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<br /> <br />Orange County 141 25-29 Regional AFH <br /> <br />Charts 1 and 2, below, show denial rates for home purchase loans by race/ethnicity in <br />Orange County and California between 2010 -2021. In both Orange County and California, <br />denial rates are highest for Black loan applicants, followed by Hispanic then Asian <br />applicants. White applicants have the lowest denial rates. Denial rates are lower in Orange <br />County for all groups compared to the state, except for Hispanic applicants who have the <br />same denial rate in both geographies. Since the Great Recession, denial rates hav e fallen <br />for all groups. <br />Chart 1: Home Purchase Loan Denial Rates by Race/Ethnicity, Orange County <br /> Source: Analysis of Home Mortgage Disclosure Act (HMDA) data by the Federal Reserve Banks of <br />Philadelphia and Cleveland. <br /> <br />EXHIBIT 6