CDFI Atlas is an independent directory of U.S. Treasury-certified CDFIs, built from the CDFI Fund's official list, public federal data and what each lender says on its own website. Every source, its period and refresh cycle, and what each local statistic and comparison means: Sources and methodology.
Who publishes CDFI Atlas
CDFI Atlas is published by ZILIO Marzena Rewers, a sole proprietorship registered in Poland (Gliwicka 35, 42-600 Tarnowskie Góry, Poland; VAT PL6451705993). To reach us, use the contact page or email contact@cdfiatlas.com.
It is an independent, self-funded project. We are not a lender or a broker, and we are not affiliated with the U.S. Treasury, the CDFI Fund or any lender. No lender or borrower pays us: every certified CDFI is listed, and a place on a page or in the finder is never for sale. We do not take referral fees, sell leads or use affiliate links for loans. How we handle personal data: privacy notice.
1. The official list
Every lender comes from the CDFI Fund's “List of Certified CDFIs”, linked from its certification page: list date 21 Oct 2026, downloaded 29 Oct 2026, 1,268 organisations (561 loan funds, 364 credit unions, 180 banks or thrifts, 154 bank holding companies, 9 venture capital funds; 65 flagged Native).
The CDFI Fund's Privacy and Security page says the site “is considered public information which may be distributed and copied. Use of appropriate byline/photo/image credits is requested.” We credit the CDFI Fund on every page and do not use Treasury names or seals as our branding.
2. What lenders say on their own websites
For 865 lenders, loan products, amounts, service areas, borrower groups, languages, application links, contact details, stated rates and eligibility rules come from the lender's own public website, read 29 Oct 2026–4 Nov 2026. Each item is shown with a short quote from the lender's page, a link to that page and the date we read it. We read public pages only and never get around a site that blocks automated reading.
Items are extracted with the help of AI and checked automatically against the page they came from. For 42 lenders a person also reviewed every item; the other 823 have not been reviewed by a person, and each lender page says which applies. Nothing is filled in from memory. Blank means “not found on the pages we read”, not “not offered”. The other 403 lenders show the official record only.
3. ZIP search
Results list first the lenders whose own website names your county, town or state, then banks and credit unions with an office near you, then other nearby lenders and national lenders. Distances are straight-line and approximate; ZIP codes are located with GeoNames data (CC BY 4.0). The order is never for sale. A match is not an offer: ask the lender whether it lends where you are.
4. Dates and public records
The official list was downloaded on 29 Oct 2026 (list date 21 Oct 2026). Lender websites were read 29 Oct 2026–4 Nov 2026, and every item shows the date its page was read. The sections below cover rates and the public federal data we add. A record is linked to a lender through the identifiers regulators assign or, where there is none, a checked match on name and location; when in doubt we leave it unlinked.
Rates, contact details and eligibility
Rates are shown as the lender publishes them, with the date read; they are not offers. For consumer loans a rate appears as a number only where the lender's own words call it an APR; otherwise we show the lender's wording. Email addresses are published only when they are general addresses on the lender's own domain (such as info@ or loans@), never a named person's. Each lender page also lists questions to ask the lender, chosen from what its website does not say.
CDFI Fund awards
Awards come from the CDFI Fund's Searchable Awards Database (1996–2025, read 3 Nov 2026), and the Emergency Capital Investment Program from Treasury's ECIP participant list (downloaded 3 Nov 2026), shown as an investment, not an award. The award total adds up the grant and financial-assistance programs; New Markets Tax Credit allocations and Bond Guarantee amounts are shown separately, because they are tax-credit authority and guaranteed debt rather than money given to the lender. A lender with no awards listed may still have received them under an older or different legal name. Awards go to the institution; they are not loans to borrowers.
Offices and size of banks and credit unions
Bank assets and office locations come from the FDIC's BankFind Suite (assets as of 30 Jun 2026, walk-in offices as of 30 Oct 2026); credit-union members, assets and offices from the NCUA's quarterly Call Report data (as of 30 Jun 2026). Credit-union offices are placed at the centre of their ZIP code, so distances to them are approximate. An office shows that a lender is present, not that it lends to you, and credit unions serve members only.
What banks and credit unions report they lend
Loan figures come from public Call Reports: the FFIEC's bulk Call Report files for banks (30 Jun 2026, compared with 30 Jun 2025) and the NCUA's quarterly 5300 data for credit unions (30 Jun 2026 and 30 Jun 2025). A holding company's page shows its subsidiary bank or banks and names them. The figures are balances outstanding on the report date, not loans made during the year, grouped into broader categories. “None reported” means the filing itself says zero, not that the lender never makes that kind of loan.
Puerto Rico cooperativas
Puerto Rico's cooperativas de ahorro y crédito are supervised by COSSEC, not the NCUA. For 76 certified cooperativas we show total assets, members and full-time employees from COSSEC's quarterly statistics (quarter ending 30 Jun 2026, compared with a year earlier), and island-wide average interest rates on loans the cooperativas hold, which are averages, not offers or APRs. Each cooperativa was matched to COSSEC's table by name and town and, where the names differ, by its website or a public filing.
Pages in Spanish
Spanish pages (en español) cover Puerto Rico, Texas, California, New Mexico, Florida, New York, Illinois, Arizona, New Jersey, Colorado, Georgia and Nevada. Labels and explanations are translated by us; quotes from lender websites stay in their original language.
Free help nearby
County and city pages list nearby Small Business Development Centers, SCORE chapters, Women's Business Centers and Veterans Business Outreach Centers from the SBA's local assistance listings (read 6 Nov 2026), and HUD-approved housing counseling agencies from HUD's open-data list (last updated 9 Apr 2025). We list them because they help people prepare a loan application; none of them pays us to be listed. Offices are placed by ZIP code, so distances are approximate.
Home loans reported under HMDA
Home-loan figures come from the 2025 Home Mortgage Disclosure Act data published by the FFIEC and CFPB (read 3 Nov 2026). We count originated loans only. HMDA publishes loan amounts in $10,000 bands, so totals and medians are approximate, and counts under 3 are not shown. Only lenders above HMDA's reporting thresholds file, so many small or rural CDFIs and most loan funds do not appear: a lender without an HMDA section may still make home loans. 264 certified CDFIs reported 2025 originations, together 101,638 home loans.
Size of nonprofit loan funds (IRS Form 990)
For 450 nonprofit loan funds, pages show total assets, liabilities, net assets, revenue and loans receivable from their newest Form 990 or 990-EZ in the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024, 2023, 2022), identified through the IRS Exempt Organizations Business Master File. Figures are self-reported, end of year, and lag one to two years; each page states the fiscal year. Officer names and pay, which the Form 990 also lists, are not used.
SBA 7(a) and 504 loans
SBA-backed loans come from the SBA's public 7(a) & 504 FOIA loan data (files as of 30 Sep 2026), fiscal years 2020–2026, with cancelled approvals left out: 257 certified CDFIs appear, on 10,625 approvals. We publish aggregates only (counts, totals and medians), never a borrower or a single loan, and any figure resting on fewer than 3 loans is not shown. SBA approval is not disbursement, and SBA Microloans are not in these files, so a CDFI that only makes SBA Microloans shows no SBA figures here.
CDFI lending figures on county and state pages
County and state pages show loans and investments from the CDFI Fund's public Transaction Level Report (TLR) and Consumer Loan Report (CLR) data releases for fiscal years 2018–2022 (downloaded 3 Nov 2026). Only CDFIs that hold certain CDFI Fund awards report, not every certified CDFI. The Fund masks each reporter's identity, so these figures are never shown for, or attributed to, a lender on this site. A figure is shown only when it rests on at least three transactions. FY2021 includes a large batch of late submissions from one reporter, so year-to-year changes say little about local lending trends. The figures are as reported.
Corrections
Lenders and readers can request corrections or removal through the contact page or by email to contact@cdfiatlas.com. Please name the lender page. We re-read the lender's own website before changing anything, and we act on every correction or removal request within 7 days.
Source: CDFI Atlas, cdfiatlas.com/about/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).