At a glance
From its website, read 2 Nov 2026San Luis Obispo County Housing Trust Fund is a loan fund based in San Luis Obispo, California. Its website describes affordable housing development loans. Where it lends: Affordable housing developments throughout San Luis Obispo County, California.
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.slochtf.org |
|---|---|
| Office (official list) | 71 Zaca Lane, Suite 130, San Luis Obispo, CA 93401 |
What their website says about applying
Applications for financing from the HTF typically go through a four-step process that begins with an initial inquiry, which may be made by telephone, email or in person.
sourceIf the proposed project meets basic eligibility and targeting criteria and sufficient funds are available or will be available, the HTF extends an invitation for a complete application.
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) | 9 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 71 Zaca Lane, Suite 130, San Luis Obispo, CA 93401 Directions (Google Maps) |
| Website | www.slochtf.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 4 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: medium. Loan amounts and the HTF Loan Limits document were not included in the fetched text, and the lender lends to developers rather than individuals. 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 | — | helps bridge those gaps by providing financing through a revolving loan fund that supports affordable housing developments throughout San Luis Obispo County. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Affordable housing developments throughout San Luis Obispo County, California
helps bridge those gaps by providing financing through a revolving loan fund that supports affordable housing developments throughout San Luis Obispo County.
source
Counties this matches: San Luis Obispo County, CA
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.
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. - What interest rate and fees should I expect on your affordable housing development 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. - 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. - 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?
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$12.1 million in 10 awards from the U.S. Treasury's CDFI Fund, 2009–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program; Capital Magnet Fund).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Capital Magnet Fund | $4,500,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | Capital Magnet Fund | $1,500,000 |
| 2017 | Capital Magnet Fund | $1,000,000 |
| 2014 | CDFI Program, Financial Assistance | $500,000 |
| 2013 | CDFI Program, Financial Assistance | $600,000 |
| 2012 | CDFI Program, Financial Assistance | $600,000 |
| 2011 | CDFI Program, Financial Assistance | $600,000 |
| 2010 | CDFI Program, Financial Assistance | $500,000 |
| 2009 | CDFI Program, Financial Assistance | $500,000 |
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 | $21.7M |
|---|---|
| Total liabilities | $9M |
| Net assets | $12.7M |
| Total revenue | $2.4M |
| Notes and loans receivable, net (Part X line 7) | $19.8M |
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 13-4243257, filed as “SAN LUIS OBISPO COUNTY HOUSING TRUST FUND”), 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) | $16.4M | $11.6M | $2.6M | $13.8M |
| Dec 2022 (990) | $19.4M | $11.8M | $771,392 | $16.8M |
| Dec 2023 (990) | $21.7M | $12.7M | $2.4M | $19.8M |
Total assets grew 32% from Dec 2021 to Dec 2023; notes and loans receivable rose 44%. 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 | $21.7M | Larger than 57% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
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 California | 47 | larger than 57% |
“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 San Luis Obispo and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at San Luis Obispo County Housing Trust Fund? Link to this page
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