At a glance
From its website, read 2 Nov 2026City First Bank, N.A. is a bank or thrift based in Washington, District of Columbia. Its website describes commercial real estate loans, energy-efficiency loans, affordable housing development loans and 2 other loan types. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | www.cityfirstbank.com |
|---|---|
| Office (official list) | 1432 U Street. NW, Washington, DC 20009 |
What their website says about applying
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Mar 2014 |
| RSSD ID | 2697963 |
| Address | 1432 U Street. NW, Washington, DC 20009 Directions (Google Maps) |
| Website | www.cityfirstbank.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and service area are not stated on the pages fetched; the only online apply link found is for a credit card. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Commercial real estate loans for property acquisition | source |
| Energy / solar / efficiency loans | — | Fund Energy Efficiency Projects Now, Pay Over Time with PACE Financing | source |
| Affordable housing development loans | — | City First Bank delivers customized financing solutions for affordable housing developers | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | SBA-guaranteed loan pathways | source |
| Small-business loans | — | City First Bank empowers businesses with tailored financing solutions for commercial real estate purchases, equipment, and working capital. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
eted capital to low- and moderate- income communities
source - Minority / BIPOC
City First Bank delivers customized financing solutions for affordable housing developers, small businesses, nonprofits, and minority-owned enterprises
source - Nonprofits
We specialize in delivering customized financing solutions for affordable housing developers, small businesses, community-based nonprofits, and minority-owned enterprises.
source
Languages
- Spanish
Impulsamos el crecimiento de las empresas con soluciones de financiamiento a medida
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.cityfirstbank.com/
- https://www.cityfirstbank.com/lending/
- https://www.cityfirstbank.com/2120-2/
- https://www.cityfirstbank.com/financing-for-businesses/
- https://www.cityfirstbank.com/personal-credit-cards/
- https://www.cityfirstbank.com/es/financing-for-businesses/
- https://www.cityfirstbank.com/treasury-pace-financing-for-nonprofits/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your energy-efficiency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and affordable housing development loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$16.3 million in 23 awards from the U.S. Treasury's CDFI Fund, 2000–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2021 | Bank Enterprise Award Program | $82,026 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $202,898 |
| 2019 | Bank Enterprise Award Program | $143,730 |
| 2018 | Bank Enterprise Award Program | $233,244 |
| 2017 | Bank Enterprise Award Program | $233,389 |
| 2016 | Bank Enterprise Award Program | $227,282 |
| 2015 | Bank Enterprise Award Program | $265,496 |
| 2014 | Bank Enterprise Award Program | $355,000 |
| 2013 | Bank Enterprise Award Program | $323,000 |
| 2012 | Bank Enterprise Award Program | $415,000 |
| 2012 | CDFI Program, Financial Assistance | $53,806 |
| 2011 | Bank Enterprise Award Program | $500,000 |
| 2010 | Bank Enterprise Award Program | $600,000 |
| 2009 | Bank Enterprise Award Program | $700,000 |
| 2009 | CDFI Program, Financial Assistance | $1,000,000 |
| 2008 | Bank Enterprise Award Program | $657,996 |
| 2005 | Bank Enterprise Award Program | $500,000 |
| 2002 | Bank Enterprise Award Program | $2,000,000 |
| 2000 | Bank Enterprise Award Program | $1,516,916 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as City First Bank, National Association (FDIC cert 34352). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.6 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 3 in 2 states (as of 30 Oct 2026) |
Offices by state and county (3)
District of Columbia (1 office)
- District of Columbia (1): 1432 U St Nw, Washington 20009 (main office)
California (2 offices)
- Los Angeles County (2): 170 N Market St, Inglewood 90301; 4001 S Figueroa St, Los Angeles 90037
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by City First Bank, National Association (RSSD 2697963, FDIC cert 34352). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $1.14 billion (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 15.2% from $986.9 million on 30 Jun 2025 |
| Total assets | $1.56 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $18.8 million | 1.7% |
| Commercial real estate, construction and multifamily | $852.7 million | 75.0% |
| Commercial and industrial (business) loans | $265.8 million | 23.4% |
| Consumer loans (credit cards, auto, other) | $65,000 | <0.1% |
None reported on the 30 Jun 2026 report: home equity lines of credit; farmland and farm production loans.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | none reported | 3 loans $90,000 |
| $100,001 to $250,000 | 2 loans $428,000 | 3 loans $530,000 |
| $250,001 to $1 million | 30 loans $16.9 million | 12 loans $4.3 million |
| All small business loans | 32 loans $17.3 million | 18 loans $5 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.56 billion | Larger than 91% of the 321 other certified banks and bank holding companies nationwide (median $381.4 million). |
| Loans as a share of assets | 73% | Median of the same 321 banks and bank holding companies: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $986.9 million → $1.14 billion (+15%) | Median change of 321 other certified banks and bank holding companies nationwide: +7%. Rank by loans held among these 322: 28 → 28. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies nationwide | 321 | larger than 91% |
| Loans held then vs now | certified banks and bank holding companies nationwide reporting both dates | 321 | rank 28 → 28 of 322 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 16 SBA-backed approvals for City First Bank, N.A. in fiscal years 2020–2026 (October 2019 to September 2026):
- 6 7(a) loans as the lender: $1.5M in total (gross amount approved), median $225,000
- 10 504 projects as the third-party (first-lien) lender: $23.8M in total (its own third-party loan amount), median $1.5M
By fiscal year: FY2020 1 · FY2021 2 · FY2022 1 · FY2023 4 · FY2024 5 · FY2025 1 · FY2026 2.
What actually happened
- Size of its 504 first-lien loans (third-party lender): half were between $916,500 and $3.5M, median $1.5M (10 loans)
- Term of its 504 first-lien loans (third-party lender): median 300 months (25 years) (10 loans)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 504 projects (as the third-party lender) (10, 62%)
- 7(a) SBA Express (4, 25%)
- 7(a) standard (2, 12%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (6)
- Manufacturing (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Los Angeles County, CA (5)
- District of Columbia, DC (4)
- Orange County, CA (3)
How this lender was matched in the SBA files: FDIC cert 34352, found through the RSSD ID on the CDFI Fund list (SBA lists “City First Bank, National Association”); 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “City First Bank, National Association”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. City First Bank, N.A. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Washington and District of Columbia
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- Building Hope FinanceLoan fund · Washington, DCOfficial list only
- CBA FundLoan fund · Washington, DCOfficial list only
- City First Enterprises IncBank holding company · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Affordable housing development loans…Verified
- City First Homes Inc.Loan fund · Washington, DCOfficial list only
- DC Federal Credit UnionCredit union · Washington, DCAuto / vehicle loans, Personal / consumer loansVerified
- DEVELOPING AFFORDABLE STARTER HOMES FUND, LLCLoan fund · Washington, DCOfficial list only
- Housing Assistance CouncilLoan fund · Washington, DCAffordable housing development loansVerified
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