Two banks that loan to some of the city’s worst landlords have partnered with a tenants’ advocacy coalition to ensure that the slumlords clean up their acts.

It’s the culmination of months of outreach and protests on behalf of the coalition Housing Here and Now (HHN), said director Julie Miles.

Under the agreement, signed on to by Citicorp, New York Community Bank (NYCB) and HHN, the banks will review loan applicants’ track records — and see to it that repairs are made — before approving a mortgage. Past housing code violations, liens, litigation and input from tenants will all be considered.

Tenants will be able to take their complaints to NYCB, which will inspect the buildings and then forward repair requests to landlords. Tenants should prepare written complaints as well as photographs and other documentation.

“New York Community Bank appreciates the opportunity to work with various members of the communities where our extensive lending and community reinvestment efforts take place,” said NYCB CEO and president Joseph R. Ficalora in a statement.

The partnership represents a new way, besides the threat of foreclosure, for a lending organization to go after current mortgage holders who neglect what HHN has listed as the most troubled NYCB-mortgaged buildings. Nineteen can be found in University Heights, Bedford Park, North Fordham and Norwood. “The banks are taking real steps to require landlords to make repairs,” Miles said.

She described the agreement as “more political than legal,” but said she had “real confidence in the partnership.” City Council Speaker Christine Quinn, New York State Comptroller Alan Hevesi and other local officials have expressed support for the deal.

HHN submitted a list of 20 of the most neglected NYCB buildings last week, and a tenant at one of those buildings said she has already seen progress.

Xiomara Mejias, who lives at 2654 Valentine Ave. with her husband and three daughters, said NYCB inspectors came last week to photograph the broken windows, leaky roof and scurrying mice and roaches that plague the North Fordham building.

“I do feel confident that changes are going to be made,” Mejias said. “If not, I’ll get right back on them about it.”

HHN first went after NYCB in November, when the group staged a protest in front of Ficalora’s Madison Avenue office building. HHN published a list of the city’s 10 worst landlords, three of which get loans from NYCB. Other protests — at a troubled Bronx building and Ficalora’s Long Island home — followed, as well as a report outlining hazardous conditions in buildings the bank mortgages.

In the report, HHN said the bank didn’t meet the needs of the communities in which it does business, and therefore violated the Community Reinvestment Act of 1977.

HHN’s campaign to get NYCB to act deliberately coincided with its impending acquisition of Atlantic Bank of New York. The New York State Banking Board approved the deal and the acquisition is expected to be completed this month.