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A new CERTIFICATION FOR special purpose credit Programs

A new CERTIFICATION FOR special purpose credit ProgramsA new CERTIFICATION FOR special purpose credit ProgramsA new CERTIFICATION FOR special purpose credit Programs

A new CERTIFICATION FOR special purpose credit Programs

A new CERTIFICATION FOR special purpose credit ProgramsA new CERTIFICATION FOR special purpose credit ProgramsA new CERTIFICATION FOR special purpose credit Programs
Announcing the Equity Certification, powered by HCA:

Certification for loans and assistance

The Equity Certification will be issued to lenders and nonprofits that provide SPCPs, Down Payment Assistance, and other loans or assistance programs with enhanced access to credit for underserved communities and protected classes as provided for by the Equal Credit Opportunity Act.

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Impact and Purpose of the EQUITY Certification

Normalize the conversation

Equity certification increases transparency while broadening awareness of the Equal Credit Opportunity Act’s provision for Special Purpose Credit Programs (SPCP). The Equity certification helps consumers instantly identify that a program is verified while making it easier for lenders to market their SPCPs. 

Reach more underserved communities with enhanced access to credit

SPCPs are designed to meet the specific needs of underserved populations with programs that enhance the likelihood of being approved for credit. Equity certified programs in the national database will be searchable with live links for consumers.

Close the wealth gap(s)

We seek the to close the racial, ethnic, gender, and other wealth gaps in America. While the gap is greatest in homeownership for Black, Indigenous, and People of Color (BIPOC) communities, wealth gaps exist across a range of underserved populations seeking equitable access to credit. Equity certification helps these consumers find small business and home mortgage programs.

equity is taking differences into account so that everyone has a chance to succeed

Jodi Pincoult

Search for Programs here

Search for Home Loans, Small Business and Consumer Programs
Search Equity Certified Programs
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EQUITY ADVISORY COUNCIL

Mickey Neuberger, Co-Chair

Mickey Neuberger, Co-Chair

Mickey Neuberger, Co-Chair

Chief Marketing Officer for Realtor.com

Gisele Roget, Co-Chair

Mickey Neuberger, Co-Chair

Mickey Neuberger, Co-Chair

CEO

The Overbrook Square Group

Patty Arvielo

Mickey Neuberger, Co-Chair

Patty Arvielo

CEO & Co-Founder

New American Funding

Tamara King

Mickey Neuberger, Co-Chair

Patty Arvielo

VP Strategic Industry Engagement

Mortgage Bankers Association

Sylvia Alvarez

Eric Lawrence Frazier

Eric Lawrence Frazier

Executive Director

Housing Education Alliance

Eric Lawrence Frazier

Eric Lawrence Frazier

Eric Lawrence Frazier

CEO

The Power is Now Media

LaTasha Waddy

Eric Lawrence Frazier

LaTasha Waddy

GC & Chief Compliance Officer

NFM Lending

Aaron Brown

Eric Lawrence Frazier

LaTasha Waddy

Managing Counsel

Mr. Cooper

Lisette Torres

Lisette Torres

Lisette Torres

Director of Gov. & External Affairs

Rocket Mortgage

Bruce Reynolds

Lisette Torres

Lisette Torres

Founder/Creator

International Black Heritage Month

Beverly Meek

Lisette Torres

Bobbie Salgado

First Vice President

CRA Director - Flagstar

Bobbie Salgado

Lisette Torres

Bobbie Salgado

 Senior Director CRA

First Citizens Bank 

Fern Orie

Erin Kilmer Neel

Charles Lowery

Native Community Development Professional Consultant

Charles Lowery

Erin Kilmer Neel

Charles Lowery

SVP Policy

National Housing Conference

Erin Kilmer Neel

Erin Kilmer Neel

Erin Kilmer Neel

CEO 

Beneficial State Foundation

Seema Agnani

Erin Kilmer Neel

Erin Kilmer Neel

CEO 

National CAPACD

Shannan Herbert

Irma Yepez Klassen

Irma Yepez Klassen

EVP Inclusive Credit

Stratify

Irma Yepez Klassen

Irma Yepez Klassen

Irma Yepez Klassen

Director - Product Development 

MGIC

Hyepin Im

Irma Yepez Klassen

Brad Blower

President & CEO

FACE

Brad Blower

Irma Yepez Klassen

Brad Blower

Principal/Founder

Inclusive-Partners LLC  

Debra Still

Marisa Calderon

Marisa Calderon

Vice Chairman

Pulte Financial Services

Marisa Calderon

Marisa Calderon

Marisa Calderon

President & CEO

Prosperity Now  

Laird Nossuli

Marisa Calderon

Laird Nossuli

CEO

iEmergent  

Nikki Bialka

Marisa Calderon

Laird Nossuli

National Community Lending 

Fifth Third Bank  

Cashauna Hill

Executive Director 

The Redress Movement

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Equity Certified is a Program of HCA

HCA's mission is to build more equitable access to credit for America's underserved communities.

We envision a future without wealth gaps for BIPOC, women, LGBTQ, and other underserved people where the American Dream of home and business ownership thrives.


HCA is a national 501(c)3 Nonprofit Organization and Subject Matter Experts in Special Purpose Credit Programs & Affordable Lending Solutions.

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