About us
Mission Statement
The Community Home Lenders of America (CHLA) is a national non-profit association of small and mid-sized community-based mortgage lenders. The mission of the CHLA is to promote federal mortgage programs, rules, and regulations which treat community mortgage lenders fairly, and which reflect the critical importance that community mortgage lenders play in providing broad access to credit for borrowers, in increasing competition in mortgage markets, and in providing borrowers with quality mortgage services and access to loans at a local level.
Community mortgage lenders face both significant challenges and new growth opportunities as the landscape for mortgage lending and servicing continues to change at an unprecedented rate. Federal agencies are issuing a number of new regulations under Dodd-Frank, the CFPB continues to grow, and Congress is beginning a vigorous debate on the financial status and role of FHA, on the future of Fannie Mae and Freddie Mac, and on steps that could be taken to bring private capital back into mortgage markets, in order to shrink the footprint of Fannie, Freddie, and FHA.
These changes could have a major impact on community mortgage lenders. However, too often, policy makers in Washington hear only the voices of the biggest players, including so-called “too-big-to-fail” firms – often ignoring the perspective of other lender/servicers in the market.
JOIN Today
Membership in CHLA gives members the opportunity to stay informed of developments in Washington that affect their business, to collaborate with like-minded firms, and to participate in efforts to influence Washington decision makers to adopt policies that affirm CHLA objectives. Join Now!
scotsman Guide: Independent mortgage banks tighten grip on lending market as CHLA outlines 2026 agenda
A Scotsman Guide story features CHLA’s 2025 IMB Report, highlighting CHLA’s policy recommendations and key findings
Housing Wire: IMBs originate 84% of residential mortgages in 2025
A Housing Wire story features CHLA’s release of its 2025 IMB Report – highlighting IMBs’ increasing dominance in mortgage origination and other key findings from
Housing wire: Tapping investments for homeownership down paymentsHousing wire:
CHLA highlights its tax recommendations to boost homeownership – making 401(k) loans for down payments more flexible and creating a type of Starker exchange deferral