African Americans, Asian Americans, and Latinos constitute
3.8% of Iowa's population but represent only 1.7% of Iowa's homeowners.
As the state agency charged with eliminating discrimination in
Iowa, the Iowa Civil Rights Commission (ICRC) is duty-bound to
investigate the racial disparity in Iowa home ownership and determine
whether that disparity is the result of discrimination.
In 1995, the ICRC received an 18-month grant from the U. S. Department
of Housing and Urban Development to study mortgage lending practices
in Iowa's eight largest communities.
The ICRC completed the study in six stages. In stage one, the
ICRC analyzed Home Mortgage Disclosure Act data and calculated
minority/white rejection ratios and minority market shares for
each lender in each of the eight communities. In stage two, the
ICRC conducted more than one hundred interviews of lending institutions,
advocacy groups/city officials, regulatory agencies, real estate
representatives, insurance agencies, and appraisal companies.
In stage three, the ICRC conducted on-site race and national origin,
pre-application tests of mortgage lenders. In stage four, the
ICRC surveyed mortgage lenders to determine workforce composition
and to check on certain lending procedures. In stage five, the
ICRC reviewed and compared loan application files of minority
and white applicants. And in stage six, the ICRC calculated community-specific
segregation indices.
This report summarizes the information gained from the study.
Public meetings will be held in each of the eight communities
to review and discuss the information gained.
State | Population | %Minority* | Homeowners | %Minority* |
Iowa | 2,776,755 | 3.784% | 745,377 | 1.722% |
*African American (AA), Asian American (AsA), and Latino
City | Population | %Minority* | Homeowners | %Minority* |
Cedar Rapids | 108,751 | 4.938% | 29,346 | 2.344% |
Council Bluffs | 54,315 | 3.599% | 22,226 | 1.674% |
Davenport | 95,333 | 12.270% | 38,115 | 3.998% |
Des Moines | 193,187 | 11.751% | 48,660 | 6.716% |
Dubuque | 57,546 | 1.852% | 14,172 | 0.593% |
Iowa City | 59,738 | 9.746% | 9,823 | 3.400% |
Sioux City | 80,505 | 6.952% | 20,437 | 2.535% |
Waterloo/Cedar Falls | 100,765 | 10.057% | 25,136 | 5.972% |
*African American, Asian American, and Latino
City |
|
|
|
|
|
|
|
|
|
%AA,A,H |
Cedar Rapids |
|
|
|
|
|
|
|
|
|
4.999% |
Council Bluffs |
|
|
|
|
|
|
|
|
|
3.633% |
Davenport |
|
|
|
|
|
|
|
|
|
12.400% |
Des Moines |
|
|
|
|
|
|
|
|
|
11.891% |
Dubuque |
|
|
|
|
|
|
|
|
|
1.858% |
Iowa City |
|
|
|
|
|
|
|
|
|
9.835% |
Sioux City |
|
|
|
|
|
|
|
|
|
7.039% |
Waterloo/ Cedar Falls |
|
|
|
|
|
|
|
|
|
10.099% |
City |
|
|
|
|
|
|
|
|
|
% AA,A,H |
Cedar Rapids |
|
|
|
|
|
|
|
|
|
2.344% |
Council Bluffs |
|
|
|
|
|
|
|
|
|
1.674% |
Davenport |
|
|
|
|
|
|
|
|
|
3.998% |
Des Moines |
|
|
|
|
|
|
|
|
|
6.716% |
Dubuque |
|
|
|
|
|
|
|
|
|
0.593% |
Iowa City |
|
|
|
|
|
|
|
|
|
3.400% |
Sioux City |
|
|
|
|
|
|
|
|
|
2.535% |
Waterloo Cedar Falls |
|
|
|
|
|
|
|
|
|
5.972% |
City | Population | %AA | Homeowners | %AA |
Cedar Rapids | 108,751 | 2.875% | 29,346 | 1.315% |
Council Bluffs | 54,315 | 0.799% | 22,226 | 0.306% |
Davenport | 95,333 | 7.889% | 38,115 | 2.130% |
Des Moines | 193,187 | 7.113% | 48,660 | 4.316% |
Dubuque | 57,546 | 0.575% | 14,172 | 0.106% |
Iowa City | 59,738 | 2.538% | 9,823 | 0.825% |
Sioux City | 80,505 | 2.296% | 20,437 | 0.856% |
Waterloo/Cedar Falls | 100,765 | 8.389% | 25,136 | 5.112% |
City | Population | %AA | Homeowners | %AA |
Cedar Rapids | 108,751 | 0.981% | 29,346 | 0.399% |
Council Bluffs | 54,315 | 0.416% | 22,226 | 0.171% |
Davenport | 95,333 | 1.049% | 38,115 | 0.362% |
Des Moines | 193,187 | 2.382% | 48,660 | 1.005% |
Dubuque | 57,546 | 0.639% | 14,172 | 0.148% |
Iowa City | 59,738 | 5.593% | 9,823 | 1.690% |
Sioux City | 80,505 | 1.484% | 20,437 | 0.543% |
Waterloo/Cedar Falls | 100,765 | 0.927% | 25,136 | 0.438% |
City | Population | %AA | Homeowners | %AA |
Cedar Rapids | 108,751 | 1.081% | 29,346 | 0.630% |
Council Bluffs | 54,315 | 2.384% | 22,226 | 1.197% |
Davenport | 95,333 | 3.331% | 38,115 | 1.506% |
Des Moines | 193,187 | 2.256% | 48,660 | 1.395% |
Dubuque | 57,546 | 0.638% | 14,172 | 0.593% |
Iowa City | 59,738 | 1.615% | 9,823 | 0.886% |
Sioux City | 80,505 | 3.172% | 20,437 | 1.135% |
Waterloo/Cedar Falls | 100,765 | 0.741% | 25,136 | 0.422% |
Sources : U.S. Census Bureau Web Site
http://venus.census.gov/cdrom/lookup
State Data Center
1990 US Census