Household Wealth Habitat Model

 This study analyzed de-identified secondary data from participants who self-identified as African American/Black, was listed as the owner on the deed, was aged 18 years or older, and completed the closing process between January 1, 2014, and December 31, 2021. Using repeated measures of ANOVA statistical analysis, data were examined from 20 Black households from three programmatic collection points: application, program approval, and closing. Statistically significant changes were found in the following primary outcomes: gross monthly income, collections debt, credit scores, and debt-to-income ratio from the time of program application to closing.