What Housing Policy Council does

Housing Policy Council (HPC) is a privately organized U.S. trade association founded in 2003 and headquartered in Washington, D.C. Its membership comprises more than 30 enterprises spanning the full U.S. housing finance value chain — including the nation's largest mortgage originators and servicers (Wells Fargo, Chase, Citi, Rocket Mortgage, PennyMac, Freedom Mortgage, Cenlar, Bayview), mortgage and property insurers (Radian, MGIC, Arch MI, Enact, Essent, National MI, Assurant), title and settlement providers (First American, Stewart, FNF), data and technology firms (ICE, CoreLogic/Cotality, Sagent), housing finance companies (Annaly, Redwood Trust), and homebuilders (Pulte). The organization is staffed by a 1-10 person team led by President Ed DeMarco (former Acting Director of FHFA) and a senior bench covering capital markets, mortgage policy, public affairs, market structure, and membership operations.

HPC's core outputs are policy advocacy, regulatory comment, and educational content rather than commercial products. Its content portfolio includes the "Quick Takes" video series explaining the structure of the U.S. housing finance system and a body of research papers covering conforming loan limits, FHA and GSE home retention programs, MBS collateral management, and loss-mitigation economics — including a quantified finding that home retention programs save approximately $25,000 per retention action versus disposition. Distribution is via the website (housingpolicycouncil.org), Twitter (@hpc_housing), LinkedIn (hpcouncil), email, press releases, and direct engagement with FHFA, HUD, Treasury, and Congress.

HPC's business model is membership dues funded; revenue is not publicly disclosed. There are no patents, certifications, acquisitions, or external investors disclosed. The organization has no parent company and is governed by its member companies. Its competitive position rests on the combined policy influence of its member roster and the credibility of its leadership team, with recent capacity expansion signaled by the February 2026 hire of Sasha Jackson as SVP, Market Structure.

Name

Housing Policy Council

Legal name

Housing Policy Council

Website

https://housingpolicycouncil.org

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Housing Policy Council is a Washington, D.C.-based trade association, founded in 2003, whose 30+ members include leading U.S. mortgage lenders, servicers, insurers, title/settlement providers, and housing finance technology firms, and which advocates for regulatory consistency, market transparency, and housing finance reform through policy research and regulatory engagement.

Ownership category

akta.pro rank

Headquarters

HQ city

Washington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Distribution channels2 records

Marketing channels7 records

Core offering

HPC is a trade association that provides policy advocacy, regulatory engagement, and educational content for the U.S. housing finance industry. Its member companies include leading national mortgage originators, servicers, insurers, technology/data providers, and settlement service providers. The association's core offerings include regulatory comment letters, policy research publications such as the Quick Takes Video Series and Research Papers, and direct engagement with federal regulators (FHFA, HUD, Treasury) and Congress on housing finance matters such as conforming loan limits, GSE reform, and capital markets policy.

Product overview

The Housing Policy Council (HPC) is a trade association that does not offer commercial products or services. Its core offerings consist of advocacy, policy research, and educational content for housing finance industry stakeholders. The primary content offerings include the Quick Takes Video Series—an educational video series explaining housing finance concepts—and Research Papers providing policy analysis on topics such as FHA retention programs, GSE loss mitigation savings, and MBS collateral management reform.

Differentiator

Problem solved

Functional benefit

Products and services

• Quick Takes Video Series A video series providing quick, simple explanations of the U.S. housing finance system, including episodes on the government's role in the mortgage market, FHA establishment, the creation of the secondary mortgage market, and risk management in housing finance. Audience is HPC members, policymakers, and the public.
• Research Papers Policy research publications on housing finance topics including FHA and GSE home retention programs, mortgage-backed securities collateral management reform, and quantification of savings from loss mitigation programs (research shows GSE and FHA retention programs save $25,000 per retention action vs. disposition, with $1.5B–$17B in total savings depending on delinquency rates). Audience is HPC members, regulators, and policy stakeholders.
• Policy Advocacy and Regulatory Engagement Direct policy advocacy and regulatory engagement services delivered to HPC's enterprise member companies, including comment letters, official statements on housing policy issues (e.g., conforming loan limits), and engagement with FHFA, HUD, Treasury, and Congress. Audience is HPC's enterprise member organizations in mortgage origination, servicing, insurance, and technology.

Quantifiable outcome

• HPC research demonstrates that GSE and FHA home retention programs save $25,000 per retention action compared to disposition, with total savings of $1.5B to $17B depending on delinquency rates
• +1 more outcomes

Named customers32 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves2 records

Expansion highlights4 records

Direct peers

• National Association of Home Builders: Trade association representing the homebuilding industry, including single-family and multifamily builders (Pulte is an overlapping member). Directly comparable to HPC as a housing-sector advocacy body, with focus on supply-side policy versus HPC's finance-side focus.
• U.S. Mortgage Insurers: Trade association representing the U.S. private mortgage insurance industry. Directly comparable to HPC in advocating on housing finance policy, capital rules, and GSE reform, but focused specifically on MI carriers (several of which — Radian, MGIC, Enact, Essent, National MI, Arch MI — are also HPC members).
• National Housing Conference: Nonpartisan housing policy nonprofit that convenes industry, government, and advocates on affordable housing and finance policy. Comparable to HPC in housing-finance research and advocacy, but with a broader affordable-housing and cross-stakeholder orientation versus HPC's industry-member orientation.
• American Land Title Association: National trade association for the title insurance and settlement services industry. Directly comparable to HPC as a housing finance trade body, with several overlapping members (First American, Stewart, FNF), but focused specifically on title and settlement.
• Consumer Bankers Association: Trade association for retail banking institutions, including mortgage lending and servicing. Directly comparable to HPC in representing bank-affiliated mortgage participants (overlapping members include Citizens, PNC, Truist, U.S. Bank, BMO) on consumer-finance and housing policy.
• Community Home Lenders Association: Trade association representing smaller and independent mortgage lenders on regulatory and policy matters. Directly comparable to HPC in housing finance advocacy, with overlapping lender members (e.g., NewRez, PennyMac, Rocket Mortgage), but focused on community-focused lenders versus HPC's full-ecosystem positioning.
• Mortgage Bankers Association: The largest U.S. trade association for the real estate finance industry, representing mortgage bankers, lenders, and servicers. Directly comparable to HPC in policy advocacy on housing finance, GSE reform, and regulatory consistency, but with a significantly broader membership base.
• Structured Finance Industry Group: Trade association for the structured finance and securitization markets, including MBS. Directly comparable to HPC on capital markets and MBS-related housing finance policy, with overlapping institutional members in capital markets and servicing.

Broad incumbents

• American Bankers Association: The largest U.S. banking trade association, representing banks of all sizes on a wide range of regulatory and policy issues. Comparable to HPC as a banking/lending policy advocate with overlapping bank members (Chase, Citi, Wells Fargo, BMO, PNC), but operating across all banking issues rather than housing-finance specific.
• National Association of Realtors: Largest U.S. trade association for residential real estate professionals. Comparable to HPC in shaping housing policy and engaging with FHFA/HUD, but focused on the buy-side brokerage industry rather than the capital and finance side HPC represents.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/hpc_housing
• LinkedInlinkedin.com/company/hpcouncil

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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

Frequently asked questions about Housing Policy Council