
GOALs REPORT
Growing Opportunities,
Assets, and Leaders
2021
Introduction
2020 was a year unlike any other, and (we hope) will not be replicated any time soon. The human cost of the COVID-19 pandemic has been catastrophic, with more than 3 million people dying worldwide, and well over half a million deaths in the United States. The economic fallout from the pandemic has been no less severe. In Massachusetts, the unemployment rate jumped from 2.9% in March 2020 to over 16% the following month; one year later, it still stands at 6.8%, with many more uncounted.
Sadly, but not surprisingly, the health and economic toll of the pandemic has fallen disproportionately on Communities of Color, starting with the first wave of the pandemic, where an analysis cited in the Boston Globe showed that the mortality rate surged higher in MA cities, towns, and ZIP codes with larger concentrations of poverty, economic segregation, People of Color, and crowded housing. The disproportionate economic disparities persist.
While CDCs responded quickly and creatively to meet the pandemic-related needs of their communities, it is unsurprising that many regular CDC activities were significantly disrupted in 2020. Many CDC construction projects were delayed by construction bans and other disruptions, so much so that 54% of the homes originally projected to come online in 2020 were delayed until 2021. The result is lower than usual housing production totals in this year’s report, and a corresponding reduction in construction jobs and investment dollars. Many regular CDC programs were also disrupted by public health restrictions.
CDCs found new ways to serve the needs of their community’s most vulnerable residents. Forty-four CDCs conducted wellness calls and other efforts to ensure resident and community health and safety, and 42 CDCs assisted with food delivery.
Twenty-six CDCs continued long-standing efforts to support small business entrepreneurs, in old and new ways, helping these entrepreneurs access almost $12 million in Paycheck Protection Program loans and close to $10 million in grants, providing an essential lifeline to these small business owners. To help community residents struggling to pay rent for apartments in the private market, CDCs provided cash assistance totaling $28.2 million in 2020, an increase of $10 million from 2019.
CDCs redoubled their efforts to make their organizations reflective of the communities they serve. In 2020, 36% of senior staff at CDCs were People of Color, up from 29% in 2019, and the number of CDCs hiring racial equity consultants increased by almost 50%.
Some have called CDCs “second responders” to reflect the role they play during a crisis as they help people survive, recover, heal, and rebuild. Never has that been truer than in 2020. While the numbers and stories in this short report cannot tell the full story, we hope they give our readers a sense of how CDCs rose to the occasion during this most difficult and trying of times.

1,043 HOMES Built or Preserved
578
HOMES
Constructed, Rehabilitated, or Preserved
258
HOMES
Provided Home Improvement Loans or Lead Abatement Services
208
HOMES
Provided development consulting or construction management services, or acted as a Court-Ordered Receiver
628
HOMES
Projected to be completed in 2020 were delayed due to construction bans and other disruptions
1,826
HOMES
Homes in the pipeline are on track to be completed in 2021
4,054 JOBS Opportunities Created or Preserved
2,129
JOBS
Provided technical and financial assistance to businesses that created or preserved 2,129 jobs
902
PEOPLE
Helped obtain jobs by strengthening their skills and connection to employers
1,010
JOBS
Provided to local workers in real estate construction projects, and commercial tenants in these projects provided another 13 Jobs
-1,000
CONSTRUCTION JOBS
Delayed completion of homes in 2020 resulted in reduction of more than 1,000 construction jobs
2,900
CONSTRUCTION JOBS
Homes on track to be completed in 2021 will create more than 2,900 construction jobs

2,607 ENTREPRENEURS Provided Technical or Financial Assistance
$30 M
IN LOANS AND GRANTS
Helped local entrepreneurs obtain more than $30 Million in Loans and Grants
3,669
ENTREPRENEURS
Provided training, technical assistance, or lending to Entrepreneurs
67%
INCREASE
The 3,669 entrepreneurs assisted in 2020 represents an increase from 2019
$11.7 M
MILLIONS IN PPP LOANS
CDCs helped entrepreneurs access more than $11.7 million in PPP loans and more than $9.7 million in COVID-related grants
63,359 Families Supported with Housing, Jobs, or Other Services
36,932
FAMILIES
Assisted with housing, or housing-related services
15,690
FAMILIES
Provided economic opportunities to Families
10,737
ELDERS AND YOUTH
Provided services to elders and youth
20
CDCs
Helped renters and homeowners at risk of displacement access emergency cash assistance.
$28M
IN CASH ASSISTANCE TO RENTERS
CDCs provided more than $28 million in cash assistance to renters, a 55% increase from 2019

1,586 Community Leaders Engaged
802
BOARD MEMBERS
784
NON-BOARD AND COMMUNITY LEADERS
7,987
OTHER VOLUNTEERS
$842.6 M Invested in Local Communities
$436.9 M
INVESTED
In real estate and community assets
$372.1 M
INVESTED
To provided services and programs to local communities
$33.6 M
INVESTED
To provide economic opportunities to families
-$240 M
MILLION
Delayed completion of homes in 2020 reduced community investment by more than $240 million.
$700 M
COMUNITY INVESTMENT
Homes on track to be completed in 2021 will generate more than $700 million in community investment.
Coalition for a Better Acre
Coalition for a Better Acre completed the Gerson Building, a 44-unit affordable housing development. Seventy percent of the units were reserved for veterans.
LOWELL, MA
Groundwork Lawrence
Groundwork Lawrence, ACT Lawrence, and Lawrence CommunityWorks teamed up with United Way, the City of Lawrence, and Greater Lawrence Community Action Council to establish the One Lawrence Fund to help those impacted by COVID-19.
LAWRENCE, MA
Revitalize CDC
Under MassHealth's Flexible Services Program, Revitalize CDC's COVID-19 Emergency Response Program served vulnerable members of the community who faced food insecurity and homelessness, allowing them to remain safe and healthy.
SPRINGFIELD, MA
Main South CDC,
in partnership with the Main South Business Association, and MassDevelopment’s TDI Program, helped over 30 small businesses survive the pandemic by providing workshops, technical assistance, and direct funding through a grant program funded by MassDevelopment.
WORCESTER, MA
WATCH CDC
Building on its ongoing housing clinic, WATCH CDC provided $300,000 to 300 Waltham tenants for rent, utilities, food, and other basic needs.
WALTHAM
Housing Assistance Corporation
established the Cape Cod COVID-19 Workforce Housing Relief Fund to provide assistance with past due rent, mortgage payments, and other housing-related expenses for year-round Cape Cod and Island residents who lost income due to COVID-19.
CAPE COD, MA
Island Housing Trust
Island Housing Trust transformed the Clark House B&B into Perlman House - 3 studio, 3 one-bedroom and 1 two-bedroom year-round apartments.
MARTHA'S VINEYARD, MA
The Neighborhood Developers,
through the CONNECT program, established a new hotline for community members in Revere to seek food assistance and other services during the COVID-19 pandemic.
CHELSEA/REVERE, MA
North Shore CDC
North Shore CDC partnered with the North Shore Community Health Center to create a vision for constructing a new health center, and 50 units of affordable rental housing for seniors.
SALEM, MA
Asian CDC and VietAID
Asian CDC and VietAID, with other nonprofit partners, created the Asian Community Emergency Relief Fund to help families and workers impacted by the COVID-19 pandemic.
BOSTON, MA
Homeowners Rehab Inc.
Homeowners Rehab Inc. completed Finch Cambridge, a 98-unit,100% affordable Passive House development. Finch Cambridge meets the highest energy efficiency and sustainability standards and is the largest Passive House building in Massachusetts to date.
CAMBRIDGE, MA
Madison Park Development Corporation's
Train to Trades (MT2T) Program, an online platform to help adult learners gain the basic skills needed for entry-level positions within Boston’s growing construction industry, enrolled 154 people in 2020. The program features hands-on workshops, taught by local MWBE industry professionals.
ROXBURY, MA
NewVue
Eighty-seven community residents graduated from NewVue Communities’ Steward Leadership Development Program, which trains them to assume a meaningful role in their community.
FITCHBURG, MA
Jamaica Plain NDC
Jamaica Plain NDC helped more than 60 businesses access $2M in loans and grants combined, including $1.2M in PPP loans.
BOSTON, MA
GOALs Appendix
Real Estate Development - Commercial - All Projects
Real Estate Development - Housing - All Projects
Real Estate Development - Housing - Completed Projects
Real Estate Development - Open Space - All Projects
Real Estate Development - Open Space - Completed Projects