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Community Lending Initiatives in Mortgage Banking = CLIMB

CLIMB with HCA

With over 100 years of combined mortgage lending & compliance experience among our Subject Matter Expert team, HCA brings a unique approach and deep expertise to facilitate your success in affordable and special purpose (SPCP) lending. 

Set up a call

NFM Lending has collaborated with the Homeownership Council of America on the deployment of multiple SPCPs as part of community lending commitment. Less than a year after our launch, we reached originations over $100M.


LaTasha Waddy - NFM Lending

Work with our team of Subject Matter Experts

CLIMB Program

Homeownership Council of America works with CLIMB lending partners to develop sustainable mission-business models, innovative products with liquidity, and equitable programs that reach underserved communities.  We aren't just technical assistance consultants; we are truly partners with each lender in CLIMB as we join their bench to increase production and service among underserved populations and LMI communities nationally. 


HCA's focus with for-profit lenders revolves around Special Purpose Credit Programs (SPCPs) and Low-to-Moderate Income (LMI) affordable lending strategies. We are the #1 provider of technical assistance to lenders for SPCP written plans and provide full facilitation for lenders from data to design and documentation, all supported by our team of SMEs covering legal, compliance, operations, sales/originations, and marketing to diverse segments. We also help IMBs and others to plan for and execute on their own Community Development Financial Institution model for greater access to capital and new forms of liquidity that benefit lenders and underserved communities. 


HCA provides a growth path for nonprofit CDFIs and HUD-Approved Housing Counseling Agencies in CLIMB.  We help nonprofits ‘CLIMB the Lending Ladder’ to go from packaging and down payment assistance lending to 1st mortgage origination as a Broker, Correspondent, and even (when ready and at scale) becoming a GSE-approved Seller/Servicer.  


The CLIMB program helps lenders enhance their business model while increasing production and credit options for the least served consumers in their market area. 

 


Our Subject Matter Experts: Julie St. Jean, Brad Blower, Bruce Reynolds,  Howard Banker

Some of Lenders who CLIMB with HCA

HCA is the Leader in SPCP Technical Assistance

CLIMB for Special Purpose Credit Programs

Special Purpose Credit Programs for Lenders (Banks, IMBs, Credit Unions):

Homeownership Council of America’s Community Lending Initiatives in Mortgage Banking (CLIMB) program is designed to assist lenders in assessing needs and opportunities in targeted areas. HCA provides a complete market analysis as a component of CLIMB and requisite step for SPCPs. The analysis pulls target area data from HMDA and the US Census and ACS to show a picture of the community’s lending needs, the current housing market, and growth potential. We use the analyses to work with our SPCP CLIMB partners to describe the need for specialized mortgage loan products and credit enhancements. HCA works with our CLIMB partners to develop and monitor the needed products and go-to-market strategies. We also work with the team to create enhanced marketing and engagement through community partnerships. HCA has provided CLIMB for more than 40 lenders. HCA has developed Special Purpose Credit Programs (SPCP) with Credit Unions, Independent Mortgage Banks, Depository Banks, CDFIs, and nonprofit lenders. We have worked with several banks to develop SPCP and other affordable loan programs in fulfillment of a Community Benefits Agreement. 

Let's make your goals become a reality.

Upfront Planning, Research. and Assessment

Generative group discovery and planning sessions

Generative group discovery and planning sessions

We do our homework on your organization to come to the table informed and ready to add value to your operation.

Generative group discovery and planning sessions

Generative group discovery and planning sessions

Generative group discovery and planning sessions

We hold virtual sessions over several weeks between our SMEs and your senior leaders. We go through every area of operation to identify gaps, develop plans, and gain consensus. Together we prepare for the implementation of positive change.

Tactical Action Plans and Milestone Tracking

Generative group discovery and planning sessions

Tactical Action Plans and Milestone Tracking

We provide you with a written plan and applicable resources of the action steps for each area of your operation.   Every plan includes follow-up and accountability tracking to help your team achieve your goals.

Contact Us

Let us know you are interested and we'll set up a call.

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Better yet, call or email directly today!

We love our partners, so feel free to call during normal business hours.

Jennifer Murphy, VP CLIMB

712 H Street NE, #725, Washington, DC 20002

jennifer@homeownershipcouncil.org

Quotes from CLIMB Participants

“We gained a greater understanding of the ‘calculus’ behind mortgage banking..."

“I don’t think it had ever occurred to us that we could operationally behave more like for-profit"

"We started with HCA in March and launched our Brokerage by September with our first closing."

– Sara Morgan, COO, Fahe 

a national direct lender & CDFI

"We started with HCA in March and launched our Brokerage by September with our first closing."

“I don’t think it had ever occurred to us that we could operationally behave more like for-profit"

"We started with HCA in March and launched our Brokerage by September with our first closing."

-Myra Martinez, Deputy Executive Director, Affordable Homes of South Texas

“I don’t think it had ever occurred to us that we could operationally behave more like for-profit"

“I don’t think it had ever occurred to us that we could operationally behave more like for-profit"

“We absolutely came away with valuable information...production goals...operations & originations"

-Sabrina Seaman, Deputy Director, Clinch Powell

“We absolutely came away with valuable information...production goals...operations & originations"

“We absolutely came away with valuable information...production goals...operations & originations"

“We absolutely came away with valuable information...production goals...operations & originations"

-Helen O'Sullivan, CEO, NWOC

“Being part of CLIMB was way better than I expected it to be”

“We absolutely came away with valuable information...production goals...operations & originations"

“Thanks to CLIMB I can sleep better tonight than I have in 2 years and 9 months.”

-Tom Manning-Beavin, Executive Director, Frontier Housing

“Thanks to CLIMB I can sleep better tonight than I have in 2 years and 9 months.”

“We absolutely came away with valuable information...production goals...operations & originations"

“Thanks to CLIMB I can sleep better tonight than I have in 2 years and 9 months.”

– John Dillow, CFO, Eastern Eight CDC

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