Mortgage Underwriting for Nonprofit Lenders
Contract-based underwriting, QC/QA, compliance, technology, and strategic management services for nonprofit and CDFI lenders.
A Trusted Partner for Your Mission
We work alongside nonprofit and CDFI lenders as an extension of your team — bringing deep mortgage expertise so you can serve more borrowers, reduce risk, and stay focused on community impact.
Everything Your Lending Team Needs
From file submission to findings delivery, HCA handles the underwriting so you can focus on your mission. Streamline your lending operations with expert oversight and transparent reporting.
Expert Underwriting
Contract-based mortgage underwriting by experienced HCA staff, covering first mortgages, DPA, and seconds.
Quality Control
Comprehensive portfolio QC/QA review services to ensure compliance and mitigate risk.
Transparent Reporting
Real-time pipeline tracking with monthly activity reports and full audit trails.
Team Workspaces
Secure workspaces with role-based access for your entire lending team.
How It Works
Qualify
Complete our quick assessment to see if you're a fit.
Onboard
Set up your workspace and invite your team.
Submit
Upload loan files securely through your portal.
Review
Receive expert underwriting findings and QC reports.
Partner Highlights
We are proud to support nonprofit and CDFI lenders across the country with expert underwriting services. Meet a few of the organizations we work with.
Hawai'i Community Lending
Hawai'i
Hawai'i's premier nonprofit mortgage lender, certified by the U.S. Treasury as a CDFI. HCL increases access to credit and capital for local and Native Hawaiian families, with zero-down, low-fee mortgages and a mission to safeguard families from displacement.
HomeSight
Seattle, WA
A nonprofit CDFI lender serving Washington State since 1990. HomeSight helps low- and moderate-income families secure mortgages, build wealth, and stay in their communities through homebuyer education, financial counseling, and affordable lending.
Fahe
Appalachia
A Member-owned network of 50+ community-based nonprofits serving Appalachia across six states. Since 1980, Fahe has invested over $5 billion to build thriving Appalachian communities through housing, lending, and economic opportunity.
City First Enterprises
Washington, DC
A nonprofit CDFI founded in 1993 in Washington, DC, serving the Mid-Atlantic region. CFE creates financial solutions to support people and communities, financing affordable housing, small businesses, nonprofits, and clean energy, with a Down Payment Assistance Program through its subsidiary, Homes by CFE.
Ready to Streamline Your Underwriting?
Join nonprofit and CDFI lenders across the country who trust HCA for quality mortgage underwriting.
Start Your Application