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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!
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.
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.
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