Moving Millions
Into Community.

Black Owned,
Woman Owned.

Learn More
About UnlockDPA.

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Built in Detroit,
Equipped Nationwide.

OUR IMPACT

$230M
Millions Moved
34
Programs
10
Strategies

OUR MISSION

Our mission is to help CDFIs, banks, nonprofits, corporate entities, and government agencies develop their innovative ideas into practical solutions utilizing a unique, flexible approach that includes a mix of creative finance strategies, public-private sector collaboratives, and direct application of local discovery.

We are a community impact advisory firm focused on moving millions into underserved communities and economically-challenged populations across America. We provide expert, impactful advice in three core areas:

Outline of a hand holding a house symbolizing affordable housing or home protection.

Homeownership

$183M
Icon of a handshake in front of a document with text lines, symbolizing agreement or contract.

Small Business Growth

$44M
Outline icon of three people with upward arrows above their heads, symbolizing growth or progress.

Economic Mobility

$3M

OUR STORY

Our Beliefs

Rather than focusing solely on program design in isolation, we account for how policies, partners, processes, and market conditions interact to influence the right impact outcomes. Then, using continued engagement, we ensure that the resulting scaled programs are not only well-conceived, but also implementable and aligned with real-world conditions.

Our Approach

The Ownership Initiative is a nationally recognized, black-owned impact advisory firm headquartered in Detroit, Michigan that advises on housing and small business strategies to create opportunities for underserved populations and economically challenged communities. In 2006, we began creating sustainable impact by offering our core service model of designing housing programs and strategies for communities in the state of Michigan. Then, in 2010, we began to expand our housing services to other states. As of 2023, we proudly help to create impact in communities across 6 states and have adding small business focused program design and community benefit planning to our service model. Let us help create impact in your community next.

OUR EXPERTISE

Our Core Team

Our firm is supported by a curated network of experienced advisors, strategists, and subject-matter experts. This model allows us to assemble the right expertise for each engagement while maintaining a consistent strategic vision, quality standard, and leadership oversight.

Man wearing glasses, a beige blazer, and a blue checkered shirt standing outdoors near an urban water feature with buildings in the background.
Douglas Procunier
Chief Administrative Officer
Smiling woman with long brown hair wearing a white cardigan and floral blouse standing in front of a water fountain outdoors.
Karen Kling
Community Impact Advisor
Young woman with long curly hair wearing a black shirt smiling in front of a water fountain outdoors.
Deandrea White
Junior Community Impact Advisor
Woman wearing sunglasses and a colorful blue and green shawl standing outdoors near a water fountain and modern building.
Michelle L West
Community Impact Coordinator

Our Founder and CEO

Krysta Pate is a native Detroiter with over two decades of leadership in the housing and finance industry. She possesses an expert understanding of the regulatory framework and policy issues that urban communities face. She has an extensive circle of influence that includes working relationships with executive leaders in both the public and private sectors.

Krysta is a Development Finance Certified Professional with the Council of Development Finance Agencies and is the recipient of two awards from Crain’s Business Detroit. She served two terms as Vice Chair of the Michigan State Land Bank Authority, and she served as the senior advisor on banking regulatory matters to the Detroit Land Bank Authority.

Krysta has been featured by CNBC, Zillow, NPR, The New York Times, The Wall Street Journal, FDIC, Fannie Mae, The Federal Reserve, and many other prestigious publications.

Woman in a blue dress and silver high-heeled boots standing with arms crossed next to a yellow sign pointing to community rooms and tool bench.

OUR PORTFOLIO

City of Detroit logo featuring a stylized figure with outstretched arms above the text 'City of Detroit'.Logo of the City of Detroit featuring a stylized figure in a dynamic pose above the text 'City of Detroit' and 'Water and Sewerage Department' below.CRF USA logo with stylized red letters and a yellow shaded shape on the right.HR&A Housing Advisor logo with blue lettering on white background.
Northcountry Cooperative Foundation logo with acronym NCF and tagline Building economic resilience through cooperation.Motor City Contractor Fund logo with yellow block letters MCCF.Rehabbed & Ready logo with a stylized red roof over the word Rehabbed and READY in white text on a dark brushstroke background.Detroit Home Mortgage logo with a stylized house icon.
Southfield city logo with tagline 'the center of it all'.Logo for HRS Hospitality Reservation Service with the tagline 'Your Hotel Solutions Provider' in green.Logo of Oakland County Michigan featuring a tree silhouette and horizontal lines.Logo with stylized letter F and text Ferndale NSP - Neighborhood.
Seal of the City of Flint, Michigan, featuring a city skyline, the year 1855, and the text 'City of Flint, Michigan.'Grounded Solutions Network logo with three house icons in a blue circle and text beside it.Seal of the Charter Township of Redford featuring a map outline of Michigan with the township highlighted and the year 1833.Logo showing stylized drawings of houses above the text 'hazel park The Friendly City'.
Seal of City of Oak Park, Michigan featuring an oak leaf and two acorns with text established 1945.Seal of Charter Township of Royal Oak featuring a yellow maple leaf in the center with a circular text border.City of Toledo logo with stylized letters T, O, L and text below.Logo of The Village of Ortonville featuring a circle with a black and white image of houses and trees, text 'THE VILLAGE OF ORTONVILLE' and the slogan 'Proud Past, Promising Future'.
Oakland Housing logo with a stylized roof icon above the text and the tagline Middle Income Housing Strategy below.Center for Community Progress logo with tagline 'Vacant Spaces into Vibrant Places' and text 'Housing Strategy - Saginaw, MI'.Logo of Harmony Point CTC with a globe symbol and text 'Affordable Park Housing' below it.Logo for Village of Holly, Michigan, featuring the word HOLLY in large red letters with a holly leaf and berries graphic.
Seal of the City of Pontiac Michigan featuring a Native American figure holding a spear inside a circular border with city name.Welcome sign to Keego Harbor, MI, Heart of the Lakes.Logo of Madison Heights featuring a green eagle with MH initials and the text City of Progress.Emblem featuring a ship, fleur-de-lis, heart, and stripes with text 'River Rouge' and 'Heart of Industry' around the border and 'Michael D. Bowdler, Mayor' on a green banner.
City of Westland Michigan official seal and text.Logo of Charter County of Wayne, Michigan with the tagline 'Where home investments flourish.'Logo of Village of Lake Orion featuring icons of a sailboat, a trolley, trees on a hill, and a dragon head.Macomb County Michigan seal featuring a shield with the year 1818, gear-like shapes, three wind symbols, and a sailboat silhouette.
Logo of Detroit Land Bank Authority featuring a blue statue holding a torch, with buildingdetroit.org and Community Partners Program text.Detroit Land Bank Authority logo with a blue statue holding a torch, accompanied by text 'buildingdetroit.org' and 'Side Lots Sales Program Expansion'.Detroit Land Bank Authority logo with a seated figure holding a shining object, buildingdetroit.org text, and Own It Now Program tagline.Logo of Detroit Land Bank Authority with a blue seated figure holding a spark, and text 'buildingdetroit.org' and blue text 'Scaled Disposition Departmental Strategy'.
Detroit Land Bank Authority logo with blue statue holding a star, green and blue lines, website buildingdetroit.org, and text Occupied Buy Back Program.Detroit Land Bank Authority logo with a blue figure holding a shining object, and text buildingdetroit.org Occupied Properties Nonprofit Program.
City of Detroit logo featuring a stylized figure with outstretched arms above the text 'City of Detroit'.Logo of the City of Detroit featuring a stylized figure in a dynamic pose above the text 'City of Detroit' and 'Water and Sewerage Department' below.CRF USA logo with stylized red letters and a yellow shaded shape on the right.HR&A Housing Advisor logo with blue lettering on white background.
Northcountry Cooperative Foundation logo with acronym NCF and tagline Building economic resilience through cooperation.Motor City Contractor Fund logo with yellow block letters MCCF.Rehabbed & Ready logo with a stylized red roof over the word Rehabbed and READY in white text on a dark brushstroke background.Detroit Home Mortgage logo with a stylized house icon.
Southfield city logo with tagline 'the center of it all'.Logo for HRS Hospitality Reservation Service with the tagline 'Your Hotel Solutions Provider' in green.Logo of Oakland County Michigan featuring a tree silhouette and horizontal lines.Logo with stylized letter F and text Ferndale NSP - Neighborhood.
Seal of the City of Flint, Michigan, featuring a city skyline, the year 1855, and the text 'City of Flint, Michigan.'Grounded Solutions Network logo with three house icons in a blue circle and text beside it.Seal of the Charter Township of Redford featuring a map outline of Michigan with the township highlighted and the year 1833.Logo showing stylized drawings of houses above the text 'hazel park The Friendly City'.
Seal of City of Oak Park, Michigan featuring an oak leaf and two acorns with text established 1945.Seal of Charter Township of Royal Oak featuring a yellow maple leaf in the center with a circular text border.City of Toledo logo with stylized letters T, O, L and text below.Logo of The Village of Ortonville featuring a circle with a black and white image of houses and trees, text 'THE VILLAGE OF ORTONVILLE' and the slogan 'Proud Past, Promising Future'.
Oakland Housing logo with a stylized roof icon above the text and the tagline Middle Income Housing Strategy below.Center for Community Progress logo with tagline 'Vacant Spaces into Vibrant Places' and text 'Housing Strategy - Saginaw, MI'.Logo of Harmony Point CTC with a globe symbol and text 'Affordable Park Housing' below it.Logo for Village of Holly, Michigan, featuring the word HOLLY in large red letters with a holly leaf and berries graphic.
Seal of the City of Pontiac Michigan featuring a Native American figure holding a spear inside a circular border with city name.Welcome sign to Keego Harbor, MI, Heart of the Lakes.Logo of Madison Heights featuring a green eagle with MH initials and the text City of Progress.Emblem featuring a ship, fleur-de-lis, heart, and stripes with text 'River Rouge' and 'Heart of Industry' around the border and 'Michael D. Bowdler, Mayor' on a green banner.
City of Westland Michigan official seal and text.Logo of Charter County of Wayne, Michigan with the tagline 'Where home investments flourish.'Logo of Village of Lake Orion featuring icons of a sailboat, a trolley, trees on a hill, and a dragon head.Macomb County Michigan seal featuring a shield with the year 1818, gear-like shapes, three wind symbols, and a sailboat silhouette.
Logo of Detroit Land Bank Authority featuring a blue statue holding a torch, with buildingdetroit.org and Community Partners Program text.Detroit Land Bank Authority logo with a blue statue holding a torch, accompanied by text 'buildingdetroit.org' and 'Side Lots Sales Program Expansion'.Detroit Land Bank Authority logo with a seated figure holding a shining object, buildingdetroit.org text, and Own It Now Program tagline.Logo of Detroit Land Bank Authority with a blue seated figure holding a spark, and text 'buildingdetroit.org' and blue text 'Scaled Disposition Departmental Strategy'.
Detroit Land Bank Authority logo with blue statue holding a star, green and blue lines, website buildingdetroit.org, and text Occupied Buy Back Program.Detroit Land Bank Authority logo with a blue figure holding a shining object, and text buildingdetroit.org Occupied Properties Nonprofit Program.
Michigan State Housing Development Authority (MSHDA) logo with colorful door icons in red, turquoise, blue, and green on the left.Black and white Detroit Future City logo with a stylized city skyline above the text.ChaseLogo with Detroit city skyline silhouette against sun rays and the text 'Detroit Means Business'.
Houston Land Bank logo with stylized 'hlb' letters inside overlapping green and blue diamond shapes.Logo of Houston Community Land Trust featuring two stylized houses above a blue wave.Logo with a stylized house and sun rays above the text 'PROUD GROUND' and 'Dreams Start Here.'Logo of Friends of the Atlanta Land Trust featuring a house shape divided into green and blue quadrants with the text 'Friends of the Atlanta Land Trust' and 'Atlanta, Georgia' around the circle.
Comerica logo with stylized blue arcs above the word.CitizensIndependent Bank logo featuring a blue stylized eagle above the text.Liberty Bank logo with a blue torch replacing the letter I and a red flame above it.
Logo of Invest Detroit Ventures featuring an orange circular design of outward pointing arrows above the text 'Invest Detroit' in black and 'VENTURES' in orange.Seal of the State Land Bank Authority of Michigan featuring a map outline of Michigan, buildings, and a tree.Logo with three triangles in green, orange, and blue above the text Metro Atlanta Land Bank.Huntington logo with green hexagonal emblem composed of stylized H and text 'Huntington' below it.
Flagstar Bank logo with red text and stylized red waves underneath.Gilbert Family Foundation logo with a stylized blue letter G on the left and the name on the right.Rocket Community Fund logo with the word 'ROCKET' in bold, where the O is stylized as a red rocket flame, and 'Community Fund' below in smaller font.The Kresge Foundation logo in black text on a white background.
Opportunity Resource Fund logo with stylized buildings and house graphic, marked 25 years 1985-2010, captioned 'A catalyst for Michigan communities.'Community Foundation for Southeast Michigan text logo with a green underline separating the phrases.Ford Foundation logo with stylized multicolored circular pattern to the left of the text.Detroit Development Fund logo with a blue geometric star symbol and the text 'Detroit Development Fund' and 'Helping You Get There'.
Goldman SachsCDC Small Business Finance logo featuring stylized buildings above the text.Lifeline Business Consulting logo with 'lifeline' in red cursive and 'BUSINESS CONSULTING' in uppercase gray letters.Ballmer Group logo with the word 'ballmer' in a mix of script and bold type and 'GROUP' in uppercase bold letters beneath.
Michigan State Housing Development Authority (MSHDA) logo with colorful door icons in red, turquoise, blue, and green on the left.Black and white Detroit Future City logo with a stylized city skyline above the text.ChaseLogo with Detroit city skyline silhouette against sun rays and the text 'Detroit Means Business'.
Houston Land Bank logo with stylized 'hlb' letters inside overlapping green and blue diamond shapes.Logo of Houston Community Land Trust featuring two stylized houses above a blue wave.Logo with a stylized house and sun rays above the text 'PROUD GROUND' and 'Dreams Start Here.'Logo of Friends of the Atlanta Land Trust featuring a house shape divided into green and blue quadrants with the text 'Friends of the Atlanta Land Trust' and 'Atlanta, Georgia' around the circle.
Comerica logo with stylized blue arcs above the word.CitizensIndependent Bank logo featuring a blue stylized eagle above the text.Liberty Bank logo with a blue torch replacing the letter I and a red flame above it.
Logo of Invest Detroit Ventures featuring an orange circular design of outward pointing arrows above the text 'Invest Detroit' in black and 'VENTURES' in orange.Seal of the State Land Bank Authority of Michigan featuring a map outline of Michigan, buildings, and a tree.Logo with three triangles in green, orange, and blue above the text Metro Atlanta Land Bank.Huntington logo with green hexagonal emblem composed of stylized H and text 'Huntington' below it.

OUR SERVICES

General Impact Advisement
100 to 200 Hours

This low touch engagement is grounded in recurring working sessions, allowing us to provide timely, context-specific input.

This structure ensures that strategic decisions are informed by on-the-ground, time sensitive realities, and that programs are built with the practical tools and frameworks needed to sustain long-term impact.

General Impact Advisement
Custom Hours

Intensify the impact and deepen our engagement for a custom, higher touch approach:

• Research and ideate programmatic direction
• Design, launch, and stabilize a program
• Reinvent or relaunch a program
• Add temporary program staff

CONNECT WITH US TODAY

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