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BBC RESEARCH &CONSULTING APPENDIX A,PAGE 1 APPENDIX A. AI Supporting Maps This appendix contains the maps that were created to analyze segregation and integration; areas of racially and ethnically concentrated areas of poverty (RCAPs/ECAPs); affordable housing opportunities including publicly supported housing patterns; access to housing choices for persons with disabilities; and disparities in community assets. Racial and Ethnic Concentration and RCAPs and ECAPs For the purposes of this Analysis of Impediments to Fair Housing Choice (AI), racial and ethnic concentration is defined as Census tracts in which the non‐white or Hispanic resident proportion is 20 percentage points higher than the proportion for the city overall. Census tracts in which the proportion of non‐Hispanic white residents exceeds 90 percent are identified as racially and ethnically exclusive. Maps A‐1 through A‐3 show the concentrations of: African American residents (more than 28% African American residents—20 percentage points higher than the city’s overall proportion of 8%); Hispanic residents (more than 55% Hispanic); and Asian residents (more than 26% Asian).

APPENDIX A. AI Supporting Maps - Austin, Texasaustintexas.gov/sites/default/files/files/NHCD/Reports...APPENDIX A. AI Supporting Maps ... Fourteen RCAPs and ECAPs were identified using

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BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 1 

APPENDIX A. AI Supporting Maps 

Thisappendixcontainsthemapsthatwerecreatedtoanalyzesegregationandintegration;areasofraciallyandethnicallyconcentratedareasofpoverty(RCAPs/ECAPs);affordablehousingopportunitiesincludingpubliclysupportedhousingpatterns;accesstohousingchoicesforpersonswithdisabilities;anddisparitiesincommunityassets.

Racial and Ethnic Concentration and RCAPs and ECAPs 

ForthepurposesofthisAnalysisofImpedimentstoFairHousingChoice(AI),racialandethnicconcentrationisdefinedasCensustractsinwhichthenon‐whiteorHispanicresidentproportionis20percentagepointshigherthantheproportionforthecityoverall.

Censustractsinwhichtheproportionofnon‐Hispanicwhiteresidentsexceeds90percentareidentifiedasraciallyandethnicallyexclusive.

MapsA‐1throughA‐3showtheconcentrationsof:

AfricanAmericanresidents(morethan28%AfricanAmericanresidents—20percentagepointshigherthanthecity’soverallproportionof8%);

Hispanicresidents(morethan55%Hispanic);and

Asianresidents(morethan26%Asian).

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 2 

Figure A‐1. Concentrations of African American Residents by Census Tract, Austin, 2012 

Source: 

2008‐2012 American Community Survey (ACS) and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 3 

Figure A‐2. Concentrations of Hispanic Residents by Census Tract, Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 4 

Figure A‐3. Concentrations of Asian Residents by Census Tract, Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 5 

FigureA‐4showsCensustractsinAustinthatare“majorityminority”—thatis,wheremorethan50percentofresidentsarenon‐whiteand/orHispanic.Similartotheraceandethnicityspecificconcentrations(showninA‐1throughA‐3),theseCensustractsarealmostentirelyinEastAustin.

Figure A‐4. Census Tracts with Greater than 50 PercentMinority Concentration, Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 6 

FigureA‐5showsareasinAustinwheretheproportionofnon‐Hispanicwhiteresidentsexceeds90percent;theseareconsideredraciallyandethnicallyexclusiveareasforthepurposeofthisAI.Theseareashave40percentagepointsmorethanthecitywideproportionofnon‐Hispanicwhiteresidents.

Figure A‐5. Census Tracts with Greater than 90 Percent Non‐Hispanic White Concentration, Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 7 

RCAPsorECAPsareCensustractswithracialandethnicconcentrationsandhighpovertyrates.RCAPsandECAPsaredefinedbyHUDasCensustractsthathavefamilypovertyratesexceeding40percentorthreetimestheregionalpovertyrateandaremajorityminority(i.e.,minoritiesaccountfor50%ormoreofthetotalpopulation).

FigureA‐6showstheRCAPsandECAPsinAustinasof2012.FigureA‐7showstheRCAPsandECAPsin2000.

FourteenRCAPsandECAPswereidentifiedusingthedatainthe2008‐2012ACS;thesemakeup4percentofthe332CensustractsthatarewhollyorpartiallycontainedwithinAustin.

In2000,accordingtothedecennialCensus,therewereonlythreeRCAPs/ECAPS,makingup1percentofthe242Censustractsinthecityatthattime.

Figure A‐6. Racially and Ethnically Concentrated Areas of Poverty (RCAPs/ECAPs) by Census Tract Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 8 

Figure A‐7. Racially and Ethnically Concentrated Areas of Poverty (RCAPs/ECAPs) by Census Tract Austin, 2000 

Source: 

2000 Census and BBC Research & Consulting. 

Thefollowingdotdensitymapssupplementtheconcentrationmaps.ThesemapsareconsistentwiththerequirementsofHUD’snewAssessmentofFairHousing(AFH)template.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 9 

Figure A‐8. African American Residents by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 10 

Figure A‐9. Hispanic Residents by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 11 

Figure A‐10. All Minorities by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 12 

ThefollowingfourmapsshowchangesintheresidencesofAfricanAmericanandHispanicresidentsbetween2000and2010.Asdemonstratedbythemaps,duringthepastdecade,AfricanAmericansmigratedawayfromEastAustinintothenorthernsuburbsandAfricanAmericanconcentrationsintheeasternpartofAustinbecamelesspronounced.

ThesuburbanareasaroundAustinalsogainedHispanicresidents—bothnorthernandsouthernareas—yetHispanicresidentconcentrationinthecentralandsoutheasternpartoftheCityofAustinremained.

Figure A‐11. Where African American Residents Lived,  Austin and Region, 2000 

Source: 

2000 Census and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 13 

Figure A‐12. Where African American Residents Lived,  Austin and Region, 2010 

Source: 

2010 Census and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 14 

Figure A‐13. Where Hispanic Residents Lived,  Austin and Region, 2000 

Source: 

2000 Census and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 15 

Figure A‐14. Where Hispanic Residents Lived,  Austin and Region, 2010 

Source: 

2010 Census and BBC Research & Consulting. 

 

 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 16 

National Origin and Limited English Proficiency 

FigureA‐15showsconcentrationsofthecity’sforeignbornresidents,usingthe“foreignborn”designationfromCensussurveys.ThemajorityofCensustractswithforeignbornconcentrationsarelocatedinEastAustin.Manyofthesearealsomajorityminorityareas.

Figure A‐15. Census Tracts with Foreign Born  Concentrations,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 17 

FigureA‐16usesdotdensitiestodisplaywhereforeign‐bornresidentslive.

Figure A‐16. Foreign Born  Residents by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 18 

FiguresA‐17andA‐18showwhereresidentswhoarelinguisticallyisolatedareconcentrated(firstmap)andreside(secondmap).ThesearealsoareasofHispanicconcentrations.

Figure A‐17. Census Tracts with Linguistically Isolated  Concentrations,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 19 

Figure A‐18. Linguistically Isolated Residents by Dot Density,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

 

 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 20 

Persons with Disabilities 

About10percentofAustinresidentsreporthavingoneormoredisabilities.Aconcentrationanalysisofpersonswithdisabilities,foundonlyoneCensustractwithaconcentration(morethan30%ofresidentswithadisability),asshownbelow.

Figure A‐19. Census Tracts with Persons with a Disability  Concentrations,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 21 

Residentsareverylikelytobecomedisabledastheyage:indeed,37percentofAustin’sseniorshaveoneormoredisability.Therearemanymoreconcentrationsofseniorswithdisabilitiesthanpersonswithdisabilitiesoverall,asshownbelow.

Figure A‐20. Census Tracts with Persons with a Disability over 65 Years Old  Concentrations,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

Acriticalcomponenttohousingchoiceforpersonswithdisabilitiesisavailabilityoftransitthatfacilitatesthroughoutacommunity.Asthefollowingparatransitmapsuggests,areaswithseniordisabilityconcentrationsareservedbyparatransit.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 22 

Figure A‐21. Areas Served by Paratransit Services and Capital Metro Transit Stops,  Austin, 2012 

Source: 

City of Austin and BBC Research & Consulting. 

 

 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 23 

Persons living in Poverty 

Abodyofpovertyresearchhasfoundthata40percentpovertyrateisthepointatwhichaneighborhoodbecomessignificantlysociallyandeconomicallychallenged.Conversely,researchhasshownthatareaswithupto14percentofpovertyhavenonoticeableeffectoncommunityopportunity.1

FigureA‐22showsareaswithinAustinthathave1)povertyratesof15percentandless(wherepovertyisthoughttohave“nonoticeableeffect”onaneighborhood),2)povertyratesbetween15and39percent,and3)povertyratesof40percentandhigher(“sociallyandeconomicallychallenged”).Asthefiguredemonstrates,verylowpovertyareasarealmostexclusivelyonthewestsideofAustin;highpovertyareas,inEastAustin;andmoderatepovertyareasinthecentralpartsofthecity(partiallyduetothepresenceofstudents).

1TheCostsofConcentratedPoverty:NeighborhoodPropertyMarketsandtheDynamicsofDecline.”InNicolasP.RetsinasandEricS.Belsky,eds.,RevisitingRentalHousing:Policies,Programs,andPriorities.Washington,DC:BrookingsInstitution,116–9.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 24 

Figure A‐22. Poverty Rates by Census Tract,  Austin, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

FigureA‐23showsthehighpovertyCensustractsonly(40%povertyandgreater).Some,butnotall,ofthehighpovertyareasarealsoareasofAfricanAmericanandHispanicconcentrations.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 25 

Figure A‐23. Extremely High Poverty Census Tracts, 2012 

Source: 

2008‐2012 ACS and BBC Research & Consulting. 

 

 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 26 

Publicly Subsidized Housing 

Thissectionoftheappendixcontainsmapsthatoverlayaffordablehousing—primarilypubliclyassistedhousing,consistentwiththeAFH,withconcentrationsbyraceandethnicity,disability,povertyandRCAPs/ECAPs.

FiguresA‐24throughA‐28showthelocationofsubsidizedrentalunitsrelativetoconcentrations.Anestimated18,500affordablerentalunitsexistinAustin,accordingtotheCity’s2013affordablehousinginventorydatabase.Theseincludehousingauthorityunits,developmentsbuiltwithrentaltaxcredits,developmentsfundedbyGeneralObligation(GO)bonds,SMARTHousingdevelopmentsandothers.

MostZIPcodescontainabout3percentofthecity’ssubsidizedrentalunits.FourZIPcodeshavebetween9and10percentofthecity’ssubsidizedunitsandone—ZIPcode78741—contains18percentofthesubsidizedrentals.ZIPcode78741islocatedinSoutheastAustin,withEastRiversideAvenuecuttingthroughthemiddle.AbouthalfoftheareawithinthisZIPcodeisHispanic‐concentratedandveryhighpoverty.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 27 

Figure A‐24. Subsidized Rentals and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 28 

Figure A‐25. Subsidized Rentals and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 29 

Figure A‐26. Subsidized Rentals and Extremely High Poverty Census Tracts,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 30 

Figure A‐27. Subsidized Rentals and Census Tracts with Persons with a Disability Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 31 

Figure A‐28. Subsidized Rentals and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 32 

Thefollowinghousingmapsshowoverlaysofhousingchoicevoucherholdersandconcentrations.VoucherholdersareclusteredinbothAfricanAmerican‐andHispanic‐concentratedareas.Althoughvouchersclustersomewhatinareasofhighpoverty,thisislessprominentthaninminority‐concentratedareas.FewvoucherholderslivewestofI‐183.

Figure A‐29. Housing Choice Vouchers and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 33 

Figure A‐30. Housing Choice Vouchers and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 34 

Figure A‐31. Housing Choice Vouchers and Extremely High Poverty Census Tracts, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 35 

Figure A‐32. Housing Choice Vouchers and Census Tracts with Persons with a Disability Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 36 

Figure A‐33. Housing Choice Vouchers and Racially and Ethnically Concentrated Areas of Poverty, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 37 

ThefinalsetofhousingmapsshowthelocationofLowIncomeHousingTaxCredit(LIHTC)propertiesinrelationtoareasofconcentration.ThemapsshowclustersofLIHTCpropertiesinAfricanAmerican,Hispanicandpovertyconcentratedareas.

Figure A‐34. Low Income Housing Tax Credit (LIHTC) Locations and Census Tracts with African American Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 38 

Figure A‐35. Low Income Housing Tax Credit (LIHTC) Locations and Census Tracts with Hispanic Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 39 

Figure A‐36. Low Income Housing Tax Credit (LIHTC) Locations and Extremely High Poverty Census Tracts, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

Access to Opportunity 

ThissectionsupplementstheAccesstoOpportunityworkcompletedaspartofthe2013regionalstudy“TheGeographyofOpportunityinAustinandHowitisChanging.”ThemapsinthissectionexaminetherelationshipofprotectedclassandRCAP/ECAPconcentrationsusingvariablesthatwerenotincludedintheregionalstudy.Theseinclude:

Housingconditionandquality,asmeasuredbycodecompliancedata;

Incidenceofcrime(asanindependentvariable;theregionalstudyincorporatescrimeintoitsoverallopportunityindex);

Residentialforeclosures;and

Capitaldisinvestment(asmeasuredthroughhomemortgagedataanalysis).

ThefirstfourmapsoverlayareaswithrepeatcodeoffendersanddangerouslysubstandardpropertieswithareasofAfricanAmericanandHispanicconcentrations,areasofhighpoverty

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 40 

andRCAPs/ECAPs.Asthemapsshows,mostoftheunitsinsubstandardcondition(asmeasuredbycodecompliancedata)arelocatedinthecentralportionsofAustin,andnotnecessarilyinconcentratedareas.

Figure A‐37. Repeat Code Offenders, Dangerous and/or Substandard Properties, and Census Tracts with African American Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 41 

Figure A‐38. Repeat Code Offenders, Dangerous and/or Substandard Properties, and Census Tracts with Hispanic Concentration, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 42 

Figure A‐39. Repeat Code Offenders, Dangerous and/or Substandard Properties, and Extremely High Poverty Census Tracts, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 43 

Figure A‐40. Repeat Code Offenders, Dangerous and/or Substandard Properties, and Racially and Ethnically Concentrated Areas of Poverty, Austin, 2012 

Source: 

2008‐2012 ACS, City of Austin and BBC Research & Consulting. 

Thesecondsetofmapsshowtherelationshipbetweenareaswithveryhighcrimeandconcentrations.2Theoverlaysshowalimitednumberofareasthatareminorityorpovertyconcentratedandhaveveryhighcrimerates.

2ThecrimeindexisfromcommercialdataproviderESRIandincludesinformationaboutmurder,rape,robbery,assault,burglaryandmotorvehicletheft.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 44 

Figure A‐41. Areas with Very High Crime Rates and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, ESRI Crime Index and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 45 

Figure A‐42. Areas with Very High Crime Rates and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, ESRI Crime Index and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 46 

Figure A‐43. Areas with Very High Crime Rates and Extremely High Poverty Census Tracts,  Austin, 2012 

Source: 

2008‐2012 ACS, ESRI Crime Index and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 47 

Figure A‐44. Areas with Very High Crime Rates and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, ESRI Crime Index and BBC Research & Consulting. 

TheLocalInitiativeSupportCorporation(LISC)’sForeclosureResponseprojectprovidesdataonforeclosurerisktohelpcommunitiesbettertargetresourcesforforeclosureresolutionandprevention.TheLISCforeclosureindexincorporatesmeasuresofsubprimelending,foreclosures,delinquencyandvacancies.

ThefollowingmapsshowZIPcodeswithhighforeclosurerisk,accordingtotheLISCindex,andconcentrationsbyCensustract.TheseZIPcodeshavemorethanthreetimestheaverageriskintheregion,asofSeptember2013.

ManyoftheforeclosureriskareasalsoincludeCensustractswithHispanicconcentrations—butnotareasofhighpoverty.Someofthesearealsoareaswhereloanapplicationdenialswerehigh,asdiscussedinthefollowingsection.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 48 

Figure A‐45. Areas with High Foreclosure Risk and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, Local Initiative Support Corporation and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 49 

Figure A‐46. Areas with High Foreclosure Risk and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, Local Initiative Support Corporation and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 50 

Figure A‐47. Areas with High Foreclosure Risk and Extremely High Poverty Census Tracts,  Austin, 2012 

Source: 

2008‐2012 ACS, Local Initiative Support Corporation and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 51 

Figure A‐48. Areas with High Foreclosure Risk and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, Local Initiative Support Corporation and BBC Research & Consulting. 

ThefinalsetofsupplementalmapsoverlayhighloandenialCensustractswithconcentrations.Neighborhoodswithhighratesofresidentialloansdenialscanbeatriskofdisinvestmentandpropertydecline,relatedtoalackofprivatecapitalforhomepurchasesandimprovements.

Thehighdenialareasshowninthemapbelowhavetwicethedenialrate(32%)ofthecityoverall(16%).Ofthese17areas,allbutfouralsohaveHispanicconcentrations.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 52 

Figure A‐49. Areas with High Loan Denials and Census Tracts with African American Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, Home Mortgage Disclosure Act data and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 53 

Figure A‐50. Areas with High Loan Denials and Census Tracts with Hispanic Concentration,  Austin, 2012 

Source: 

2008‐2012 ACS, Home Mortgage Disclosure Act data and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 54 

Figure A‐51. Areas with High Loan Denials and Extremely High Poverty Census Tracts,  Austin, 2012 

Source: 

2008‐2012 ACS, Home Mortgage Disclosure Act data and BBC Research & Consulting. 

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 55 

Figure A‐52. Areas with High Loan Denials and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, Home Mortgage Disclosure Act data and BBC Research & Consulting. 

Thelastmapinthissectionshowsthelocationofpaydaylenders.Theselendersarelargelylocatedinthecentralpartsofthecitywhicharealsomoderate‐povertyareas.

BBC RESEARCH & CONSULTING  APPENDIX A, PAGE 56 

Figure A‐53. Payday Lenders and Racially and Ethnically Concentrated Areas of Poverty,  Austin, 2012 

Source: 

2008‐2012 ACS, Yelp.com and BBC Research & Consulting.