At a glance
From its website, read 2 Nov 2026Harbor Bank of Maryland Community Development Corporation is a loan fund based in Baltimore, Maryland. Its website describes equity investment. Where it lends: Underinvested communities throughout Greater Baltimore.
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.harborcdc.org |
|---|---|
| Office (official list) | 25 West Fayette Street, Baltimore, MD 21201 |
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) | 18 Jul 2016 |
| RSSD ID | — (none listed) |
| Address | 25 West Fayette Street, Baltimore, MD 21201 Directions (Google Maps) |
| Website | www.harborcdc.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: low. The pages state no loan products or loan amounts; the only explicit capital offering is pre-seed equity investing, and the lending page is vague. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Equity / venture investment | — | The Harbor CDC is an active pre-seed investor directly focused on providing capital access to underserved entrepreneurs. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Underinvested communities throughout Greater Baltimore
focused on accelerating development in underinvested communities throughout Greater Baltimore.
source
Borrower focus
- Not stated on the pages we read.
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://www.harborcdc.org/
- https://www.harborcdc.org/small-business-advisory/
- https://www.harborcdc.org/capital-for-small-businesses-and-developers/
- https://www.harborcdc.org/real-estate-training-and-advisory/
- https://www.harborcdc.org/our-services/
- https://www.harborcdc.org/haskins-center/
- https://www.harborcdc.org/about-us/
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. - 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?
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 5 awards from the U.S. Treasury's CDFI Fund, 2019–2024 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $526,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | CDFI Program, Technical Assistance | $125,000 |
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 | $5.7M |
|---|---|
| Total liabilities | $4.7M |
| Net assets | $1M |
| Total revenue | $862,389 |
| Notes and loans receivable, net (Part X line 7) | $3.8M |
| Program-related investments (Part X line 13) | $250,000 |
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 26-0006476, filed as “HARBOR BANK OF MARYLAND COMMUNITY DEVELOPMENT CORPORATION”), 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 2021 (990) | $1.6M | $1.6M | $752,542 | $682,301 |
| Dec 2022 (990) | $5.8M | $1.3M | $389,210 | $3.1M |
| Dec 2023 (990) | $5.7M | $1M | $862,389 | $3.8M |
Total assets grew 255% from Dec 2021 to Dec 2023; notes and loans receivable rose 453%. 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 | $5.7M | Larger than 22% of the 9 other certified loan funds and venture funds in Maryland with a matched Form 990 (median $37.3M). |
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 Maryland | 9 | larger than 22% |
“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 Baltimore and Maryland
- Baltimore Community Lending, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Affordable housing development loans, Small-business loansVerified
- Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- HARBOR BANKSHARES CORPORATIONBank holding company · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECUCredit union · Baltimore, MDOfficial list only
- Neighborhood Housing Services of Baltimore, Inc.Loan fund · Baltimore, MDHome repair / improvement loans, Home mortgagesVerified
- Neighborhood Impact Investment Fund, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Small-business loansVerified
- New American Community Lending CorporationLoan fund · Baltimore, MDOfficial list only
Work at Harbor Bank of Maryland Community Development Corporation? Link to this page
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