Community Lending Program
Eligible Markets
What is the Community Lending Program?
The Community Lending Program was designed to help underserved customers and communities make home ownership possible.
This program is available for primary residences as a purchase or refinance. Property types include 1-4 family homes, condominiums, planned unit developments, and cooperatives.
See eligible areas by state by clicking on a state below and reviewing the eligible regions.
Click on a state to see eligible regions
Program not eligible or NRL is not licensed to lend in grey states.
ALABAMA
Anniston-Oxford, AL
Auburn-Opelika, AL
Birmingham-Hoover, AL
Columbus, GA-AL
Daphne-Fairhope-Foley, AL
Decantur, AL
Dothan, AL
Florence-Muscle Shoals, AL
Gadsen, AL
Huntsville, AL
Mobile, AL
Montgomery, AL
Tuscaloosa, AL
ARKANSAS
Fayetteville-Springdale-Rogers, AR
Fort Smith, AR-OK
Hot Springs, AR
Little Rock - North Little Rock - Conway, AR
Memphis, TN-MS-AR
Pine Bluff, AR
Texarkana, TX-AR
ARIZONA
Phoenix-Mesa-Chandler, AZ
Sierra Vista-Douglas, AZ
Yuma, AZ
Tucson, AZ
CALIFORNIA
Anaheim-Santa Ana-Irvine, CA
Bakersfield, CA
Chico, CA
El Centro, CA
Fresno, CA
Handford-Corcoran, CA
Los Angeles - Long Beach - Glendale, CA
Madera, CA
Merced, CA
Modesto, CA
Napa, CA
Oakland-Berkeley-Livermore, CA
Oxnard-Thousand Oaks-Ventura, CA
Salinas, CA
Riverside-San Bernardino-Ontario, CA
San Diego-Chula Vista-
Carlsbad, CA
Sacramento-Roseville-Folsom, CA
San Francisco-San Mateo-Redwood City, CA
San Jose-Sunnyvale-
Santa Clara, CA
San Luis Obispo-Paso Robles, CA
San Rafael, CA
Santa Cruz-Watsonville, CA
Santa Maria-Santa Barbara, CA
Santa Rosa-Petaluma, CA
Stockton, CA
Vallejo, CA
Visalia, CA
Yuba City, CA
COLORADO
Boulder, CO
Colorado Springs, CO
Denver-Aurora-Lakewood, CO
Fort Collins, CO
Greeley, CO
Pueblo, CO
Connecticut
Bridgeport-Stamford-Norwalk, CT
Hartford-East Hartford-Middletown, CT
Norwich-New London, CT
Worchester, MA-CT
New Haven-Milford, CT
Deleware
Dover, DE
Salisbury, MD-DE
Wilmington, DE-MD-NJ
Florida
Cape Coral-Fort Myers, FL
Crestview-Ft. Walton Beach-Destin, FL
Fort Lauderdale-Pompano Beach-Sunrise, FL
Gainesville, FL
Lakeland-Winter Haven, FL
Miami-Miami Beach-Kendall, FL
North Port-Sarasota-
Bradenton, FL
Ocala, FL
Palm Bay-Melbourne-
Titusville, FL
Panama City, FL
Port St. Lucie, FL
Sebastian-Vero Beach, FL
Tallahassee, FL
Tampa-St. Petersburg-Clearwater, FL
West Palm Beach-Boca Raton-Boynton Beach, FL
Deltona-Daytona Beach-
Ormond Beach, FL
Jacksonville, FL
Naples-Marco Island, FL
Orlando-Kissimmee-Sanford, FL
Pensacola-Ferry Pass-Brent, FL
Sebring-Avon Park, FL
The Villages, FL
Georgia
Albany, GA
Athens-Clarke County, GA
Augusta-Richmond County, GA-SC
Brunswick, GA
Columbus, GA-AL
Dalton, GA
Hinesville, GA
Macon-Bibb County, GA
Savannah, GA
Valdosta, GA
Atlanta-Sandy Springs-Alpharetta, GA
Chattanooga, TN-GA
Gainesville, GA
Rome, GA
Warner Robins, GA
Iowa
Davenport-Moline-Rock Island, IA-IL
Des Moines-West Des Moines, IA
Sioux City, IA-NE-SD
Waterloo-Cedar Falls, IA
Omaha-Council Bluffs, NE-IA
Idaho
Boise City, ID
Illinois
Cape Girardeau, MO-IL
Carbondale-Marion, IL
Chicago-Naperville-Evanston, IL
Danville, IL
Decatur, IL
Elgin, IL
Lake County-Kenosha County, IL-WI
Peoria, IL
Springfield, IL
St. Louis, MO-IL
Champaign-Urbana, IL
Davenport-Moline-Rock Island, IA-IL
Kankakee, IL
Rockford, IL
indiana
Cincinnati, OH-KY-IN
Elkhart-Goshen, IN
Evansville, IN-KY
Fort Wayne, IN
Gary, IN
Indianapolis-Carmel-Anderson, IN
Louisville/Jefferson County, KY-IN
Michigan City-La Porte, IN
Muncie, IN
South Bend-Mishawaka, IN-MI
Kansas
Kansas City, MO-KS
Manhattan, KS
Topeka, KS
Wichita, KS
kentucky
Bowling Green, KY
Cincinnati, OH-KY-IN
Clarksville, TN-KY
Evansville, IN-KY
Lexington-Fayette, KY
Louisville/Jefferson County, KY-IN
Louisiana
Alexandria, LA
Baton Rouge, LA
Hammond, LA
Houma-Thibodaux, LA
Lafayette, LA
Lake Charles, LA
Monroe, LA
New Orleans-Metairie, LA
Shreveport-Bossier City, LA
Massachusetts
Boston, MA
Cambridge-Newton-Framingham, MA
Springfield, MA
Worcester, MA-CT
Providence-Warwick, RI-MA
maryland
Baltimore-Columbia-Towson, MD
California-Lexington Park, MD
Cumberland, MD-WV
Frederick-Gaithersburg-Rockville, MD
Hagerstown-Martinsburg, MD-WV
Salisbury, MD
Washington-Arlington-Alexandria, DC-VA-MD-WV
Wilmington, DE-MD-NJ MD
maine
Lewiston-Auburn, ME
michigan
Ann Arbor, MI
Battle Creek, MI
Detroit-Dearborn-Livonia, MI
Flint, MI
Grand Rapids-Kentwood, MI
Jackson, MI
Kalamazoo-Portage, MI
Lansing-East Lansing, MI
Muskegon, MI
Niles, MI
Saginaw, MI
South Bend-Mishawaka, IN-MI
Warren-Troy-Farmington Hills, MI MD
minnesota
Minneapolis-St. Paul-B
loomington, MN-WI
St. Cloud, MN
missouri
Cape Girardeau, MO-IL
Kansas City, MO-KS
St. Louis, MO
mississippi
Gulfport-Biloxi, MS
Hattiesburg, MS
Jackson, MS
Memphis, TN-MS-AR
north carolina
Asheville, NC
Burlington, NC
Charlotte-Concord-Gastonia, NC-SC
Durham-Chapel Hill, NC
Fayetteville, NC
Goldsboro, NC
Greensboro-High Point, NC
Greenville, NC
Hickory-Lenoir-Morganton, NC
Jacksonville, NC
Myrtle Beach-Conway-
North Myrtle Beach, SC-NC
New Bern, NC
Raleigh-Cary, NC
Rocky Mount, NC
Virginia Beach-Norfolk-
Newport News, VA-NC
Wilmington, NC
Winston-Salem, NC
nebraska
Grand Island, NE
Omaha-Council Bluffs, NE-IA
Sioux City, IA-NE-SD
new hampshire
Manchester-Nashua, NH
new jersey
Allentown-Bethlehem-
Easton, PA-NJ
Atlantic City-Hammonton, NJ
Camden, NJ
New Brunswick-Lakewood, NJ
New York-Jersey City-
White Plains NY-NJ
Newark, NJ-PA
Ocean City, NJ
Trenton-Princeton, NJ
Vineland-Bridgeton, NJ
Wilmington, DE-MD-NJ
NEW MEXICO
Albuquerque, NM
Las Cruces, NM
Santa Fe, NM
OHIO
Akron, OH
Canton-Massillon, OH
Cincinnati, OH-KY-IN
Cleveland-Elyria, OH
Columbus, OH
Dayton-Kettering, OH
Lima, OH
Mansfield, OH
Springfield, OH
Toledo, OH
Youngstown-Warren-Boardman, OH-PA
OKLAHOMA
Fort Smith, AR-OK
Lawton, OK
Oklahoma City, OK
Tulsa, OK
OREGON
Portland-Vancouver-Hillsboro, OR-WA
Salem, OR
PENNSYLVANIA
Allentown-Bethlehem-Easton,
PA-NJ
East Stroudsburg, PA
Harrisburg-Carlisle, PA
Lancaster, PA
Montgomery County-Bucks County-Chester County, PA
Newark, NJ-PA
Pittsburgh, PA
Reading, PA
Erie, PA
Lebanon, PA
Philadelphia, PA
Scranton-Wilkes-Barre, PA
State College, PA
York-Hanover, PA
Youngstown-Warren-Boardman, OH-PA
RHODE ISLAND
Providence-Warwick, RI-MA
SOUTH CAROLINA
Augusta-Richmond County GA-SC
Charleston-North Charleston, SC
Charlotte-Concord-Gastonia, NC-SC
Columbia, SC
Florence, SC
Greenville-Anderson, SC
Hilton Head Island-Bluffton, SC
Myrtle Beach-Conway-
North Myrtle Beach, SC-NC
Spartanburg, SC
Sumter, SC
SOUTH DAKOTA
Sioux City, IA-NE-SD
TENNESSEE
Chattanooga, TN-GA
Clarksville, TN-KY
Jackson, TN
Knoxville, TN
Memphis, TN-MS-AR
Nashville-Davidson-Murfresesboro-Franklin, TN
TEXAS
Abilene, TX
Amarillo, TX
Austin-Round Rock-Georgetown, TX
Beaumont-Port Arthur, TX
Brownsville-Harlingen, TX
College Station-Bryan, TX
Corpus Christi, TX
Dallas-Plano-Irving, TX
El Paso, TX
Fort Worth-Arlington-Grapevine, TX
Houston-The Woodlands-
Sugar Land, TX
Killeen-Temple, TX
Laredo, TX
Longview, TX
Lubbock, TX
McAllen-Edinburg-Mission, TX
Midland, TX
Odessa, TX
San Angelo, TX
San Antonio-New Braunfels, TX
Sherman-Denison, TX
Texarkana, TX-AR
Tyler, TX
Victoria, TX
Waco, TX
Wichita Falls, TX
UTAH
Ogden-Clearfield, UT
Provo-Orem, UT
Salt Lake City, UT
VIRGINIA
Harrisonburg, VA
Lynchburg, VA
Richmond, VA
Roanoke, VA
Winchester, VA-WV
Virginia Beach-Norfolk-
Newport News, VA-NC
Washington-Arlington-Alexandria
DC-VA-MD-WV-MD
WASHINGTON
Kennewick-Richland, WA
Mount Vernon-Anacortes, WA
Portland-Vancouver-Hillsboro,
OR-WA
Seattle-Bellevue-Kent, WA
Tacoma-Lakewood, WA
Walla Walla, WA
Wenatchee, WA
Yakima, WA
WISCONSIN
Green Bay, WI
Janesville-Beloit, WI
Lake County-Kenosha County, IL-WI
Madison, WI
Racine, WI
Milwaukee-Waukesha, WI
Minneapolis-St. Paul-Bloomington, MN-WI
WEST VIRGINIA
Charleston, WV
Cumberland, MD-WV
Hagerstown-Martinsburg, MD-WV
Washington-Arlington-Alexandria,
DC-VA-MD-WV
Winchester, VA-WV
WYOMING
Cheyenne, WY