Celebrating 5 Years of CLIMB

5 Years of Purpose. 5 Years of Progress. 5 Years of
CLIMB = Community Lending Initiatives in Mortgage Banking

In 2019, the Homeownership Council of America (HCA) launched CLIMB, a bold, industry-wide, mission-based service committed to 1) reducing barriers to credit 2) closing the wealth gap and 3) building generational wealth for future generations. HCA creates meaningful impact through affordable lending, local empowerment, and inclusive opportunity.

This month (June 2025) we celebrate 5 years of measurable impact, national reach, and local transformation. And we’re just getting started.

Thank you to all our partners,

Here’s our Impact at a Glance!

Why Partners Choose CLIMB by HCA

“NFM Lending collaborated with HCA and in less than a year after our launch, we reached originations over $100M with our new program.” CLIMB Partner, LaTasha Waddy - NFM Lending

"We have worked with HCA’s CLIMB program on multiple occasions over the past few years. They have provided excellent insight into our community development work and helped us to refine our fair lending approach."– Toby W. Goodlett, Executive Vice-President, Retail Services Executive – First Citizens Bank

“HCA’s CLIMB has been instrumental in helping NPHS achieve a thoughtful, data-driven approach to growing our CDFI and deploying capital in ways that are both impactful and sustainable. They’ve helped us with everything from market analysis to financial modeling, ensuring we are equipped to meet the needs of the communities we serve.” Jesse Ibarra, Chief Business Officer, NPHS

CLIMB equips lenders, nonprofits, and municipalities with turnkey solutions to support first-time buyers and underserved households with:

Affordable program design and data-based implementation strategies

Community-rooted outreach strategies

Scalable, measurable frameworks for impact and accountability

Built to Solve Real Problems

The wealth gap is real. CLIMB is a response. 5 years in - It’s not just another affordable lending program. It’s a holistic solution!

Problems: How CLIMB Responds:

Fair lending Community products and data-drive strategies

CRA goals Innovative, cost-effective solutions

Low production Improved delivery systems, partnerships, and programs

Fragmented systems Unified platform with support, training & scale

Over-reliance on grants A sustainable source of revenue for nonprofits

Where We Go From Here

Our 5-year anniversary is not just a milestone — it’s a launchpad.

Over the next 5 years, we aim to partner with even more industry leaders to continue building safe, effective, and impactful loan products and programs.

Continue to grow and reach traditionally underserved borrowers and communities throughout the United States.

Unlock billions in inclusive lending capital and production for industry lenders.

Join the Movement

Whether you’re a bank, IMB, credit union, CDFI, municipality, or corporate sponsor — we want to CLIMB with you.

Become a Sponsor

As a sponsor of HCA, you will have the opportunity to make a significant impact on the lives of those we serve. Your support will help us to expand our programs and services, reach more people in need, and make a lasting difference in the community. Contact us today to learn more about becoming a sponsor.

Learn More

Celebrating 5 Years of CLIMB

CLIMB Partner Lending Locations

Why Partners Choose CLIMB by HCA

“NFM Lending collaborated with HCA and in less than a year after our launch, we reached originations over $100M with our new program.” CLIMB Partner, LaTasha Waddy - NFM Lending

Become a Sponsor

National

Regional

Local Partners

Celebrating 5 Years of CLIMB

CLIMB Partner Lending Locations

Why Partners Choose CLIMB by HCA

“NFM Lending collaborated with HCA and in less than a year after our launch, we reached originations over $100M with our new program.” CLIMB Partner, LaTasha Waddy - NFM Lending

Become a Sponsor

National

Regional

Local Partners

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