Housing Counseling Process Evaluation and Design of ... - HUD User

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Exhibit 7-1. Source of Client Referrals (Share of Agencies reporting source as one of three most important sources of referrals) Type of Education or Counseling Homebuyer education workshops (N=775) Post-purchase homeowner workshops (N=241) Predatory lending workshops (N=116) Assistance on fair housing issues (N=200) Pre-purchase homebuyer counseling (N=829) Post-purchase homeowner counseling to resolve or prevent mortgage delinquency (N=565) Counseling related to Home Equity Conversion Mortgages (N=924) Post-purchase counseling regarding mortgage refinancing (N=293) Counseling related to locating, securing or maintaining residence in rental housing (N=467) Counseling related to shelter or services for the homeless (N=211) Average All Services Word-ofmouth 73% Through Agency or HUD Web Site 44% Outreach or Marketing 50% Referral from Nonprofit Organization 22% Referral from Financial institution 50% Referral from Government Agency 17% 63% 43% 56% 30% 31% 18% 62% 48% 53% 35% 22% 16% 61% 52% 47% 40% 5% 22% 70% 49% 46% 22% 47% 16% 54% 70% 30% 31% 42% 20% 46% 68% 24% 22% 69% 13% 62% 52% 34% 26% 39% 16% 79% 38% 33% 53% 5% 31% 76% 65% 23% 49% 32% 41% 61% 34% 2% 31% 35% 20% Source: Abt Associates survey of HUD-approved counseling agencies. Chapter 7. Client Characteristics and Outcomes 99
Characteristics of Counseling Clients Race and Ethnicity In 2007, 1.7 million individuals received housing counseling services through HUD-approved counseling agencies. As shown in Exhibit 7-2, 54 percent of counseling clients are white, 36 percent are black or African American, 5 percent are another race, and 6 percent are two or more races. About one fifth of counseling clients are Hispanic. The racial and ethnic composition of counseling clients has remained stable over the past five years, with none of the categories changing by more than a percentage point between 2003 and 2007. Compared to the U.S. population as a whole, counseling clients are substantially more likely to be non-white and somewhat more likely to be Hispanic. Exhibit 7-2. Race and Ethnicity of Counseling Clients in 2007 Percent of Percent of U.S. Counseling Clients Population Race White 54% 80% Black or African American 35% 13% Asian 3% 4% American Indian/Alaskan Native 1% 1% Native Hawaiian or Other Pacific Islander 1% 0% Two or more races 6% 2% Ethnicity Hispanic 19% 15% Not Hispanic 81% 85% Source: Abt Associates tabulations of HUD 9902 data and U.S. Census 2007 population estimates. Note: Based on data submitted by 1,631 agencies. Overall, 49 percent of the agencies surveyed serve a client population that is predominantly non-white (i.e., 50 percent or more of clients are some race other than white) and 51 percent serve a client population that is predominantly white (Exhibit 7-3). Exhibit 7-3. Distribution of Agencies by Share of Non-white Clients Less than 25% of clients are non-white 25% to less than 50% of clients are non-white 50% to less than 75% of clients are non-white 75% or more of clients are non-white Total Percent of Agencies 33% 18% 20% 29% 100% Source: Abt Associates tabulations of HUD 9902 data linked to data from the counseling agency survey. Note: Based on survey responses of 1,102 agencies. 100 Chapter 7. Client Characteristics and Outcomes
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2 0 0 8 R e p o r t The State of th
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The State of the Housing Counseling
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Table of Contents Executive Summary
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List of Exhibits Exhibit 1-1. Exhib
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Exhibit 5-9. Exhibit 5-10. Exhibit
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Exhibit 8-10. Exhibit 8-11. Exhibit
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channeled through NeighborWorks ®
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How is housing counseling funded an
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counseling services from HUD-approv
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Current Challenges Facing the Indus
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standards are sufficient. Support f
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Ideally, intermediaries, SHFAs, and
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Chapter One. Introduction In 2007 3
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Exhibit 1-1. Topic Study Topics and
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Grant Applications Data The final s
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helping clients evaluate whether to
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Section 221 and 235 programs, that
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clients nearly doubled each year. A
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associated with increases in overal
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This last point highlights the fact
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Exhibit 2-6. Intermediaries and SHF
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Exhibit 2-8 maps the location of ea
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Key Challenges for the Industry The
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Chapter Three. Characteristics of C
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credit counseling responded to the
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Exhibit 3-4. Counseling Specializat
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Exhibit 3-6. Services Offered by HU
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Age of Organization and Housing Cou
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Agency Size Most housing counseling
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Exhibit 3-13. Distribution of the N
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Chapter 3. Characteristics of Couns
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Chapter Four. Intermediaries and St
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Organization Name Organization Type
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Exhibit 4-2. SHFAs Receiving HUD Ho
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Exhibit 4-3. Percent of LHCAs Recei
Page 76 and 77: National Credit Union Foundation (N
Page 78 and 79: Several organizations commented tha
Page 80 and 81: Exhibit 4-6. National Certification
Page 82 and 83: SHFAs provide some type of curricul
Page 84 and 85: allow counseling agencies to accept
Page 86 and 87: Chapter Five. Sources of Agency Fun
Page 88 and 89: Exhibit 5-1. Share of Total Funding
Page 90 and 91: Not surprisingly, the number of sou
Page 92 and 93: The next most common types of fundi
Page 94 and 95: Exhibit 5-7. Prevalence of Primary
Page 96 and 97: HUD’s strategy of spreading its a
Page 98 and 99: amount of available funding decline
Page 100 and 101: Our estimate includes all types of
Page 102 and 103: specialized training required for t
Page 104 and 105: Chapter Six. Characteristics of Edu
Page 106 and 107: the client with lenders. The follow
Page 108 and 109: approaches are identified as using
Page 110 and 111: Exhibit 6-4. Share of Clients by Ho
Page 112 and 113: while 24 percent conduct an informa
Page 114 and 115: financial literacy curriculum, focu
Page 116 and 117: Counseling to Resolve Mortgage Deli
Page 118 and 119: Exhibit 6-11. Share of Delinquency
Page 120 and 121: Forms of Assistance for Mortgage De
Page 122: counseling, and 20 percent have no
Page 125: “Funds for administrative respons
Page 129 and 130: With respect to ethnicity, 19 perce
Page 131 and 132: Exhibit 7-7. Income Distribution of
Page 133 and 134: Exhibit 7-9. Percent of Agencies wh
Page 135 and 136: who purchased homes. Some agencies
Page 137 and 138: • Clients seeking pre-purchase ho
Page 139 and 140: Exhibit 7-12. Outcomes for Clients
Page 141 and 142: Exhibit 7-13. Outcomes for Clients
Page 143 and 144: engaged in counseling at the time o
Page 145 and 146: To some extent, agencies with diffe
Page 147 and 148: ace, and 6 percent are two or more
Page 150 and 151: Chapter Eight. Characteristics of H
Page 152 and 153: Combining the counseling agency sur
Page 154 and 155: Exhibit 8-6. Race and Ethnicity of
Page 156 and 157: Exhibit 8-8. Educational Attainment
Page 158 and 159: Exhibit 8-10. Main Sources of Train
Page 160 and 161: scholarships, but primarily to its
Page 162 and 163: Exhibit 8-12. Significance of Staff
Page 164 and 165: The open-ended responses to the sur
Page 166: share of counselors with four-year
Page 169 and 170: NeighborWorks® foreclosure mitigat
Page 171 and 172: Although these changes have allowed
Page 173 and 174: Standardizing the Quality of Counse
Page 175 and 176: national counseling standards shoul
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Exhibit 9-2 shows the percent of ag
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discourage smaller agencies from pa
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communication between counselor and
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Increasing Funding for Housing Coun
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Of the 60 intermediaries and SHFAs
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Some of the ways that HUD could sup
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agencies who serve younger clients
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Exhibit A-1. List of Organizations
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Appendix B. Survey of HUD-Approved
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Survey Response Rate The survey fie
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Exhibit B-2. Response Rate by Agenc
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Survey of HUD-Approved Housing Coun
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Contact Information Please complete
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Homebuyer education workshops Post
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6. How many years has your organiza
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10. How many part-time employees ar
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Title/Position Percentage of time s
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PROGRAMMING NOTES: • PROGRAM SO T
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Section C. Organizational Relations
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Organization American Association o
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SOURCE OF FUNDING Foundations Natio
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Education or Counseling Service Pro
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30. What, if any, follow-up (by “
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PROGRAMMING NOTE: PROGRAM SO THAT Q
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38. Of your clients seeking counsel
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42. How problematic are the followi
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PROGRAMMING NOTES: • SHOW ALL SUR
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