Community Housing Capital

What Community Housing Capital does

Community Housing Capital is a national nonprofit Community Development Financial Institution (CDFI) and Community Development Entity (CDE) founded in 2000 and headquartered in Decatur, Georgia. It operates as a direct lender that exclusively serves the NeighborWorks America network of nearly 250 independent nonprofit affordable housing developers, providing flexible loan capital across the full project lifecycle — predevelopment lines of credit, acquisition financing, new construction, rehabilitation, bridge loans, mini-perm, and long-term fixed-rate multifamily permanent mortgages, alongside FHLBank Atlanta AHP sponsorship and New Markets Tax Credit allocations. The organization employs a regional loan officer model (Western/Midwest, Northeast, and Southern territories) and earns revenue primarily through interest income on its loan portfolio plus application fees and case-by-case commitment fees on individual transactions, supplemented by federal grant and tax-credit economics.

The business model is grounded in mission-aligned lending rather than market-rate returns: 93% of loans reach families earning 80% of area median income or less, with 13% reaching families earning 30% AMI or less, and 23,086+ affordable homes have been created or preserved since inception across 631 loans totaling $1.05 billion originated and $2.95 billion in development catalyzed. CHC is funded through a diversified capital stack that includes CDFI Fund awards ($95 million cumulative NMTC allocations, plus Capital Magnet Fund, Financial Assistance, and Equitable Recovery Program grants), institutional loan-participation capital from major banks (JPMorgan Chase, Bank of America, Morgan Stanley, Wells Fargo, PNC, US Bank, HSBC, Charles Schwab), and FHLBank Atlanta advances. The balance sheet has roughly doubled in recent years — total assets grew from $104 million to $203 million and loans under management grew from $203 million to $291 million — and investment-grade credit ratings (AA- from S&P, A+ from Fitch, both with stable outlook) provide structurally lower cost of capital than typical CDFIs.

The product surface spans nine loan products plus three subsidy/credit programs. Core loan products include Predevelopment LOC (up to $1 million), MF Acquisition LOC (up to $10 million), Single-Family LOC (up to $10 million), Acquisition (up to 95% LTV), Multifamily Construction (up to $15 million, 36 months), Single-Family Construction revolving (up to $10 million), Bridge (up to $15 million, 36 months), Mini-Perm ($250K–$15 million, up to 7 years, 90% LTV), Multifamily Permanent ($500K–$15 million, up to 30 years, 90% LTV), and Forward Commitment ($500K–$10 million). Complementary programs include Green Incentives, FHLBank Atlanta AHP subsidies (sponsored awards up to $500,000), and the newly launched $12 million Warehouse Line of Credit Pilot (October 2025) with JPMorgan Chase as loan-capital provider, which extends CHC into a conduit role for NeighborWorks-affiliated CDFIs.

Name

Community Housing Capital

Legal name

Community Housing Capital

Website

https://communityhousingcapital.org

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Community Housing Capital is a national nonprofit CDFI and CDE that exclusively provides flexible loan capital to the nearly 250 nonprofit organizations in the NeighborWorks America network for affordable housing development, spanning predevelopment, acquisition, construction, bridge, and permanent financing supplemented by NMTC and AHP subsidy programs.

Ownership category

akta.pro rank

Product category

Affordable Housing Lending

NAICS

Community Housing Services (62422), Other Community Housing Services (624229)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Impact Investing & Social Finance (Funds, CDFIs, Microfinance) (BPAGALAA)

akta.pro secondary industries

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Public & Affordable Housing Programs (Subsidies, Vouchers, Public Housing) (BPAIANAA), Community Development & Neighborhood Revitalization (CDBG, Place-Based Initiatives) (BPAIANAE)

Keywords

• Affordable housing lending
• Community development finance
• Nonprofit lending services
• CDFI loans
• Multifamily development financing

Headquarters

HQ city

Decatur

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Loan Interest and Origination Fees: CHC generates revenue through interest income on its loan portfolio and origination fees from various loan products including acquisition loans, construction loans, bridge loans, and permanent multifamily financing.
2. Application and Commitment Fees: Loan products carry application fees of $2,000 and commitment fees determined on a case-by-case basis.
3. FHLBank AHP Sponsorship: CHC sponsors borrower applications to FHLBank Atlanta for Affordable Housing Program awards up to $500,000, facilitating development for NeighborWorks organizations.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Community Housing Capital is a national nonprofit Community Development Financial Institution (CDFI) that provides flexible loan capital exclusively to the NeighborWorks America network of nonprofit organizations for affordable housing development. Its product suite spans predevelopment lines of credit, acquisition financing, multifamily and single-family construction loans, bridge loans, mini-perm and permanent mortgages, forward commitments for LIHTC properties, and subsidy programs including FHLBank Atlanta AHP awards and New Markets Tax Credit allocations.

Product overview

Community Housing Capital offers a comprehensive suite of loan products and financing programs designed for affordable housing development. The core lending products include Lines of Credit (Predevelopment, Multifamily Acquisition, and Single Family), Acquisition loans, Construction financing (Multifamily and Single Family), Bridge loans, and Permanent financing (Mini-Perm and Multifamily Permanent), along with Forward Commitments for LIHTC properties. These products are supplemented by subsidy programs including FHLBank Atlanta AHP Subsidies (up to $500,000 awards) and New Markets Tax Credits (totaling $95 million allocated). The organization also launched a $12 million Warehouse Line of Credit Pilot Program in 2025. CHC serves exclusively the NeighborWorks America network of nonprofit organizations, providing flexible capital for single-family and multifamily affordable housing development across the United States.

Differentiator

Problem solved

Functional benefit

Products and services

• Lines of Credit (Predevelopment, Multifamily Acquisition, Single Family)

Quantifiable outcome

• 23,086+ affordable homes created or preserved since 2000
• +5 more outcomes

Named customers20 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• NeighborWorks AmericacoreStrategic or Co-development PartnerCHC exclusively serves the NeighborWorks America network of nearly 250 independent, nonprofit organizations. This is a foundational partnership where CHC provides specialized lending solutions tailored to the network's unique needs for affordable housing development.

Scale indicators15 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Low Income Investment Fund (LIIF): National CDFI financing affordable housing, early care and education, and community facilities. Direct peer with overlapping CDFI lending model, NMTC deployment, and similar federal funding sources.
• Reinvestment Fund: National CDFI focused on financing affordable housing, healthy food access, and community development. Comparable as a fellow CDFI deploying NMTC, capital magnet funds, and direct loans to mission-aligned developers.
• IFF (formerly Illinois Facilities Fund): National CDFI providing loans and real estate consulting for nonprofits, including affordable housing developers. Direct peer with similar underwriting for nonprofit borrowers and CDFI/CDE dual status.
• Housing Partnership Network (HPN): Peer CDFI and collaborator of CHC that co-lends on affordable housing transactions. Comparable mission and borrower base (nonprofit affordable housing developers), and they are explicitly identified as a partner in CHC's deal structures.
• Enterprise Community Partners: National CDFI offering loan capital, tax credit allocation, and advisory services to affordable housing developers. Highly comparable to CHC's CDFI/CDE structure, NMTC deployment, and NeighborWorks-adjacent developer customer base.
• Nonprofit Finance Fund: National CDFI serving nonprofits with lending, asset management, and advisory services. Comparable as a peer CDFI supporting nonprofit mission-driven real estate and operating capital needs.
• Capital Impact Partners: National CDFI providing lending and capital solutions for community development, including affordable housing, healthcare, and education. Directly comparable CDFI peer with similar mission-driven lending model and federal program access.
• Calvert Impact Capital: National impact-focused Community Development Financial Institution that provides loans and investments for affordable housing and community development. Already a partner/lender to CHC and directly comparable in capital deployment strategy.
• Coastal Enterprises Inc. (CEI): Regional CDFI providing financing for affordable housing, small business, and community development in underserved markets. Comparable CDFI with overlapping loan products and federal program access, though geographically focused on Maine and rural New England.
• Local Initiatives Support Corporation (LISC): One of the largest national CDFIs providing flexible loans, equity, and technical assistance for affordable housing and community development. Most directly comparable to CHC in mission, customer base (nonprofit developers), and product suite (predevelopment, construction, permanent financing).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/chchousing

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community Housing Capital