HomeMy WebLinkAbout04-17-2018 Human Rights CommissionAGENDA
Human Rights Commission
Tuesday, April 17, 2018
Helling Conference Room, City Hall
5:30 p.m.
1 Call Meeting to Order and Roll Call.
2. Public Comment of Items not on the Agenda.
3. Approval of Minutes:
a. Approve minutes from the March 20, 2018 and March 29, 2018
meeting.
b. Funding Request: Iowa United Nations Association.
c. Adoption of Strategic Planning Report 2018.
d. Collaboration/advocacy with the Iowa City Community School
District.
e. Lending Disparities in Federal Mortgage Data.
f. Know Your Rights (April 2 & 4).
g. Fair Housing Proclamation (April 2).
h. Fair Housing Trainings (April 17).
i. Social Justice Racial Equity Grant FY18.
j. Roles of Commissioners at Youth Awards (May 9).
k. Iowa City Pride (June 16).
I. Juneteenth (June 23).
m. Human Rights Breakfast Speaker (October 24).
4. Staff/Commission Comment.
5. Adjournment.
If you will need disability -related accommodations to participate in this meeting please
contact Stefanie Bowers at 319.356.5022 or at stefanie-bowers@iowa-city.org. Early
requests are strongly encouraged to allow sufficient time to meet your access needs.
Minutes for the Human Rights Commission
Regular Meeting
March 20, 2018
Hailing Conference Room
410 E. Washington Street
Commission Members Present:
Jeff Falk, Joe Coulter, Adil Adams, Cathy McGinnis, Jonathon Munoz, Barbara Kutzko.
Commission Members Absent:
Arianna Aron, Eliza Willis, Tahuanty Pena.
Staff Present:
Stefanie Bowers.
Others Present:
Sara Barron, John McKinstry, Maryann Dennis, Tracey Achenhach or behalf of the Johnson
County Affordable Housing Coalition.
Recommendations to Council: No. Alllr�
1. Call to Order: Commissioner Coulter called the meeting to order at 5:30 PM
2. Approval of February 22, 2018 Meeting Minutes:
Munoz moved to approve the minutes: the motion was seconded by Kutzko. A vote was
taken and the motion passed 5 -0. (Adams not present).
3. Proclamation for Fair Housing Month:
Commissioner Falk will accept the proclamation at the formalCityCouncil meeting on
Tuesday, April 3 on behalf of the Human Rights Commis,,-oon.
4. The Social Justice Racial EsquL y Grant FY 18 Update:
Staff reported that the: City Council will consider the Commission's recommendation for
funding allocation at its April 3'meeting date.
5. Johnson County Affordable Housing Coalition Video Presentation:
Sara Barron, Executive Director for the Johnson County Affordable Housing Coalition,
showcased the recency nroduced video on affordable housing. The video was funded from
the Social Justice and Racial Equity Grant for fiscal year 2017. The mission of the Coalition
is to increase access to affordable housing for lower -income persons in Johnson County
through advocacy, education, and partnerships.
6. Lending Disparities in Federal Mortgage Data:
Commissioner Falk presented on his duplication of the analysis from "How Reveal Identified
Lending Disparities in Federal Mortgage Data" by Martinez and Glantz. This report
identified Iowa City, among others, as a place "where applicants of color are more likely to
be denied a conventional mortgage". Commissioner Falk noted that credit reports were not a
part of the analysis which makes it difficult to assess the situation, that non -local lending
institutions are included in the study, and local banks like Hills and the University of Iowa
Community Credit Union have very low denial rates.
Minutes for the Human Rights Commission
Regular Meeting
March 20, 2018
Hailing Conference Room
410 E. Washington Street
7. Know Your Rights:
Commissioners Willis, Munoz, and Pena will be presenting on April 2 and April 4 at the
Neighborhood Centers of Johnson County to inform community members of their rights here
in Iowa City and also on the work of the Human Rights Office.
8. Fair Housing Training:
Staff is holding two complimentary fair housing trainings on April 17: The first session has
sold out and the second session has only a few spots left. This year marks the 50°i
Anniversary of the Fair Housing Act.
9. Night of 1000 Dinners:
Commissioner Falk attended this event held on March 7 at the Rober- N. Lee Recreation
Center. The Commission was one of many sponsors for he event. The event was well
attended and featured a panel discussion of persnns who attended Shabet- Primary School
in the Kakuma Refugee Camp in Kenya. Panelist shared their stories and perspectives on
refugee education
10. Youth Award Update:
N
Staff will send out the video link to the awards last year. Ngminations are trickling in and
staff will do one last big adverting push to solicit more. The event is scheduled for May 10 at
The Englert.
11. Human Rights Awards Breakfast Speaker:
Staff is asking Commissioners to think about potential speakers for the award's breakfast
this year. The event is scheduled for October 24 at the Hilton Garden Inn.
12. Reports of Commissioners:
Adams, highlighted the number of Sudanese owned businesses in the area.
Falk, is currently reviewing ICE detainees in Eldora, Iowa and crosschecking that with Iowa's
government court records site.
Coulter, was recently appointed to the Indian Advisory Council for the State Archeologist.
Kutzko, is a part of the . uneteenth planning committee for 2018.
Adjournment: Motion to adjourn at 7:08 PM.
The next Commission meeting will be on Thursday, March 29, 2018.
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Minutes for the Human Rights Commission
Work Session
March 29, 2018
Emma J. Harvat Hall
Commission Members Present:
Jeff Falk, Eliza Willis, Joe Coulter, Adil Adams, Tahuanty Pena, Cathy McGinnis, Jonathon
Munoz, Barbara Kutzko.
Staff Present:
Stefanie Bowers
Others Present:
Jeff Schott
Recommendations to Council: No.
1. Call to Order: Chair Willis called the meeting to order at 5.00 PM. *Pe
2. Strategic Planning Session:
The session included a discussion on the on -going commitments of the Commission, new
priorities projects, programs and initiatives, aril; organizational Ofectiveness. See
attachment for further detail.
3. Adjournment: Motion to adjourn at 6:42 PK
d&wV: tooting will be on Tuesday, April 17, 2018.
IOWA CITY
HUMAN RIGHT COMMISSION
STRATEGIC PLANNING SESSIONS
REPORT
2018
Facilitated by:
Jeff Schott
Institute of Public Affairs
University of Iowa
IOWA CITY -
HUMAN RIGHTS COMMISSION
STRATEGIC PLANNING SESSION
2018
TABLE OF CONTENTS
Introduction..................................................................................... Page 3
Update — 2014 Goals/Priorities...................................................... Page 4
General Duties of HRC ............................................................ Page 4
Areasof Interest ............................................... :........................... Page 5
Accomplishments......................................................................... Page 7
Issues, Concerns, Trends, and Opportunities .......................................... Page 8
On -Going Commitments.................................................................. Page 10
New Priority Projects, Programs or Initiatives ....................................... Page 11
Organizational Effectiveness Initiatives ............................................. Page 12
FinalComments................................................................................................. Page 13
Exhibit A — Significant Projects, Programs, Policies, and Initiatives Considered Page 14
2
IOWA CITY
HUMAN RIGHTS COMMISSION
STRATEGIC PLANNING SESSION
2018
Introduction
The Iowa City Human Rights Commission (ICHRC) requested the Institute of Public
Affairs (IPA) to assist the Commission with strategic planning. IPA agreed to
organize and facilitate a process that involved the following steps:
1. Prepare a questionnaire to ICHRC Commissioners regarding: the key
purposes of the Commission, recent accomplishments,
issues/trends/concerns/opportunities, 'potential new initiatives,
programs, or policies and suggestions to improve organizational
effectiveness;
2. Conduct a strategic planning and organizational effectiveness sessions
with the Commission;
3. Preparation of this report.
Strateeic Plannine Session
A strategic planning session with ICHRC was held on February 22, 2018, at the
Helling Conference Room in Iowa City City Hall.
The following Commission members were in attendance and participated at this
meeting: Eliza Jane Willis (Chair), Joe Coulter, Adil D. Adams, Jeff Falk, Tahuanty
Pena CVice Chair), Arianna Aron, Cathy McGinnis, and Jonathon Munoz. Also in
attendance and participating in the session was ICHRC Coordinator Stefanie Bowers.
Or¢anizational Effectiveness Session
An organizational effectiveness planning session with ICHRC was held on March 29,
2018, in the City Hall Council Chambers in .Iowa City City Hall.
The following Commission members were in attendance and participated at this
meeting: Eliza Jane Willis (Chair), Joe Coulter, Adil D. Adams, Jeff Falk, Tahuanty
Pena (Vice Chair), Cathy McGinnis, and Jonathon Munoz.. Also in attendance and
participating in the session was ICHRC Coordinator Stefanie Bowers.
c
Update - 2014 Goals/Priorities
The participants reviewed the status of implementing the following goals/priorities as
established during ICHRC previous planning session in 2014:
2014 Review
On -Going Commitments
• Youth Awards.
• Awards breakfast.
• Building Blocks to Employment Job Fair.
• Mayoral proclamations.
• Gentinuing Educational programs.
• &entinuing Outreach efforts.
• Compliance with Chapter 2 of the Municipal Code.
New Priority Projects. Programs. and Initiatives
• Develop listening posts for outreach to target communities.
• Enhance presence with quarterly presentations to City Council on
Commission events, programs and initiatives.
• Affordable/universal/accessible housing = educational programs
• Hold meetings with various community groups.
General Duties of the Human Riehts Commission
HRC Coordinator Stefanie Bowes reviewed the general duties, powers and
responsibilities of HRC as set forth in Chapter 2 of the Iowa City Municipal Code.
0
Areas of Interest
The participants reviewed and discussed the following areas of interest that the
Commissioners felt HRC should be involved in:
Community
• Events revolving around people of color and their history in the form of
activities, conferences, programs etc.
• I would also like to see little libraries in underprivileged neighborhoods.
Part of that, would be inviting the community to participate in the making of
these libraries.
• Any area under the broad range of topics in the Universal Declaration of
Human Rights within the geographic area of Iowa City and its immediate
surroundings. These would include discrimination in employment, housing,
schooling, and facilities, standards of living, law enforcement, and judicial
proceedings.
• Get more involved with housing issues in the community, especially in
terms of the impact on undocumented and documented immigrants who
appear to be suffering from discrimination.
• Consider the equity issues raised by current eviction policies and practices.
We should maintain and expand our relationships with organizations
working for greater equity and nondiscrimination in our community.
• Developing a list of community organizations concerned with social justice
issues that may benefit from our assistance.
• Community education regarding Racial Equity
• LGBTQI - community education
• Social equity in affordable, accessible housing.
• Increased funding for social justice and racial equity grants
• Johnson County/Iowa City Access Center Project.
More community meetings and townhalls and events.
■ Social justice activities for young generations to participate in all activities
and try to get donations.
• General education regarding human rights and the role of the commission.
For example, explaining the power of municipal HRCs in general and the
federal and international framework, e.g. ICERD, which informs that power.
The HRC should be able strive to educate the residents of Iowa City how to
best practice human rights in their day to day'interactions with others, and
the resources available to them to help them do that.
• Voter registration in areas of the city that are under -represented
• Voter participation rates in non -presidential elections
• Community ID
0 Immigrant rights
Schools
• Changing the curriculum used in schools around history.
• Having the accurate information on black history.
• Learning about other people in the civil rights era vs. year after year learning
about the same individuals.
• Having administration, teachers, and support staff of color throughout the
district.
o Racial equity in the school system and the wider community.
• Tate High School is often forgotten about when it comes to outreach efforts.
Tate is part of ICCSD but often the stigma surrounding Tate prevents
community members and programs from reaching out.
o Programming that is offered in West and City should also be offered at
Tate.
Public Safetv
• A role in responding to hate crimes or incidents when they occur.
• Developing a rapid response team with re: to hate crimes and bias crimes.
• Obtaining information regarding Community Police Review Board and
• Obtaining information/communication with Police Department
Accomplishments
The following were identified as recent accomplishments of ICHRC:
• Outreach to Broadway and Pheasant Ridge (Overcharging on rent).
• Organizing a number of programs and panel discussions.
• Co -sponsoring similar events with other groups.
• SJRE Grants:
o Evaluating and submitting recommendations for the City SJRE
grants.
o Designing procedures for the SJRE grant.
• Review & responses to requests for funding
• Human rights awards and recognition program.
• Participated in planning, sponsorship, and activities re: MLK Day.
• Participated in Iowa City Pride.
• Participated in planning and sponsorships of Juneteenth activities.
• Community building exercise in 2016.
• Community IDs.
• Focus on the issues involving immigrants/Muslims.
• Obtained recognition for Indigenous Peoples Day.
• Participation in City Manager's Roundtable.
• Crossing Bridges conference.
• Know Your Rights -Domestic Abuse.
• Activities at the Coralville and Iowa City library with immigrant
communities.
• Preparation/distribution of educational materials by HRC staff.
For a more complete list of accomplishments, refer to the Commission's annual
reports.
Issues, Concerns, Trends and Opportunities
The following were identified as issues,. concerns, trends, and opportunities that
may affect future ICHRC services, policies, programs or operations:
Community Outreach/Support
• Find more supports, activities or programming for young men specifically
young men of color.
• Status and quality of life for undocumented or documented immigrants.
• Access to parks and outdoor /indoor recreational activities.
• Education about human rights and a need for people to speak out against
some of the hateful things we are seeing and hearing.
Education
• Establish programming in/out of school, extracurricular activities, trips that
will be inclusive for all youth, backgrounds, race, ethnicity, and gender.
• Classes devoted to the real history of ALL youth of color.
• Create 3 events that align with the trimester system used in high schools in
ICCSD. Each trimester, there will be an event, activity, program etc. made for
all youth of color.
• The financial and geographic disparity within the ICCSD needs to be
investigated and discussed for its current effects and future implications.
• Fairness and equity in the school environment.
Housine
• Housing conditions and building code enforcement.
• Evictions: trends and enforcement in small claims court for fairness and
compassion. Domestic violence and violence in general.
• Affordable housing.
■ Mortgage practices, primarily against Latino applicants (Iowa City has high
percentage of denials).
Public Safety
• Information regarding police training and recruitment, for example training
on the use of a weapon.
• Iowa City Substation needs to be community friendly. The doors are always
closed and are tinted so you never know if they are open or not.
■ The grave threats faced by undocumented immigrants.
• Hate crimes.
• Increase in bias incidents.
• Increase in incidents of violence; need to promote ALICE training.
• Disproportionate minority contact and incarceration.
• Equity for criminal defendants.
• Opioid epidemic.
• Access Center development.
• Racial and Ethnic diversity of police force - need to reflect the community.
• Language access, including for persons accused of crimes.
Transportation
• Transportation availability and its relation to financial ability
• Sidewalk accessibility in certain parts of town
Other
• Coping with climate change -equity impact.
• Anew set and clear goals and objectives, or a strategic plan, for
Commissioners to follow.
• Responsibilities and expectations of the Human Rights Commission in the
coming years as our community continues to grow.
• Recruiting more leadership from the immigrant communities.
■ Support for Neighborhood Centers.
• Support for organizations who positively impact community.
• Publish a magazine every three month that reflects on human rights.
• Keep addressing the issue of diversity among the community.
• Promote social justice and other values of the Commission.
• Human rights issues that are important for the city but cannot be addressed
by the city. Relationship between the city and university on human rights
issues.
On-Goine Commitments
The following were identified as on -going commitments of the Commission for the
upcoming 24 - 36 month period:
• Continue Youth Awards.
• Continue Awards breakfast.
■ Building Blocks for Employment Job Fair.
• Mayoral proclamations.
• Continue educational programs.
o Continue educational programs re affordable/universal/accessible
housing
• Continue outreach efforts.
• Continue Social Justice/Racial Equity Grant Program
• Continue voter registration activities in areas of the city that are under-
represented
• Continue support for Community ID program
• Compliance with Chapter 2 of the Municipal Code.
10
New Priority Projects, Programs and Initiatives
The following were identified as new priority projects, programs, and initiatives of
the Commission for the upcoming 24 - 36 month period (listed in priority order):
1. Affordable housing = work with landlords regarding background and
credit checks which can make it very difficult for some to find adequate
housing
2. (Tie) Have more speakers of color and other diverse backgrounds to
come to Iowa City to talk about current issues
(Tie) Develop youth -oriented education programs and activities
(Tie) Develop and disseminate city and/or county -wide newsletter listing
events and programs related to human rights
5 (Tie) Year-round event, all of which should take place in Lakeside,
Broadway, Pheasant Ridge and all mobile home courts.
(Tie) More Commissioner participation in Commission -sponsored events,
programs and outreach.
o Have everyone participate annually in at least one event,
activity etc. put on by the Human Rights Commission.
7. (Tie) Develop plan/program to more effectively collaborate with other
city agencies, organizations, non -profits.
(Tie) Involvement with Johnson County/Iowa City Access center
development and staffing
11
OrEanizational Effectiveness Initiatives
The participants reviewed a variety of ideas relating to improving organizational
effectiveness to accomplish the selected goals and priorities. After review and
discussion, the Commissioners selected the following steps to improve
organizational effectiveness:
• Examine the Commission's Annual Report and the City's Racial Equity Report
to determine whether there are trends for which educational programs and
outreach programs should be addressed.
• Commissioners should provide more information at Commission meetings
regarding their participation in Commission -sponsored events, programs
and outreach.
• Designate appropriate items on Commission agendas as "discussion items"
which will be reviewed and discussed at the meeting nut no action will be
taken at that time.
• Invite representatives of various community organizations and/or
governmental agencies to provide presentations at Commission meetings
regarding relevant items or issues of interest as identified by the Commission
or Commissioners.
• Improve Social Justice and Racial Equity Grant Review forms and procedures.
• Conduct bi-annual evaluations of progress made on Commission priorities
and other important issues
• Continue opportunities for training/continuing education programs for
Commissioners; explore other training opportunities
■ Investigate contacting other Human/Civil Rights Commissions to discuss
issues of mutual concern
12
Final Comments
It was a pleasure to once again assist the Iowa City Human Rights Commission with this
project.
It is important to note that the prioritization of projects and initiatives is riot "cast in
stone." They can be modified as new circumstances may occur.
It is recommended that staff prepare an "action plan" for accomplishing the planning
goals. The action plan would define the steps that would be needed to accomplish each
goal, identify who is responsible for implementation, and establish a timeline for
accomplishment. The action plan should then be presented to the Commission for review
and approval. It is also recommended that staff review with the Commission the status of
implementing the goals on a quarterly basis.
Jeff Schott
Institute of Public Affairs
The University of Iowa
March 30, 2018
13
Exhibit A
Iowa City Human Rights Commission
Strategic Planning Session — 2018
SIGNIFICANT NEW INITIATIVES, PROGRAMS OR POLICIES
CONSIDERED
■ Having more speakers of color come to our City and talk about current
issues.
■ Youth version of Human Rights Commission or create a group
made specifically for youth in our community.
• Year-round events all of which should take place in the Lakeside,
Broadway, Pheasant Ridge, and all trailer home courts.
■ Perhaps a citywide "contest' to increase voter participation in city or county
elections in non -presidential years.
• City and/or county wide newsletter listing events and programs related to
human rights.
• Develop plan/program to more effectively collaborate with other city
agencies, services, organizations, and non -profits, etc.
• Affordable housing - working with landlords regarding their background and
credit checks, which can make it very difficult for some people to find
adequate housing.
• Encourage more immigrant membership on city boards/commissions
• Support soccer competitions with other communities or cities.
• Involvement with Johnson County/Iowa City Access Center Development and
Staffing.
• City -sponsored grant writing workshops (e.g. general principles and
methods).
• More Commissioner participation in events
• Develop rapid response team to respond to hate crimes
■ Develop youth -oriented education programs and activities
14
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HRC APPLICATION FORM REQUESTING
SPONSORSHIP FY18
Today's Date: March 30, 2018
Group/organization Name: Iowa United Nations Association
Contactperson: Samantha Wiedner
Phone number: 319-337-7290
Date of activity/event/program:
nlrlmrta�
CITY OF IOWA CITY
410 East Washington $1rect
Iowa city. Iowa 52240-I826
(319) 356-5000
(319) 356-5009 FAX
www.icgov.org
Email address: samantha-wiedner@uiwoa.edu
December 10 - 17, 2018
Event location and address:
Old Capitol Museum, 21 Old Capitorrhe University of lowalowa City, IA 52242
Is the event location wheelchair accessible? Yes
Is the event location accessible to individuals with visual impairments? Yes
Describe the activity/evem/progtam and how it contributes to Human Rights:
An exhibition of posters showcasing the Universal Declaration of Human Rights.
Amount of funds requested and itemized budget (provide the budget on separate sheet):
Yes.
Other funders involved?
Social media, invitations, flyers, word-of-mouth.How will this activity/evendpmgram be marketed?
Will sponsors be mentioned and/or sponsor logos be used in the marketing of the activity/event/program?
Yes.
Is the activity/event/program a fundraiser? If so, explain:
No.
No.
Please acknowledge by initialling here that you havc read the cover letter to this form:
Submit request to:
Stefanie Bowers
City of Iowa City
410 E. Washington Street
Iowa City, IA 52240-1826
a'7i
By facsimile to 319-887-6213 or email to stefanie-bowers@iowa-city.org. iowaoity.org.
Aeo ing the United Nations
i s` ;w a u n a , build a better world
Iowa City Human Rights Commission Funding Request 2018
Itemized Budget
Item
cost
Printing Posters
$50 (91 Posters)
Printing Informational Cards: Abbreviated
UDHR & Pledge Cards
$390 for 2000 cards (1000 of each)
Self -Adhesive Foam Core Boards for Posters
$500
Feedback Panel — White Board
$150
Easels (5)
$100
TOTAL
$1,190
Iowa ynited Nations Association is a 5016 tax-exempt organization. Our tax ID number is 42-0869302.
20 East Market Street, Iowa City, IA 52245. (319) 337-7290
unaiowaftnaiowa.or¢ www.lowauna.org
April Correspondence
Johnson County Chapter, United Nations Association -USA
308 E. Burlington Street #245
Iowa City, IA 52240
March, 2018
Ms. Stefanie Bowers
Iowa City Human Rights Commission
410 East Washington Street
Iowa City, IA 52240
Dear Ms. veers:
Thank you! Thanks to you and over 20 other sponsors, Night of 1000 Dinners on March 7 was a success.
The event drew nearly 200 people who enjoyed an international buffet dinner followed by an inspiring
and informative program on refugee education. We celebrated International Women's Day by honoring
Mazahir Salih, a member of the City Council in Iowa City. With your generous support we raised funds
to support the Shabele Primary School in the Kakuma Refugee Camp in Kenya as well as the educational
work of the United Nations Association in Iowa.
Sponsor logos were placed on the flyer distributed before event (in five languages!) and the printed
program given to all attendees. The logos were also projected on a large screen during the event.
On behalf of the organizers and all of the participants and attendees I send heartfelt appreciation for your
contribution.
With gratitude and warm best wishes,
Sincerely,
qop-a�
Jean Lloyd -Jones
President
Stefanie Bow m
From:
joaffordablehousing@gmail.00m
Sent:
Tuesday, March 20, 2018 9:04 PM
To:
Stefanie Bowers
Subject:
RE: Affordable Housing Video
Dear Stefanie and the Human Rights Commission,
Thank you for the opportunity to speak at your meeting this evening. It was a pleasure to share our video and to hear
your thoughts on it.
I want to extend an invitation to Commission members to join us for our monthly community meetings. They are a great
venue for sharing knowledge and perspectives on affordable housing in our community.
These meetings are the fourth Friday of every month, 12:00 pm-1:00 pm at the Health and Human Services building.
More info is available on our website, www.acaffordablehousing.ors and our Facebook page,
www.facebook.com/acaffordablehousing.
Take care, and thanks again,
Sara
Sara Barron
Executive Director
Johnson County Affordable Housing Coalition
www.Icaffordablehousing.org I www.facebook.com/jcaffordablehousing I @jcahcoalition
Stefanie Bowers
From: Inside Out Admin<insideoutreentryfinance@gmail.com>
Sent: Monday, March 26, 2018 10:45 AM
To: HumanRights
Cc: Stefanie Bowers; Inside Out
Subject: 2nd Program Report and Accounting - 2017 SJRE Grant
Attachments: Inside Out Reentry 2nd Program Report - 180326.pdf; Inside Out Reentry SJRE Grant Accounting - 180326.pdf
Good morning,
Attached are the second program report and accounting for Inside Out Reentry's 2017 Social Justice and Racial Equity
Grant.
Please let me know if you have any questions.
Thanks,
Jamie Kearney
Administrative Coordinator
Inside Out Reentry
500 N. Clinton St.
Iowa City, IA 52245
(319) 338-7996
SECOND PROGRAM REPORT — 3/26/18
Full name of organization: Inside Out Reentry, Inc.
Mailing address: 500 N. Clinton St. Iowa City, IA 52245
Telephone number: (319) 338-7996
Email address: insideoutreentryAgmail.com
Website: www.insideoutreentrv.com
Name and title of contact person for purposes of program report: Michael Cervantes,
Director, and Jamie Kearney, Administrative Coordinator
Contact person's telephone number and email address: W: (319) 338-7996 Cell: (319) 621-
6263; insideoutreentrv(a.email.com and insideoutreentrvfinancena gmail.com
Organization's Mission Statement: Inside Out Reentry's mission, as a comprehensive reentry
program, is to heal individuals, restore relationships, reduce recidivism and increase public
safety by supporting citizens returning to Johnson County from incarceration, and their families.
IO assists people with housing, employment, health care (especially mental health care),
transportation, education and basic life skills, both directly and by referral. IO also provides a
supportive community and activities that promote personal awareness, accountability, and pro -
social living through one-to-one and small group mentoring, classes and workshops, volunteer
opportunities and social activities.
With this grant, IO sought funding to purchase two (2) new computers for our Resource Center
where most of our services are provided, as well as a new printer, at an estimated cost of $3,000.
Second Program Report:
Purchase: We moved forward with purchasing new computers for the Inside Out Resource
Center in early June, 2017, and completed all necessary purchases by the end of August. Upon
securing a 10% discount for the initial purchase from Best Buy due to our nonprofit status, we
found we were able to purchase two new desktop computers with monitors/keyboards, and a new
laptop (for portable access by any participants with physical disabilities -- we are located on 2"a
floor of Spirit of Christ Church), Microsoft Office software package for all three new computers,
anti -virus protection, and a 3 year tech support service plan. We were also able to purchase a
new printer, a new router (recommended by the Church's Internet Service Provider to improve
WiFi access due to our 2" a floor location), new mousepads and surge protectors, as well as WiFi
adapters for the two older computers that Staff/Volunteers will continue to use in the Resource
Center.
Receiving this grant to purchase new computers for the Resource Center has allowed us to
reserve one of our older computers as a "Staff only" computer for the first time, which is a good
practice. As described above, our funds from this grant ($3,000) went quite a bit further than we
had anticipated, and we still have $267.48 remaining from the total.
What are the specific outcomes and performance measures for the program, service or
activity in one year from implementation? IO's purpose is to foster successful re-entry for
returning citizens by providing them with support, opportunities, skills, and resources.
Participants' use of computers at IO Resource Center for seeking and securing housing,
employment, and educational opportunities is an important piece of the re-entry services we
provide.
Outcomes/performance measures: Of those participants utilizing the Resource Center
computers for: a) jobs, at least 70% will achieve successful job placements (3 mos. or longer
stable employment); b) housing, at least 70% will achieve successful housing placements (3 mos.
or longer in stable housing) c) educational programs or study, at least 60% will successfully
complete their programs or classes.
What indicators have been identified to measure outcomes and performance?
IO logs all visits to the Resource Center by participants. For this grant, we recorded the number
of times and purposes for which our participants utilize the new computers, e.g. in relation to
jobs, housing, educational programs. Thereafter, IO measured and quantified outcomes related to
participants' computer use, i.e., percentage of successful job and housing placements, as noted
above.
Results:
We recorded computer use in our Resource Center over the period of early June through March
15, 2018. In that period, a total of 29 individuals participating in the Inside Out Reentry
program used our computers. (We did not include measurement of use by staff or volunteers.)
Of these 29 individuals, 15 used our computers more than once. Uses were recorded as follows:
Total of 51 job searches by 16 individuals
Total of 22 housing searches by 13 individuals
0 - uses in relation to educational program
Other:
2 individuals used computer for personal legal matter
1 individual used computer for paying a bill online
Demographic breakdown of individuals served:
22 - male
7 — female
12 - Caucasian
14 - African -American
2 — Latino
1 —Native American
Outcomes:
0 Successful job placements: 9
Asa percentage of the total number of individuals who searched for jobs (16), this equates to
56% success rate
• Successful housing placements: 5
As a percentage of the total number of individuals who searched for housing (13), this
equates to 38% success rate
• Educational program: No participants used our computers in relation to education in this
period
Assessment of Proiect: The new computers we were able to purchase with this grant have been
a great asset to the Inside Out Re-entry Program. Though we have not yet been able to achieve
the success rates we aspired to -- 70% successful job and housing placements --- at this early
stage of measurement, we believe that we will achieve those success rates with more time.
This is reinforced by the fact that our job placement success rate increased from 36% to 56%,
and our housing placement success rate increased from 30% to 38% since our first report in
November 2017.
Because we quantified "success" as 3 mos. or longer in stable employment and stable housing,
individuals who made job/housing searches with our new computers and secured jobs/housing in
the period of January— March 15, 2018, cannot yet be categorized as "successful' as they may
have not yet reached the 3 month mark in those placements.
Inside Out Reentry -Social Justice & Racial Equity Grant 2017 -Accounting
Date Vendor
Items
Amount
6/9/2017 Best Buy 1-Dell lnsplron 25 laptop computer
2- Dell lnspiron Desktop 3000 computers
2 - Dell 23 Monitors plus keyboards
1-3 yr 24/7 tech support plan
1- Microsoft Office Home 365 software pkg for up to 5 users
Webroot virus protection for all 3 computers (included w/tech plan)
2-monitor cables -
Total coat:
$ 2,108.92
sales tax
$
108.54
9-Jun Best Buy
returned 2 monitor cables not needed ($25.49 ea.) and purchased:
3 - mousepads (including one for pre-existing older 10 cemputerthat still functions well)
1-WIfi USB adapter (for pre-existing older Inside Out computer that still functions well)
$
2.98
salestax
$
0.18
7/12/2017 Best Buy
2 pk surge protectors
$
19.99
sales tax on surge protectors
$
1.20
7/26/2017 Best Buy
1- Brother MFC-t2740DW Primer
$
249.99
Service plan (Printer)
$
29.99
••1-RT-AC3900 Router
$
75.99
Service plan (Router)
$
10.99
sales tax on router and printer
$
22.02
8/7/2017 Best Buy
2-sets logitech computer speakers(for each new desktop)
$
45.98
sales tax on speakers
$
2.76
8/29/2017 Best Buy
1- Wfi USB adapter (for pre-existing older 10 computer that still functions well)
$
49.99
sales tax on Will USE adapter
$
3.00
Total spent
$ 2,732.52
Furls remaining from$3,000 gram
$
267AS
-we were originally advised by Best Buy salesperson we needed these but we actually didn't; these were
returned; see receipts
•sA router was recommended by ISP to improve wireless internet connection as Inside Out Is located on 2nd floor of Church
Stefanie Bowers
From:
Jan Rutledge <jrutledge@iowalaw.org>
Sent:
Tuesday, March 27, 2018 5:32 PM
To;
Stefanie Bowers
Cc:
Sarah Schulman; Cathy Reynolds
Subject:
Report for Racial Equity Grant
Attachments:
,Social Justice Racial Equity Grant final report.pdf
Stefanie,
I have attached the report for the grant to Iowa Legal Aid. It is the final report because both events have taken place,
and the funds have been expended. However, I like your idea for a "lunch and learn" event with care providers and
agency folks. If we can get that set up, that would be great! Please let me know if there are any questions.
Thank you.
Jan
Jan Rutledge, Managing Attorney
Iowa City Regional Office
Iowa Legal Aid
1700 South 1st Avenue, Suite 10
Eastdale Plaza
Iowa City, IA 52240
(319)351-6570
6rutled¢e(a@iowa law.or¢
Visit us on the Web at www,iowalegalaid.org
NOTICE: E-mail sent between you and Iowa Legal Aid goes over the Internet. Iowa Legal Aid cannot assure that e-mail is
secure. You should be careful when e-mailing confidential information. You may decide not to use e-mail when
communicating with Iowa Legal Aid.
This e-mail and any attachments may contain confidential or legally privileged information. The sender does not intend
to waive any privilege, including the attorney -client privilege. If you are not the intended recipient(s), you are not
authorized to read, print, retain, copy, forward or disseminate this communication. If you received this communication
in error, please e-mail the sender immediately and delete this communication and all copies.
N
HL . Wa .. d=CE.
Iowa Legal Aid's
Social Justice Racial Equity Grant
Final Report
Background
Iowa Legal Aid sought funding from the Human Rights Commission to provide at least two
community legal education events. One event discussed the use of criminal history, and the
other event discussed court debt. Both events involved Juvenile and adult expungement of
criminal records. Following the events, persons who wanted assistance from Iowa Legal Aid
were given an opportunity to discuss their individual situations.
Progress on Goals
As stated In the previous report, Iowa Legal Aid conducted two presentations at City Hall. The
first event was held on September 26, 2017, from 6:00 p,m. to 7:00 p.m. Staff discussed the
types of Iowa criminal cases that can be expunged, as well as the state and federal laws dealing
with discrimination and the effect of having a criminal history on housing and employment.
There were 15 participants in attendance. This Information helped equip affected individuals
to advocate for themselves or alerted them to the need to seek legal assistance. The second
event was held on October 18, 2017 from 6:00 p.m. to 7:00 p.m. Staff discussed court debt
and expungement. There were five participants in attendance.
Both presentations are available on City Channel 4's websitel. Additionally, Iowa Legal Aid
added the links to the presentations on its main websitel and foundation website3.
There are no further presentations scheduled and this project is complete. Iowa Legal Aid
appreciates the financial support from the Human Rights Commission to provide these
important community legal education events in the Iowa City area.
Annual Accounting Report
Expenses
Amount
Salary
$1,491
Fringe
$623
Supplies
$33
Travel
$53
Total
$2,200
an Rutledge, Managing Attorney
Iowa Legal Aid
1700 South tar Ave., Suite 10
Iowa City, IA 52240
319-351-0079
i rutledEe@i owalaw, ore
r http://citychanne[4.cam/cgi-bin/vdb/ytp.pl?ld-F38166
http://cltychannel4.com/cgi-bin/vdb/ytp.pl?ld=F18l67
t https://www.iowalegalald.org/resource/can-i-expunge-my-adult-criminal-conviction-in-l?ref=owUcX
' http://iowalegaialdfoundation.org/Improving-lives/speclai-projects/
1 1 P a g e
Stefanie Bowers
From: jcaffordablehousing@gmail.com
Sent: Monday, April 02, 2016 5:16 PM
To: Stefanie Bowers
Subject: RE: Social Justice Racial Equity Grant for FY17 Progress Report andAnnual Accounting
PROGRESS REPORT
Affordable Housing Video Campaign
March -July 2017
Conducted on -camera interviews with residents, health and service professionals, and community advocates. Wrote
narration. Contracted with Hawk City Productions to produce 10-minute video
June 2017
Sponsored Housing Mixer featuring Meghann Foster of Brand Driven Digital, who discussed effective messaging for
affordable housing advocacy
July -September 2017
Finalized video production, using feedback on drafts from board, committee members, and other 1CAHC stakeholders
October 2017
Began showing video in presentations. Our first audiences were AM Rotary, Congregational United Church of Christ, and
Consultation of Religious Communities
October 2017
Developed pre- and post -screening survey to measure changes in attitudes and beliefs re: affordable housing in Johnson
County
October 2017
Uploaded video to YouTube and JCAHC website
October 2017
Added closed captioning/subtitles in preparation for sharing video segments on social media
November 2017
Video viewing party for participants
November 2017-March 2018
Video presented to community groups, including:
--Consultation of Religious Communities
--Congregational United Church of Christ social justice group
--Sanctuary Church social justice group
--UI School of Social Work MSW class
--UI Cup 0' Justice series
--AM Rotary
--North Coralville Rotary
Survey presented to video viewers, measuring attitudes toward affordable housing before and after watching the video.
Increased positive attitudes toward affordable housing measured, especially in response to the statement "People like
me can take steps to improve access to and the quality of affordable housing in Johnson County." This improvement was
measured across ages and income levels.
March 2018
Video presented to Human Rights Commission
For your reference, here is the timeline as specified in the grant application:
March— May 2017 YIMBY Committee to plan initiative, make initial contacts
June 2017 Host even with local and national affordable housing champions
June —August 2017 Work with media advisor to increase print and electronic media stories about affordable housing.
June —August 2017 Production of high -quality videos with positive images and narratives of affordable housing
residents and structures.
September 2017 Launch of videos on local television stations, JCAHC web site and Facebook page.
Sara Barron
Executive Director
Johnson County Affordable Housing Coalition
www.jcaffordablehousing.org www.facebook.com/jcaffordablehousing I @jcahcoalition
From: Stefanie Bowers
Sent: Monday, March 5, 2018 10:47 AM
To: Stefanie Bowers
Subject: Social Justice Racial Equity Grant for FY17 Progress Report anclAnnual Accounting
This is a reminder that as part of the Social Justice Racial Equity Grant for FY17 recipients are required to on or before
April 1, 2018. submit to the City a.program report on progress towards the stated goals as identified in the recipient's grant
funding application for FY17. This report should be sent to Human Rights Commission, City Hall, 410 E. Washington
Street, Iowa City, IA 52240-1826 or can be emailed directly to me. Also on or before July 31, 2018, recipients will provide
to the City an annual accounting report describing, at a minimum, the uses of funds received during the prior year (June 1,
2017 to June 30. 2018).
Please let me know if you have any questions.
Stefanie
Swfa ie Bowers
From:
Sarah Walz
Sent:
Tuesday, April 03, 2018 1:18 PM
To:
Stefanie Bowers
Cc:
Tracy Hightshoe
Subject:
RE: SJRE FY 2018 Update
Stephanie,
We are grateful the Human Rights Commission and the City Council found our project worth of funding but regret
that will have to decline the grant for the Walk and Roll Wednesday pilot project. Due to our current staffing levels we
do not believe we can put the time and energy into the project that it deserves. We hope to try again next year when we
are fully staffed.
Again, please express our gratitude to the Commission for their consideration.
Best,
Sarah
Sarah Walz
CITY OF IOWA CITY and
METROPOLITAN PLANNING ORGANIZATION OFJOHNSON COUNTY
410 East Washington St.
Iowa City, IA 52240
319-356-5239
From: Stefanie Bowers
Sent: Tuesday, April 03, 2018 1:08 PM
To: 'angelica@shelte rho useiowa.org' <angelica@shelterho useiowa.org>;'Alyssa M. Rodriguez'
<rodriguez.alyssa@iowacityschools.org>;'rafael@cwjiowa.org' <rafael@cwjiowa.org>; Sarah Walz <Sarah-Walz@iowa-
city.org>
Subject: SJRE FY 2018 Update
This email is to notify you that the City Council at its meeting last night approved the following allocations for the Social
Justice Racial Equity Grant for FY 2018.
Shelter House
$5000.00
Neighborhood & Development
Services
$600.00
Healthy Kids School Based
Health
$12,300.00
Center for Worker Justice
$10,900.00
Organizations will receive half of the awarded amount after signing the agreement and the final half with the submission
of the first program report due on November 1, 2018.
I hope to have agreements sent out by Friday, April 13.
Let me know if you have any questions.
Congrats.
Stefanie Bowers
From:
Shams Ghoneim <shamsghoneim@mchsi.com>
Sent:
Sunday, April 08, 2018 12:11 PM
To:
Stefanie Bowers
Subject:
Ref: Islam Awareness Week
Attachments:
Proclamation - Islam Awareness Week - April 2018.pdf
Hi Stefanie;
I thought this may be of interest to the Commissioners.
Have a great Sunday.
Shams
Good afternoon,
Attached is a copy of the Islam Awareness Week proclamation that the Johnson County
Board of Supervisors will be reading at their Thursday, April 5 formal meeting, which
begins at 9 a.m. The meeting takes place in the Boardroom on the 2"d floor of the
administration building, located at 913 S. Dubuque Street, Iowa City.
Jill Wenger
Administrative Assistant
Johnson County Board of Supervisors Office
913 S. Dubuque Street, Iowa City, IA 52240
iwenaer(o)co.iohnson.ia.us
www.aohnson-county.com
(319)356-6000
PROCLAMATION
ISLAM AWARENESS WEEK
APRIL 9-13, 2018
WHEREAS, Islam Awareness Week is a week dedicated to appreciating and sharing the
history, teachings, and practices of Islam with the community; and
WHEREAS, Johnson County acknowledges the valued contributions that the Muslim
community has made toward strengthening our society and enriching our
county; and
WHEREAS, We believe the Muslim community deserves our acceptance and respect; and
WHEREAS, Johnson County upholds the I" Amendment of the United States Constitution
and values the freedom of religion and is a county where all religions, faiths
and beliefs are respected and accepted; and
WHEREAS, Johnson County strives to be a hospitable and welcoming place where people,
families and institutions thrive and the contributions of all are welcomed,
celebrated, accepted and valued; and
WHEREAS, in Johnson County, activities celebrating Islam Awareness Week will take
place at various locations, including distributing flowers, a hijab showcase,
documentary play, fastathon, and volunteering at the Free Lunch Program.
NOW, THEREFORE, be it resolved that we, the Johnson County Board of Supervisors, do
hereby proclaim the week of April 9-13, 2018 as:
ISLAM AWARENESS WEEK
in Johnson County, Iowa, and urge all residents to recognize this week by becoming aware of the
history, culture, legacy, struggles and achievements of the Muslim community.
Signed this 5th day of April, 2018, in Johnson County, Iowa.
Mike Carberry, Chairperson
Johnson County Board of Supervisors
Register for this upcoming business education program:
ONE Building
■ ■ ■ Business Basics
Saturday, May 5, 2018 ■ 10 a.m.-3 p.m.
Free if you register by Thursday, May 3 or $5 at the door
Kirkwood Community College
Iowa City Campus Commons
1816 Lower Muscatine Road, Room 137
We are committed to improving
opportunities for women, Immigrants and
persons of color to start their own
businesses. Diverse businesses
support inclusive communities!
To register, visit Icgov.org/bbbregistration or call Neighborhood Services at
One meal ticket is provided per registered attendee with additional meals available for $10. Kirkwood does not
provide onsite childcare. Children that attend must be accompanied by an adult at all times.
Schedule & Workshops 00000nnm
■ 9:30 am: Registration Opens
■ 10:00 am: Introduction
Iowa City Councilwoman Mazahir Salih and Kirkwood Iowa
City Executive Dean Ann Valentine.
r 10:15 am: Business Ideation
Explore and clarify your business ideas with local business
leaders, including experts from Kirkwood Community College,
the University of Iowa John Pappajohn Entrepreneurial Center
and Iowa City Area Development. Register for Food/Bever-
age, Retail, Service, Technology, or Other/Undecided.
is 12:00 pm: Lunch Networking
Discuss your business idea with local small business owners
and entrepreneurs over lunch.
■ 1:00 pm: Workshop
Attend one of two available sessions based on your interests
and needs:
Legal Issues and Insurance
® Credit Repair
Is 2:00 pm: Workshop
Attend one of two available sessions based on your interests
and needs:
® Permits/Avallabie Resources
® Reaching your customers
Is 3:00 pm: End of Programing
If you will need disability -related accommodations or N you need a language other than English to participate In this event,
contact Kirk Lehmann at 319-356-5230 or at neighbothoods@towa-dty.org by Friday, April 2Z The City will try and locate
these services to the best of our ability.
in Sponsors
Nills Bank N �n stt r
❑k s atiTlapCp CITY OF IOWA CITY
J Ay,P N I UNESCO CnV OF LITERATURE
The following documents were handed
out during the meeting.
9I �h
4anko ja Otdreacla Connection
City of Iowa City: Human Rights Commission
Grant: Social Justice Racial Equity
Reporting Date: April 1, 2018
Sisters @ the Center Grant Report
Recap:
Sisters at the Center's goal is to address barriers to health and wellness for women
of color, in Iowa City and the surrounding community. By design, it consists of a
series of programs intended to educate, while simultaneously creating a sense of
connectedness for women of color. The main objective of the Sisters at the Center
program is to address disparate access to affordable recreational facilities and
health -related information. Lack of access to this information often serves as a
barrier to general health and wellness for women of color in Iowa City and in the
surrounding community. Since July 1st, 2017, we have been using grant funding
to address this objective through a variety of programming.
We have been making progress on our primary goals:
1) to increase the overall wellness of women of color in our community,
2) to decrease social isolation of women of color, and
3) to connect women of color to existing spaces such as recreation centers,
walking/biking trails, and free to low cost amenities that increase wellness
in our community.
Since November 1st, we have been offering programming in various local
facilities, to help accommodate those that want to participate in health and
wellness options. We have, and continue to offer food and nutrition classes at
different local facilities to provide information and healthy alternative options for
traditional meals. We plan to assist in bringing more women to our local farmer's
markets this winter for community social engagement, as well as exploration of
more fruit and vegetable options. This Spring, our goal is to create and care for a
319.541.0669 1 www.sankofaeutreach cam I sankofaoutreach@gmaii.com A
community plot to grow vegetables that women in our program can share free of
charge.
We are making progress on our outcomes to:
1) Increase of facility utilization numbers• program participation numbers:
This fall we partnered with the City of Iowa City Recreation Department to enroll
women into a work out class called Fit Club at the Robert A. Lee Recreation
Center which was taught by a member of our online S.I.P.sters group. We also
conducted along with our Fall Power In Wellness Health Fair women a Hip Hop
Aerobics class and some local vendors participated including the local police
representative and a member of the fire department. The women really enjoyed
the class and we look foward to finding other ways to engage more women in this
class this summer. We also have a day at the Farmer's Market that is coming up
this summer in June.
2) An increased connection to the community and an overall increase in the
knowledge of City resources: More women have attended community events
including resturant meet ups, movies during Women's History Month, we saw
increase attendance of UI lecture series. Many women believed that they would
not have known about many of the opportunities if they were not members of the
organization. We presented to the community our Power In Wellness Health Fair
where we were able to get many organizations together and we gave able few
health and wellness doorprizes such as a starter juicer, a free massage, a free
facial. We also had a Stepping and Llne Dancing Class fro six weeks which
reached and was enjoyed by our more middle aged members. For an organization
that is intergenerational in its reach we feel we are reaching the women set out to
serve.
3) Healthier lifestyle choices by our members• We love our partnership with
Hy-Vee! Our recent Cooking Class in February included learning delicious
substitutes like mashed cauliflower instead of potatoes and other vegetarian and
vegan options for meatless meals. We were also able to have a free yoga session
where women were able to participate and some women brought their children.
We also had one additional Juicing Class which many of the elders women from
our respective communities where very engaged and appreciative as they found it
very beneficial.
4) 15% increase S.O.C. membership numbers• We have gone above and
beyond our 15% increase. When we first submitted this grant we had about 300
women and now we have increase to well over 400 women by November 2017
and now we have almost 600 women who are connecting with other women and
learning about resources, employment opportunities, social opportunities with
319.541.0669 1 www.sankofaoutreach.com I sankofaontreach@gmail.com
other women as well as health and wellness options for not only themselves but
for their families.
We currently have engaged in, or have planned the following activities:
• Kickboxing - We are having a Mother and Daughter Kickboxing class
coming up this Spring
• Sankofa Outreach Connection is sponsoring the 8th Annual Juneteenth
Commemoration's Health Fair section where we will pay for all vendors
table fees.
• We also have a Healthy Grilling Class happening in May 2018 where we are
partnered with Hy-Vee again.
• We are partnering with the Iowa City Farmer's Market to hold an event or
gathering at the Farmer's Market in June as one of our final uses of grant
dollars to connect women with the local resources at the Farmer's Market.
• We just completed our connections conference/summit called Brighter
Future Focused (See results below: Summit Results)
Summit Results
Quantitative Findings. The respondents rated their satisfaction on five different
items. For the first item, the location of the event, respondents predominantly
were Very Satisfied or Satisfied, with 69% Very Satisfied (n=27) and 28% Satisfied
(n=11). For Date/Time, respondents were more diverse in their responses, with
56.4% Very Satisfied (n=22), 23.1% Satisfied (n=9), 15.4% Neutral (n=6), and 5.1%
Unsatisfied (n=2). For Presentations, the majority of respondents were either Very
Satisfied (75.6%, n=28), or Satisfied (21.6%u, n=8). For the Round Table
Discussions, the majority of respondents again rated they were either Very
Satisfied (60.5%, n=23), or Satisfied (34.2%, n=13). The respondents rated the
time allowed for discussions less favorably with the following responses Satisfied
(44.7%, n=17, Very Satisfied (39.5%, n=15), and Neutral (15.8%, n=6).
When asked to rate how likely the respondents would be to attend an event like
this again, 100% of respondents (n=38), responded that there were Very Likely.
Another positive response came from the question, has this event increased your
connection to the community; all of the respondents rated either Very Connected
(48.5%, n=16), or Somewhat Connected (51.5%, n=17).
Qualitative Findings. Qualitative items were analyzed through thematic coding.
What did you like most about the event? For this item, four themes were
319.541.0669 1 wwwsankofaootreach.com I sankofaoutreach@gmail.com
identified. The most frequently used theme was "Discussions", with 18
respondents, responding what they liked most about the event was the
discussions. The other three themes identified for this question included the
"Data/Report Card" with 7 responses, the "Food," with 7 responses and the
"Keynote/Speakers" with 6 responses. One quote from this item is: "Wow - music,
location, food, REAL conversations. Totally worth my time. I will be photocopying
the "report card" and putting in each of my coworkers' mailboxes."
Did you learn helpful information regarding the topics? For this item, four themes
were identified. The most frequently mentioned theme was the "statistics and
data" provided at the event, with 19 responses. The other three themes identified
for this question included "Action Steps" with 4 responses,
"Collaboration/Networking" with four responses, and "Resources" with 2
responses. One quote from this item is: "Yes; the statistics presentation was so
helpful, but using it to frame our roundtable conversations was even more useful -
felt actionable!"
How have you been impacted by this conference? For this item, there were not
enough similarities for coding except for three responses about "empowerment
and connection." One example of this is: "Empowered and more connected." Even
though there were not identifiable themes from this item, there was still a lot of
great responses such as "Great deal - knowing other black women are making
moves," and "This was the first time I have ever been a minority in the room. My
work is not over."
What topics) would you like to see discussed next time? For this item, there were
three themes that were identified more than once. The most identified theme was
"Health," with five respondents stating they would like to see it discussed more
next time. Two other themes were identified including "Hearing from a panel of
youth," with three respondents, and "Coalition Building," with two respondents
stating they would like to see it discussed next time.
Do you have any othersuggestions or Comments? For this item there was only
one theme that emerged from analysis and that was "Food." Eleven respondents
commented that they enjoyed the food at the event. Even though only one theme
was identified, there was helpful suggestions including the difficulty of parking,
one wished there was more time for discussion, and another mentioned time
management could be improved.
319.541.0669 1 www.sankafauutreach.com I sankofaoutreach@gmail.com
Discussion
The results of this survey support that the Brighter Future Focused Summit was
successful in delivering on its mission. With 100% of respondents stating they
would be very likely to attend a similar event in the future, the organization hopes
to turn the summit into a yearly event. The majority of attendees indicated they
were either very satisfied or satisfied with the various aspects of the events. The
event was successful because it brought together a diverse group of individuals,
and a large number of respondents found the data provided helpful. An aspect of
the mission of the event was to bring individuals together, and 18 respondents
stated what they liked most about the event was the discussions, which means we
were successful, at least partially in fulfilling our mission of the event.
As we continue to develop new ways to uphold our mission, we will seek
additional partnerships with other entities in our community to provide additional
access to wellness opportunities.
Submitted by:
Sankofa Outreach Connection,
LaTasha DeLoach, President
PO BOX 2664
Iowa City, IA 52240
319.541.0669 1 www.sankoboutreach.com I sankofaoutreach@gmail.com
UNIVERSITY OF CALIFORNIA, LOS ANGELES
BMRRri,Fy • DA. 19 • IRVIN❑ • Los ANGELES • MCRCLU • Ri%LR[Illb • SAN UIEGo • SAN FRAN,JS('0
RICHARn H. SANDHR
PROFESSOR OF LAW
April 4, 2018
Joe Coulter
Iowa City Human Rights Commission
410 E. Washington Street
Iowa City, IA 52240
Dear .Toe Coulter:
UCLA
i
R
SANTA RpRFIIR A - SANT\CRn]
SCHOOL OF LAW
BOX 951476
LOS ANGELES,
CALIFORNIA 90095-1476
Phone: (310) 206-7300
email: sander@law.ucla.edu
As someone who served on the board of fair housing organizations flor nearly a decade, 1 was
often frustrated at the disconnect between academic research and on -the -ground fair housing problems.
Although many works by scholars have documented the severity of segregation or specific forms of
housing discrimination, there has been no book that synthesized academic research into a coherent
account of how discrimination and segregation have evolved over the past fifty years, and what strategies
might be most effective in promoting long -tern integration.
Two coauthors and I have just finished a book that aims to fill that gap. Moving toward
Integration. The Past and Future of Fair Housing will be published by Harvard University Press next
month. The three of us collectively have doctoral degrees in economics, sociology, history and law, as
well as many years of experience in urban communities and fair housing lawsuits. We have lapped into
internal census data and a wealth of specialized research to provide the first comprehensive study in
many decades of housing segregation and discrimination as they affect African -Americans. Among
other things, our book:
--Provides the first detailed analysis and hard data on the effects of the Fair Housing Act upon
black mobility in urban areas;
--Documents the powerful effects that metropolitan -level housing integration has upon African -
American outcomes;
--Explains why some metropolitan areas have seen black/white segregation levels steadily
decline, while many other regions have made only marginal progress towards integration;
—Identifies innovative methods for measuring the degree to which economic inequality
influences racial segregation, and the surprising degree to which these effects vary across the country;
--Develops detailed, concrete strategies for reducing segregation levels and making both central
city and suburban neighborhoods more racially diverse.
April 4, 2018
Page 2
We hope that this book will help to bridge the gap between scholarship and fair housing activism.
We think it also demonstrates the importance of the type of "fair housing planning" envisioned in the
AFFH standards promulgated by the Obama Administration in 2015 and delayed by the Trump
Administration in 2017. We think the book will be helpful in galvanizing greater public awareness of
fair housing issues, and in focusing the attention of foundations who are considering ways to maintain
momentum on civil rights issues.
We are organizing a number of events around the country to discuss the book and the current
state of fair housing. If you might be interested in sponsoring or co -sponsoring such an event, please let
us know. We are also planning a conference for late 2018 or early 2019 aimed at bringing together
scholars, advocat_Ps, foundation executives and gevc-i r_cnt officials to pursue plans for a new, more
ambitious generation of fair housing policies. If members of your staff or board are interested in
participating, please reach out to us.
My colleagues and I look forward to starting a dialog.
Sincerely yours,
)eV ;/ lwv— .
Richard H. Sander
Professor of Law
;;; Harvard
cloth • $39.95
ISBN 9780674976535
608 pages - 22 graphs, 82 tables
Moving toward Integration
The Past and Future ofFah-Housing
Richard H. Sander, Yana A. Kucheva, and
Jonathan M. Zasloff
"7lousing segregation of low-income African Americans is the great an Jini.shed
business of the civic righ es ntove-rnent, depriving too many o/'our fellow citiL ens
access togoodschools andjobs. Richard Sander, I'ana Kucheva. and Jonalhan
Zasloffprovide a brilliant mix of.slveeping historj6 in.sightfid social science, and
compelling pnliey pl'oposals- On a topic that can be decinly discouraging, this
splendid boob left meflenuinely optimistic about pathfarward."
—Richard D. Rahlcuber'g, Senior Fellow, The Century Foundation
Reducing residential segregation is the best way to reduce racial
inequality in the United States. African American employment rates,
earnings, test scores, even longevity all improve sharply as residential
integration increases. Yet far too many participants in our policy and
political conversations have come to believe that the battle to inte-
grate America's cities cannot be won. Richard Sander, Yana Kucheva,
and Jonathan Zasloff write that the pessimism surrounding desegre-
gation in housing arises from an inadequate understanding of how
segregation has evolved and how policy interventions have already
set many metropolitan areas on the path to integration.
Scholars have debated for decades whether America's fair housing
laws are effective. Moving toward Integration provides the most defini-
tive account to date of how those laws were shaped and implemented
and why they had a much larger impact in some parts of the country
than others. It uses fresh evidence and better analytic tools to show
when factors like exclusionary zoning and income differences be-
tween blacks and whites pose substantial obstacles to broad integra-
tion, and when they do not.
Through its interdisciplinary approach and use of rich new data sourc-
es, Moving toward Integration offers the first comprehensive analysis
of American housing segregation. It explains why racial segregation
has been resilient even in an increasingly diverse and tolerant society,
and it demonstrates how public policy can align with demographic
trends to achieve broad housing integration within a generation.
Richard H. Sander is an economist and Professor of Law at the University of
California, Los Angeles, School of Law. Yana A. Kucheva is a sociologist and
Assistant Professor at the Colin Powell School for Civic and Global Leadership
at the City College of New York. Jonathan M.Zasloff is a historian and
Professor of Law at the University of California, Los Angeles, School of Law.
HARVARD UNIVERSITY PRESS wwwAup.harvard.edu email: customeccare@triliteral.org tel: (800) 405-1619
Additional Praise for Moving Toward Integration
"This is a landmark book. Moving Toward Integration identifies segregation in housing as the
central problem holding back the progress of African Americans and tarnishing the American
dream. The authors diverge from liberal and conservative orthodoxy, attributing persistent
segregation neither to racism, nor to the benign and idiosyncratic workings of the market
economy — though both factors play a role. Instead they carefully analyzed the host of forces,
macro and micro, that come into play. Most strikingly, they are optimistic. They see places
where integration is happening and try to learn from it. Moving Toward Integration is model of
scholarship but one that also provides powerful lessons for politicians and policy makers who
want to create an America that works for everyone."
--Fareed Zakaria, host of CNN's Fareed Zakaria GPS, and columnist, Washington Post
"In Moving Toward Integration, the Sander team has produced precisely what America
desperately needs: a hard-headed analysis, deeply informed by new empirical data and
methodologies, that shows how many metro areas and neighborhoods have been reducing
racial segregation and lays out a multi -pronged strategy to finish the job. This highly readable
book should become the leading account of how to strengthen the fight against housing
segregation, perhaps the largest remaining barrier to racial equality."
--Peter Schuck, Baldwin Professor of Law Emeritus, Yale University
"Professors Sander, Kucheva, Zasloff skillfully analyze the historic data from 1865 to the
present day proving that racial integration has an enormously powerful effect on lifting people
out of poverty. They show that today with very moderate and non -coercive governmental
guidance, pockets of high segregation could be broken up, with potentially huge gains in
increasing equality of opportunity and poverty reduction. Their analysis provides the
foundation for a bipartisan anti -poverty, pro -opportunity agenda that every American,
Democrat and Republican, can champion."
--Carla Hills, former U.S. Secretary of Housing and Urban Development
"Moving Toward Integration forcefully argues that unraveling residential segregation is the key
to reducing racial inequality — and that, contrary to the prevailing pessimism, integration can be
achieved. Pairing their deep knowledge of legal history with a new analysis of household -level
mobility and residential locations, the authors document the striking achievements of the 1968
Fair Housing Act, countering the narrative that policy support for integration has been toothless
or a failure. Going forward, the combination of changing demographics and targeted policy, can
move us incrementally — but meaningfully — toward integration."
---Leah Boustan, Professor of Economics, Princeton University
Additional Praise for Moving Toward Integration
"This is a landmark book. Moving Toward Integration identifies segregation in housing as the
central problem holding back the progress of African Americans and tarnishing the American
dream. The authors diverge from liberal and conservative orthodoxy, attributing persistent
segregation neither to racism, nor to the benign and idiosyncratic workings of the market
economy — though both factors play a role. Instead they carefully analyzed the host of forces,
macro and micro, that come into play. Most strikingly, they are optimistic. They see places
where integration is happening and try to learn from it. Moving Toward Integration is model of
scholarship but one that also provides powerful lessons for politicians and policy makers who
want to create an America that works for everyone."
Fareed Zakaria, host of CNN's Fareed Zakoria GPS, and columnist, Washington Post
"In Moving Toward Integration, the Sander team has produced precisely what America
desperately needs: a hard-headed analysis, deeply informed by new empirical data and
methodologies, that shows how many metro areas and neighborhoods have been reducing
racial segregation and lays out a multi -pronged strategy to finish the job. This highly readable
book should become the leading account of how to strengthen the fight against housing
segregation, perhaps the largest remaining barrier to racial equality."
--Peter Schuck, Baldwin Professor of Law Emeritus, Yale University
"Professors Sander, Kucheva, Zasloff skillfully analyze the historic data from 1865 to the
present day proving that racial integration has an enormously powerful effect on lifting people
out of poverty. They show that today with very moderate and non -coercive governmental
guidance, pockets of high segregation could be broken up, with potentially huge gains in
increasing equality of opportunity and poverty reduction. Their analysis provides the
foundation for a bipartisan anti -poverty, pro -opportunity agenda that every American,
Democrat and Republican, can champion."
--Carla Hills, former U.S. Secretary of Housing and Urban Development
"Moving Toward Integration forcefully argues that unraveling residential segregation is the key
to reducing racial inequality — and that, contrary to the prevailing pessimism, integration can be
achieved. Pairing their deep knowledge of legal history with a new analysis of household -level
mobility and residential locations, the authors document the striking achievements of the 1968
Fair Housing Act, countering the narrative that policy support for integration has been toothless
or a failure. Going forward, the combination of changing demographics and targeted policy, can
move us incrementally — but meaningfully — toward integration."
---Leah Boustan, Professor of Economics, Princeton University
The following documents were handed
out during the meeting.
HMDA Report
Jeff Falk
4/15/18
In February, 2018, REVEAL, a program of the Center For Investigative Reporting,
issued a report on housing mortgage disparities in the US. Iowa City was listed as
a location with very high rates of denial for Hispanic applicants. This report, using
the data and following the methodology of the REVEAL report, tries to look more
closely at the data for Iowa City.
The original Reveal report from the Center for Investigative Reporting can be
found at:
https://www. reveal news.or.q/article/how-we-identified-lend i ng-disparities-i n-federal-
mortgage-data/
This document details how to retrieve the data.
And an Iowa City Press -Citizen article about report can be found at:
https://www. press-citizen.com/story/newsf2Ol 8/02/15/iowa-city-latinos-faced-
n ations-worst-bias-home-I oa ns/340392002/
The Reveal report makes clear that what seems to be the most important element
for analysis of housing disparities, a credit report, is not publicly available. This is
due to the lobbying efforts of financial institutions and the credit reporting agencies.
So there is no way to evaluate the use and validity of credit reports. Reveal
attempted to use other available data to evaluate applicant risk. They used
applicant and coapplicant income, ratio of loan amount to applicant income, and
characteristics of the census tract in which the property was located. The
examination also was limited to owner occupied housing. Strictly business
ventures were excluded.
In what follows I have attempted to duplicate the Reveal analysis as well as look
more closely at the Iowa City mortgage environment. "Redlining", the complete
exclusion of a certain group from loans in a certain area does no longer appear to
exist. Yet large disparities in loan approval remain. It is important to ask "why?"
The answers can have implications for the current and future development of
neighborhoods.
1
The initial count and percent for the Iowa City metropolitan census district certainly
display large discrepancies in denial percentages. These are the initial raw
numbers and percent; only conventional loans for owner occupied properties with
1 to 4 family units were considered.
Years 2015 and 2016 were combined to increase sample sizes.
Black 2015 & 2016
Loan purpose
Home purchase
Home improvement
Refinance
Total applications
127
11
56
Total denials
1
5
25
Percent denials
0.8
45.5
44.6
UICCU applications
67
0
14
Denials
0
0
1
Percent denials
0
0
7
Hills applications
46
3
11
Denials
0
2
3
Percent denials
0
67
27
Hispanic/Latino 2015 & 2016
Loan purpose
Home purchase
Home improvement
Refinance
Total applications
204
20
107
Total denials
22
8
39
Percent denials
10.8
40
36.4
UICCU applications
76
0
19
Denials
0
0
0
Percent denials
0
0
0
Hills applications
88
5
19
Denials
15
4
8
Percent denials
17
80
42
Caucasian 2015 & 2016
Loan Purpose
Home purchase
Home improvement
Refinance
Total applications
5057
273
1942
Total denials
123
39
330
Percent denials
2.4
14.3
17.0
UICCU applications
1998
27
1146
Denials
5
0
5
Percent denials
0.25
0
0.43
Hills applications
1820
218
791
Denials
50
18
104
Percent denials
2.7
8
13
OQ
Home Purchase
The raw percent do not take into consideration things like loan size, applicant's income, or
income level of the census tract. A logistic regression is a statistical method that attempts to
take all the factors input into consideration. The R program logistic regression input and output
for the Iowa City Metropolitan area home purchases is given in the Appendix, page 14. The
Appendix also includes some images of census tracts and more mapping is available at:
hftps://geomap.ffiec.gov/FFIEGGeoeMap/GeocodeMapl.aspx
In summary, only being of Hispanic ethnicity or race was determined to be highly statistically
significant with a transformed regression coefficient estimate of 4.5. This implies the odds of
being denied a home loan application was increased by a factor (multiple) of about 4.5 for an
Hispanic applicant compared to a Caucasian applicant. This factor has a 95% confidence
interval of about (2.8,7.5).
Which loan institutions were involved with Hispanic applicants? Institutions were identified with a
unique number. These are listed in the following table. Those that had denials are identified.
The University of Iowa Community Credit Union is also identified because it had a large number
of applications.
Hispanic applications for home purchase
Number
Name
Applications
Denials
Percent denials
14352
2
0
14650
Hills Bank &
Trust
88
15
17
14843
Midwest One
8
2
25
15289
1
0
17282
1
0
2590037
State Farm Bank
Bloomington
1
1
100
433943
5
0
451965
Wells Faro NA
7
2
29
504713
3
0
60269
UICCU
76
0
6288
1
0
64418
3
0
68510
Community First
Otumwa
3
1
33
830542
CBI Bank & Trust
Muscatine
4
1
25
65078
1
0
It appears that the high logistic regression Hispanic multiplicative factor estimate for denials is
due primarily to the denials of Hills Bank & Trust.
It might also prove interesting to look at denials by geography. Is there an area with a high
3
denial rate? The HMDA data gives property location within census tracts. The Iowa City
Metropolitan area has 29 census tracts. The overall denial rate for the IC area of 2.8% can be
used in a simulation to assess which census tracts might have denial rates that are high even
considering variation due to chance. Using a random binomial probability generator with a
probability of 2.8% and the number of applications given by the actual data, a program counts
the number of times out of 1000 that the simulated number of denials is less than the actual
number of denials. A count of 950 or more out of 1000 is taken to indicate actual denials in
excess of what would be expected with random variation.
The following table gives the relevant overall information. This is not limited to Hispanic
applicants.
Tract
Number
Applications
Denials
% Denials
Simulations<actual
per 1000
Significantly
less
simulations
1
281
8
2.8
464
101
284
11
3.9
813
102
176
3
1.7
114
103.01
940
28
3
590
103.02
824
10
1.2
0
104
116
8
6.9
987
$$
105
295
2
0.7
2
11
24
0
0
0
12
80
0
0
0
13
160
4
2.5
314
14
263
7
2.7
400
15
116
2
1.7
155
16
20
0
0
0
17
123
4
3.3
545
18.01
200
6
3
541
18.02
177
12
6.8
997
$$
2
97
2
2.1
250
21
4
0
0
0
23
48
1
2.1
239
3.01
462
8
1.7
56
3.02
181
4
2.2
251
4
279
9
3.2
584
5
215
0
0
0
6
21
0
0
0
9601
229
9
3.9
804
9602
99
8
8.1
993
$$
9603
98
10
10.2
998
$$
9604
116
11
9.5
1000
$$
9605
69
3
4.3
0
Tracts 104,18.02,9602,9603, and 9604 have notably high denial rates.
El
Hills Bank Hispanic applications
Tract
Number
Applications
Denials
% Denials
Simulations<actual
per 1000
Significantly
less
simulations
1
6
3
50
930
$$
101
0
0
0
0
102
1
0
0
0
103.01
10
1
10
160
103.02
3
0
0
0
104
1
0
0
0
105
6
0
0
0
11
0
0
0
0
12
0
0
0
0
13
1
0
0
0
14
2
0
0
0
15
0
0
0
0
16
0
0
0
0
17
3
0
0
0
18.01
10
2
20
466
18.02
14
4
29
832
$
2
4
0
0
0
21
0
0
0
0
23
0
0
0
0
3.01
3
0
0
0
3.02
8
2
25
611
4
3
1
33
572
5
1
0
0
0
6
0
0
0
0
9601
0
0
0
0
9602
0
0
0
0
9603
10
2
20
496
9604
2
0
0
0
9605
0
0
0
0
Tract 1 is borderline high with small sample sizes and tract 18.02
18.02 has a high rate of overall denials (previous table) but a not
Bank denials (above table).
would be the next closest.
quite significant rate of Hills
The following two graphs are for Hills Bank, tract 18.02
Circles are Caucasian applicants; green fill indicates denial
Triangles are Black applicants; black fill indicates denial
Diamonds are Hispanic/Ladino applicants; brown fill indicates denial
Incomes are in 000's.
911
o
r
0
O O
O 14® o
o Q°dip
C �O O O
+O
O O o 0 0®
O 61
O O
O OO
Oy
O O O
O O O
O
O
O
Op O (8 O
®� 04�O A 0000 0 0 O O
50 100 150 200 250
Applicant Income
The next graph is just a small section from the one above. Examining a small section enables a
comparison of applicants and properties with close financial attributes and the same or different
application outcomes.
9
LO
0
a
O
O
0
0
0
O
O
O
0
O
45 50 55
Applicant Income
There is not a clear sensible break between those approved and those denied. Here is a table
for the five Hispanic/Ladino applicants:
Prop.
Type
Amount
000's
1: approved
3: denied
Sex
1:male
2:female
Income
000"s
Coap Eth
1:H/L
5:no coap
Coap
Race 5:
white 8:
no coap
Coap Sex
5: no
coap
1
21
1
1
46
1
5
2
1
18
1
1
42
5
8
5
1
22
3
1
50
1
5
2
1
18
1
2
42
5
8
5
1
25
3
2
53
1
5
1
There is not a clear difference between those accepted and those denied using these categories.
VA
Tracts 18.01 and 18.02 are contiguous. Although the sample sizes are small the following table
indicates what could be a difference for Hills Bank home ourchases.
Tract
18.01
18.02
Overall denial percent
2.2
10
H/L denial percent
20
28.6
Non-H/L denial percent
0
7
Population
4920
3790
Minority percent population
32.6
41.5
Median Family Income
85000
85000
Tract to MSA.MD ratio
75.85
76.93
Owner Occupied Units
1364
841
1 to 4 Family Units
1637
1138
Percent owner occupied
83.3
74.0
Tract 18.02 shows higher denial rates, especially for H/L applicants. Both tracts show a median
income at about 75% of the overall MSA median income. 18.02 also appears to be an area with
a smaller percent of owner -occupancy. This could imply a higher rental percent.
In addition, home purchase Caucasian overall denial rate is 2.5% (127/5130). The Caucasian
denial rate for tract 18.02 is 2.9% (4/138). Simulation for this tract with a 2.5% denial rate
shows a count less than 4 of 583 indicating the above demographic characteristics of tract 18.02
have not significantly raised the Caucasian denial rate as they might have for Hispanic/Ladino
applicants.
0
Home Improvement
The logistic regression for home improvement is next in the Appendix, page 16.
None of the racial and ethnic variables is significant. But the sample sizes are quite small.
Do anv of the census tracts show high overall rienial raters?
Tract
Number
Applications
Denials
% Denials
Simulations<actual
per 1000
Significantly
less
simulations
1
18
0
0
0
101
41
4
9.8
74
102
19
0
0
0
103.01
39
7
18
533
103.02
54
15
28
974
$$
104
23
0
0
0
105
27
4
15
327
11
4
0
0
0
12
10
1
10
178
13
19
2
11
143
14
9
1
11
200
15
9
1
11
186
16
4
0
0
0
17
9
2
22
549
18.01
16
7
44
992
$$
18.02
19
7
37
983
$$
2
11
3
27
737
21
0
0
0
0
23
3
0
0
0
3.01
20
0
0
0
3.02
16
2
12.5
257
4
12
1
8
131
5
17
2
12
193
6
1
0
0
0
9601
55
5
9
40
9602
49
10
20
720
9603
48
14
29
982
$$
9604
40
9
23
788
9605
39
6
15
0
Tracts 103.02,18.01, 18.02, and 9603 show higher than expected denial rates.
Which institutions were involved in these tract applications?
E
Tract 103.02
Number
Institution
Applicati
denials
Percent denial
ons
1007846
First Midwest,
1
1
0
Gurnee, Illinois
14650
Hills Bank & Trust
16
1
6
14843
Midwest One
1
0
0
451965
Wells -Fargo,
7
6
86
Winston-Salem,
NC
47-0376012
Farm Credit
1
0
0
Services, Omaha,
NE
476810
CitiBank, NA
1
1
100
504713
US Bank NA
7
2
29
58013
Two Rivers Bank,
6
1
17
Burlin ton,IA
60269
UICCU
7
0
0
62969
Collins Comm
4
3
75
CU,Cedar Rapids
64418
Veridian CU,
4
0
0
Waterloo,IA
830542
CBI Bank,
1
0
0
Muscatine
57484
Bankers Trust,
1
0
0
DesMoine
Tract 18.01
Number
Institution
Applications
denials
Percent denial
14650
Hills Bank &
6
2
33
Trust
14843
Midwest One
1
0
0
451965
Wells-
4
3
75
Fargo,Winston-
Salem,NC
504713
US Bank, NA
1
1
100
60269
UICCU
1
0
0
63602
Linn Area CU,
1
1
100
Cedar Rapids
64203
Greater Iowa CU,
1
0
0
Ames, IA
64418
Veridian CU,
1
0
0
Waterloo
10
Tract 18.02
Number
Institution
Applications
Denials
Percent Denial
14650
Hills Bank &
12
5
42
Trust
14843
Midwest One
2
1
50
451965
Wells -Fargo,
1
1
100
Winston-
Salem,NC
60269
UICCU
2
0
0
617677
NFCU, Vienna,
1
0
0
VA
64418
Veridian CU,
1
0
0
Waterloo
Tract 9603
Number
Institution
Applications
Denials
Percent Denial
14352
Federation Bank,
13
2
15
Washin ton jA
14650
Hills Bank
11
5
45
433943
Washington
15
2
13
State Bank,
Washington, IA
504713
US Bank NA
6
4
67
62969
Collins Comm
1
1
100
CU, Cedar
Rapids, IA
68510
Community First
2
0
0
CU, Ottumwa, IA
11
REFINANCE
The logistic regression for refinance is shown in the appendix page 17.
In summary, being Black or of Hispanic ethnicity or race were determined to be highly
statistically significant with a coefficient estimate of 2.9, 95% Cl (1.6,5.1), and 2.7, 95% Cl
(1.7,4.2) respectively. This implies the odds of being denied a home loan application was
increased by a factor (multiple) of about 2.9 for a Black applicant and about 2.7 for an Hispanic
applicant compared to a Caucasian applicant.
Which loan institutions were involved with Black or Hispanic applicants? Institutions were
identified with a unique number. These are listed in the following table. Those that had denials
are identified. The University of Iowa Community Credit Union is also identified because it had a
large number of applications.
Number
Institution
Applications
Denials
Percent
Denial
14352
Federation Bank,
Washington, IA
19
3
16
14650
Hills Bank
163
33
20
14843
Midwest One
30
5
17
26-4599244
Loan Depot.com,LLC,FootHil1
Ranch, CA
51
48
94
41-1795868
DITECH FINANCIAL LLC,
TAMPA, FL
13
4
31
42-1130287
IOWA BANKERS
MORTGAGE
CORP.,JOHNSTON, IA
23
12
52
433943
Washington State Bank,
Washington, IA
30
3
10
451965
Wells -Fargo, Winston-
Salem, NC
11
3
27
504713
US BANK NA
57
23
40
60269
UICCU
197
3
1.5
64418
Veridian CU, Waterloo, IA
26
7
27
7197000002
QUICKEN LOANS,
DETROIT, MI
28
9
32
830542
CBI BANK, Muscatine, IA
19
6
32
12
13
APPENDIX
Variables
The same notation is used for each regression
ai: American Indian yes or no
asian: Asian applicant yes or no
bl: Black applicant yes or no
ha: Hawaiian or Pacific Islander yes or no
hl: Hispanic or Latino applicant yes or no
nr: no indicated race or ethnicity yes or no
male: male applicant yes or no
sexna: no indicated gender yes or no
coap: coapplicant yes or no
logloan: logarithm of amount of loan (000's)
loginc: logarithm of the amount of applicant's income ( includes coapplicant)
lincratio: ration of the loan amount to applicant's income
trtoinc: ratio of median census tract income to median income for entire MSA region
perbl: percent of Black residents in census tract
perhl: percent of Hispanic residents in census tract
perai: percent of American Indian in census tract
perha: percent of Hawaiian or Pacific Islander in census tract
Logistic regression for home purchase
IC.fit1<- glm(deniallC — ai[t1] + asian[tl] + bl[tl] + ha[t1] + hl[t1] + nr[tl] + male[t1] + sexna[tl] +
coap[t1] + coapna[t1] + logloan[t1] + loginc+ lincratio + trtoinc[tl] + perbl[t1] + perhl[tl] + perai[t1] +
perha[t1], family =binomial(link="logit"))
summary(IC.fitl)
Call:
glm(formula = deniallC — ai[t1] + asian[t1] + bl[t1] + ha[tl] +
hl[t1] + nr[tl] + male[t1] + sexna[t1] + coap[tl] + coapna[t1] +
logloan[t1] + loginc + lincratio + trtoinc[tl] + perbl[t1] +
perhl[t1] + perai[tl] + perha[t1], family= binomial(link = "logit"))
Deviance Residuals:
Min 1Q Median 3Q Max
-1.4980-0.2553-0.2062-0.1666 3.2758
Coefficients:
Estimate Std. Error z value Pr(>I zl )
(Intercept) 1.901260 2.144986 0.886 0.37542
ai[t1] 0,988912 1.057346 0.935 0.34965
asian[t1] 0.559775 0.327948 1.707 0.08784.
14
bl[t1]-1.142216 1.011573 -1.129 0.25884
ha[t1]-10.664680 329.554919 -0.032 0.97418
hl[t1] 1.510843 0.254512 5.936 2.92e-09 ***
nr[t1] 1.073885 0.528529 2.032 0.04217 *
male[t1]-0.011902 0.173383 -0.069 0.94527
sexna[t1]-0.076244 0.613561 -0.124 0.90111
coap[t1] 0.495726 0.184755 2.683 0.00729 **
coapna[t1]-0.740405 0.578129 -1.281 0.20030
logloan[t1] 0.099905 0.133537 0.748 0.45437
loginc-0.455022 0.223686 -2.034 0.04193 *
lincratio 0.148691 0.072533 2.050 0.04037 *
trtoinc[t1]-0.010007 0.004210 -2.377 0.01745 *
perbl[t1]-0.008024 0.010454 -0.768 0.44275
perhl[t1] 0.004918 0.009423 0.522 0.60177
perai[t1] 0.017025 0.010801 1.576 0.11497
perha[tl]-0.023949 0.011379 -2.105 0.03531
Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 " 1
(Dispersion parameter for binomial family taken to be 1)
Null deviance: 1546.6 on 5996 degrees of freedom
Residual deviance: 1448.7 on 5978 degrees of freedom
AIC: 1486.7
Number of Fisher Scoring iterations: 13
t3<- coef(IC.fit 1)[6];t4<- exp(t3);t4
hl[tl]
4.53055
# the odds of being denied increase by a factor of about 4.53 for an hl applicant compared to a white
applicant
# 95% confidence interval
t5<- t3 - 1.96*0.254512;t6<- t3 + 1.96*0.254512
exp(t5);exp(t6)
hl[t1]
2.751097
hl[t1]
7.460981
Home Improvement
Call:
glm(formula = deniallC - ai[t1] + asian[tl] + bl[t1] + ha[tl] +
hl[t1] + nr[t1] + male[t1] + sexna[t1] + coap[t1] + coapna[tl] +
logloan[t1] + loginc + lincratio + trtoinc[t1] + perbl[tlj +
perhl[t1] + perai[t1] + perha[t1], family = binomial(link = "logit"))
15
Deviance Residuals:
Min 1Q Median 3Q Max
-1.7160-0.6007-0.4085-0.2445 2.8611
Coefficients:
Estimate Std. Error z value Pr(> I z l )
(Intercept) 9.151985 2.649679 3.4540.000552***
ai[t1]-13.431427 835.294482 -0.016 0.987171
asian[t1] 1.448872 1,274671 1.137 0.255679
bl[t1] 1.241304 0.694384 1.788 0.073835 .
ha[t1] 1.858474 1.350805 1.376 0.168875
hl[t1] 0.381522 0.535880 0.712 0.476493
nr[t1] 0.878209 0.631460 1.3910.164299
male[t1] 0.026331 0.276406 0.095 0.924106
sexna[tl]-0.311557 0.676597 -0.460 0.645174
coap[t1]-0.030740 0.298299 -0.103 0.917921
coapna[t1]-0.158977 0.616936-0.2580.796648
logloan[t1]-0.318723 0,156996-2.0300.042342*
loginc-0.806827 0.260572 -3.096 0.001959 **
lincratio 0.210785 0.179160 1.177 0.239388
trtoinc[t1]-0.011188 0.006648 -1.683 0.092388 .
perbl[t1] 0.039181 0.018407 2.129 0.033285
perhl[t1]-0.021202 0.013259 -1.599 0.109795
perai[t1]-0.037856 0.013331-2.8400.004517**
perha[t1]-0.005607 0.018475 -0.303 0.761509
Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 " 1
(Dispersion parameter for binomial family taken to be 1)
Null deviance: 561.58 on 630 degrees of freedom
Residual deviance: 473.22 on 612 degrees of freedom
AIC: 511.22
Number of Fisher Scoring iterations: 14
Refinance
Call:
glm(formula = deniallC - ai[t1] + asian[t1] + bl[t1] + ha[t1] +
hl[t1] + nr[t1] + male[t1] + sexna[t1] + coap[t1] + coapna[tl] +
logloan[t1] + loginc+ trtoinc[t1] + perbl[t1] + perhl[t1] +
perai[tl] + perha[t1], family= binomial(link= "logit"))
Deviance Residuals:
Min 1Q Median 3Q Max
-1.5587-0.6348-0.4801-0.3325 3.1072
Coefficients:
In
Estimate Std. Error z value Pr(> Iz l )
(Intercept) 8.371887 0.883385 9.477 < 2e-16 ***
ai[t1]-11.368901 308.895360 -0.037 0.970640
asian[tl] 0.100165 0.293586-0.3410.732970
bl[t1] 1.068477 0.290597 3.677 0.000236 ***
ha[t1]-11.079250 374.878579 -0.030 0.976423
hl[t1] 0.985120 0.223731 4.403 1.07e-05 ***
nr[t1] 0.703642 0.273000 2.577 0.009953 **
male[t1] 0.204997 0.101466 2.020 0.043346
sexna[t1]-0.843784 0.318170 -2.652 0.008002 **
coap[tl]-0.528807 0.103091 -5,130 2.90e-07 ***
coapna[t1] 0.294879 0.245342 1.202 0.229398
logloan[tl] 0.460331 0.075627 6.087 1.15e-09 ***
loginc-1.040431 0.089735-11.595 < 2e-16 ***
trtoinc[t1]-0.003224 0,002127 -1.516 0.129590
perbl[tl]-0.009981 0.005690 -1.754 0.079426.
perhl[t1]-0.001100 0.005259-0.2090.834273
perai[t1]-0.011591 0.005806 -1.996 0.045918
perha[t1] 0.013637 0.006406 2.129 0.033285
Signif. codes: 0 '***' 0.001 '**' 0.01 '*' 0.05 '.' 0.1 " 1
(Dispersion parameter for binomial family taken to be 1)
Null deviance:3701.0 on 4067 degrees of freedom
Residual deviance: 3343.8 on 4050 degrees of freedom
AIC: 3379.8
Number of Fisher Scoring iterations: 12
Census tracts for Iowa City MSA
17
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