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Narrative <br /> Based on data received from HUD for the NSP1 and NSP3 programs, the areas of greatest need in the , <br /> City of South Bend were identified as census tracts 6,4, 21, and 5,two of which are located in the Near <br /> Northwest and Near West Side neighborhoods.The City also identified census tracts 19 and 20 as <br /> areas of greatest need based on the data and the foreseen likelihood of foreclosures. <br /> Additionally,the geographic allocation of resources was based upon: ' <br /> • History of the City's focus/redevelopment and support of Community <br /> Development Corporations (CDCs) , <br /> • Areas of need per NSP determinations <br /> • Location of most vacant and abandoned structures ' <br /> • High foreclosure rates (NSP) <br /> • Age of housing stock <br /> • High cost loans (NSP) ' <br /> • Completing the 5-year plan as outlined in the 2015-2019 Housing and Community Development <br /> (HCD) Plan <br /> Mishawaka <br /> Beginning in 2015,the St.Joseph County Housing Consortium opted to fund housing projects in t <br /> Mishawaka by contracting with agencies directly, rather than through the City of <br /> Mishawaka. Subsequently, PY2017 HOME funds were awarded to Habitat for Humanity for the ' <br /> construction of two (2) single-family homes in Mishawaka. <br /> St.Joseph County ' <br /> The St.Joseph County Housing Consortium did not receive any requests for funding in 2017 to serve the ' <br /> unincorporated areas of the County. <br /> 1 <br /> CAPER 10 ' <br /> OMB Control No:2506-0117(exp.06/30/2018) ' <br />