At a glance
From its website, read 29 Oct 2026Justine Petersen Housing and Reinvestment Corporation is a loan fund based in St. Louis, Missouri. Its website describes credit-builder loans, microloans and personal loans.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (314) 533-2411 source |
|---|---|
| Phone | (314) 472-2040 source |
| Website | www.justinepetersen.org |
| Office (official list) | 1023 North Grand Blvd, St. Louis, MO 63106 |
What their website says about applying
Schedule a free one-on-one credit building appointment with one of our financial counselors to develop a credit action plan to improve your credit score and achieve your financial goals.
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 Feb 2021 |
| RSSD ID | — (none listed) |
| Address | 1023 North Grand Blvd, St. Louis, MO 63106 Directions (Google Maps) |
| Website | www.justinepetersen.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 29 Oct 2026Read from 6 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: medium. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Credit-builder loans | — | Credit Building Loans | source |
| Microloans | — | our services, which include credit building and financial education, homeownership preparation and retention, and micro-enterprise lending and training. | source |
| Personal / consumer loans | — | Great Rivers originates consumer, housing, and micro-enterprise loans to low-income families who lack access to safe and affordable capital. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
Great Rivers originates consumer, housing, and micro-enterprise loans to low-income families who lack access to safe and affordable capital.
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 (6)
- https://justinepetersen.org/
- https://justinepetersen.org/about-us/
- https://justinepetersen.org/what-we-do/credit-building/
- https://justinepetersen.org/great-rivers-community-capital/
- https://justinepetersen.org/portfolio-item-category/finance-staff/
- https://justinepetersen.org/portfolio-item-category/credit-building-staff/
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 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 is the APR, including fees, on your credit-builder loans and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans?
Their website does not state a rate for this. - 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. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - 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$13.6 million in 8 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $1,735,000 |
| 2024 | Disability Funds, Financial Assistance | $1,000,000 |
| 2022 | CDFI Equitable Recovery Program | $6,197,097 |
| 2022 | CDFI Program, Financial Assistance | $797,900 |
| 2022 | Disability Funds, Financial Assistance | $500,000 |
| 2021 | CDFI Program, Financial Assistance | $1,046,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Disability Funds, Financial Assistance | $500,000 |
New Markets Tax Credit allocations
$45 million in 2 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 | $30,000,000 |
| 2023 | New Markets Tax Credit allocation | $15,000,000 |
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 Dec 2023| Total assets | $74M |
|---|---|
| Total liabilities | $53M |
| Net assets | $20.9M |
| Total revenue | $15M |
| Notes and loans receivable, net (Part X line 7) | $32.7M |
| Program-related investments (Part X line 13) | $452,194 |
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 43-1769074, filed as “JUSTINE PETERSEN HOUSING AND REINVESTMENT 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) | $49.3M | $17M | $7.6M | $13M |
| Dec 2022 (990) | $59.2M | $19.8M | $9.3M | $20.8M |
| Dec 2023 (990) | $74M | $20.9M | $15M | $32.7M |
Total assets grew 50% from Dec 2021 to Dec 2023; notes and loans receivable rose 152%. 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 |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $124,000 (58 loans) | All 7(a) lenders in Missouri: $225,000. Larger than the median loan of 28% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 6 → 3 | Rank among the 4 certified CDFIs in Missouri with SBA approvals in either period: 2 → 3. |
| Total assets, latest IRS Form 990 | $74M | Larger than 84% 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 |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 28% |
| SBA approvals then vs now | certified CDFIs in Missouri with SBA approvals FY2023–2026 | 3 | rank 2 → 3 of 4 |
| Form 990 total assets | certified loan and venture funds with a Form 990, nationwide | 449 | larger than 84% |
“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. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 58 SBA-backed approvals for Justine Petersen Housing and Reinvestment Corporation in fiscal years 2020–2026 (October 2019 to September 2026):
- 58 7(a) loans as the lender: $6.9M in total (gross amount approved), median $124,000
By fiscal year: FY2020 14 · FY2021 15 · FY2022 20 · FY2023 3 · FY2024 3 · FY2025 2 · FY2026 1.
What actually happened
- Size of its 7(a) loans: half were between $75,000 and $150,000, median $124,000 (58 loans)
- Term of its 7(a) loans: median 120 months (10 years) (58 loans)
- Fixed or variable: 0% of its 7(a) loans had a fixed rate (58 loans)
- Young businesses: 67% of its 7(a) loans went to a startup or a business two years old or less (57 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) Community Advantage (52, 90%)
- 7(a) standard (6, 10%)
Borrower industries
NAICS sector, 3 or more loans.
- Accommodation and food services (12)
- Retail trade (8)
- Transportation and warehousing (6)
- Other services (except public administration) (6)
- Manufacturing (6)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- St. Louis County, MO (21)
- Jackson County, MO (8)
- St. Louis City, MO (4)
- Johnson County, KS (3)
- Clay County, MO (3)
- Saint Charles County, MO (3)
- St. Clair County, IL (3)
How this lender was matched in the SBA files: SBA lender ID 0224496: same name, state and city (SBA lists “Justine Petersen Housing & Reinvestment Corporation”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Justine Petersen Housing and Reinvestment Corporation may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in St. Louis and Missouri
- Great Rivers Community Capital, IncorporatedLoan fund · St. Louis, MOAuto / vehicle loans, Credit-builder loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- St. Louis Community Credit UnionCredit union · St. Louis, MOAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- Alltru Federal Credit UnionCredit union · Wentzville, MOAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- AltCapLoan fund · North Kansas City, MOMicroloans, Small-business loansVerified
- Central Bancshares Of Kansas City, Inc.Bank holding company · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
Work at Justine Petersen Housing and Reinvestment Corporation? Link to this page
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