Ponce Bank

What their website says about applying

• Apply at your local branch today! source
• Valid government-issued photo ID source
• Talk to a Mortgage Loan Originator to find out how much you can borrow. source
• Submit your application and required documents. 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.

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.

• ITIN accepted Social Security Number or ITIN source
• Collateral flexible or not always required No collateral required for qualifying borrowers source
• Low or damaged credit considered those with past credit challenges source
• First-time homebuyer program Are a first-time homebuyer, purchasing a primary residence source
• Income limit applies Meet household income guidelines source
• Homebuyer education required Borrowers must complete a HUD or State-approved homebuyer education course source

Only rules the lender's own pages state. Other requirements may apply.

Read 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. Personal and mortgage loan amounts are not stated on the pages fetched. Terms change — confirm with the lender before applying.

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.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. Is there a minimum loan amount?
   Their website gives a maximum ($3M) but no minimum.
3. What is the APR, including fees, on your credit-builder loans and home mortgages?
   Their website does not state an APR. The APR includes fees, so it is the number to compare.
4. What interest rate and fees should I expect on your commercial real estate loans and microloans?
   Their website does not state a rate for this.
5. Can I apply online, or do I need to call or visit?
   We found no online application on their website.
6. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
7. 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.

On file with the FDIC as Ponce Bank, National Association (FDIC cert 31189). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.

An office shows where the lender has a branch, not where it lends or whom it lends to.

Figures from the Call Report filed by Ponce Bank, National Association (RSSD 897170, FDIC cert 31189). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.

Loan mix (balances on 30 Jun 2026)

None reported on the 30 Jun 2026 report: farmland and farm production loans.

Small business loans (original amount $1 million or less, balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.

Ponce Bank reported 88 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $111.7M (median loan about $495,000). 65 were home-purchase loans.

Included above: 10 loans on multifamily (5+ unit) properties.

Where the loans were made

Counties with the most 2025 originations, out of 25 counties with at least one; 66% of its 2025 loans were for properties in New York:

• Queens County, NY (22)
• Bergen County, NJ (11)
• Nassau County, NY (11)
• Bronx County, NY (6)
• Kings County, NY (5)
• Westchester County, NY (4)
• Union County, NJ (3)
• Broome County, NY (3)

Filed under LEI 549300K0ZDYG8YJZ3L95 as “Ponce Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

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. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

The SBA's public loan data lists 28 SBA-backed approvals for Ponce Bank in fiscal years 2020–2026 (October 2019 to September 2026):

• 21 7(a) loans as the lender: $27.7M in total (gross amount approved), median $733,500
• 7 504 projects as the third-party (first-lien) lender: $11.2M in total (its own third-party loan amount), median $1M

By fiscal year: FY2020 0 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 7 · FY2025 16 · FY2026 4.

How this lender was matched in the SBA files: FDIC cert 31189, found through the RSSD ID on the CDFI Fund list (SBA lists “Ponce Bank National Association”); 504 third-party lender name: same organisation by name and state, checked by hand (SBA lists “Ponce Bank National Association”).

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. Ponce Bank may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

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 Bronx and New York

• CheckSpring Community CorporationBank holding company · Bronx, NYOfficial list only
• New Covenant Dominion Federal Credit UnionCredit union · Bronx, NYOfficial list only
• Ponce Financial GroupBank holding company · Bronx, NYOfficial list only
• Spring BankBank or thrift · Bronx, NYOfficial list only

All 76 CDFIs in New York