The Community Home Lenders Association (CHLA) is a national nonprofit association of community-based mortgage lenders, whose mission is to promote federal housing policies that increase affordable mortgage loan options for homeowners and borrowers, and that foster a diverse and competitive mortgage industry that serves all borrowers and areas.


As Congress debates mortgage reform, and federal agencies implement new mortgage rules, CHLA believes that policy makers should adopt policies that encourage a re-localization of mortgage lending and a broad market of mortgage loan originators, as well as implement rules and regulations that treat all mortgage originators fairly, regardless of size or financial structure.


Giambrone testifying July 20,2017

William Giambrone, President of Community Home Lenders Association (CHLA) testified on July 20th before the U.S. Senate Committee on Banking, Housing, and Urban Affairs hearing on Principles of Housing Finance Reform.

Read his Statement.

Featured Posts

GSE Reform Returns to Capitol Hill - 12/21/18

December 21, 2018 As reported by Victor Whitman in today's, the House Financial Services Committee, in its final hearing of ...

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CHLA Statement to House Financial Services Committee on The Bipartisan Housing Finance Reform Act of 2018

    Testimony of Don Calcaterra, Jr. On behalf of the Community Home Lenders Association (CHLA)     House Financial Services Committee  Hearing on “The Bipartisan Housing Finance Reform ...

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GSE capital rule is hypothetical, but FHFA gets earful anyway - 11/26/18

November 26, 2018 As reported by Hannah Lang in National Mortgage News, mortgage lenders and consumer groups are making their voices ...

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HUD to address increased risk with FHA loans - 11/15/18

November 15, 2018 As reported by Victor Whitman on, FHA Commissioner Brian Montgomery is looking to make significant changes that will ...

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CHLA Op-Ed: It's Time for a New Regulatory Paradigm - November 2018

More balanced oversight is required to ensure fair competition in the mortgage industry by Scott Olson, Executive Director, Community Home Lenders ...

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CHLA Calls on RHS to Eliminate Anachronistic Interest Rate Cap

CHLA Calls on RHS to Eliminate  "Anachronistic" Interest Rate Cap     Contact: Scott Olson                    ...

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CHLA Comment Letter to USDA Rural Housing Service re: RHS Interest Rate Ceiling

  October 12, 2018   Request for Information Establishment of Maximum Interest Rate Rural Housing Service   Kate Jensen Finance and Loan Analyst Single Family Housing Guaranteed Loan Program USDA ...

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CHLA Member IMBs Write IRS: IMBs Should Be Fully Eligible for Small Business Passthrough Tax Deduction 10/01/2018

  October 1, 2018   Hon. Steven Mnuchin                                ...

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Non-bank lenders have become the largest source of mortgage lending in the country. - The Washington Post 9/21/18

September 21, 2018 As reported by Jonnelle Marte in The Washington Post, non-bank lenders have been increasing their market share due in part to ...

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CHLA asks FHFA to begin GSE recapitalization plans soon - Scotsman Guide 9/5/18

SEPTEMBER 5, 2018 As reported by Victor Whitman on,  the Community Home Lenders Association is urging the Federal Housing Finance ...

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CHLA letter to FHFA re: Capital Requirements for Fannie Mae and Freddie Mac - 9/5/18

September 5, 2018   Notice of Proposed Rulemaking Federal Housing Finance Agency Enterprise Capital Requirements RIN 2590-AA95 The Community Home Lenders Association (CHLA) is pleased ...

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CHLA to IRS: Clarify IMBs are Eligible for 20% Small Business Pass-through Tax Deduction

 CHLA Letter lays out arguments in Detailed Comment Letter on Proposed Rule   Contact: Scott Olson                ...

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CHLA Addresses HFSC on “Bipartisan Housing Finance Reform Act of 2018″ - December 2018


“It’s Time for a New Regulatory Paradigm” - CHLA Op-Ed November 2018


CHLA 2018 Report on Independent Mortgage Bankers