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' 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 <br /> Mishawaka by contracting with agencies directly, rather than through the City of <br /> ' Mishawaka. Subsequently, PY2018 HOME funds were awarded to Habitat for Humanity for the <br /> construction of three (3) single-family homes in Mishawaka. <br /> St.Joseph County <br /> The St.Joseph County Housing Consortium did not receive any requests for funding in 2018 to serve the <br /> unincorporated areas of the County. <br /> I <br /> 1 <br /> 1 <br /> ' CAPER 11 <br /> OMB Control No:2506-0117(exp.06/30/2018) <br />