Our Mission

NAAHL’s mission is to expand economic opportunity through responsible private financing for affordable housing and inclusive neighborhood revitalization.

NAAHL is the only national association that brings together banks, CDFIs and other capital providers for affordable housing and inclusive neighborhood revitalization.

We Connect

as a cross-sector network to share emerging challenges, opportunities and ideas. NAAHL is where experienced practitioners with diverse perspectives find common ground.

We Lead

as a united voice for bipartisan public policies and best practices to support financing of affordable housing and inclusive neighborhood revitalization. NAAHL works closely with policy makers and opinion leaders.

We Inform

as a one-stop resource for best practices, public policy developments, and data and research.

NAAHL is the only national association that brings together banks, CDFIs and other capital providers for affordable housing and inclusive neighborhood revitalization.

We Connect

as a cross-sector network to share emerging challenges, opportunities and ideas. NAAHL is where experienced practitioners with diverse perspectives find common ground.

We Lead

as a united voice for bipartisan public policies and best practices to support financing of affordable housing and inclusive neighborhood revitalization. NAAHL works closely with policy makers and opinion leaders.

We Inform

as a one-stop resource for best practices, public policy developments, and data and research.

The National Association of Affordable Housing Lenders was founded in 1990 as the national alliance of banks, nonprofits, and other private lenders and investors in affordable housing and neighborhood revitalization to share best practices and advocate for supportive public policies.

A quarter of a century later, NAAHL is still where leading practitioners connect and collaborate; advocate with a united policy voice; and provide expertise on effective implementation of the Community Reinvestment Act (CRA) and other policy tools.

We have seen remarkable progress in many ways. Cities are significantly more vibrant, attractive, and safe now than when NAAHL began; affordable rental housing has emerged as a safe and robust asset class; the Low Income Housing Tax Credit (LIHTC) alone has produced or preserved 30% of the nation’s comparably affordable apartments; the New Markets Tax Credit (NMTC) has generated $120 billion of investment in neighborhood economic development; and home mortgage performance has rebounded from a destructive housing crisis aggravated when some lenders strayed from the prudent lending principles that NAAHL has consistently upheld.

NAAHL has played an important part in this progress, working successfully to preserve CRA and modernize its implementation; support banks’ authority to make public welfare investments; support the NMTC; fight predatory mortgage lending; and expand liquidity for small multifamily housing loans. Every year NAAHL’s members provide more than $100 billion of responsible financing for affordable rental and owner-occupied housing and inclusive neighborhood revitalization, successfully serving millions of people in thousands of neighborhoods nationwide.

NAAHL has successfully advocated for:

Restoration and indefinite extension of Federal Financing Bank long-term, fixed-rate funding for FHA-insured multifamily risk sharing mortgages
Improved CRA guidance on community development
Defense of CRA against critics blaming it for the housing meltdown and Great Recession
Protection of Low Income Housing Tax Credits, Private Activity Bonds, and New Markets Tax Credits in tax reform
Introduction of legislation to expand and improve Low Income Housing Tax Credits
Favorable treatment of public welfare investments under Federal Reserve CCAR stress tests, the Volcker Rule, and Basel III Risk-Based Capital rule
Introduction of the Neighborhood Homes Investment Act, which would create a new federal income tax credit for developing ownership homes in distressed communities

Meet Our Staff & Board of Directors

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