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Ada LingJun Peng 304066118 2012 Fall GIS FINAL PROJECT. HOUSING FORECLOSURE IN LOS ANGELES COUNTY: Need for Prevention and Assistance at the Local Level. Outline. Research Background and Question Data Collection and Sources Maps and Skills utilized Major Findings. Research Background.
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Ada LingJunPeng 304066118 2012 Fall GIS FINAL PROJECT HOUSING FORECLOSURE IN LOS ANGELES COUNTY: Need for Prevention and Assistance at the Local Level
Outline • Research Background and Question • Data Collection and Sources • Maps and Skills utilized • Major Findings
Research Background • U.S. housing foreclosure crisis from 2007 to 2009: huge direct and indirect financial and social impacts • Main causes: Deregulation of mortgage loans, high percentage of high risk lending Reform Fannie Mae and Freddie Mac, Neighborhood Stabilization Program (NSP) and etc. • Micro level: homeowners and renters, neighborhoods and communities • Need and capacity at the local level in terms of preventing foreclosures, providing assistance and mitigating the impacts of relevant households • Urban spatial structure: the complex relationship among the locations of population, economic and social characteristics and activities (such as housing, racial diversity and employment experience), physical networks, and etc.
Research Question • Do the existing housing counseling agencies in Los Angeles County have a good service coverage? What is the next step? • Identify areas that need most help in terms of prevention and assistance • Propose optimal locations for additional counseling agencies • Examine social, economic and demographic data of the new service area to provide insights on designing the services provided and staffing of the new agencies
Study area: LA County Foreclosure data • estimated_number_foreclosures estimated count of foreclosure starts over 18 months from Jan 2007 through June 2008. • estimated_foreclosure_rate - number of foreclosure starts divided by number of mortgages times 100. • Mortgage Bankers Association National Delinquency Survey, estimated by the HUD model • *Original Data
Existing Housing Counseling Agencies Serving LA County • Operation Hope,INC (English, Spanish) • Shalom Center for T.R.E.E. of Life (English Only) • NID-HCA (English Only) • West Angeles Community Development Corp. ( English.) • East Los Angeles Community Corporation (ELACC) (Spanish) • Korean Churches for Community Development (Korean) • Los Angeles Neighborhood Housing Services (English, Spanish) • ClearPointCredit Counseling Solutions (English, Spanish) • New Economics For Women (English, Spanish) Source:http://housing.lacounty.gov/ForeclosureResources.html *original data
Demographic characteristics • Racial Majority Index • Majority defined as the group having the largest percentage of total population • White alone • Asian-Pacific Islander alone • Black alone • Hispanic • Having two or more races • Some other race alone
Social economic characteristics in relation to # of foreclosures • Index of “the Needy” • Percent of families below poverty line-- 50% • Percent of population having less than high school education-- 50%
Need Index Proposed new locations • Problem: • Find the most suitable location for additional housing counseling centers • Parameters : (equal weight) • Supply: Far from existing centers • Needs: # of foreclosures • Indexof the Needy (social, economic factors) • Identify the area with the greatest need for additional housing counseling agencies
Need Index Proposed new locations • Located the detailed locations based on geographic information in the top 2 hot spot areas
Model & Hot Spot Analysis • Build model Convert to Raster Index and Reclassify Weight and Index Hot spot analysis
Network analysis—Service Area Analysis • Use Geocodingto place the proposed 2 new locations • Use Service Area Analysis to determine the new service area within 15 and 30 minutes drive
Look at the detailed demographics…. • Relatively young with a mean age around 30 • More female • Majority White and Hispanic • ~ 10 to 30% foreign born
Main Findings • Huge spatial disparity in terms of the locations of housing counseling agencies in LA County • Severe need for additional agencies in Lancaster and Palmdale • Social, economic and demographic data provides great insights on the design for new agencies. • Implications: provide both Spanish and English, online services, legal assistance and etc.