At a glance
From its website, read 2 Nov 2026Habitat Community Capital is a loan fund based in Oakland, California. Its website describes affordable housing development loans. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.habitatebsv.org/habitatcommunitycapital |
| Office (official list) | 2619 Broadway Suite 200, Oakland, CA 94612 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Collateral flexible or not always required
Minimal Collateral
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) | 11 Apr 2017 |
| RSSD ID | — (none listed) |
| Address | 2619 Broadway Suite 200, Oakland, CA 94612 Directions (Google Maps) |
| Website | www.habitatebsv.org/habitatcommunitycapital |
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: low. Loan product pages were not among the pages fetched; the home page only describes lending to affordable housing organizations in general terms. 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 | — | Providing loan Opportunities & Financing options to affordable housing organization | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
- https://www.habitatebsv.org/habitatcommunitycapital
- https://www.habitatebsv.org/services/housing-counseling
- https://www.habitatebsv.org/about/financials
- https://www.habitatebsv.org/services/home-repair
- https://www.habitatebsv.org/services/homeownership
- https://www.habitatebsv.org/lead-safe-homes-program
- https://www.habitatebsv.org/services/homeownership/sequoia-grove
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 interest rate and fees should I expect on your affordable housing development loans?
Their website does not state a rate for this. - How long can I take to repay?
No repayment terms are stated 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?
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$1.2 million in 3 awards from the U.S. Treasury's CDFI Fund, 2018–2021 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,001,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2018 | CDFI Program, Technical Assistance | $111,500 |
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.
Other certified CDFIs in Oakland and California
- Beneficial State Bancorp, Inc.Bank holding company · Oakland, CAAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans…Verified
- Beneficial State BankBank or thrift · Oakland, CAAuto / vehicle loans, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…Verified
- ICA FundVenture capital fund · Oakland, CAEquity / venture investment, Small-business loansVerified
- Main Street LaunchLoan fund · Oakland, CASmall-business loansVerified
- Pacific Community Ventures, Inc.Loan fund · Oakland, CAOfficial list only
- TMCCommunityCapitalLoan fund · Oakland, CAMicroloans, Small-business loansVerified
Work at Habitat Community Capital? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.