At a glance
From its website, read 2 Nov 2026Community Development Fund of Utah is a loan fund based in Salt Lake City, Utah. Its website describes home repair loans. Where it lends: Salt Lake City municipal boundaries, west of I-15 (ADU construction loans). It serves borrowers in Spanish and Portuguese.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (801) 994-7222 source |
|---|---|
| Website | cdcutah.org |
| Office (official list) | 501 E 1700 South, Salt Lake City, UT 84105 |
What their website says about applying
Fill out CDCU's ADU web inquiry form below
source
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 | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 5 Jun 2016 |
| RSSD ID | — (none listed) |
| Address | 501 E 1700 South, Salt Lake City, UT 84105 Directions (Google Maps) |
| Website | cdcutah.org |
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. Only the ADU construction loan states a loan amount; the home repair lending mention has no stated terms and the lender's other programs are rental, coaching or grant-based. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | up to $200,000 | Loans available of up to $200,000 | source |
Loan sizes
Loans available of up to $200,000
source
Service area
Salt Lake City municipal boundaries, west of I-15 (ADU construction loans)
Property must be located west of I-15 in Salt Lake City municipal boundaries
source
Counties this matches: Salt Lake County, UT
Borrower focus
- Not stated on the pages we read.
Languages
Online application
No online application link found on the pages we read.
Pages read (7)
- https://cdcutah.org/
- https://cdcutah.org/about/programs
- https://cdcutah.org/programs/utah-dream-fund-homeownership-coaching-education
- https://cdcutah.org/success-stories/melendez-family
- https://cdcutah.org/i-want-to/finance-adu-construction
- https://cdcutah.org/i-want-to/become-more-financially-stable
- https://cdcutah.org/i-want-to/homestart
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.
- 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 home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - 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. - How long can I take to repay?
No repayment terms are stated on their website. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - 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$953,259 in 5 awards from the U.S. Treasury's CDFI Fund, 2012–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2018 | CDFI Program, Technical Assistance | $123,875 |
| 2016 | CDFI Program, Financial Assistance | $350,000 |
| 2015 | CDFI Program, Financial Assistance | $225,000 |
| 2012 | CDFI Program, Technical Assistance | $54,384 |
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.
Size of the fund (IRS Form 990)
Fiscal year ending Jun 2023| Total assets | $1.6M |
|---|---|
| Total liabilities | $408,313 |
| Net assets | $1.2M |
| Total revenue | $81,669 |
| Notes and loans receivable, net (Part X line 7) | $1.2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 27-3251347, filed as “COMMUNITY DEVELOPMENT FUND OF UTAH INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Jun 2021 (990) | $1.8M | $1.1M | $46,454 | $1.4M |
| Jun 2022 (990) | $1.7M | $1.2M | $259,036 | $1.3M |
| Jun 2023 (990) | $1.6M | $1.2M | $81,669 | $1.2M |
Total assets fell 9% from Jun 2021 to Jun 2023; notes and loans receivable fell 17%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $1.6M | Larger than 9% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 9% |
“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. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Salt Lake City and Utah
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