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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.

Get Certified

Consumer spcp search tool

getting your program Equity certified

What does a lender/provider of an SPCP need to submit to be certified?

  • Product/Program Eligibility 
  • Geographic Availability
  • Product type(s) or Loan Purpose
  • Lender Contact Information

Who are eligible lenders?

  • Banks
  • Independent Mortgage Banks (IMB)
  • Credit Unions
  • CDFIs
  • Nonprofits

What is the cost?

No cost for lenders thanks to sponsors & donors. 


Nonprofits will never pay a fee and for-profits may be asked to cover minor administrative fee upon re-certification, as determined/approved by the Equity Advisory Council.

What will we get when certified?

  • Certification of your Special Purpose Credit Program
  • Logo and Marketing Materials Package
  • Equity Certified Trademark usage for marketing & outreach 

Lenders may also opt-in (at no additional cost) for:

  • Listing(s) in searchable database - currently by state(s) in which program exists
  • Inbound consumer inquiries for your Equity Certified program(s)
  • Referrals from housing counseling and community based nonprofits seeking to connect their clients with the best affordable loan options

Who do I contact?

Don Nash, VP National Equity Programs

nash@homeownershipcouncil.org

Welcome lenders of Special Purpose Credit Programs (SPCPs)

now let's get it certified!

We made it easy to start marketing your program and connect with interested consumers. 

Click Here to Request Further Information
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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 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 and areas seeking equitable access to credit. Equity certification helps consumers find small business, consumer, and home mortgage programs.


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