At a glance
From its website, read 29 Oct 2026Louisville Housing Opportunities and Micro-Enterprise Community Development Loan Fund, Inc., The is a loan fund based in Louisville, Kentucky. Its website describes small-dollar emergency loans, energy-efficiency loans, home repair loans and 1 other loan type. Stated loan amounts run up to $150,000. Where it lends: Jefferson County, Kentucky. It says it considers borrowers with low or no credit history. 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
| Main | (502) 882-8091 source |
|---|---|
| info@lhomeky.org source | |
| Apply online | Page with the application link |
| Website | www.lhomeky.org |
| Office (official list) | 1126 Berry Blvd, Louisville, KY 40215 |
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 29 Oct 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | Loans are repaid monthly for up to 7 years at 4% interest. | source |
| Loans (general) | Term: see their wording | Loans are repaid in equal monthly payments over 12 + months. | source |
| Microloans | Term: up to 3 yr | up to $15,000 for 36 months | source |
| Small-business loans | Term: up to 7 yr | terms (up to 84 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: 540
A minimum credit score of 540 is required.
source - No or thin credit history considered
who face barriers to traditional financing (limited credit history, unconventional income, or insufficient 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) | 4 Jun 2018 |
| RSSD ID | — (none listed) |
| Address | 1126 Berry Blvd, Louisville, KY 40215 Directions (Google Maps) |
| Website | www.lhomeky.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 2 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: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-dollar / emergency loans | up to $5,000 | LHOME can lend up to $5,000 to Jefferson County residents to meet property tax obligations. | source |
| Energy / solar / efficiency loans | — | Consumer Loans Home Repair and Energy Efficiency Loan | source |
| Home repair / improvement loans | — | Our loan products include home repair financing, property tax assistance, and small business loans, all designed to preserve homeownership and support entrepreneurship in Louisville, particularly in our most underserved… | source |
| Small-business loans | — | Our loan products include home repair financing, property tax assistance, and small business loans, all designed to preserve homeownership and support entrepreneurship in Louisville, particularly in our most underserved… | source |
Loan sizes
Apply for up to $50,000 Small Business Loan
sourceApply for up to $150,000 Working Capital Loan
sourceApply for up to $15,000 Consumer Loans
sourceLHOME can lend up to $5,000 to Jefferson County residents to meet property tax obligations.
source
Range used for the size filter: not stated to $150,000
Service area
Jefferson County, Kentucky
LHOME serves homeowners and small business owners across Jefferson County
source
Counties this matches: Jefferson County, KY
Borrower focus
- Immigrants
Job Up! Loan If you're an immigrant or refugee who was certified in a profession in your country of origin, we want to help you practice here in Louisville. We offer loans of up to $6,000.
source - Low- and moderate-income / underserved
LHOME can lend up to $24,999 to low-income homeowners in Jefferson County
source - Startups
start-ups and existing small businesses.
source
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 (2)
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.
- Is there a minimum loan amount?
Their website gives a maximum ($150,000) but no minimum. - What is the APR, including fees, on your small-dollar emergency loans and energy-efficiency loans?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business 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. - 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$2.6 million in 8 awards from the U.S. Treasury's CDFI Fund, 2016–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $350,000 |
| 2022 | CDFI Equitable Recovery Program | $689,778 |
| 2022 | CDFI Program, Financial Assistance | $250,000 |
| 2021 | CDFI Program, Financial Assistance | $300,000 |
| 2021 | CDFI Rapid Response Program | $669,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
| 2019 | CDFI Program, Financial Assistance | $125,000 |
| 2016 | CDFI Program, Technical Assistance | $124,829 |
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 | $4.5M |
|---|---|
| Total liabilities | $2.1M |
| Net assets | $2.4M |
| Total revenue | $1.4M |
| Notes and loans receivable, net (Part X line 7) | $1.7M |
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 45-4127209, filed as “LOUISVILLE HOUSING OPPORTUNITIES AND MICROENTERPRISE COMM DEV LOAN”), 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) | $4.3M | $2.6M | $1.3M | $1.1M |
| Dec 2022 (990) | $4.9M | $2.9M | $2.7M | $1.6M |
| Dec 2023 (990) | $4.5M | $2.4M | $1.4M | $1.7M |
Total assets grew 4% from Dec 2021 to Dec 2023; notes and loans receivable rose 55%. 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 | $150,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 28% of these 184. |
| Total assets, latest IRS Form 990 | $4.5M | Larger than 22% of the 9 other certified loan funds and venture funds in Kentucky with a matched Form 990 (median $30.3M). |
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 28% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Kentucky | 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 Louisville and Kentucky
- Park Community Credit UnionCredit union · Louisville, KYAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- Catalytic Development Funding Corp. of Northern KentuckyLoan fund · Covington, KYCommercial real estate loans, Affordable housing development loansVerified
- Community Ventures Corporation, Inc.Loan fund · Lexington, KYSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Frontier Housing, Inc.Loan fund · Morehead, KYHome repair / improvement loans, Home mortgagesVerified
- Kentucky Highlands Investment CorporationLoan fund · London, KYAgriculture / farm loans, Equipment loans, Microloans, Small-business loansVerified
- Mountain Association for Community Economic Development, Inc.Loan fund · Berea, KYSmall-dollar / emergency loans, Energy / solar / efficiency loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
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