NATIONAL COMMUNITY REINVESTMENT COALITION INC
Programs and results
What we aim to solve
Across the country, LMI communities and communities of color have been deprived of meaningful financial investments that have resulted in significant barriers to economic mobility and deep concentrations of asset poverty. LMI families have endured a significant loss of financial investment following the mass exodus of manufacturing and lumber industries making it difficult to rebound economically and spur mobility. Rural communities have continuously struggled to maintain a banking presence and secure financial investments. Additionally, communities of color have historic and ongoing challenges accessing equitable financial services. Without more robust lending and investments, the legacy of redlining, neglect, and structural racism will continue within these communities. These communities are also equally disengaged in the regulatory requirements to hold banks accountable to all areas and all people.
Our programs
What are the organization's current programs, how do they measure success, and who do the programs serve?
Membership
NCRC was formed in 1990 by national, regional and local organizations to increase the flow of private capital into traditionally underserved communities. Today our members include more than 700 nonprofit community development and finance organizations; community organizing and civil rights groups; minority and women-owned business associations; national, state and local housing, economic development, education, media, arts, healthcare and investment organizations; state and local government agencies; faith-based institutions; and committed, hopeful individuals from across the nation.
Policy and Government Affairs
One aspect of NCRC’s mission is to give its members
a strong presence before Congress. Through direct
advocacy, testimony on Capitol Hill, and powerfully
coordinated nationwide actions, this coalition works
together to develop public policy solutions that
promote community wealth building. For example,
NCRC spearheaded the process to stop Congress
from dismantling affordable housing goals that help
millions of people become homeowners.
National Training Academy
NCRC’s National Training Academy is an industry leader in developing the organizational and financial capacity of
local non-profits committed to community development in low- to moderate-income communities. The National
Training Academy offers substantive state-of-the-art training and technical assistance both on-site and via
webinars. The extensive curriculum ranges from courses on the Community Reinvestment Act (CRA), Affirmatively
Furthering Fair Housing (AFFH), fair lending laws, Home Mortgage Disclosure Act (HMDA), Truth in Lending
Act (TILA), the latest in mortgage loans, challenges to unfair lending policies, and effective coalition building.
The National Training Academy coordinates the training programs of the Membership and Policy department,
Financial Equality Center, and the Business Development Division to reach thousands of community development
organizations, housing counselors, and entrepreneurs each year.
EQUITY AND INCLUSION
The Center for Civil Rights (CFCR), the enforcement arm of NCRC, is dedicated to creating public and private sector partnerships and programs that promote racial and cultural equality, opportunity and diversity. It achieves this by increasing multi-cultural dialogue and access, influencing public policy, and developing national models that support healthy and sustainable communities through the
realization and enforcement of our nation’s civil rights laws.
Through the CFCR, NCRC convenes and supports workshops, conferences, investigates civil rights complaints, conducts education and outreach, fair housing planning, and “best practice” compliance initiatives. Additionally, the CFCR sends staff across the country to promote equal housing opportunity and the importance and use of fair housing, civil rights, and lending laws.
Business Development Division
NCRC operates the Small Business Technical Center and the DC Women’s Business Center (DC WBC) that support
business ownership and entrepreneurship. We provide resources for entrepreneurial initiatives in low- and
moderate-income communities, and work with policymakers and financial institutions to increase small business
lending to women, minorities, and low- and moderate-income communities. Our centers provide business consultation and training to entrepreneurs in the greater Washington, DC and New York/Manhattan areas.
DC Women’s Business Center
The DC WBC is managed by NCRC and is funded in part by the Small Business Administration (SBA) to provide training and counseling to women entrepreneurs, especially women who are economically or socially disadvantaged. This is done through one-on-one counseling sessions and dozens of
professional development training courses each year.
The Small Business Technical Center supports the abilities of small businesses to partner, prepare, and pursue state and local government contracts by creating teams of businesses that work together to fulfill government grant requirements.
Housing Counseling Network
NCRC staff and the FEC counsel consumers nationwide through a 24-hour intake hotline (800-475-
NCRC) and on a face-to-face basis through 167 HUD-approved counseling partner organizations that
comprise the FEC. NCRC provides financial support, technical assistance, compliance and related
services to the FEC Partners in 30+ states and the District of Columbia. On a national level, more than
50% of the consumers who received services are low- to moderate-income families.
Services offered:
• Pre-purchase Counseling
• Homebuyer Education
• Full Document File Review
• Mortgage Delinquency and Default Counseling
• Loss Mitigation
• Money Debt Management
• Fair Housing
Client
GROWTH
NCRC, in collaboration with its member organizations and partners in the financial industry, has created the GROWTH (Generating Real Opportunities for Work Through Housing) Initiative, which is investing in single family housing to help address the decline in homeownership among low- and moderate-income (LMI) families and communities of color. This initiative combines workforce training and family financial coaching to help families along the path toward homeownership.
GROWTH is designed to create pathways to homeownership for LMI families and improve property values in LMI communities. The initiative purchases, renovates, and sells homes in LMI neighborhoods or to LMI families through its impact investment-driven fund known as the NCRC Housing Rehab Fund. The program also offers lease-to-own opportunities to those families who can sustain mortgage payments but may not qualify for conventional financing immediately. GROWTH’s initial success has led NCRC to expand its focus to buying, renovating, and either selling or leasing to-own up to 4,000 homes in selected communities across the U.S.
GROWTH is designed to achieve three main objectives:
• Build an inventory of affordable, secure homeownership options for LMI families through targeted investment in their communities.
• Provide housing and financial capability counseling to qualified homebuyers.
• Create construction jobs and workforce apprenticeship opportunities in those communities, as well as provide workforce readiness training.
Community Development Fund, Inc.
The NCRC Community Development Fund, Inc. (CDFI) is a community development loan fund established as an independent affiliate of NCRC. The CDFI is a community development financial institution that measures the success of its investments by financial return and positive social impact to the communities served. The CDFI helps small businesses and emerging entrepreneurs grow and thrive by lending to
historically underrepresented business owners and by pairing our loans with expert consulting services and technical assistance. The CDFI also invests in community development initiatives, and is integral to the GROWTH Initiative’s success.
Small Business Lending
The CDFI works closely with the Business Development Division to provide credit opportunities to our small business clients. Our entrepreneur support programs combine loans with expert consulting services and technical assistance and prepare businesses to apply for micro lending, loans specifically designed to support the new and emerging entrepreneurs mentored and counseled by our business centers.
Just Economy Conference
NCRC’s annual conference is one of the largest national gatherings of community non-profits, policymakers, government officials, small businesses, media, and academia, all focused on how wecan create a more just economy to improve the lives of American families by strengthening access to credit and capital. Each conference offers a broad selection of exciting, cutting edge workshops and plenaries on access to capital and credit, housing, community organizing, policy advocacy, workforce and community development, and business development.
Where we work
External reviews
Our results
How does this organization measure their results? It's a hard question but an important one.
Number of paid participants in conferences
This metric is no longer tracked.Totals By Year
Related Program
Just Economy Conference
Type of Metric
Output - describing our activities and reach
Direction of Success
Increasing
Number of downloads of the organization's materials and explanations
This metric is no longer tracked.Totals By Year
Type of Metric
Context - describing the issue we work on
Direction of Success
Increasing
Context Notes
We have had 398,019 unique users at ncrc.org
Number of training workshops
This metric is no longer tracked.Totals By Year
Related Program
National Training Academy
Type of Metric
Outcome - describing the effects on people or issues
Direction of Success
Increasing
Context Notes
5,200 participants
Total number of grants awarded
This metric is no longer tracked.Totals By Year
Type of Metric
Outcome - describing the effects on people or issues
Direction of Success
Increasing
Context Notes
65 grantees in 16 states for affordable housing, small business development, arts & culture, COVID-19 relief, housing counseling and capacity building initiatives.
Total dollar amount of grants awarded
This metric is no longer tracked.Totals By Year
Type of Metric
Outcome - describing the effects on people or issues
Direction of Success
Increasing
Context Notes
$4.7 million for affordable housing, small business development, arts & culture, COVID-19 relief, housing counseling and capacity building initiatives.
Total number of organization members
This metric is no longer tracked.Totals By Year
Related Program
Membership
Type of Metric
Output - describing our activities and reach
Direction of Success
Increasing
Context Notes
There are 757 organizations within our coalition, in 46 states and Puerto Rico and DC.
Number of low-income families housed in affordable, well-maintained units as a result of the nonprofit's efforts
This metric is no longer tracked.Totals By Year
Related Program
GROWTH
Type of Metric
Outcome - describing the effects on people or issues
Direction of Success
Increasing
Context Notes
GROWTH by NCRC built or rahabbed 138 homes, representing an investment of $40.1 million, and sold 115 homes
Our Sustainable Development Goals
Learn more about Sustainable Development Goals.
Goals & Strategy
Reports and documents
Download strategic planLearn about the organization's key goals, strategies, capabilities, and progress.
Charting impact
Four powerful questions that require reflection about what really matters - results.
What is the organization aiming to accomplish?
NCRC's model for community benefit agreements (CBA) addresses one of the largest hurdles to economic mobility in low and moderate-income (LMI) communities and communities of color: access to capital. This innovative approach secures capital through a community-driven accountability system leveraging the Community Reinvestment Act (CRA) regulatory mandates.
Over the next 5 years, NCRC will aim to complete 15 new CBAs that yield between $2.2 and $9 billion in new capital to LMI communities in several states. Scaling to reach more banks, especially smaller banks, will ensure new capital is reaching more communities and having a deeper impact. The infusion of investments will change the economic landscape of these communities and fuel proven economic mobility programs such as: small business incubators, workforce development programs, down payment assistance, and affordable housing.
What are the organization's key strategies for making this happen?
The most influential way to spur economic mobility in LMI communities is by leveraging regulatory mandates to have banks commit more capital when they seek mergers or when they fail their Community Reinvestment Act (CRA) evaluations. In both circumstances, regulations require banks to outline how they will better serve and support the community. This provides the leverage needed for leaders from LMI communities and communities of color to not only advocate for higher levels of investments but to also guide banks’ investment strategy to match the needs of the community. Institutions, such as banks, can and should leverage their capital to create opportunities for economic
mobility.
What are the organization's capabilities for doing this?
The Catalyzing Investment for Economic Mobility (CIEMO) project is directly aligned with NCRC's history and mission. NCRC was formed in 1990 to harness the collective energies of community organizations from across the country to increase the flow of private capital into low-to-moderate-income (LMI) communities and communities of color. NCRC has over 600-member organizations across the country that we work with to champion fairness in banking, housing, and business. Utilizing our community benefits agreement (CBA) model, NCRC has influenced banks to support more holistic and inclusive investments in LMI communities.
Since 2016, NCRC has helped secure 11 bank CBAs, a codified commitment from a bank to better meet the needs of underserved communities through increased investments, lending, and financial services. These CBAs will direct nearly $160 billion into LMI communities and communities of color over a five-year period- an increase of $12 billion in new private capital, available for homebuyers, entrepreneurs and community services. NCRC works every day for an economy that is inclusive of LMI communities and communities of color. That work begins at home in the values and structure that guides our work. NCRC staff and board are composed of individuals from different races, ethnicities, and religious backgrounds. The board is also composed of grassroots leaders that are located in LMI communities, and communities of color to ensure the organization’s work has a strong impact. NCRC’s CBA model reflects the organization’s belief in a just economy for all people.
What have they accomplished so far and what's next?
The purpose of NCRC is not only to build a movement or an institution but also to make an impact on the lives and communities we serve across the nation. We have facilitated community benefits agreements with financial institutions that committed billions of dollars for lending, investments, and philanthropy in their communities; trained over thousands of people on fair housing laws, fair lending and the Community Reinvestment Act (CRA); purchased or renovated affordable homes, including new construction, in low and moderate-income (LMI) communities or to LMI families (or both) in over 15 markets.
Since 2013, our Housing Counseling Network has successfully passed through over $19,136,847.00 to 100 sub-grantees for housing counseling and financial capability. In the last year alone, our network served more than 9,318 families and 94% of them were LMI. Moving forward, the housing counseling department seeks resources to consistently support organizations in at-risk communities as they prepare, respond and recover from disasters that are natural or otherwise. The department will continue to increase the funding available to these organizations as they work to create innovative and sustainable solutions in direct response to their local needs.
How we listen
Seeking feedback from people served makes programs more responsive and effective. Here’s how this organization is listening.
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How is your organization using feedback from the people you serve?
To identify bright spots and enhance positive service experiences, To make fundamental changes to our programs and/or operations, To identify where we are less inclusive or equitable across demographic groups, To strengthen relationships with the people we serve, To understand people's needs and how we can help them achieve their goals
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Which of the following feedback practices does your organization routinely carry out?
We collect feedback from the people we serve at least annually, We take steps to get feedback from marginalized or under-represented people, We aim to collect feedback from as many people we serve as possible, We take steps to ensure people feel comfortable being honest with us, We engage the people who provide feedback in looking for ways we can improve in response, We act on the feedback we receive
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What challenges does the organization face when collecting feedback?
Financials
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Operations
The people, governance practices, and partners that make the organization tick.
Connect with nonprofit leaders
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- Analyze a variety of pre-calculated financial metrics
- Access beautifully interactive analysis and comparison tools
- Compare nonprofit financials to similar organizations
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Connect with nonprofit leaders
SubscribeBuild relationships with key people who manage and lead nonprofit organizations with GuideStar Pro. Try a low commitment monthly plan today.
- Analyze a variety of pre-calculated financial metrics
- Access beautifully interactive analysis and comparison tools
- Compare nonprofit financials to similar organizations
Want to see how you can enhance your nonprofit research and unlock more insights? Learn More about GuideStar Pro.
NATIONAL COMMUNITY REINVESTMENT COALITION INC
Board of directorsas of 10/05/2023
Robert Dickerson, Jr.
Birmingham Business Resource Center
Matt Hull
Texas Association of CDCs
Moises Loza
Housing Assistance Council
Aaron Miripol
Urban Land Conservancy
Andreanecia Morris
HousingNOLA
Arden Shank
South Bend Heritage Foundation
Bethany Sanchez
Fair Lending Metropolitan Milwaukee Fair Housing Council
Beverly Watts
Tennessee Human Rights Commission
Charles Harris
Housing Education & Economic Development
David Adame
Chicanos Por La Causa
Elisabeth Risch
Housing Opportunities Made Equal in Cincinnati, Ohio
Ernest Hogan
Pittsburgh Community Reinvestment Group
Carol Johnson
City of Austin’s Civil Rights Office
Kevin Stein
California Reinvestment Coalition
Matthew Lee
Inner City Press
Peter Hainley
CASA of Oregon
Robert Dickerson
Birmingham Business Resource Center
Sharon H Lee
Low Income Housing Institute
Will Gonzalez. Esq.
Ceiba
Jean Ishmon
Northwest Indiana Reinvestment Alliance
Catherine Crosby
Mayor's Office, City of Toledo
Irvin Henderson
National Trust for Historic Preservation
Cornell Crews, Jr.
Community Reinvestment Alliance of South Florida
Phyllis J. Edwards
Bridging Communities
Roberto Barrágan
California Community Economic Development Association
Stephen Glaude
Coalition for Non-Profit Housing and Economic Development
Vernice Miller-Travis
WE ACT for Environmental Justice
Organizational demographics
Who works and leads organizations that serve our diverse communities? Candid partnered with CHANGE Philanthropy on this demographic section.
Leadership
The organization's leader identifies as:
Race & ethnicity
No data
Gender identity
No data
Transgender Identity
No data
Sexual orientation
No data
Disability
No data
Equity strategies
Last updated: 04/13/2021GuideStar partnered with Equity in the Center - an organization that works to shift mindsets, practices, and systems to increase racial equity - to create this section. Learn more
- We review compensation data across the organization (and by staff levels) to identify disparities by race.
- We have long-term strategic plans and measurable goals for creating a culture such that one’s race identity has no influence on how they fare within the organization.
- We use a vetting process to identify vendors and partners that share our commitment to race equity.
- We have community representation at the board level, either on the board itself or through a community advisory board.
- We help senior leadership understand how to be inclusive leaders with learning approaches that emphasize reflection, iteration, and adaptability.
- We engage everyone, from the board to staff levels of the organization, in race equity work and ensure that individuals understand their roles in creating culture such that one’s race identity has no influence on how they fare within the organization.