Also by Reinvestment Fund

Research & Publications

Early Learning Supply & Demand in the District of Columbia
Published 2018

A new analysis commissioned by the Bainum Family Foundation and conducted by Reinvestment Fund provides the first comprehensive look at what the District of Columbia has, and what it lacks, in terms of early learning capacity and quality — and which parts of the community are most affected by existing gaps.

This information — especially when considered with other local data, such as Early Development Instrument (EDI) outcomes for District children — is designed to help policymakers, funders, providers and advocates make data-informed decisions about where resources and interventions are needed most. It also can help parents understand local early learning options and make the best decisions for their families.

2018 Update of the Limited Supermarket Access Analysis
Published 2018

Despite gains over the past decade, limited access to healthy food continues to affect urban and rural communities across the United States. Financing the construction of new supermarkets and the expansion of existing stores is one of the primary strategies to increase access to sources of healthy food in underserved communities. Reinvestment Fund’s Limited Supermarket Access (LSA) analysis is a tool to help investors and policymakers identify areas across the 48 contiguous United States and the District of Columbia that have both inadequate and inequitable access to healthy food and sufficient market demand for new or expanded food retail operations.

Reverse Mortgages in Philadelphia: Lending Patterns, Foreclosures & Homeowner Experiences
Published 2018

From 2009 through 2016, Philadelphia was one of the most active reverse mortgage lending markets in the nation. With support from the City of Philadelphia, Reinvestment Fund collected and analyzed data on the frequency, terms and geographic distribution of reverse mortgages. This lending analysis was supplemented with in-depth interviews conducted with Philadelphia homeowners, and their heirs, who obtained a reverse mortgage and subsequently experienced a foreclosure – something they never thought possible. Interviews focused on borrowers’ experiences, from the moment they first contemplated a reverse mortgage through the point that they experienced a foreclosure filing, and then through the resolution of that foreclosure process. This work is part of a larger investigation into the potential fair housing implications of reverse mortgage lending in the Philadelphia metropolitan area.

Childcare Analysis for Metro Atlanta
Published 2018

High-quality early care and learning supports positive development and helps prepare children for success in school and beyond. Quality child care is also critical for families, as it allows parents to maintain employment. With support from the Richard W. Goldman Family Foundation and the JP Morgan Chase Foundation, Reinvestment Fund conducted a study of the supply of and demand for child care in the five-county metro Atlanta region (Clayton, Cobb, DeKalb, Fulton, and Gwinnett counties).

In addition, an interactive web based tool was created to present the results of this analysis, accessible at www.atlaccessmap.org. The analysis and mapping tool complement existing tools and initiatives in the region to increase access to high-quality child care. With this information, funders, practitioners, and advocates can make data informed decisions about where resources and interventions are needed most.

Estimating Changes in the Supply of and Demand for Child Care in Philadelphia
Published 2018

In 2014, with support from The William Penn Foundation, Reinvestment Fund conducted an initial analysis of the supply of and demand for child care in Philadelphia to identify areas of the city where targeted investments could help address shortages of high-quality child care. Now in its third update, Reinvestment Fund’s 2017 childcare analysis provides updated estimates to track the change over time in the supply of, demand for, and shortages in child care.  This report presents the results of descriptive and spatial analyses of the child care landscape in Philadelphia in 2017. It details both short- and long-term changes in the supply of, demand for, and gaps in care; the year-to-year changes from 2016 to 2017, as well as shifts since the first analyses were conducted in 2014.

Mortgage Lending in Philadelphia — Key Take-Aways from the 2016 Home Mortgage Disclosure Act Data Release
Published 2018

Each year, lending institutions across the country report their mortgage lending activity under a law known as the Home Mortgage Disclosure Act (HMDA). Enacted by Congress in 1975 and amended several times since, HMDA data are a critical resource to understand how dollars flow into communities to support home purchasing, refinancing mortgages, or making home improvements. Regulators use HMDA for various purposes, which include assessments of lenders’ community reinvestment obligations and adherence to civil rights laws.

The 2016 HMDA data were recently released providing an opportunity to look at the local mortgage lending environment – trends in loan volume, the kinds of loans being made, where loans are made, how efficiently different groups can access credit, what entities purchase the home loans once made, and what lenders are originating mortgages in Philadelphia.

Understanding How Changes to Keystone STARS Ratings Will Affect Gaps in the Supply of High-Quality Child Care
Published 2017

Since 2014, Reinvestment Fund has conducted an annual analysis of the gap between the supply of and demand for high-quality child care in Philadelphia. In June 2017 Pennsylvania’s Quality Rating and Improvement System (QRIS), Keystone STARS, initiated changes to the standards for childcare providers across the state.

Reinvestment Fund presents an overview of the changes to the Keystone STARS rating system that may impact the childcare gap analysis, and models how these changes could impact the estimated gap in supply and demand for high-quality child care.

Assessing the Relationship Between School Quality and Home Prices Across the Keystone State
Published 2017

For families, schools play an important role in residential decisions. This study examined the relationship between home values and school performance to measure the way schools contribute to home prices in Pennsylvania.

Estimating the Supply of and Demand for Early Childhood Education in Passaic County, NJ
Published 2017

In 2016, Reinvestment Fund conducted a study of the supply of and demand for early childhood education (ECE) in Passaic County, NJ. Adapting a methodology developed for a 2014 study of child care in Philadelphia, the study results for Passaic County, NJ suggest that over half of all ECE (57%) is provided in state licensed childcare centers, and 27% is provided in high-quality centers. With support from the Nicholson Foundation and Taub Foundation, Reinvestment Fund created an interactive web-based tool to present the results of this analysis, accessible at www.passaiccountychildcaremap.org.

Philadelphia’s Middle Neighborhoods: Demographic and Market Differences by Race, Ethnicity, and Nation of Origin
Published 2017

Middle neighborhoods are neither the poorest nor the wealthiest neighborhoods in a city, typically experiencing neither precipitous decline nor rapid appreciation. In many cities, they account for a significant share of residents and are reasonably affordable to middle income households. This research brief examines conditions and trends in Philadelphia’s middle neighborhoods differentiated by their racial, ethnic, and national origin makeup. A deeper understanding of the dynamics at play in different types of middle neighborhoods can help guide policy and investment approaches to shore up the inherent strength in these areas, and also head off decline that could potentially diminish not only residents’ financial health and neighborhood quality of life, but also Philadelphia’s overall wellbeing.

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