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rates of home ownership among minority households suggests that large minority families may <br /> have difficulty finding adequate rental housing with a sufficient number of bedrooms, which <br /> may result in overcrowding. <br /> • Opportunities to File Fair Housing Complaints-St.Joseph County, South Bend, and Mishawaka <br /> have public ordinances to protect and enforce fair housing for residents. Lack of awareness of ' <br /> these ordinances and lack of consistency in handling complaints can lead to disparities in <br /> treatment across jurisdictions. <br /> • Unsupported Section 8 Vouchers- both the Housing Authority of Mishawaka and the St.Joseph ' <br /> County Housing Authority report waiting lists for Section 8 Housing Voucher assistance. <br /> • Housing Authority of South Bend -the Housing Authority of South Bend (HASB) was not <br /> available for interview. Other interviewees referenced reduced hours of operation and services , <br /> due to financial constraints and organizational problems. Internal problems within HASB can <br /> limit the access of residents to housing services. <br /> • Public Transit-South Bend and Mishawaka offer public transportation for their residents. <br /> Limited nighttime hours may restrict the commuting ability of second and third shift laborers <br /> and limited access to public transportation outside of city limits may limit the commute and <br /> access to services of low-mod income populations in the county. <br /> • Denial of Mortgage Applications-an impediment to fair housing is seen in the ability of lower ' <br /> income and minority households to obtain home loans.The primary causes of denial were <br /> related to the household's income.The rate of denial for Blacks and Asians remains higher than <br /> the rate for Whites. Hispanic households were also challenged as their denial rate has increased. <br /> CAPER 24 <br /> OMB Control No:2506-0117(exp.06/30/2018) ' <br />