 3 2 2 5.12 4.64 2 UPPER INCOME 49 9 1 1 2 4 1 5.12 5.01 1 Report Date: 06/04/2012 AGGREGATE TABLE 11-8:PRICING INFORMATION FOR CONVENTIONAL REFINANCING LOANS,JUNIOR LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 3.50-3.99 4.00-4.49 4.50-4.99 5.00-5.99 6.00-6.99 7ORMORE MEAN 30/ MEDIAN 31/ LOANS I7/ $000's $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 161 29 29 5.48 5.48 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 6392 482 140 134 61 78 69 4.78 4.35 69 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1943 140 66 58 16 4.93 4.72 16 ETHNICITY 7/ HISPANIC OR LATINO 80 NOT HISPANIC OR LATINO 6399 569 140 134 119 107 69 4.81 4.64 69 JOINT(HISPANIC OR LATINO/NOT 34 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1983 82 66 16 5.08 3.53 16 MINORITY STATUS 8/ WHITE NON-HISPANIC 6238 482 140 134 61 78 69 4.78 4.35 69 OTHERS,INCLUDING HISPANIC 275 29 29 5.48 5.48 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 168 50-79%OF MSA/MD MEDIAN 825 154 125 29 4.06 3.79 80-99%OF MSA/MD MEDIAN 935 22 22 4.75 4.81 100-119%OFMSA/MD MEDIAN 750 109 15 32 33 29 4.60 4.64 120%OR MORE OFMSA/MD MEDIAN 4008 366 66 102 64 49 85 5.25 4.72 85 INCOME NOT AVAILABLE 6/ 1810 GENDER 19/ MALE 537 57 19 9 29 4.72 5.48 FEMALE 631 72 58 14 4.07 3.79 JOINT(MALE/FEMALE) 5399 456 63 134 110 64 85 5.17 4.70 85 GENDER NOT AVAILABLE 6/ 1929 66 66 3.53 3.53 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 7622 651 206 134 119 107 85 4.84 4.40 85 10-19%MINORITY 819 20-49%MINORITY 55 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 77 9 9 4.70 4.70 MIDDLE INCOME 4348 439 148 102 91 39 59 4.80 4.35 59 UPPER INCOME 4071 203 58 32 19 68 26 4.93 4.81 26 Report Date: 06/04/2012 AGGREGATE TABLE 11-9:PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN MEDIAN LOANS I7/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 2 BLACK OR AFRICAN AMERICAN 1 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 180 5 3 1 1 2.10 1.88 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 2 RACE NOT AVAILABLE 6/ 7 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 183 5 3 1 1 2.10 1.88 JOINT(HISPANIC OR LATINO/NOT 1 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 8 MINORITY STATUS 8/ WHITE NON-HISPANIC 178 5 3 1 1 2.10 1.88 OTHERS,INCLUDING HISPANIC 6 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 12 1 1 1.75 1.75 50-79%OF MSA/MD MEDIAN 53 1 1 2.11 2.11 80-99%OF MSA/MD MEDIAN 33 1 1 2.95 2.95 100-119%OFMSA/MD MEDIAN 21 120%OR MORE OFMSA/MD MEDIAN 72 2 2 1.85 1.85 INCOME NOT AVAILABLE 6/ 1 GENDER 19/ MALE 25 2 1 1 1.93 1.93 FEMALE 35 JOINT(MALE/FEMALE) 126 3 2 1 2.22 1.88 GENDER NOT AVAILABLE 6/ 6 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 175 5 3 1 1 2.10 1.88 10-19%MINORITY 14 20-49%MINORITY 3 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 5 MIDDLE INCOME 133 3 1 1 1 2.27 2.11 UPPER INCOME 54 2 2 1.85 1.85 Report Date: 06/04/2012 AGGREGATE TABLE 11-9:PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS,FIRST LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES),BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5ORMORE MEAN 30/ MEDIAN 31/ LOANS I7/ $000's $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 368 BLACK OR AFRICAN AMERICAN 56 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 16775 272 141 99 32 2.07 1.88 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 276 RACE NOT AVAILABLE 6/ 653 ETHNICITY 7/ HISPANIC OR LATINO NOT HISPANIC OR LATINO 17145 272 141 99 32 2.07 1.88 JOINT(HISPANIC OR LATINO/NOT 199 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 784 MINORITY STATUS 8/ WHITE NON-HISPANIC 16445 272 141 99 32 2.07 1.88 OTHERS,INCLUDING HISPANIC 899 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 659 25 25 1.75 1.75 50-79%OF MSA/MD MEDIAN 3560 99 99 2.11 2.11 80-99%OF MSA/MD MEDIAN 2631 32 32 2.95 2.95 100-119%OFMSA/MD MEDIAN 1618 120%OR MORE OFMSA/MD MEDIAN 9588 116 116 1.86 1.88 INCOME NOT AVAILABLE 6/ 72 GENDER 19/ MALE 2281 124 25 99 2.04 2.11 FEMALE 2249 JOINT(MALE/FEMALE) 13141 148 116 32 2.09 1.88 GENDER NOT AVAILABLE 6/ 457 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 16765 272 141 99 32 2.07 1.88 10-19%MINORITY 990 20-49%MINORITY 373 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 229 MIDDLE INCOME 11845 156 25 99 32 2.22 2.11 UPPER INCOME 6054 116 116 1.86 1.88 Report Date: 06/04/2012 AGGREGATE TABLE 11-10:PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS,JUNIOR LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES), Page 1 of 2 BY BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 3.50-3.99 4.00-4.49 4.50-4.99 5.00-5.99 6.00-6.99 7ORMORE MEAN MEDIAN LOANS I7/ BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 3 BLACK OR AFRICAN AMERICAN 3 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 101 6 1 3 1 1 5.84 5.23 1 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 1 RACE NOT AVAILABLE 6/ 5 ETHNICITY 7/ HISPANIC OR LATINO 3 NOT HISPANIC OR LATINO 105 6 1 3 1 1 5.84 5.23 1 JOINT(HISPANIC OR LATINO/NOT 1 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 4 MINORITY STATUS 8/ WHITE NON-HISPANIC 98 6 1 3 1 1 5.84 5.23 1 OTHERS,INCLUDING HISPANIC 11 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 5 50-79%OF MSA/MD MEDIAN 16 1 1 5.21 5.21 80-99%OF MSA/MD MEDIAN 14 2 1 1 6.88 6.88 1 100-119%OFMSA/MD MEDIAN 16 1 1 5.23 5.23 120%OR MORE OFMSA/MD MEDIAN 62 2 1 1 5.42 5.42 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 20 1 1 8.54 8.54 1 FEMALE 18 1 1 5.21 5.21 JOINT(MALE/FEMALE) 71 4 1 2 1 5.32 5.23 GENDER NOT AVAILABLE 6/ 4 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 104 6 1 3 1 1 5.84 5.23 1 10-19%MINORITY 8 20-49%MINORITY 1 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 5 1 1 6.70 6.70 MIDDLE INCOME 80 5 1 3 1 5.67 5.22 1 UPPER INCOME 28 Report Date: 06/04/2012 AGGREGATE TABLE 11-10:PRICING INFORMATION FOR CONVENTIONAL HOME IMPROVEMENT LOANS,JUNIOR LIEN, 1-TO 4-FAMILY OWNER-OCCUPIED DWELLING(EXCLUDES MANUFACTURED HOMES), Page 2 of 2 BY BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED HOEPA CHARACTERISTICS PRICING DATA PRICING DATA 3.50-3.99 4.00-4.49 4.50-4.99 5.00-5.99 6.00-6.99 7ORMORE MEAN 30/ MEDIAN 31/ LOANS I7/ $000's $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE ASIAN 48 BLACK OR AFRICAN AMERICAN 115 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 2096 135 53 48 9 25 5.51 5.22 25 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) 20 RACE NOT AVAILABLE 6/ 129 ETHNICITY 7/ HISPANIC OR LATINO 36 NOT HISPANIC OR LATINO 2243 135 53 48 9 25 5.51 5.22 25 JOINT(HISPANIC OR LATINO/NOT 30 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 99 MINORITY STATUS 8/ WHITE NON-HISPANIC 2060 135 53 48 9 25 5.51 5.22 25 OTHERS,INCLUDING HISPANIC 249 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 86 50-79%OF MSA/MD MEDIAN 403 11 11 5.21 5.21 80-99%OF MSA/MD MEDIAN 274 50 25 25 6.88 6.88 25 100-119%OFMSA/MD MEDIAN 349 12 12 5.23 5.23 120%OR MORE OFMSA/MD MEDIAN 1296 62 53 9 4.50 4.13 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 349 25 25 8.54 8.54 25 FEMALE 417 11 11 5.21 5.21 JOINT(MALE/FEMALE) 1543 99 53 37 9 4.77 4.13 GENDER NOT AVAILABLE 6/ 99 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 2279 135 53 48 9 25 5.51 5.22 25 10-19%MINORITY 119 20-49%MINORITY 10 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME 97 9 9 6.70 6.70 MIDDLE INCOME 1733 126 53 48 25 5.42 5.21 25 UPPER INCOME 578 Report Date: 06/04/2012 AGGREGATE TABLE 12-1:DISPOSITION OF APPLICATIONS FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS,FIRST LIEN,OWNER-OCCUPIED Page 1 of 1 DWELLING,BY BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI Applications Loans Apps.Approved But Applications Applications Files Closed For BORROWER OR CENSUS TRACT Received 20/ Originated Not Accepted Denied Withdrawn Incompleteness CHARACTERISTICS # $000's # $000's # $000's # $000's # $000's # $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 3 48 1 8 1 32 1 8 ASIAN 1 27 1 27 BLACK OR AFRICAN AMERICAN 1 35 1 35 NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 46 944 25 473 2 33 9 218 10 220 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 4 59 1 30 1 10 2 19 ETHNICITY 7/ HISPANIC OR LATINO 4 52 2 36 2 16 NOT HISPANIC OR LATINO 45 976 24 474 2 33 10 250 9 219 JOINT(HISPANIC OR LATINO/NOT HISPANIC OR LATINO) 2 44 1 21 1 23 ETHNICITY NOT AVAILABLE 6/ 4 41 1 7 1 10 2 24 MINORITY STATUS 8/ WH ITE NON-HISPANIC 41 874 22 439 2 33 9 218 8 184 OTHERS,INCLUDING HISPANIC 11 206 5 92 1 32 5 82 INCOME 9/ LESS THAN 50%OF MSA/MD MEDIAN 23 325 10 127 5 101 8 97 50-79%OF MSA/MD MEDIAN 23 605 15 373 1 13 3 89 4 130 80-99%OF MSA/MD MEDIAN 6 134 2 34 1 20 2 57 1 23 100-119%OF MSA/MD MEDIAN 1 32 1 32 120%OR MORE OF MSA/MD MEDIAN 2 17 1 4 1 13 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 11 175 5 76 1 5 5 94 FEMALE 15 351 7 137 2 33 3 108 3 73 JOINT(MALE/FE MALE) 28 577 16 325 6 137 6 115 GENDER NOT AVAILABLE 6/ 1 10 1 10 CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 35 861 17 423 1 20 8 204 9 214 10-19%MINORITY 6 70 3 28 1 16 2 26 20-49%MINORITY 14 182 8 87 1 13 2 40 3 42 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOW INCOME MODERATE INCOME MIDDLE INCOME 32 529 18 299 2 33 5 83 7 114 UPPER INCOME 23 584 10 239 6 177 7 168 Report Date: 06/04/2012 AGGREGATE TABLE 12-2:PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS,FIRST LIEN,OWNER-OCCUPIED DWELLING,BY Page 1 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5.00-5.99 6ORMORE MEAN MEDIAN BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 1 1 16.20 16.20 ASIAN 1 1 11.84 11.84 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 6 19 1 18 13.10 14.24 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 1 1 10.44 10.44 ETHNICITY 7/ HISPANIC OR LATINO 2 2 13.64 13.64 NOT HISPANIC OR LATINO 6 18 1 17 12.77 13.17 JOINT(HISPANIC OR LATINO/NOT 1 1 14.34 14.34 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 1 1 15.87 15.87 MINORITY STATUS 8/ WHITE NON-HISPANIC 6 16 1 15 12.62 13.17 OTHERS,INCLUDING HISPANIC 5 5 13.93 14.34 INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 10 10 15.02 15.49 50-79%OF MSA/MD MEDIAN 6 9 1 8 10.74 10.86 80-99%OF MSA/M D MEDIAN 2 2 13.17 13.17 100-119%OFMSA/MD MEDIAN 120%OR MORE OF MSA/MD MEDIAN 1 1 14.24 14.24 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 2 3 3 14.93 15.04 FEMALE 1 6 1 5 11.92 12.95 JOINT(MALE/FEMALE) 3 13 13 13.16 12.11 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 6 11 1 10 11.12 10.86 10-19%MINORITY 3 3 15.57 15.63 20-49%MINORITY 8 8 14.79 15.04 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME MIDDLE INCOME 6 12 1 11 14.10 15.04 UPPER INCOME 10 10 11.82 11.07 Report Date: 06/04/2012 AGGREGATE TABLE 12-2:PRICING INFORMATION FOR CONVENTIONAL MANUFACTURED HOME-PURCHASE LOANS,FIRST LIEN,OWNER-OCCUPIED DWELLING,BY Page 2 of 2 BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI 15/ PERCENTAGE POINTS ABOVE AVERAGE PRIME OFFER RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/ BORROWER OR CENSUS TRACT NO REPORTED REPORTED CHARACTERISTICS PRICING DATA PRICING DATA 1.50-1.99 2.00-2.49 2.50-2.99 3.00-3.99 4.00-4.99 5.00-5.99 6ORMORE MEAN 30/ MEDIAN 31/ $000's $000's $000's $000's $000's $000's $000's $000's $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 8 8 16.20 16.20 ASIAN 27 27 11.84 11.84 BLACK OR AFRICAN AMERICAN NATIVE HAWAIIAN/OTHER PACIFIC ISLND WHITE 154 319 30 289 11.78 11.90 2 OR MORE MINORITY RACES JOINT(WHITE/MINORITY RACE) RACE NOT AVAILABLE 6/ 30 30 10.44 10.44 ETHNICITY 7/ HISPANIC OR LATINO 36 36 11.51 10.44 NOT HISPANIC OR LATINO 154 320 30 290 11.54 11.84 JOINT(HISPANIC OR LATINO/NOT 21 21 14.34 14.34 HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 7 7 15.87 15.87 MINORITY STATUS 8/ WHITE NON-HISPANIC 154 285 30 255 11.38 11.27 OTHERS,INCLUDING HISPANIC 92 92 12.66 11.84 INCOME 9/ LESS THAN 50%OF MSA/M D MEDIAN 127 127 13.83 15.04 50-79%OF MSA/MD MEDIAN 154 219 30 189 10.34 10.86 80-99%OF MSA/M D MEDIAN 34 34 12.98 12.11 100-119%OFMSA/MD MEDIAN 120%OR MORE OF MSA/MD MEDIAN 4 4 14.24 14.24 INCOME NOT AVAILABLE 6/ GENDER 19/ MALE 54 22 22 15.08 15.04 FEMALE 27 110 30 80 10.02 10.86 JOINT(MALE/FEMALE) 73 252 252 12.24 11.84 GENDER NOT AVAILABLE 6/ CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 154 269 30 239 10.57 10.86 10-19%MINORITY 28 28 15.19 14.93 20-49%MINORITY 87 87 14.38 14.34 50-79%MINORITY 80-100%MINORITY INCOME CHARACTERISTICS 12/13/ LOWINCOME MODERATE INCOME MIDDLE INCOME 154 145 30 115 12.43 14.34 UPPER INCOME 239 239 11.36 10.86 Report Date: 06/04/2012 AGGREGATE SUMMARY TABLE A1:DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE,1-TO 4-FAMILY DWELLINGS(EXCLUDES MANUFACTURED HOMES),2011 Page 1 of 2 MSA/MD:36780-OSHKOSH-NEENAH,WI HOME PURCHASE REFINANCE HOMEIMPROVEMENT LOAN TYPE FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN TOTAL APPLICATIONS 28/ CONVENTIONAL 1182 30 5421 253 275 174 128 FHA 380 483 11 VA 90 167 3 FSA/RHS 23 5 LOANS ORIGINATED CONVENTIONAL 951 22 3755 187 212 122 78 FHA 273 189 5 VA 66 95 2 FSA/RHS 17 4 APPLICATIONS APPROVED BUT NOT ACCEPTED CONVENTIONAL 49 2 242 11 11 5 8 FHA 17 18 VA 1 7 FSA/RHS 1 APPLICATIONS DENIED CONVENTIONAL 105 3 821 29 37 32 37 FHA 62 134 5 VA 17 24 FSA/RHS 2 APPLICATIONS WITHDRAWN CONVENTIONAL 66 3 451 21 12 13 4 FHA 26 119 1 VA 4 33 1 FSA/RHS 2 1 FILES CLOSED FOR INCOMPLETENESS CONVENTIONAL 11 152 5 3 2 1 FHA 2 23 VA 2 8 FSA/RHS 1 Report Date: 06/04/2012 AGGREGATE SUMMARY TABLE A1:DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE,1-TO 4-FAMILY DWELLINGS(EXCLUDES MANUFACTURED HOMES),2011 Page 2 of 2 MSA/MD:36780-OSHKOSH-NEENAH,WI HOME PURCHASE REFINANCE HOMEIMPROVEMENT LOAN TYPE FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN MEMO ITEM:SUBSET OF LOANS ORIGINATED PREAPPROVALS RESULTING IN ORIGINATIONS CONVENTIONAL 248 2 NA NA NA NA NA FHA 29 NA NA NA NA NA VA 13 NA NA NA NA NA FSA/RHS 2 NA NA NA NA NA LOANS SOLD CONVENTIONAL 545 2316 6 67 1 FHA 245 178 3 VA 62 83 1 FSA/RHS 16 4 Report Date: 06/04/2012 AGGREGATE SUMMARY TABLE A2:DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE,MANUFACTURED HOMES,2011 Page 1 of 2 MSA/MD:36780-OSHKOSH-NEENAH,WI HOME PURCHASE REFINANCE HOMEIMPROVEMENT LOAN TYPE FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN TOTAL APPLICATIONS 28/ CONVENTIONAL 55 8 2 FHA 1 1 VA FSA/RHS LOANS ORIGINATED CONVENTIONAL 28 6 FHA 1 VA FSA/RHS APPLICATIONS APPROVED BUT NOT ACCEPTED CONVENTIONAL 2 FHA VA FSA/RHS APPLICATIONS DENIED CONVENTIONAL 11 2 2 FHA 1 VA FSA/RHS APPLICATIONS WITHDRAWN CONVENTIONAL 14 FHA VA FSA/RHS FILES CLOSED FOR INCOMPLETENESS CONVENTIONAL FHA VA FSA/RHS Report Date: 06/04/2012 AGGREGATE SUMMARY TABLE A2:DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE,MANUFACTURED HOMES,2011 Page 2 of 2 MSA/MD:36780-OSHKOSH-NEENAH,WI HOME PURCHASE REFINANCE HOMEIMPROVEMENT LOAN TYPE FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN MEMO ITEM:SUBSET OF LOANS ORIGINATED PREAPPROVALS RESULTING IN ORIGINATIONS CONVENTIONAL NA NA NA NA NA FHA NA NA NA NA NA VA NA NA NA NA NA FSA/RHS NA NA NA NA NA LOANS SOLD CONVENTIONAL 1 FHA 1 VA FSA/RHS Report Date: 06/04/2012 AGGREGATE SUMMARY TABLE A3:DISPOSITION OF APPLICATIONS AND LOAN SALES BY LOAN TYPE,MULTIFAMILY HOUSING,2011 Page 1 of 1 MSA/MD:36780-OSHKOSH-NEENAH,WI HOME PURCHASE REFINANCE HOMEIMPROVEMENT LOAN TYPE FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN TOTAL APPLICATIONS 28/ CONVENTIONAL 11 1 20 2 1 FHA VA FSA/RHS LOANS ORIGINATED CONVENTIONAL 9 1 14 2 1 FHA VA FSA/RHS APPLICATIONS APPROVED BUT NOT ACCEPTED CONVENTIONAL 3 FHA VA FSA/RHS APPLICATIONS DENIED CONVENTIONAL 2 FHA VA FSA/RHS APPLICATIONS WITHDRAWN CONVENTIONAL 1 1 FHA VA FSA/RHS FILES CLOSED FOR INCOMPLETENESS CONVENTIONAL 1 FHA VA FSA/RHS MEMO ITEM:SUBSET OF LOANS ORIGINATED LOANS SOLD CONVENTIONAL FHA VA FSA/RHS Report Date: 06/04/2012 AGGREGATE SUMMARY TABLE A4:DISPOSITION OF PREAPPROVALS FOR CONVENTIONAL HOME-PURCHASE LOANS,FIRST LIEN,1-TO 4-FAMILY DWELLINGS Page 1 of 1 (EXCLUDES MANUFACTURED HOMES),BY BORROWER OR CENSUS TRACT CHARACTERISTICS,2011 MSA/MD:36780-OSHKOSH-NEENAH,WI BORROWER OR CENSUS TRACT PREAPPROVALS RESULTING IN PREAPPROVALS APPROVED BUT PREAPPROVALS CHARACTERISTICS ORIGINATIONS NOT ACCEPTED 29/ DENIED # $000's # $000's # $000's BORROWER CHARACTERISTICS RACE 5/ AMERICAN INDIAN/ALASKA NATIVE 2 126 NA NA NA NA ASIAN 4 426 NA NA NA NA BLACK OR AFRICAN AMERICAN 1 120 NA NA NA NA NATIVE HAWAIIAN/OTHER PACIFIC NA NA NA NA ISLND WHITE 231 28097 NA NA NA NA 2 OR MORE MINORITY RACES NA NA NA NA JOINT(WHITE/MINORITY RACE) NA NA NA NA RACE NOT AVAILABLE 6/ 10 1816 NA NA NA NA ETHNICITY 7/ HISPANIC OR LATINO 3 264 NA NA NA NA NOT HISPANIC OR LATINO 234 28458 NA NA NA NA JOINT(HISPANIC OR LATINO/NOT 1 47 NA NA NA NA HISPANIC OR LATINO) ETHNICITY NOT AVAILABLE 6/ 10 1816 NA NA NA NA MINORITY STATUS 8/ WHITE NON-HISPANIC 227 27786 NA NA NA NA OTHERS,INCLUDING HISPANIC 11 983 NA NA NA NA INCOME 9/ LESSTHAN 50%OF MSA/MD MEDIAN 34 2475 NA NA NA NA 50-79%OF MSA/MD MEDIAN 71 6267 NA NA NA NA 80-99%OF MSA/MD MEDIAN 32 3312 NA NA NA NA 100-119%OFMSA/MD MEDIAN 23 2797 NA NA NA NA 120%OR MORE OF MSA/MD MEDIAN 82 15001 NA NA NA NA INCOME NOT AVAILABLE 6/ 6 733 NA NA NA NA GENDER 19/ MALE 58 6311 NA NA NA NA FEMALE 47 4444 NA NA NA NA JOINT(MALE/FEMALE) 137 18908 NA NA NA NA GENDER NOT AVAILABLE 6/ 6 922 NA NA NA NA CENSUS TRACT CHARACTERISTICS 10/ RACIAL/ETHNIC COMPOSITION 11/ LESS THAN 10%MINORITY 229 28322 NA NA NA NA 10-19%MINORITY 16 1545 NA NA NA NA 20-49%MINORITY 3 718 NA NA NA NA 50-79%MINORITY NA NA NA NA 80-100%MINORITY NA NA NA NA INCOME CHARACTERISTICS 12/13/ LOW INCOME NA NA NA NA MODERATE INCOME 5 349 NA NA NA NA MIDDLE INCOME 179 20011 NA NA NA NA UPPER INCOME 64 10225 NA NA NA NA Report Date: 06/04/2012 AGGREGATE SUMMARY TABLE B:LOAN PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND LEVEL,2011 Page 1 of 1 MSA/MD:36780-OSHKOSH-NEENAH,WI HOME PURCHASE REFINANCE HOMEIMPROVEMENT PRICING INFORMATION FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN FIRST LIEN JUNIOR LIEN NO LIEN 1-TO 4-FAMILY OWNER OCCUPIED DWELLINGS(EXCLUDES MANUFACTURED HOMES) INCIDENCE OF PRICING NO PRICING REPORTED 15/ 767 17 3499 158 192 113 NA PRICING REPORTED 16 4 48 23 5 6 NA MEAN(POINTS ABOVE AVERAGE PRIME OFFER 2.15 4.92 2.50 5.10 2.10 5.84 NA RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/) MEDIAN(POINTS ABOVE AVERAGE PRIME OFFER 1.96 5.06 1.90 4.72 1.88 5.23 NA RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/) HOEPA STATUS HOEPA LOAN 17/ NA NA 3 3 1 NA NOT HOEPA LOAN NA NA 3544 178 197 118 NA MANUFACTURED HOME OWNER OCCUPIED DWELLINGS INCIDENCE OF PRICING NO PRICING REPORTED 15/ 6 5 NA PRICING REPORTED 22 1 NA MEAN(POINTS ABOVE AVERAGE PRIME OFFER 13.06 5.88 NA RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/) MEDIAN(POINTS ABOVE AVERAGE PRIME OFFER 14.24 5.88 NA RATE:ONLY INCLUDES LOANS WITH APR ABOVE THE THRESHOLD 16/) HOEPA STATUS HOEPA LOAN 17/ NA NA NA NOT HOEPA LOAN NA NA 6 NA Report Date: 06/04/2012