At a glance
From its website, read 2 Nov 2026Community Housing Capital, Inc. is a loan fund based in Decatur, Georgia. Its website describes affordable housing development loans. Where it lends: Nationwide, for NeighborWorks America organizations.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (678) 538-9925 source |
|---|---|
| Lending | (678) 538-9924 source |
| Lending | (678) 538-9915 source |
| Website | CommunityHousingCapital.org |
| Office (official list) | 402 E. Howard Avenue, Decatur, GA 30030 |
What their website says about applying
Connect with our specialized lending team in your region.
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.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | Up to 36 months | source |
| Loans (general) | Term: see their wording | From 3 Years to 30 Years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 402 E. Howard Avenue, Decatur, GA 30030 Directions (Google Maps) |
| Website | CommunityHousingCapital.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: high. Lending is limited to NeighborWorks America organizations, and no loan pages state a borrower-facing online application. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Affordable housing development loans | — | Up to $10MM | source |
Service area
Nationwide, for NeighborWorks America organizations
developing and preserving affordable housing nationwide
source
Borrower focus
- Nonprofits
provides short-term liquidity to nonprofit, affordable housing lenders originating single-family mortgages
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://communityhousingcapital.org/
- https://communityhousingcapital.org/loan-products
- https://communityhousingcapital.org/loan-products/lines-of-credit
- https://communityhousingcapital.org/loan-products/fhlb-atlanta-ahp
- https://communityhousingcapital.org/loan-products/multi-family-permanent
- https://communityhousingcapital.org/loan-products/warehouse-line-of-credit
- https://communityhousingcapital.org/loan-products/bridge
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 interest rate and fees should I expect on your affordable housing development loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - 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$21.2 million in 13 awards from the U.S. Treasury's CDFI Fund, 2001–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2022 | CDFI Program, Financial Assistance | $640,000 |
| 2021 | CDFI Program, Financial Assistance | $590,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $650,000 |
| 2020 | Capital Magnet Fund | $2,500,000 |
| 2019 | CDFI Program, Financial Assistance | $565,000 |
| 2016 | Capital Magnet Fund | $3,750,000 |
| 2012 | CDFI Program, Financial Assistance | $1,453,806 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2004 | CDFI Program, Financial Assistance | $1,750,000 |
| 2001 | CDFI Program, Financial Assistance | $1,000,000 |
New Markets Tax Credit allocations
$180 million in 4 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $85,000,000 |
| 2023 | New Markets Tax Credit allocation | $40,000,000 |
| 2022 | New Markets Tax Credit allocation | $25,000,000 |
| 2020 | New Markets Tax Credit allocation | $30,000,000 |
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 Sep 2023| Total assets | $153.8M |
|---|---|
| Total liabilities | $91.5M |
| Net assets | $62.3M |
| Total revenue | $19.7M |
| Notes and loans receivable, net (Part X line 7) | $134.9M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 94-3398998, filed as “COMMUNITY HOUSING CAPITAL 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 |
|---|---|---|---|---|
| Sep 2021 (990) | $130.8M | $46.7M | $14.1M | $116M |
| Sep 2022 (990) | $142.7M | $51.4M | $11.5M | $129.3M |
| Sep 2023 (990) | $153.8M | $62.3M | $19.7M | $134.9M |
Total assets grew 18% from Sep 2021 to Sep 2023; notes and loans receivable rose 16%. 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 | $153.8M | Larger than 100% of the 8 other certified loan funds and venture funds in Georgia with a matched Form 990 (median $13.8M). |
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, in Georgia | 8 | larger than 100% |
“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 Decatur and Georgia
- Access to Capital for Entrepreneurs, Inc.Loan fund · Cleveland, GACommercial real estate loans, Microloans, Small-business loansVerified
- Albany Community Together, Inc.Loan fund · Albany, GAMicroloans, Small-business loansVerified
- Bank of CamillaBank or thrift · Camilla, GAAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home repair / improvement loans…Verified
- Catalyst Development CORPORATIONLoan fund · Savannah, GAMicroloansVerified
- Citizens Trust BankBank or thrift · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Columbus Housing Initiative, IncLoan fund · Columbus, GAHome mortgagesVerified
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