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We are working to close to the wealth gap through innovative programs, partnerships, and products.

Homeownership Council of America (HCA)

Our Mission

Build more equitable access to credit for America's underserved communities. 


We envision a future without wealth gaps for BIPOC Americans, where generational wealth supports all communities, and the American Dream thrives. 

Find out more

Our Programs

CLIMB with HCA SPCP Support for Lenders

CLIMB with HCA SPCP Support for Lenders

CLIMB with HCA SPCP Support for Lenders

Strategic SPCP planning and product implementation for growing lenders. 

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Equity Certified Program for SPCPs

CLIMB with HCA SPCP Support for Lenders

CLIMB with HCA SPCP Support for Lenders

The only SPCP certification available to lenders and nonprofits,  that offer Special Purpose Credit Programs (SPCPs) .

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National Equity DPA Solutions

National Equity DPA Solutions

National Equity DPA Solutions

Underserved communities and LMI focused Funds, designed to be consistent, impactful, and reach scale. 

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CDFI Support

National Equity DPA Solutions

National Equity DPA Solutions

Contract underwriting and CLIMB strategies from DPA through 1st Mortgage Lending.

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Homeownership Council of America

National Nonprofit


As a 501c3, we serve our mission by providing unique services and product solutions for mortgage lenders and investors, along with other nonprofits & CDFIs supplying access to credit for the underserved.

Uniquely Experienced

Our leadership team and SMEs bring over 100 years of combined mortgage lending & compliance experience. This mortgage experience is complemented by a long history of nonprofit housing, HUD-approved services, CDFI management, and Special Purpose Credit Programs (SPCP).

Effective and Impactful

We have transformed each organization we work with, bringing them valuable knowledge, concrete processes, enhanced product offerings, and a better-prepared team. We facilitate growth and success.

Thank you to our EQUITY donors & CLIMB partners!

PARTNER HIGHLIGHT

We're proud to partner with realtor.com and raise awareness of this important subject that affects first-time home buyers.

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