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Ronald Reagan Presidential Library
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Collection: Blackwell, Morton: Files
Folder Title: Department of Agriculture - Indians
(1 of 3)
Box: 29
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under Indians Dept. Indian
THE WHITE HOUSE
I
United States
Department of
Agriculture
Applications and
Farmers
Home
Administration
Loans to American
Program
Evaluation
Indians
Staff
March 1981
- - ------ - ----------- ------ -
APPLICATIONS AND LOANS
TO
AMERICAN INDIANS
Program Evaluation Staff
March 1981
TABLE OF CONTENTS
EXECUTIVE SUMMARY
Page
I.
INTRODUCTION
1
II.
FINDINGS AND CONCLUSIONS SUMMARY
3
Findings
4
Applications for Loans - National
4
Applications for Loans - Selected States
4
Loans - National
4
Loans - Selected States
5
Conclusions
6
Charts
"Comparison of Increases/Decreases in
Number of Applications from FY 1977-1979"
and "Comparison of Increases in Number
and Amount of Six Types of Loans Made
from FY 1977-1979"
"Comparison of Applications for, Number
and Amount of Loans to American Indians,
Fiscal Years 1977, 1978, and 1979"
III.
OUTREACH
7
National
7
Selected States
8
IV.
LOANS TO AMERICAN INDIANS
10
National
10
Selected States
11
V.
APPLICATIONS AND LOANS TO
AMERICAN INDIANS
12
National
12
Selected States
12
VI.
PROFILES OF SELECTED STATES
Arizona
13
California
13
Montana
13
New Mexico
14
New York
14
North Carolina
14
North Dakota
15
Oklahoma
15
South Dakota
15
TABLE OF CONTENTS
VII.
APPENDIX
Page
Charts
"Applications of and Loans to American
Indians by Type of Loans, Fiscal Years
1977, 1978 and 1979"
16
"Number and Amount of Loans to American
Indians and to All Borrowers Except
American Indians by Type of Loan"
17
"Profile of State Loans to American
Indians by Type of Loan, Fiscal Years
1977, 1978 and 1979"
Arizona
18
California
19
Montana
20
New Mexico
21
New York
22
North Carolina
23
North Dakota
24
Oklahoma
25
South Dakota
26
"Applications for Loans"
27
"Loans"
29
"American Indian Applications
for Eight FmHA Loans - Total"
32
"American Indian Applications for
Eight FmHA Loans - by Program"
33
"American Indian Applications
for Eight FmHA Loans in Nine
Selected States"
34
"Applications for Initial Loans
Received from American Indians by State"
Arizona
35
California
36
Montana
37
New Mexico
38
New York
39
North Carolina
40
North Dakota
41
Oklahoma
42
South Dakota
43
ii
TABLE OF CONTENTS
Page
"Comparison of Increases in Number
and Amount of Six Types of Loans Made
From FY 1977-1979"
44
"Comparison of Percent of Change in
Amount and Number of Six Types of Loans
to American Indians in Nine Selected States"
45
"Distribution of Loans Made to American
Indians by Six Types"
Arizona
46
California
47
Montana
48
New Mexico
49
New York
50
North Carolina
51
North Dakota
52
Oklahoma
53
South Dakota
54
iii
EXECUTIVE SUMMARY
In the Spring of 1980, Program Evaluation Staff conducted a review
of applications made by American Indians for eight types of Farmers Home
Administration (FmHA) loans (Farm Operating Loans, Emergency Loans, Farm
Ownership Loans, Recreation Loans, Soil and Water Loans, Rural Housing
Loans, Rural Rental Housing Loans, and Labor Housing Loans), over three
fiscal years from 1977 through 1979. A review was also made of the number
of loans and the amount of money loaned to American Indians in six of the
eight FmHA loan programs during the same fiscal years (Rural Rental Housing
and Labor Housing Loans were not included). The purpose of the review was
to determine whether FmHA programs had become more accessible to American
Indians.
The results of these reviews are discussed in this document. In brief,
American Indian applications for the eight loan programs and loans made to
American Indians in the six loan programs increased significantly from fiscal
year 1977 through fiscal year 1979.
In addition, the data for fiscal year 1980 has been included and
analyzed in this summary. That data indicates that the momentum of increased
American Indian applications appears to have lessened during fiscal year
1980, although there were more American Indian applications for the loans in
fiscal year 1980 than in fiscal year 1979. However, the number and amount
of money loaned to American Indians in fiscal year 1980 was 25% greater than
in fiscal year 1979.
FmHA received only 1,449 more American Indian applications for the eight
loan programs in fiscal year 1980 than in fiscal year 1977. This represents
however, a 73.7% increase. More significantly, the American Indian share
of all applications for these loans increased from .49% to .81%. In fiscal
year 1980, 717 more loans were made to American Indians in the six loan
programs than in fiscal year 1977 and $33,041,000 more money was loaned
to American Indians in fiscal year 1980 than in fiscal year 1977. This is
a 71.8 % increase in number and a 167.3% increase in the amount of money
loaned. The American Indian share of the six loan programs increased from
.48% in number to .81% and from .42% in amount of money loaned to .76%.
Clearly, FmHA's efforts to increase American Indian participation in
FmHA loan programs have been successful.
American Indian Applications
for Eight FmHA Loan Programs*
Fiscal Years 1977 Through 1980
Change
FY 1977
FY 1978
FY 1979
FY 1980
FY 1977 - 1980
Number of Applications
1,967
2,551
3,312
3,416
+1,449
Percent of Total
Applications Made
.49
.57
.79
.81
+ .32
Numerical Increase Over
Previous Year
N/A
+584
+761
+104
+1,449
Percent Increase Over
Previous Year
N/A
+29.7%
+29.8%
+3.1%
+73.7%
American Indian Loans
In Six FmHA Programs**
Fiscal Years 1977 Through 1980
Change
FY 1977
FY 1978
FY 1979
FY 1980
FY 1977 - 1980
Number of Loans Made
999
1,703
1,371
1,716
Amount of Money Loaned
$19,754
$37,228
$41,811
$52,795
Numerical Increase/
Decrease from Previous
Year - Loans
N/A
+704
-332
+345
+717
- Funds
+$17,474
+$4,583
+$10,984
+$33,041
Percent Increase/
Decrease from Previous
Year - Loans
N/A
+70.5%
-19.5%
+25.2%
+71.8%
- Funds
+88.6%
+12.3%
+26.3%
+167.3%
American Indian Share
Percent of Total Loans
Made
.48
.65
.61
.81
+.33 (+68.8%)
Percent of Total Money
Loaned
.42
.51
.58
.76
+.34 (+81%)
* Farm Operating Loans, Emergency Loans, Farm Ownership Loans, Recreation Loans,
Soil and Water Loans, Rural Housing Loans, Rural Rental Housing Loans and
Labor Housing Loans.
** Farm Operating Loans, Emergency Loans, Farm Ownership Loans, Recreation Loans, Soil
and Water Loans and Rural Housing Loans.
A REVIEW OF APPLICATIONS AND FmHA LOANS TO
AMERICAN INDIANS FOR FISCAL YEARS 1977, 1978, and 1979
I. INTRODUCTION
The Comptroller General, in a Report to the Congress titled "Sub-
standard Indian Housing Increases Despite Federal Efforts - A Change is
Needed", dated March 31, 1978 (CEC-78-63), recommended "that the Secretary
of Agriculture direct the FmHA Administrator to place greater emphasis on
Indian housing, develop a more effective outreach program, and provide
staff necessary to implement such a program."
FmHA Administrator, Gordon Cavanaugh, in a letter dated December 28,
1977 to Mr. Henry Eschwege, Director, Community and Economic Development
Division, U.S. General Accounting Office, stated:
"In response to this recommendation and in an effort to place more
emphasis on the FmHA Indian outreach program, FmHA will be holding
a 2-day workshop for State coordinators for Indian outreach
activities on February 1 and 2, 1978. The objective is to train
FmHA State coordinators in their responsibilities to make all FmHA
programs more accessible and available to Indians. The coordinators
will receive training in ways and means to assist in the training
of Indian tribes, individuals, and other groups involved in Indian
activities in the packaging and use of FmHA housing loans and
grants. Members of the National Office Rural Housing Staff will
assist with the training activities.
In States having reservations and/or significant Indian populations,
a State housing staff assistant will be designated to work with the
State coordinator of Indian activities and other State FmHA employees
in developing training and procedures for packaging and use of FmHA
housing loan programs for Indians."
In addition, on June 1, 1978, FmHA notified the General Accounting
Office that the FmHA Indian Outreach Program had been formalized by amending
its regulations by adding a new Subpart N to Part 1901, Chapter XVIII,
Title 7, Code of Federal Regulations.
The main thrust of those regulations is to "make all FmHA programs
more accessible and available to Indians living on and off reservations"
and to "increase the production level of FmHA loans and grants going to
American Indians both on and off reservations."
This paper attempts to access the extent to which these objectives
are being met. In conducting this review, two types of FmHA documents
were used:
(1) "Applications for initial Loans Received From Individuals,
By Type of Loan and By Race or Ethnic Group"; and
(2) "Distribution of Loans Made By Six Specified Types By Race
or Ethnic Group."
2
These documents give information by state on:
1
(1) Applications for eight FmHA loan programs
(Operating Loans, Emergency Loans, Farm Ownership Loans,
Recreation Loans, Soil and Water Loans, Rural Housing
Loans, Rural Rental Housing Loans and Labor Housing
Loans); and
(2) Loans made for six FmHA programs 1
(Operating Loans, Emergency Loans, Farm Ownership Loans,
Recreation Loans, Soil and Water Loans and Rural Housing
Loans).
It is understood that this reviw is not an all encompassing rigorous
study, that all FmHA loan programs have not been examined and that American
Indian needs on an area, state or national basis have not been compared to
FmHA loan activity. In addition, only three fiscal years 1977, 1978, and
1979 have been examined. However, this review does give a fairly good
picture of FmHA applications and loan activity with respect to American
Indians on a national basis compared to that of other borrowers as well as
the activity in nine selected states with large American Indian populations.
Emergency Livestock Loans are included in the data used for
Emergency Loans in fiscal years 1977 and 1978. They are
not included in the data identified as Emergency Loans in
fiscal year 1979. The reason for this is that states
inadvertently reported for fiscal years 1977 and 1978
some Emergency Livestock Loans with Emergency Loans. In
fiscal year 1979, the two loans were not co-mingled in the
reports. It is not possible either to delete in fiscal years
1977 and 1978 the Emergency Livestock Loans from the Emergency
Loan totals because they cannot be separately identified in
those years, nor is it possible to include Emergency Livestock
Loans in the fiscal year 1979 data in a meaningful way because
they were not reported by race. However, we do not believe
that the conclusions drawn in this report are significantly
distorted because in fiscal year 1979, very few Emergency
Livestock Loans were made. A total of 97 Emergency Livestock
Loans totaling $14,451,870 were made nationally in fiscal
year 1979, less than .16% in number and less than .7% in
amount of all Emergency Loans made in that year.
Economic Emergency Loans are not included in any of the data
used in this report. These loans were first funded in fiscal
year 1978 and were not reported by race. In fiscal year 1979,
these loans were reported by race nationally and by state.
According to the FY 1979 report, 461,120 loans were made
totaling $2,936,780,000. American Indians received 239 loans
totaling $11,900,000, about .5% in number and .4% in amount
of all loans made.
3
In assessing the extent to which all FmHA programs have become more
accessible and available to American Indians living on and off reservations,
we postulated that accessibility and availability could be measured some-
what by applications. We assumed that if American Indians heard about
FmHA programs and felt that there was a reasonable chance of being helped
by the programs that they would apply for them. This would increase
American Indian applications and indicate increased accessibility and
availability of FmHA programs.
Measuring increased production is more straight forward. Either
more loans were made to American Indians or they were not. However, in
order to get a clearer picture of FmHA applications and loan activity with
respect to American Indians for the past three fiscal years, we looked at
the data on a national level, and by nine selected states. These nine
states were chosen because they received over 75% of all American Indian
applications and over 80% of all FmHA loans to American Indians in the
three fiscal years examined. It was not practical within a short time-
frame to examine all states. The nine states examined were: Arizona,
California, Montana, New Mexico, New York, North Carolina, North Dakota,
Oklahoma and South Dakota.
Method of Review
The data was compared by type of loan nationally and by state
over three fiscal years by:
(1) total numbers,
(2) an actual percent increase or decrease, and
(3) American Indian "share" which is the proportion of all
applications and all loans that were American Indian.
These different methods were used because the number of loans to
American Indians is still very small and although an increase of 200 loans
from one fiscal year to another may seem insignificant, this increase may
represent a very large increase in volume of a particular loan made to
American Indians. In addition, it is important to have a way of measuring
American Indian loan activity to the activity relative to that of other
borrowers. For example, loan activity to American Indians may in fact
have declined from one fiscal year to another but that decline may have
been, in terms of percent, far less than the decline in loan activity
to all other borrowers.
Finally, we used American Indian "share" as a gauge of success or
failure. We recognize the potential danger in assuming that American
Indian need for and consequently receipt of FmHA loans is or should be
equal to the American Indian proportion of the United States or of the state
rural population. Nevertheless, this type of comparison provides the basis
for further attention. If, for example, rural American Indians comprise
14% of a state rural population but receive only 2% of FmHA loans made in
the state, the reason for such a disparity should be examined.
Recognizing then the limitation of this review, we believe that it
will be of interest and provide a "bench mark" against which subsequent
loan and application activity might be measured.
4
II. FINDINGS AND CONCLUSIONS
In order to determine whether American Indian applications and loans
to American Indians have increased, applications made by American Indians
for eight FmHA programs over a three fiscal year period were compared with
applications made for these programs by all potential borrowers and by
all potential borrowers excluding American Indians on a national basis and
by nine states. In addition, loans made to American Indians for six
FmHA programs over a three fiscal year period were compared with loans
made for these programs to all borrowers and to all borrowers excluding
American Indians on a national basis and by nine states. Findings of this
review are discussed below. Specific data supporting the findings and
conclusions are included in the appendix of this report.
Findings
Applications for Loans - National
American Indian applications for eight FmHA programs increased more
than 29% each fiscal year. The total increase from FY 1977-79 was 68.4%
Applications from all potential borrowers and all potential borrowers
excluding American Indians increased on the average 11.85% from fiscal
year 1977 to 1978. They decreased an average of 7.5% from fiscal year
1978 to 1979 and reflected an overall increase between FY 1977-79 of 3.45%.
While the numerical increase in American Indian applications from
FY 1977-79 was small (1,345), as was the increase in "share" of applications
(.3), we believe that these statistics reflect a substantial increase when
compared to the far smaller percentage increase in applications from other
potential borrowers.
Applications for Loans - Selected States
Again, American Indian applications in nine selected states show a
steady increase in both fiscal years 1978 and 1979, (31.8% and 25% res-
pectively). The total increase from FY 1977-79 was 64.7%. The American
Indian "share" in that time period increased 1.43.
Applications from all potential borrowers and all potential borrowers
excluding American Indians in nine selected states increased about half
as much from FY 1977-78 as applications from this source on a national
basis. They declined during the period from FY 1978-79 more than twice
the national rate. Moreover, while applications on a national basis from
all potential borrowers and all potential borrowers excluding American
Indians during the period FY 1977-79 showed an increase of 3.6% and 3.3%
respectively, the experience in nine selected states was a definite decline
in applications of 10.2% and 11.47% for this group of potential borrowers.
Loans - National
The number of loans to American Indians increased from FY 1977 to
FY 1978 by 70.5%. They decreased from FY 1978-79 by 19.5%. An overall
increase of 37.2% from FY 1977-79 was maintained. The American Indian
"share" for this period increased .13.
5
Funds loaned to American Indians increased each year - 88.5% from FY
1977-78 and 12.3% from FY 1978-79 for an overall increase of 111.7% for
the period FY 1977-79. The American Indian "share" of funds increased .16.
The number of loans to all borrowers and to all borrowers excluding
American Indians increased around 27% from FY 1977-78 and decreased 15.2%
from FY 1978-79. The overall increase for both groups from FY 1977-79
was around 7.8% contrasted with an American Indian increase of 37.2%.
Funds loaned to all borrowers and to all borrowers excluding American
Indians increased 57% from FY 1977-78 and decreased 1.5% and 1.3% res-
pectively for the period FY 1978-79. The overall increase during FY
1977-79 was around 54.5%, contrasted with 111.7% increase in funds loaned
to American Indians during the same time period.
Loans - Selected States
The number of loans made to American Indians increased 74.7% from
FY 1977-78 and decreased 24.8% from FY 1978-79. An overall increase of
31.4% for the period FY 1977-79 was maintained.
Funds loaned to American Indians in the nine selected states increased
at the rate of 93.7% from FY 1977-78 and 9.4% from FY 1978-79. The total
increase for the period FY 1977-79 was 111.9%. The American Indian "share",
increased .26 and .18 from FY 1977-78 and 1978-79 with an overall increase
of .44 from FY 1977-79.
Loans to all potential borrowers and to all potential borrowers
excluding American Indians in the nine selected states increased about 32%
from FY 1977-78 and decreased around 29% for the period FY 1978-79. The
overall decrease for both groups was about 6% for the period FY 1977-79.
Funds loaned to all potential borrowers and to all potential borrowers
excluding American Indians in the nine selected states increased over
62.6% in FY 1977-78 and decreased around 1% from FY 1978-79. The increase
maintained by both groups for the period FY 1977-79 was 61.3% and 60.6%
respectively.
The percentage increase in the number of loans and amount of funds
loaned to American Indians during the period FY 1977-79 sharply exceeded
the number of loans and amount of funds loaned to all other borrowers and
to all other borrowers excluding American Indians in the selected states.
The number of loans to all other borrowers declined 6% while the amount
received increased 61.3%. The number of loans to all other borrowers
excluding American Indians declined 6.7% and the amount borrowed increased
60.6%. In contrast, the number of loans to American Indians increased
31.4% and the amount of funds loaned to American Indians increased 111.9%.
6
CONCLUSIONS
It is our conclusion that accessibility and availability of FmHA
loan programs to American Indians, measured in terms of increased
applications by American Indians for these programs, has improved
substantially since FY 1977. In addition, it is clear that the pro-
duction level of FmHA loans going to American Indians since FY 1977 has
increased significantly both in terms of number of loans and amount of
loans.
Comparison of Increases/
Comparison of Increases in
Decreases in Number of
Number and Amount of Six Types
Applications from FY 1977-1979
of Loans Made from FY1977-1979
Potential
Borrowers
Number
Amount
Borrowers
+31.4%
American Indians in
+64.7%
American Indians in
Nine Selected States
Nine Selected States
+111.9%
+68.4%
+37.2%
All American Indians
All American Indians
+111.7%
-6.0%
All Applications in
-10.2%
All Borrowers in
Nine Selected States
Nine Selected States
+61.3%
+7.9%
All Applications
+ 3.6%
All Borrowers in All
Nationwide
Reporting States
+54.7%
-20-10 0 10 20 30 40 50 60 70
-20 0 20 40 60 80 100 120
Percent
Percent
Comparison of Applications for, Number and Amount of Loans
to American Indians Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Applications, Number and Amount of Loans in Each State)
9
8
Number of
Amount of
Applications
Loans
Loans
7
6
5
4
3
2
1
0
FY
77
78
79
77
78
79
77 78 79
77
78
79
77
78
79
77
78
79
77
78
79
77
78
79
77
78
79
AZ
CA
MT
NY
NM
NC
ND
OK
SD
7
III. OUTREACH
National
A goal of the Indian Outreach Program is to make all FmHA programs
more accessible and available to American Indians living on and off
reservations. One way of measuring increased accessibility is to look
at whether or not more applications for loans have been made by American
Indians since the inception of the Indian Outreach Program. We looked
at data for fiscal years 1977, 1978 and 19792/. We found the following:
*
The total number of applications made by American Indians
for eight types of FmHA loans increased both numerically
and as a percent of total applications for these loans from
FY 1977 to FY 1978 and from FY 1978 to FY 1979. (We looked
at percent of total applications because although total
applications by American Indians may have increased, their
total "share" of all applications may have decreased).
*
The numerical increase in applications from American Indians
was substantial. There were 1,967 American Indian applica-
tions for the eight types of FmHA loans in FY 1977. This
increased to 2,551 (+584, +29.7%) in FY 1978 and to 3,312
(+761, +29.8%) in FY 1979. This reflects a 68.4% increase
from FY 1977 to FY 1979. In addition, applications from
American Indians constituted a larger "share" of all appli-
cations for these programs in FY 1979 compared with FY 1977.
In FY 1977, the American Indian share of applications was
.49 of all applications. In FY 1979, the American Indian
share rose to .79 of all applications.
*
The major numerical increase in American Indian applications
was in rural housing loans. Nine hundred forty-eight (79%)
more applications for rural housing loans were made by
American Indians in FY 1979 than in FY 1977. Other large
increases in FY 1979 compared with FY 1977 were applications
for farm operating loans which increased by 227 (78.5%) and
farm ownership loans which increased 101 (84%).
Selected States
American Indian applications of nine states which have a large
American Indian population in rural areas and non-metropolitan places up
to 10,000 persons were reviewed. These states are:
Arizona - Indian population, 83,198, 16.4% of the total
state rural population
California - Indian population, 26,318, 1% of the total
state rural population
2/ Source: "Applications for Initial Loans Received from Individuals,
By Type of Loans and By Race or Ethnic Group During
Fiscal Year."
8
Montana - Indian population, 23,600, 5% of the total
state rural population
New York - Indian population, 9,672, .3% of the total
state rural population
New Mexico - Indian population, 63,977, 14.5% of the
total state rural population
North Carolina - Indian population, 37,828, 1% of the
total state rural population
North Dakota - Indian population, 12,940, 3% of the
total state rural population
Oklahoma - Indian population, 64,212, 6% of the total
state rural population
South Dakota - Indian population, 28,788, 6% of the
total state rural population
American Indian applications for eight FmHA loans in these nine
states increased 31.8% (492) in 1978 compared with 1977, 25% (509) in
FY 1979 compared with 1978 and 64.7% (1,001) in FY 1979 compared with
FY 1977.
In FY 1977, these nine states accounted for 78.65% of all American
Indian applications for the eight types of loans. In 1978, this percen-
tage increased to 79.93%, but in 1979, the share of American Indian
applications in these nine states declined to 76.94% of all American
Indian applications, indicating increased activity and perhaps increased
outreach in other states.
Comparing FY 1979 with FY 1977, the states which experienced the
greatest increase in American Indian applications both numerically and
as a percent of total applications in each state were Oklahoma (+636;
+4.4) and Arizona (+266; +5.8). Montana had 63 more applications and
increased the American Indian share by 3.9. South Dakota increased its
share of American Indian applications by 79 or 3.1. New York was the
only state which had fewer American Indian applications in FY 1978 and
FY 1979 than in FY 1977. Oklahoma showed in the three years an out-
standing increase in American Indian applications. It received 421
(234%) more applications in FY 1978 than in FY 1977 and 215 (36%) more
applications in FY 1979 than in FY 1978.
In FY 1977, only four of the nine states (44%) received applications
from American Indians which were nearly proportionate or exceeded the
American Indian rural population in each state. These states were:
Montana with 5% of the rural population composed of American Indians
which received 4.7% of the total applications in the state from American
Indians; New York where .3% of the rural population was American Indian
9
and which received .7% of all applications from American Indians; North
Carolina with 1% of the rural population composed of American Indians
which received American Indian applications constituting 3.3% of the
total applications in the State; and North Dakota with 3% of the rural
population composed of American Indians which received American Indian
applications constituting 3.3% of the total applications received in
the State. By 1979, South Dakota and Oklahoma joined the four states
reflecting more proportional representation. Oklahoma with 6% of the
rural population composed of American Indians rose from 1.2% American
Indian applications in FY 1977 to 5.6% in FY 1979. South Dakota with
6% of the rural population composed of American Indians rose from 2%
American Indian applications to 5.1% in FY 1979.
It is our conclusion, based upon this data and assuming that
increased applications for FmHA loan programs are an indicator of
increased accessibility of FmHA programs, that the outreach portion of
the Program has been extremely successful.
10
IV. LOANS TO AMERICAN INDIANS
National
A second goal of the Indian Outreach Program is to increase FmHA
loans to American Indians. We looked at six types of loans made to
American Indians in Fiscal Years 1977, 1978 and 1979.3/ These loans
are Operating Loans, Emergency Loans, Farm Ownership Loans, Recreation
Loans, Soil and Water Loans and Rural Housing Loans. We found that:
*
While the number of loans to American Indians increased
from FY 1977 to FY 1978 by 704 or 70.5%, from FY 1978
to FY 1979, the number of loans to American Indians
decreased by 332 or 19.5%. The overall increase from
FY 1977 to FY 1979 was 372 loans or 37.2%.
*
The amount of money loaned to American Indians increased
from FY 1977 to FY 1978 by $17,474,000 or 88.5%, and
from FY 1978 to FY 1979 by $4,583,000 or 12.3%. The
increase from FY 1977 to FY 1979 was $22,057,000 or
111.7%.
*
The American Indian share of the number of all loans made
rose from .48% to .65% from FY 1977 to FY 1978 and
declined to .61% in FY 1979. This reflects a gain from
FY 1977 to FY 1979 of .13 or a 27% increase in the
American Indian share.
*
The American Indian share of all funds loaned rose from
.42% in FY 1977 to .51% in FY 1978 to .58% in FY 1979,
reflecting a gain from FY 1977 to FY 1979 of .16 or a
38% increase in the American Indian share of all funds
loaned.
*
Although the number of loans to American Indians declined
far more from FY 1978 to FY 1979 (-19.5%) than the
national average (-15.2%), the amount of money loaned
to American Indians actually increased (12.3%), contrary
to the national experience which showed a decrease in
the amount of all money loaned (-1.5%).
* From FY 1977 to FY 1979, the number and amount of loans
to American Indians increased 37.2% and 111.7% res-
pectively compared with a 7.9% increase in loans to
all borrowers and a 54.7% increase in funds loaned
to all borrowers in the same time period.
3/ Report Code 891. "Distribution of Loans Made by Six
Specified Types By Race or Ethnic Group."
11
Selected States
We also reviewed the loan activity for the same six loans in the
nine selected states with large American Indian populations. We found
that:
*
The number of loans to American Indians increased by 607
or 74.7% from FY 1977 to FY 1978 and declined by 352 or
24.8% from FY 1978 to FY 1979. 'An overall gain of 255
loans or 31.4% was made between FY 1977 and FY 1979.
The American Indian share or percent of all loans made
in these states increased from 1.69% in FY 1977 to 2.24%
in FY 1978 to 2.37% in FY 1979, reflecting an overall
increase of .68 or 40.3% from FY 1977 to FY 1979.
*
The amount of money loaned to American Indians increased
from FY 1977 to FY 1978 by $14,881,000 or 93.7% and
from FY 1978 to FY 1979 by $2,904,000 or 9.4%. The
overall increase in the amount of money loaned from
1977 to 1979 was $17,785,000 or 111.9%.
The American Indian share of all funds loaned in the
nine states increased from 1.43% in FY 1977 to 1.69%
in FY 1978 to 1.87% in FY 1979, a 30.8% gain.
The 31.4% increase in the number of loans made to
American Indians from FY 1977-79 and the 111.9%
increase in funds loaned to American Indians in
these states compares favorably with the decrease in
the number (-6%) and an increase in the amount of
loans (+61.3%) made in the nine states, and on a
national level where the increase in number of loans
made to all borrowers was 7.9% and the increase in
funds loaned to all borrowers was 54.7%.
In terms of a percent increase in the number of
loans made to American Indians from FY 1977 to FY 1979
in the nine selected states, New York ranked first
with a 100% increase followed by Montana (+74.7%),
Oklahoma, (+64.9%), North Dakota, (+54.3%),
California (+30.7%), North Carolina (+29%), and
Arizona (+3.9%). The number of loans provided
to American Indians by New Mexico declined 5%.
South Dakota's loans to American Indians declined
17.8%. Oklahoma had the greatest numerical increase
(+112).
*
Montana (+244.5%) was the leader in terms of percent
increase in the amount of money loaned to American
Indians but again, Oklahoma was the biggest spender,
increasing its loan activity to American Indians
by $5,189,000.
12
V.
APPLICATIONS AND LOANS TO AMERICAN INDIANS
National
Nationally, as a percent of all applications and generally of all
loans made, American Indians fared best with respect to Farm Operating
Loans. American Indians also received a large share of Emergency Loans,
particularly in FY 1978. Their share of applications for and receipt of
funds for Soil and Water Loans also increased substantially. It should
be noted that Recreation Loans were generally reduced for all borrowers
after FY 1978 and thus the lack of such loans to American Indians after
FY 1978 should not be interpreted as significant.
Selected States
Arizona consistently received increased American Indian Applications
but decreased its number and amount of loans to American Indians as a
percent of all loans in the State. California's American Indian applica-
tions as a share of all applications in the State increased in FY 1978
compared with FY 1977 and then declined in FY 1979. This pattern was
repeated by the number and amount of loans to American Indians. In fact,
as a share of all funds loaned by the State to all borrowers, the
American Indian portion in FY 1979 dropped below that of FY 1977.
In Montana for FY 1977 and FY 1978, the share of applications and
the number of loans to American Indians remained static while funds
declined slightly from FY 1977-78. From FY 1978-79, American Indian
applications almost doubled as a share of all applications and there was
an accompanying sharp increase in the number and amount of loans made to
American Indians.
New York received a far larger share of American Indian applications
in FY 1977 than loans made to American Indians either in number or amount.
But in FY 1979, applications and the number and amount of funds loaned to
American Indians increased somewhat as a total share.
The amount of loans made by New Mexico to American Indians consis-
tently declined while the number of applications declined from FY 1977-78
and then rose to a higher share in FY 1979. The number of loans made
rose in FY 1978, then fell in FY 1979 below that of FY 1977.
Applications, number of loans and amount of loans to American Indians
as a share of all applications, number and amount of loans in North
Carolina all rose in FY 1978 compared with FY 1977, then fell in FY 1979,
but not to the FY 1977 level.
In North Dakota, while the American Indian share of applications fell
in FY 1978 and then rose above FY 1977 in FY 1979, the number and amount
of loans to American Indians rose substantially in FY 1978 and FY 1979,
over the FY 1977 level.
Oklahoma's applications, number and amount of loans all rose from
FY 1977-79. South Dakota had the same experience.
13
VI. PROFILES OF SELECTED STATES
The needs of American Indians in each of the nine selected states
varies from state to state to the extent that a comparison of the activity
of the six loans examined over several fiscal years may not be particularly
meaningful unless examined within the context of American Indian need by
state. Still, we thought that it would be interesting to do a state by state
profile of the loan activity in the nine selected states and to compare it
to the American Indian rural population in each state.
All comparisons in the state profiles that follow are expressed as a
percent of the total number of loans and amount of loans made in the state
or the "American Indian share". The American Indian rural population is
expressed as a percent of the total state rural population.
Arizona
In Arizona, with a rural American Indian population of about 16.4%,
only one type of loan either in terms of number or amount was made in any
fiscal year which met or exceeded what might be the appropriate American
Indian share (16.4%). That was Operating Loans. And, while in fiscal
years 1977-78-79, the number of such loans far exceeded the American Indian
share, it was only in fiscal year 1977 that the amount of money loaned met
or exceeded the appropriate American Indian share. The number and amount
of money loaned to American Indians in fiscal year 1977 for Soil and Water
Loans exceeded 9% of all Soil and Water Loans, but all other types of loans
made to American Indians both in terms of number and amount were less than
one-half of the expected American Indian share. In addition, the number and
amount of all other loans declined each fiscal year with the exception of
Rural Housing Loans which increased slightly each year both in number and
amount.
California
California's American Indian rural population is 1% of total state rural
population. In FY 1979 the number of Operating Loans made to American Indians
exceeded the American Indian share by .3%. However, no other loans in any
fiscal year met or exceeded the American Indian share. Loans for Farm
Ownership were made to American Indians only in fiscal year 1978 and Emergency
loans were made only in fiscal year 1979. No Soil and Water Loans or Recre-
ation Loans were made to American Indians in the three fiscal years examined.
Loans for Rural Housing never exceeded .5% of the total number and amount of
loans made.
Montana
American Indians in Montana received in terms of numbers and/or amount
a larger share than their population might indicate in four of the six types
of loans, although this was true for only two types of loans (Operating Loans
and Farm Ownership Loans) in all three fiscal years. Emergency loans were
particularly strong in FY 1977. Rural Housing Loans were generally less than
the expected American Indian share of 5%.
14
New Mexico
New Mexico, with a rural American Indian population of 14.5% made
only two types of loans to American Indians which exceeded 4.5% of the total
number of loans made. These were Operating Loans and Soil and Water Loans.
No Farm Ownership Loans or Recreation Loans were made to American Indians.
Rural Housing Loans made to American Indians both in terms of numbers and
amount declined each fiscal year. By FY 1979, Rural Housing Loans repre-
sented only .7% of the total number and amount of loans made to the state.
New York
New York has an American Indian rural population of .3% of the state's
total rural population. The number and amount of loans made to American
Indians for Rural Housing showed the greatest increase from FY 1977-79,
rising from .06% and .05% of total to .4% and .5% of the total number and
amount of this type of loan made in the state. Other loans (Operating and
Emergency) began above the American Indian share and declined and some
were not made at all (Farm Ownership, Recreation Loans and Soil and Water
Loans).
North Carolina
with 1% of the American Indian rural population, North Carolina made
four types of loans to American Indians that exceeded 1% either in number
and/or amount of the total number or amount of loans made in the State
within at least one fiscal year. These loans were: Operating Loans in FY
1978; Emergency Loans in FY 1978 and FY 1979; in FY 1977, Farm Ownership
Loans; and in FY 1977 and FY 1978, Rural Housing Loans. No Recreation
Loans were made to American Indians. Soil and Water loans were minimal.
Rural Housing Loans to American Indians declined from 1.2% of all loans
made in the state in FY 1977 to 1.0% in FY 1979.
North Dakota
North Dakota with an American Indian rural population of 3% showed
a great deal of strength both in number and amount of loans made to American
Indians in three types of loans. These loans were: Operating Loans which
in the three fiscal years rose from over 3% to 8.2% of total; Emergency
Loans which rose from 2.2% (amount) to 10% of total; and Farm Ownership Loans
which by FY 1979 were 3.4% of the total funds loaned. Except for Farm
Ownership Loans which declined in FY 1978, the American Indian share of these
loans steadily grew and increased each fiscal year. No Recreation Loans or
Soil and Water Loans were made. Rural Housing Loans grew steadily in number
and amount, reaching 2.4% in number and 2.2% in amount of the total state
share.
Oklahoma
The rural American Indian population is 6% of the total rural population
in Oklahoma. Recreation loans were the only type of FmHA loans of the six
loans examined which were proportionate and in fact exceeded the expected
American Indian share. Generally, the FY 1979 loan activity in terms of loan
15
number and amount exceeded that of FY 1977 with progressive increases each
year in Operating Loans, Emergency Loans and Soil and Water Loans. Rural
Housing Loans at the level of 3.8% (number) and 3.4% (amount) in FY 1979
were the strongest of all six loans in FY 1979, although few such loans
were made in FY 1978. No Recreation loans were made to American Indians
in Fiscal Year 1979.
South Dakota
Six percent of the rural population in South Dakota is American Indian.
Only Operating Loans met or exceeded that percentage. The number and amount
of these loans declined in FY 1978 from FY 1977 (from over 10% of total loans)
and then rose to over 6% in FY 1979. Emergency Loans increased as a total
share each fiscal year. Farm Ownership Loans remained fairly static at
around 1.0 to 1.8% of total. Rural Housing Loans dipped in FY 1978 compared
to FY 1977 and then rose to over 3% in FY 1979. No Soil and Water Loans
were made in FY 1978 or FY 1979. No Recreation Loans were made in any of
the three fiscal years examined.
Applications of and Loans to American I ndians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Applications and Loans)
4
Applications
Loans
3
16
2
1
0
FY
77
78
79
77
78
79
77
78
79
77
78
79
77
78
79
77
78
79
*
OL
EL
FO
RL
S&W
RH
*No applications from American Indians for Recreation Loans for these fiscal years are recorded
in the document "Applications for Initial Loans Received From Individuals, By Type of Loan and
By Race or Ethnic Group".
Number and Amount of Loans to American Indians and to All
Borrowers Except American Indians by Type of Loan
Loans To American Indians
Loans to All Borrowers Except American Indians
Percent
300
Number of
Number of
Loans
Loans
Amount of
Amount of
Loans
Loans
200
17
100
0
-100
Change - FY 1977-1979
Change - FY 1977-1979
OL
EL
FO
RL
S&W
RH
Total
OL
EL
FO
RL
S&W
RH
Total
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Loans Made by Type in State)
Arizona
50
40
Number of
Loans
Amount of
Loans
30
18
20
10
0
FY 77
78
79
77 78 79
77 78 79
77
78
79
77 78 79
77
78
79
Indian
OL
EL
FO
RL
S&W
RH
Population
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Loans Made by Type in State)
California
50
40
Number of
Loans
Amount of
Loans
30
19
20
10
0
FY
77
78
79
77
78
79
77
78
79
77 78 79
77 78 79
77
78
79
Indian
OL
EL
FO
RL
S&W
RH
Population
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Loans Made by Type in State)
Montana
50
40
Number of
Loans
20
Amount of
Loans
30
20
10
0
FY
77
78
79
77 78 79
77
78
79
77
78
79
77 78 79
77 78 79 Indian
OL
EL
FO
RL
S&W
RH
Population
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Loans Made by Type in State)
New Mexico
50
40
Number of
Loans
Amount of
21
Loans
30
20
10
0
FY
77
78
79
77 78 79
77
78
79
77 78 79
77 78 79
77
78
79
Indian
OL
EL
FO
RL
S&W
RH
Population
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Loans Made by Type in State)
New York
50
40
Number of
Loans
22
Amount of
Loans
30
20
10
0
FY
77
78
79
77 78 79
77 78 79
77 78 79
77 78 79
77
78
79
Indian
OL
EL
FO
RL
S&W
RH
Population
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Loans Made by Type in State)
North Carolina
50
40
Number of
Loans
Amount of
ME
Loans
30
23
20
10
0
4
FY
77
78
79
77 78 79
77
78
79
77 78 79
77 78 79
77 78 79 Indian
OL
EL
FO
RL
S&W
RH
Population
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Loans Made by Type in State)
North Dakota
50
40
Number of
Loans
Amount of
24
Loans
30
20
10
0
FY 77 78 79
77 78 79
77
78
79
77 78 79
77 78 79
77
78
79
Indian
OL
EL
FO
RL
S&W
RH
Population
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979 (Shown as a Percent of Total Loans Made by Type in State)
Oklahoma
100f
50
40
Number of
Loans
Amount of
K
25
Loans
30
20
10
0
FY 77 78 79
77 78 79
77
78
79
77
78
79
77 78 79
77 78 79 Indian
OL
EL
FO
RL
S&W
RH
Population
Profile of State Loans to American Indians by Type of Loan
Fiscal Years 1977, 1978 and 1979
(Shown as a Percent of Total Loans Made by Type in State)
South Dakota
50
40
Number of
Loans
Amount of
Loans
26
30
20
10
0
FY
77
78
79
77 78 79
77
78
79
.
77
78
79
77 78 79
77 78 79 Indian
OL
EL
FO
RL
S&W
RH
Population
27
APPLICATIONS FOR LOANS
NATIONAL
American Indians
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+584
+761
+1,345
Percent
+29.7%
+29.8%
+68.4%
Share
+.08
+.22
+.3
All Potential Borrowers
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+48,442
-33,706
+14,736
Percent
+11.9%
-7.4%
+3.6%
All Potential Borrowers Excluding American Indians
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+47,858
-34,467
+13,391
Percent
+11.8%
-7.6%
+3.3%
Share
-.8
-.22
-.3
SELECTED STATES
American Indians
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+492
+509
+1,001
Percent
+31.8%
+25%
+64.7%
Share
+.41
+1.02
+1.43
28
SELECTED STATES
All Potential Borrowers
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+5,758
-14,916
-9,158
Percent
+6.4%
-15.6%
-10.2%
All Potential Borrowers Excluding American Indians
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+5,266
-15,425
-10,159
Percent
+5.95%
-16.44%
-11.47%
Share
-.41
-1.02
-1.43
29
LOANS
NATIONAL
American Indians - Number
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+704
-332
+372
Percent
+70.5%
-19.5%
+37.2%
Share
+.17
-.04
+.13
American Indians - Amount
FY 1977-78
FY 1978-79
FY 1977-79
Amount (000's)
+$17,474
+$4,583
+$22,057
Percent
+88.5%
+12.3%
+111.7%
Share
+.09
+.07
+.16
All Borrowers - Number
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+56,426
-40,089
+16,337
Percent
+27.3%
-15.2%
+7.9%
All Borrowers - Amount
FY 1977-78
FY 1978-79
FY 1977-79
Amount (000's)
+$2,669,401
-$112,808
+$2,556,593
Percent
+57.2%
-1.5%
+54.7%
30
LOANS - NATIONAL
All Borrowers Excluding American Indians - Number
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+55,722
-39,757
+15,965
Percent
+27%
-15.2%
+7.8%
Share
-.16
+.03
+.13
All Borrowers Excluding American Indians - Amount
FY 1977-78
FY 1978-79
FY 1977-79
Amount (000's)
+$2,651,927
+$117,391
+$2,534,536
Percent
+57%
-1.3%
+54.5%
Share
-.08
-.07
-.15
SELECTED STATES
American Indians - Number
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+607
-352
+255
Percent
+74.7%
-24.8%
+31.4%
Share
+.55
+.13
+.68
American Indians - Amount
FY 1977-78
FY 1978-79
FY 1977-79
Amount (000's)
+$14,881
+$2,904
+$17,785
Percent
+93.7%
+9.4%
+111.9%
Share
+.26
+.18
+.44
31
LOANS - SELECTED STATES
All Borrowers - Number
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+15,567
-18,465
-2,898
Percent
+32.4%
-29%
-6%
All Borrowers - Amount
FY 1977-78
FY 1978-79
FY 1977-79
Amount (000's)
+$704,072
-$18,829
-$685,243
Percent
+63%
-1%
+61.3%
All Borrowers Excluding American Indians - Number
FY 1977-78
FY 1978-79
FY 1977-79
Numerical
+14,960
-18,113
-3,153
Percent
+31.6%
-29.1%
-6.7%
Share
+.55
+.13
+.68
All Borrowers Excluding American Indians - Amount
FY 1977-78
FY 1978-79
FY 1977-79
Amount (000's)
+$689,191
-$12,733
+$667,458
Percent
+62.6%
+1.22%
+60.6%
Share
-.26
-.18
-.44
32
AMERICAN INDIAN APPLICATIONS
FOR EIGHT FmHA LOANS - TOTAL
National
Difference
FY 1977
FY 1978
FY 1979
FY 77-79
Number
Number
Number
Number
1,967
2,551
3,312
+1,345
% of Total
% of Total
% of Total
% of Total
Applications
Applications
Applications
Applications
.49
.57
.79
+.3
33
AMERICAN INDIAN APPLICATIONS
FOR EIGHT FmHA LOANS - BY PROGRAM
National
Difference
Program
FY 1977
FY 1978
FY 1979
FY 77-79
% of
% of
% of
% of
Total
Total
Total
Total
#
Applications
#
Applications
#
Applications
#
Applications
erating Loans
289
1%
362
1%
516
1.3%
+227
+.3%
Emergency Loans
331
.8%
467
.8%
394
.8%
+ 63
0
rm Ownership
Loans
120
.4%
103
.3%
221
.6%
+101
.
-.1%
creation
Loans
0
0
0
0
0
0
0
0
il & Water
Loans
24
.4%
17
.4%
31
.9%
+ 7
0
ral Housing
Loans
1,200
.4%
1,590
.5%
2,148
.8%
+948
+.1%
ral Rental
Housing
Loans
2
.2%
9
.7%
1
.1%
- 1
+.5%
bor Housing
Loans
1
.5%
3
1.4%
1
.2%
0
-.3%
TAL
1,967
.49%
2,511
.57%
3,312
.79%
+1,345
+.3%
34
AMERICAN INDIAN APPLICATIONS
FOR EIGHT FmHA LOANS IN NINE
SELECTED STATES
Difference
FY 1977
FY 1978
FY 1979
FY 77-79
% of
% of
% of
% of
Total
Total
Total
Total
Applications
Applications
Applications
Application
#
in State
#
in State
#
in State
#
in State
Arizona
114
3.2%
164
4%
380
9%
+266
+5.8%
Pop: 83,198
(16.4%)
California
16
.5%
76
1.5%
42
.7%
+ 26
+ .2%
Pop: 26,318
(1%)
Montana
141
4.7%
156
4.6%
204
8.6%
+ 63
+3.9%
Pop: 23,600
(5%)
New York
84
.7%
10
.1%
59
.5%
- 25
- .2%
Pop: 9,672
(.3%)
New Mexico
50
1.6%
37
1.2%
52
1.9%
+ 2
+ .3%
Pop: 63,977
(14.6%)
North Carolina
545
1.6%
620
1.9%
477
1.7%
- 68
+ .1%
Pop: 37,828
(1%)
North Dakota
223
3.3%
211
2.7%
245
4.2%
+ 22
+ .9%
Pop: 12,940
(3%)
Oklahoma
180
1.2%
601
4%
816
5.6%
+636
+4.4%
Pop: 64,212
(6%)
South Dakota
194
2%
164
2.2%
273
5.1%
+ 79
+3.1%
Pop: 28,788
(6%)
TOTAL
1,547
1.72%
2,039
2.13%
2,548
3.15%
+1,001
+1,43%
% of Total
Applications
Made by American
78.65%
79.93%
76.94%
Indians in all
Reporting States
35
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
F/T INDIAN COORDINATOR
STATE
ARIZONA
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
OPERATING LOANS (OL)
29
(189)
15.3%
59 (221)
26.7%
45 (227)
19.8%
EMERGENCY LOANS
(6)
10 (285)
3.5%
29 (516)
5.6%
(Initial & Subsequent
FARM OWNERSHIP LOANS
(166)
2 (158)
1.3%
1 (183)
.5%
(FO)
RECREATION LOANS (RL)
(1)
0
(1)
0
0
SOIL & WATER LOANS
3
(37)
8.1%
1 (37)
2.7%
1 (37)
2.7%
(S&W)
RURAL HOUSING LOANS
81 (3,187)
2.5%
91 (3,319)
2.7%
304 (3,226)
9.4%
(RHT
RURAL RENTAL HOUSING
1
(11)
9.1%
1
(15)
6.7
0
(10)
LOANS (RRH)
ABOR HOUSING LOANS
(5)
0
(6)
0
(8)
(LH)
114 (3,602)
3.2%
164 (4,042)
4.0%
380 (4,207)
9.0%
36
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
STATE CALIFORNIA
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
PERATING LOANS (OL)
1
(285)
.4%
1
(385)
.3%
5
(487)
1.0%
EMERGENCY LOANS
(290)
(474)
1 (1,413)
.1%
(Initial & Subsequent
ARM OWNERSHIP LOANS
(255)
(371)
(559)
(FO)
RECREATION LOANS (RL)
(3)
(1)
(5)
SOIL & WATER LOANS
(189)
(97)
(105)
(S&W)
RURAL HOUSING LOANS
15 (2,277)
.7%
75 (3,858)
2.0%
36 (3,550)
1.0%
(RH)
RURAL RENTAL HOUSING
(13)
(14)
(57)
LOANS (RRH)
LABOR HOUSING LOANS
(0)
(0)
(6)
(LH)
16 (3,282)
.5%
76 (5,200)
1.5%
42 (6,182)
.7%
37
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
STATE
MONTANA
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
OPERATING LOANS (OL)
34
(242)
14.0%
25 (248)
10.1%
51 (321)
15.9%
EMERGENCY LOANS
15
(423)
3.6%
52 (932)
5.6%
57
(256)
22.3%
(Initial & Subsequent
FARM OWNERSHIP LOANS
34
(405)
8.4%
28 (322)
8.7%
32 (347)
9.2%
(FO)
RECREATION LOANS (RL)
(3)
(2)
(1)
SOIL & WATER LOANS
8
(145)
5.5%
5 (77)
6.5%
2
(45)
4.5%
(S&W)
RURAL HOUSING LOANS
50 (1,755)
2.9%
46 (1,795)
2.6%
62 (1,395)
4.5%
(RH)
RURAL RENTAL HOUSING
(12)
(9)
(6)
LOANS (RRH)
LABOR HOUSING LOANS
(2)
(5)
(LH)
141 (2,985)
4.7%
156 (3,387)
4.6%
240 (2,376)
8.6%
38
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
STATE NEW YORK
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
OPERATING LOANS (OL)
2
(849)
.2%
(1,088)
5 (1,204)
.4%
EMERGENCY LOANS
1
(781)
.1%
2 (5,554)
.0%
1
(973)
.1%
(Initial & Subsequent
FARM OWNERSHIP LOANS
(672)
(828)
2
(951)
.2%
(FO)
RECREATION LOANS (RL)
(4)
(4)
(3)
SOIL & WATER LOANS
(211)
(177)
(72)
(S&W)
RURAL HOUSING LOANS
81 (9,460)
.9%
8 (8,302)
.1%
51 (8,548)
.6%
(RH)
RURAL RENTAL HOUSING
(23)
(21)
(15)
LOANS (RRH)
LABOR HOUSING LOANS
(2)
(2)
(2)
(LH)
84 (12,002)
.7%
10 (15,976)
.1%
59 (11,768)
.5%
39
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
STATE NEW MEXICO
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
OPERATING LOANS (OL)
13
(185)
7.0%
12
(260)
4.6%
24
(269)
9.0%
EMERGENCY LOANS
14
(131)
10.7%
5
(280)
1.8%
3
(200)
1.5%
(Initial & Subsequent
FARM OWNERSHIP LOANS
(174)
(263)
(250)
(FO)
RECREATION LOANS (RL)
SOIL & WATER LOANS
(62)
1
(50)
2.0%
4
(35)
11.4
(S&W)
RURAL HOUSING LOANS
23
(2,597)
.9%
19
(2,446)
.8%
21 (2,169)
1.0%
(RH)
RURAL RENTAL HOUSING
(3)
(8)
(1)
LOANS (RRH)
LABOR HOUSING LOANS
(LH)
50
(3,152)
1.6%
37 (3,307)
1.2%
52 (2,897)
1.9%
40
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
STATE NORTH CAROLINA
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
OPERATING LOANS (OL)
44 (2,540)
1.7%
64 (1,991)
3.2%
20 (2,011)
1.0%
EMERGENCY LOANS
135 (3,790)
3.6%
222 (5,347)
4.2%
131 (2,673)
5.0%
(Initial & Subsequent
FARM OWNERSHI, LOANS
30 (1,714)
1.8%
(1,376)
23 (1,579)
1.5%
(FO)
RECREATION LOANS (RL)
(13)
(15)
(13)
SOIL & WATER LOANS
(106)
1
(126)
.8%
1
(79)
1.3
(S&W)
RURAL HOUSING LOANS
336 (25,300)
1.3%
333 (24,619)
1.4%
302 (21,510)
1.4%
(RH)
RURAL RENTAL HOUSING
(14)
(31)
(28)
LOANS (RRH)
LABOR HOUSING LOANS
(3)
(3)
(16)
(LH)
545 (33,480)
1.6%
620 (33,508)
1.9%
477 (27,909)
1.7%
41
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
STATE NORTH DAKOTA
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
OPERATING LOANS (OL)
42
(829)
5.1%
44 (1,031)
4.2%
68 (1,180)
5.8%
EMERGENCY LOANS
82 (2,286)
3.6%
80 (3,137)
2.6%
46
(889)
5.2%
(Initial & Subsequent
FARM OWNERSHIP LOANS
16 (1,171)
1.4%
12 (1,209)
1.0%
34 (1,459)
2.3%
(FO)
RECREATION LOANS (RL)
(1)
(2)
SOIL & WATER LOANS
(56)
(18)
(22)
(S&W)
RURAL HOUSING LOANS
83 (2,391)
3.5%
75 (2,473)
3.0%
97 (2,233)
4.4%
(RH)
RURAL RENTAL HOUSING
(30)
(31)
(8)
LOANS (RRH)
LABOR HOUSING LOANS
(0)
(1)
(0)
(LH)
223 (6,763)
3.3%
211 (7,901)
2.7%
245 (5,793)
4.2%
42
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
STATE OKLAHOMA
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
OPERATING LOANS (OL)
16 (1,157)
1.4%
39 (1,042)
3.8%
59 (1,323)
4.5%
EMERGENCY LOANS
2
(476)
.4%
7
(951)
.7%
86 (2,259)
3.8%
(Initial & Subsequent
FARM OWNERSHIP LOANS
13 (1,192)
1.1%
37 (1,230)
3.0%
51 (1,750)
3.0m
(FO)
RECREATION LOANS (RL)
(2)
SOIL & WATER LOANS
(111)
2
(99)
2.0%
2
(70)
2.9
(S&W)
RURAL HOUSING LOANS
147 (12,236)
1.2%
511 (11,856)
4.3%
617 (9,081)
6.8
(RH)
RURAL RENTAL HOUSING
1
(11)
9.1%
5
(55)
9.1%
(9)
LOANS (RRH)
LABOR HOUSING LOANS
1
(1)
100.0%
(9)
1
(10)
10.0%
(LH)
180 (15,186)
1.2%
601 (15,242)
4.0%
816 (14,502)
5.6%
43
APPLICATIONS FOR INITIAL LOANS RECEIVED
FROM AMERICAN INDIANS BY STATE
STATE SOUTH DAKOTA
FY 1977
FY 1978
FY 1979
%* of Total Apps
For Type of
TYPE OF LOAN
NUMBER
LOAN IN STATE
NUMBER
%*
NUMBER
%*
OPERATING LOANS (OL)
66
(561)
11.4%
61 (1,062)
5.8%
134 (1,264)
10.6%
EMERGENCY LOANS
50 (4,996)
1.0%
54 (2,175)
2.5%
3
(295)
1.0%
(Initial & Subsequent
FARM OWNERSHIP LOANS
14
(729)
2.0%
11 (1,049)
1.1%
32 (1,192)
2.7%
(FO)
RECREATION LOANS (RL)
(1)
(2)
SOIL & WATER LOANS
7
(147)
4.8%
(38)
2
(28)
7.2%
(S&W)
RURAL HOUSING LOANS
57 (3,328)
1.7%
38 (2,984)
1.3%
102 (2,562)
4.0%
(RH)
RURAL RENTAL HOUSING
(40)
(48)
(49)
LOANS (RRH)
LABOR HOUSING LOANS
(0)
(1)
(0)
(LH)
194 (9,802)
2.0%
164 (7,359)
2.2%
273 (5,390)
5.1%
44
COMPARISON OF INCREASES
IN NUMBER AND AMOUNT OF SIX TYPES
OF LOANS MADE FROM FY 1977-1979
Borrowers
Number
Amount
American Indians in
Nine Selected States
+31.4%
+111.9%
All American Indians
+37.2%
+111.7%
All Borrowers in Nine
Selected States
-6%
+61.3%
All Borrowers in All
Reporting States
+7.9%
+54.7%
45
COMPARISON OF PERCENT OF CHANGE IN AMOUNT AND NUMBER OF SIX
TYPES OF LOANS TO AMERICAN INDIANS IN NINE SELECTED STATES
Number of Loans
Change
State
FY 77
FY 78
FY 79
FY 77-78
FY 78-79
FY 77-79
Arizona
103
103
107
N/C
+3.9%
+3.9%
California
13
13
17
N/C
+30.7%
+30.7%
Montana
75
133
131
+77.4%
-1.5%
+74.7%
New York
8
8
16
N/C
+100%
+100%
New Mexico
20
34
19
+70%
-44%
-5%
North Carolina
122
408
157
+234.4%
-61.5%
+29%
North Dakota
127
284
196
+123.6%
-31%
+54.3%
Oklahoma
165
211
277
+28%
+31.3%
+67.9%
South Dakota
180
226
148
+25.6%
+34.5%
-17.8%
Total
813
1,420
1,068
+74.7%
-24.8%
+31.4%
Share
1.69
2.24
2.37
+.55
+.13
+.68
Amount of Loans
(000's)
Change
State
FY 77
FY 78
FY 79
FY 77-78
FY 78-79
FY 77-79
Arizona
1,806
2,017
3,729
+11.7%
+85%
+106.5%
California
334
385
842
+15.3%
+118.7%
+152.1%
Montana
1,359
3,717
4,682
+173.5%
+26%
+244.5%
New York
197
216
478
+9.7%
+121.3%
+142.6%
New Mexico
356
306
276
-14.1%
-9.8%
-22.5%
North Carolina
2,414
6,118
3,753
+153.4%
-38.7%
+55.5%
North Dakota
2,371
7,217
6,687
+204.4%
-7.4%
+182%
Oklahoma
3,179
4,646
8,338
+195%
+79.5%
+164.5%
South Dakota
3,905
6,150
4,891
+57.5%
-20.5%
25.3%
Total
15,891
30,772
33,676
+93.7%
+9.4%
+111.9%
Share
1.43
1.69
1.87
+.26
+.18
+.44
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE
ARIZONIA
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
TYPE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(178)
(3,594)
(194) (4,596)
(137) (3,824)
OPERATING (OL)
68
1,019
38.2
28.4
55
493
28
10.7
38
245
27.7
6.4
(6)
(876)
(280)
(24,857)
(685) (106,817)
EMERGENCY (EL)
14
785
5
3.2
20
1,971
3
1.9
(56) (3,451)
(71) (4,090)
(58) (5,729)
ARM OWNERSHIP (FO)
(1)
(8)
RECREATION (RL)
(27) (1,394)
(27)
(808)
(28) (1,708)
SOIL & WATER (S&W)
3
133
11.1
9.6
1
18
3.6
1.1
(1,140)
(22,660)
(1,154)
(22,508)
(1,235)
(26,852)
RURAL HOUSING (RH)
32
654
2.8
2.9
34
739
3
3.3
48
1,495
3.9
5.6
(1,408)
(31,983)
(1,729)
(54,869)
(2,143)
(144,929)
TOTAL
103
1,806
7.3
5.6
103
2,017
6
3.6
107
3,729
5
2.6
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE
CALIFORNIA
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
PE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(340) (6,945)
(390) (8,512)
(316) (10,496)
ERATING (OL)
1
29
.3
.4
1
4
.3
.05
4
65
1.3
.6
(255) (12,968)
(72) (110,330)
4
476(1,756) (425,029)
ERGENCY (EL)
.2
.1
(85) (5,154)
(125) (7,387)
(124) (9,692)
RM OWNERSHIP (FO)
1
53
.8
.7
(3)
(114)
(1) (94)
CREATION (RL)
(54)
(982)
(72) (1,846)
(46) (1,752)
IL & WATER (S&W)
(2,984)
(73,744)
11
329 (2,363) (63,846)
(2,524) (79,251
IRAL HOUSING (RH)
12
205
.4
.3
.5
.5
9
301
.4
.4
(3,721) (99,007)
(3,678)
(192,016)
(4,766)
(526,220
TOTAL
13
344
.4
.3
13
385
.1
.2
17
842
.4
.2
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE
MONTANA
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
PE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(461) (6,550)
(484) (7,100)
41
1,029
(420)
(10,470)
ERATING (OL)
45
352
9.8
5.4
50
504
10.3
7.1
9.8
9.8
(55)
(1,673)
(1,373)
(82,698)
(402)
(30,927)
ERGENCY (EL)
2
308
3.6
18.4
59
2,513
4.3
3.1
49
2,405
12.2
7.8
(142)
(8,296)
(143)
(9,495)
(146)
(12,014)
RM OWNERSHIP (FO)
10
301
7.1
3.6
8
332
5.6
3.5
18
759
12.3
6.3
(1)
(100)
(2)
(95)
CREATION (RL)
(68)
(1,146)
(72)
(1,892)
2
23
(38)
(991)
IL & WATER (S&W)
1
15
1.5
1.3
5
106
7
5.6
5.3
2.3
(905) (22,607)
(808)
(22,151)
(820)
(21,926)
IRAL HOUSING (RH)
17
384
1.9
1.7
11
262
1.4
1.2
21
466
2.6
2.1
(1,631)
(40,272)
(2,881)
(123,436)
(1,828)
(76,423
TOTAL
75
1,359
4.6
3.4
133
3,717
4.6
3.0
131
4,682
7.2
6.1
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE
NEW MEXICO
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
'PE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(243)
(3,361)
(315)
(5,683)
(225)
(6,576)
ERATING (OL)
8
68
3.3
2.0
11
26
3.5
.5
12
130
5.3
2.0
(50) (1,227)
(379)
(17,165)
(236) (19,300)
IERGENCY (EL)
16
92
4.2
.5
(91) (3,802)
(111)
(5,790)
(116) (7,238)
RM OWNERSHIP (FO)
CREATION (RL)
(29)
(37)
(32)
(377)
1
3
(22)
(692)
IL & WATER (S&W)
4.6
.4
(908) (17,174)
7
188
(885)
(18,335)
(926)
(21,763
IRAL HOUSING (RH)
12
287
1.3
1.7
.8
1.0
6
143
.7
.7
(1,321)
(26,035)
(1,722)
(47,351)
(1,525)
(55,569)
TOTAL
20
356
1.5
1.4
34
306
2.0
.7
19
276
1.3
.5
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE
NEW YORK
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
'PE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(960) (14,567)
(948) (17,962)
(732) (21,227)
ERATING (OL)
2
63
.2
.4
1
50
.1
.3
1
4
.1
.02
(772) (19,972)
(5,897)
(174,742)
(1,267) (37,251)
ERGENCY (EL)
3
83
.4
.4
5
147
.08
.08
(222) (8,339)
(260) (10,553)
(298) (14,497)
RM OWNERSHIP (FO)
(3)
(44)
(4) (175)
(2) (71)
CREATION (RL)
(176) (3,368)
(124)
(2,815)
(63) (1,586)
IL & WATER (S&W)
(4,715) (101,213)
(4,491)
(104,137)
,
(4,200)
(100,475)
RAL HOUSING (RH)
3
51
.06
.05
2
20
.05
.02
15
474
.4
.5
(6,848)
(147,503)
(11,724)
(310,383)
(6,562)
(175,088)
TOTAL
8
197
.1
.1
8
216
.1
.1
16
478
.3
.3
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE NORTH CAROLINA
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
(PE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(3,107) (31,973)
(3,145)
(37,912)
(2,711) (43,829)
ERATING (OL)
24
260
.8
.8
49
420
1.6
1.1
20
231
.7
.5
(973) (21,107)
(7,700)
(169,661)
(2,725)
(68,496)
MERGENCY (EL)
8
147
.8
.7
282
4,013
3.7
2.4
71
1,894
2.6
2.8
(498) (13,994)
(456)
(16,788)
(514) (22, 57)
ARM OWNERSHIP (FO)
9
300
1.9
2.1
1
72
.2
.4
4
109
.8
.5
(10)
(449)
(8)
(365)
(6)
(232)
ECREATION (RL)
(98)
(703)
1
1
(124)
(1,048)
(76)
(674)
DIL & WATER (S&W)
.8
.1
(6,678)
(145,564)
(6,641)
(151,355)
,
(6,696)
(156,107
URAL HOUSING (RH)
81
1,707
1.2
1.2
75
1,611
1.2
1.1
62
1,519
1.0
1.0
(11,664)
(213,789)
(18,074)
(377,129)
(12,728)
(291,995
TOTAL
122
2,414
1.1
1.1
408
6,118
2.3
1.6
157
3,753
1.2
1.3
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE NORTH DAKOTA
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
PE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(973) (14,383)
(1,406)
(22.992)
(944) (26,350)
ERATING (OL)
31
449
3.2
3.1
52
832
3.7
3.6
73
2,153
7.7
8.2
(2,107)
(64,333)
(5,748)
(202,088)
(1,041)
(30,266)
ERGENCY (EL)
68
1,435
3.2
2.2
207
5,798
3.6
2.9
81
3,028
7.8
10.0
(419)
(17,702)
(383)
(18,575)
(450) (25,705)
RM OWNERSHIP (FO)
6
103
1.4
.6
3
98
.8
.5
18
884
4.0
3.4
(1)
(69)
CREATION (P.L)
(27)
(723)
(9)
(452)
(15)
(617)
IL & WATER (S&W)
(1,100)
(26,211)
(1,048)
(28,769)
(998) (28,633)
IRAL HOUSING (RH)
22
384
2.0
1.5
22
490
2.1
1.7
24
623
2.4
2.2
(4,626)
(123,352)
(8,595)
(272,945)
(3,488)
(111,572
-
TOTAL
127
2,371
2.7
1.9
284
7,217
3.3
2.7
196
6,687
5.6
6.0
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE
OKLAHOMA
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
PE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(1,488)
(17,759)
(1,692)
(26,809)
(1,116)
(29.937)
ERATING (OL)
24
215
1.6
1.2
43
577
2.6
2.2
38
831
3.4
2.8
(310)
(9,059)
(865)
(59,501)
(3,192)
(155,420)
ERGENCY (EL)
1
13
.3
.2
5
263
.6
.5
97
3,986
3.0
2.6
(508)
(19,444)
(530)
(22,038)
(604)
(29,632)
RM OWNERSHIP (FO)
12
419
2.4
2.2
13
609
2.5
2.8
14
837
2.3
2.8
(1)
(80)
(3)
(135)
(1)
(48)
CREATION (RL)
1
80
100
100
1
11
33.3
8.2
(100)
(1,507)
(95)
(1,213)
(46) (1,027)
IL & WATER (S&W)
1
1
1.1
.1
1
7
2.2
.7
(4,669)
(95,964)
(4,080)
(91,918)
(3,371)
(80,031)
RAL HOUSING (RH)
127
2,422
2.7
2.5
1
148
.03
.2
127
2,677
3.8
3.4
(17,076)
(143,814)
(7,265)
(200,615)
(8,330)
(296,096)
TOTAL
165
3,149
2.3
2.2
211
4,646
3.0
2.3
277
8,338
3.3
2.8
DISTRIBUTION OF LOANS MADE TO
AMERICAN INDIANS BY SIX TYPES
(Includes Initial & Subsequent Loans)
* % of total loans for type
STATE SOUTH DATOKA
given in state.
FY 1977
FY 1978
FY 1979
%*
Amount
of total
TYPE OF LOAN
NUMBER
(000's)
Loans Made
NUMBER
Amount
%*
NUMBER
Amount
%*
(680)
(10,360)
(1,649)
(25,207)
(1,218)
(32,876'
OPERATING (OL)
67
1,119
9.9
10.8
57
852
3.5
3.4
63
2,226
5.2
6.8
(6,969)
(222,931)
(4,498)
(159,008)
(831)
(31,168
EMERGENCY (EL)
75
2,023
1.1
.9
146
4,781
3.3
3.0
34
1,276
4.1
4.1
(410)
(18,847)
(396)
(20,656)
(459)
(27,413)
FARM OWNERSHIP (FO)
6
293
1.5
1.6
4
164
1.0
.8
8
427
1.8
1.6
(2)
(69)
RECREATION (RL)
(135)
(4,847)
(36)
(732)
(18)
(6)
SOIL & WATER (S&W)
4
70
3.0
1.5
(1,619)
(35,153)
(1,426)
(34,834)
(1,314)
(32,414
RURAL HOUSING (RH)
28
401
1.7
1.2
19
353
1.3
1.0
43
962
3.3
3.0
(9,813)
(291,414)
(8,007)
(240,507)
,
(3,840)
(124,52
TOTAL
180
3,905
1.8
1.4
226
6,150
2.8
2.6
148
4,891
3.9
4.0
+@++++++++++++++++++++
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