At a glance
From its website, read 2 Nov 2026Community LendingWorks is a loan fund based in Springfield, Oregon. Its website describes auto loans, credit-builder loans, home mortgages and 2 other loan types. Stated loan amounts run from $300 to $100,000. Where it lends: All of Oregon, through four regional offices. Business loan rates stated on its site range from 9% to 12%. The consumer loan APR it states is 4.893%. 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
| Main | (541) 345-0446 source |
|---|---|
| Phone | (541) 752-7220 source |
| Phone | (503) 779-2680 source |
| Website | www.communitylendingworks.org |
| Office (official list) | 212 Main Street, Springfield, OR 97477 |
What their website says about applying
Ready to get started? Contact Rolando directly.
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 |
|---|---|---|---|
| Credit-builder loans | Rate stated, not as an APR: see their wording | Interest: 6% | source |
| Home mortgages | Rate stated, not as an APR: see their wording | vs 4.7% through Amplify | source |
| Home mortgages | Rate: 4.893% APR | *Annual Percentage Rate (APR): 4.893% | source |
| Small-business loans | Rate: 9%–12% | Interest: 9-12% | source |
| Small-business loans | Rate: 12% | Interest: 12% | source |
| Auto / vehicle loans | Term: see their wording | Term: 6-60 months | source |
| Credit-builder loans | Term: see their wording | Term: 12 months | source |
| Personal / consumer loans | Term: see their wording | Term: 6-60 months | source |
| Small-business loans | Term: up to 6 mo | Term: 6 months | source |
| Small-business loans | Term: up to 5 yr | Term: Up to 60 months | 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.
Who qualifies, in their words
- Minimum credit score: 640
Credit score of 640 or higher
source - First-time homebuyer program
First-time homebuyer status for at least one person on the loan
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 30 Sep 2015 |
| RSSD ID | — (none listed) |
| Address | 212 Main Street, Springfield, OR 97477 Directions (Google Maps) |
| Website | www.communitylendingworks.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. The Holiday Farm Fire program is a closed grant and was excluded; the Micro Enterprise Loan App page had no text. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Whether your goal is to purchase a new or used vehicle, lower your monthly car payments | source |
| Credit-builder loans | — | The Credit Builder loan is a small loan, designed to help you establish or boost your credit profile. | source |
| Home mortgages | — | Amplify is a mortgage built specifically for people buying homes in a Community Land Trust. | source |
| Personal / consumer loans | — | If life throws something unexpected your way, a personal loan can help you keep your debt under control and your finances on track. | source |
| Small-business loans | $1,000 – $100,000 | Range: $1,000-$100,000 | source |
Loan sizes
Range used for the size filter: $300 to $100,000
Service area
All of Oregon, through four regional offices
of Oregon through four regional offices.
source
Statewide: Oregon
Borrower focus
- First-time homebuyers
First-time homebuyer status for at least one person on the loan
source
Languages
- Spanish
No importa cuál sea su meta de ahorro, CLW quiere ayudarlo.
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://communitylendingworks.org/
- https://communitylendingworks.org/clw-loans-business-loans/
- https://communitylendingworks.org/amplify/
- https://communitylendingworks.org/clw-consumer-loans/
- https://communitylendingworks.org/micro-enterprise-loan-app/
- https://communitylendingworks.org/holiday-farm-fire-recovery/
- https://communitylendingworks.org/small-business-loan-application/
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 is the APR, including fees, on your auto loans and credit-builder loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - 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$4.8 million in 9 awards from the U.S. Treasury's CDFI Fund, 2013–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Small Dollar Loan Program | $339,536 |
| 2021 | CDFI Program, Financial Assistance | $525,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Small Dollar Loan Program | $281,400 |
| 2019 | CDFI Program, Financial Assistance | $275,000 |
| 2017 | CDFI Program, Financial Assistance | $350,000 |
| 2016 | CDFI Program, Financial Assistance | $500,000 |
| 2015 | CDFI Program, Financial Assistance | $300,000 |
| 2013 | CDFI Program, Financial Assistance | $420,000 |
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 Dec 2023| Total assets | $10.7M |
|---|---|
| Total liabilities | $5.5M |
| Net assets | $5.3M |
| Total revenue | $723,395 |
| Notes and loans receivable, net (Part X line 7) | $6.5M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 45-3812405, filed as “COMMUNITY LENDINGWORKS”), 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 |
|---|---|---|---|---|
| Dec 2018 (990) | $4.2M | $1.6M | $226,409 | $3M |
| Dec 2019 (990) | $5.6M | $1.9M | $1.2M | $4M |
| Dec 2023 (990) | $10.7M | $5.3M | $723,395 | $6.5M |
Total assets grew 158% from Dec 2018 to Dec 2023; notes and loans receivable rose 115%. 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 |
|---|---|---|
| Largest loan its website states | $100,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 18% of these 184. |
| Total assets, latest IRS Form 990 | $10.7M | Larger than 50% of the 6 other certified loan funds and venture funds in Oregon with a matched Form 990 (median $13.5M). |
| Business loan rate its website stated (2 Nov 2026) | 9.00% to 12.00% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 2 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 18% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Oregon | 6 | larger than 50% |
“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; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section). Prime rate: FRED DPRIME.
Other certified CDFIs in Springfield and Oregon
- Central Willamette Credit UnionCredit union · Albany, ORAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Home mortgages…Verified
- Community Housing FundLoan fund · Beaverton, ORAffordable housing development loans, Nonprofit / community facility loansVerified
- Community and Shelter Assistance CorporationLoan fund · Sherwood, ORAffordable housing development loansVerified
- Consolidated Federal Credit UnionCredit union · Portland, ORAuto / vehicle loans, Home mortgages, Small-business loansVerified
- Craft3Loan fund · Portland, ORCommercial real estate loans, Equipment loans, Home repair / improvement loans, Small-business loansVerified
- Cutting Edge Federal Credit UnionCredit union · Milwaukie, ORCredit-builder loans, Small-dollar / emergency loans, Home repair / improvement loans, Home mortgages…Verified
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