NeighborWorks Umpqua

What NeighborWorks Umpqua does

NeighborWorks Umpqua (legal entity: Umpqua Community Development Corporation) is a private rural non-profit founded in 1995 and headquartered in Roseburg, Oregon, operating as part of the congressionally chartered NeighborWorks America network. The organization delivers an integrated portfolio of housing, financial education, and resident support services to low- and moderate-income households across Coos, Curry, Douglas, Josephine, and Lane Counties in Southern Oregon. Core offerings include over 600 owned and managed affordable rental units (serving seniors aged 62+, veterans, families, and individuals with disabilities), HUD-certified foreclosure intervention counseling, home buyer and financial literacy classes, down payment assistance, one-on-one financial coaching, and the Dream$avers IDA matched savings program offering a 5-to-1 match (up to $9,000 on $1,800 saved). The 2024 launch of Health Related Social Needs (HRSN) extends the service line into Oregon Health Plan non-medical services, and a partnership with Nesterly.com adds a homesharing channel.

The business model is non-revenue-maximizing by design. All counseling, coaching, and education services are provided free of charge to eligible residents, and rental rates are set at federally defined affordable levels. Operating revenue is sourced primarily from a diversified mix of grants and contracts: federal funding through HUD, state funding through Oregon Housing and Community Services and Business Oregon, and private foundation grants from the Ford Family Foundation, Meyer Memorial Trust, Oregon Community Foundation, Collins Foundation, and corporate funders including Wells Fargo Foundation, Umpqua Bank, and Banner Bank. Rental income from the owned portfolio provides a secondary, capped revenue stream. Go-to-market is community-rooted: referrals from financial institution and government agency partners, direct outreach at community events (e.g., Blocktober Fest), a website (nwumpqua.org), and Facebook events page, with no paid digital acquisition strategy.

Technology is intentionally minimal. There is no proprietary platform. The stack consists of third-party tools: Rent Café for tenant payments and maintenance requests, JotForm for program applications and waitlists, and the Nesterly.com platform for homesharing. Headcount is 51-100 employees, led by CEO Erica Mills and a board chaired by Elena Lininger, with regional offices in Roseburg and North Bend and an affiliated operating entity, Heartwood Resources, providing workforce development services.

Name

NeighborWorks Umpqua

Legal name

Umpqua Community Development Corporation

Website

https://nwumpqua.org

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

NeighborWorks Umpqua is a rural Oregon non-profit providing affordable rental housing (600+ units), HUD-certified financial counseling, and matched savings programs to low- and moderate-income residents of Southern Oregon.

Ownership category

akta.pro rank

Product category

Community Development and Affordable Housing Services

NAICS

Other Community Housing Services (624229), Other Residential Care Facilities (62399), Other Residential Care Facilities (623990)

SIC

Services-Social Services (8300), Services-To Dwellings & Other Buildings (7340)

akta.pro primary industry

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC)

akta.pro secondary industries

Affordable/Subsidized Independent Living (HUD/LIHTC) Communities (HLADAAAB), Rural, Tribal & Special-Population Housing Programs (FSALAKAL)

Keywords

• Affordable rental housing
• Housing counseling services
• Financial literacy education
• Matched savings programs
• Community development

Headquarters

HQ city

Roseburg

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others, Technology or R&D

Revenue model

1. Grant Funding: NeighborWorks Umpqua operates as a non-profit community development organization. The primary revenue stream is grant funding from federal, state, and local government agencies, as well as foundation grants from organizations such as Oregon Housing and Community Services, U.S. Department of Housing and Urban Development, The Ford Family Foundation, and Meyer Memorial Trust.
2. Affordable Rental Housing Operations: The organization owns and manages over 600 units of affordable rental housing in Douglas, Coos, and Lane Counties. Rental income from these properties contributes to operational revenue, with rents set at affordable levels for qualifying residents.

Distribution channels5 records

Marketing channels6 records

Core offering

NeighborWorks Umpqua is a private rural non-profit that delivers affordable rental housing together with free HUD-certified housing counseling, homebuyer and financial literacy education, a 5-to-1 matched Individual Development Account (Dream$avers IDA), down payment and home repair assistance, foreclosure intervention counseling, and resident services for seniors, veterans, families, and individuals with disabilities in Southern Oregon.

Product overview

NeighborWorks Umpqua is a private, rural non-profit organization offering an integrated portfolio of housing, community, and financial programs across Coos, Curry, Douglas, and Josephine Counties in Oregon. The organization operates three interconnected service areas: (1) Home Buyer & Financial Literacy Programs including Home Buyer Class/Coaching, Financial Literacy, Down Payment Assistance, and One-on-One Financial Coaching; (2) Matched Savings Programs centered on the Dream$avers IDA with 5-to-1 matching for goals like home purchase, education, and vehicle; and (3) Rental Housing & Programs managing over 600 affordable rental units across Douglas, Coos, and Lane Counties, supplemented by Resident Services, Foreclosure Intervention Counseling, Home Repair Assistance, and Homeowner Post-Purchase Counseling. Additional programs include Health Related Social Needs for Oregon Health Plan members and Home Share with Nesterly for homesharing. Heartwood ReSources provides workforce development and education services.

Differentiator

Problem solved

Functional benefit

Brands

• Dream$avers IDA: A matched savings program that helps households grow savings to achieve goals like buying a home or vehicle. Matches $1 saved with $5 for accounts up to $1,800, with up to $9,000 in matched funds.
• DreamBuilders
• Heartwood Resources

Products and services

• Health Related Social Needs (HRSN) Program providing Oregon Health Plan members with eligible non-medical services to address health-related social needs, expanded in 2024.
• Home Buyer Class & Coaching Educational program teaching first-time homebuyers the home purchasing process with one-on-one coaching support.
• Financial Literacy Class & Coaching Financial education classes and individual coaching helping participants understand budgeting, credit, and money management.
• Down Payment Assistance Program Program providing qualifying homebuyers with down payment funds to purchase a home.
• One-on-One Financial Coaching Free financial coaching from HUD-certified staff covering spending habits, financial goals, budgeting, credit improvement, and debt management.
• Dream$avers IDA Program Matched savings Individual Development Account offering a 5-to-1 match grant; participants save up to $1,800 and receive up to $9,000 in matched funds over 3 months to 3 years for goals including home purchase, education, vehicle, small business, or home repair.
• Foreclosure Intervention Counseling Free HUD-certified foreclosure counseling helping homeowners understand options, develop spending plans, and connect with foreclosure resources to avoid losing their home.
• Home Repair Assistance Grant programs helping qualifying homeowners in Coos, Curry, and Douglas Counties with home repairs including HVAC upgrades, roof repairs, plumbing, electrical, handicap-accessible modifications, and energy-efficient heat pump installations through the ODOE Community Heat Pump Deployment Program.
• Homeowner Post-Purchase Counseling Free one-on-one counseling helping new homeowners maintain their investment, understand mortgages, create budgets, and avoid foreclosure.
• Home Share with Nesterly Homesharing program partnering with Nesterly.com to connect homeowners with spare rooms to renters seeking month-long stays, with background-verified renters, task exchanges for reduced rent, and dedicated social worker support.
• Affordable Rentals Over 600 units of affordable rental housing in Douglas, Coos, and Lane Counties including properties for seniors (62+), veterans, families, and individuals with disabilities; properties include Brookside Court, Chadwick Apartments, Deer Creek Village, Eagle Landing, Grand Hotel, and others.
• Resident Services Services for current residents including social events, peer support, eviction prevention counseling, maintenance requests, connections to other NWU programs, and help with community resources and benefits.
• Heartwood ReSources Resource center offering workforce development, education, and community support services for residents in southern Oregon, affiliated with NeighborWorks Umpqua.

Quantifiable outcome

• Over 600 affordable rental units managed across Douglas, Coos, and Lane Counties
• +2 more outcomes

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Seven partnerships are on record, tiered core, major and minor.

• NeighborWorks AmericacoreStrategic or Co-development PartnerNational network affiliation providing organizational support, training, resources, and branding as part of the NeighborWorks network of community development organizations. NeighborWorks America is a congressionally chartered non-profit that supports local organizations focused on housing and community development.
• Enterprise Community PartnershipsmajorStrategic or Co-development PartnerNational affordable housing organization providing expertise, advocacy, and partnership opportunities for community development corporations working on housing preservation and development.
• Coos CountyminorStrategic or Co-development PartnerLocal government partnership supporting community development initiatives and affordable housing programs in Coos County where NWU operates rental properties.
• California Coalition for Rural HousingminorStrategic or Co-development PartnerRegional coalition providing advocacy, networking, and best practices sharing for rural housing organizations across the western U.S.
• Rural Communities Assistance CorporationminorStrategic or Co-development PartnerTechnical assistance provider supporting rural community development organizations with training, resources, and program implementation support.
• NesterlymajorStrategic or Co-development PartnerTechnology partnership with Nesterly.com homesharing platform to unlock affordable housing options in Douglas and Coos Counties. NWU provides local support, information sessions, housing counseling, and ongoing assistance for homesharing matches. The platform connects homeowners with spare rooms to renters seeking month-to-month housing arrangements.
• Heartwood ResourcesmajorOthersRelated organization under the NWU umbrella providing workforce development and resource services to community members. Referenced in navigation and partner sections of the website.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Habitat for Humanity International: Global nonprofit focused on affordable homeownership, home repair, and financial education. Overlaps with NWU's home buyer education, down payment assistance, and home repair programs.
• Enterprise Community Partners: National nonprofit affordable housing and community development organization. Highly comparable to NWU in mission, affordable housing development, resident services, and counseling; one of NWU's listed strategic partners.
• Preservation of Affordable Housing (POAH): National nonprofit affordable housing owner/operator with resident services programs. Closely mirrors NWU's model of owning and operating subsidized rental housing combined with supportive resident services.
• Local Initiatives Support Corporation (LISC): National community development financial institution providing capital, grants, and technical assistance to CDCs. Directly comparable in funding model and rural program support; one of NWU's listed financial partners.
• BRIDGE Housing: California-based nonprofit developer and operator of affordable rental housing. Comparable operating model with NWU's affordable rentals plus resident services focus.
• Mercy Housing: National nonprofit owning/managing tens of thousands of affordable rental units, often partnering with service organizations. Comparable operating model to NWU's affordable rental + resident services stack.
• Rural Community Assistance Corporation (RCAC): Regional nonprofit providing training, technical assistance, and financing for rural community development. Direct peer for rural housing delivery model; NWU's listed strategic partner.
• NeighborWorks America (network of affiliated CDCs): National network of 200+ affiliated community development nonprofits. Sister NWU affiliates (e.g., NeighborWorks of Grays Harbor, NeighborWorks Western Massachusetts) run near-identical affordable housing, counseling, and IDA programs.

Regional players

• California Coalition for Rural Housing: Regional advocacy and capacity-building coalition for rural affordable housing providers in California. Comparable mission and rural-focused delivery; geographically distinct from NWU's Oregon footprint.

Others

• Community Housing Capital: CDFI providing capital and financing expertise for affordable housing development and preservation. Comparable as a financial-backbone peer supporting the same asset class NWU operates in; one of NWU's listed financial partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NeighborWorksUmpqua
• Xx.com/NWUmpqua
• LinkedInlinkedin.com/company/neighborworks-umpqua

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NeighborWorks Umpqua