State directory · AL

CDFI lenders in Alabama

93 certified CDFIs lend in Alabama, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 38 are headquartered here. Grouped below by the evidence. Sources: CDFI Fund list as of 21 Oct 2026; lender websites read 29 Oct 2026–4 Nov 2026.

Lend here: 93
Headquartered here: 38
Verified from lender sites: 73

Who lends in Alabama

93 lenders, each counted once

6 · Name a county or town in ALLender websites, read 29 Oct 2026–4 Nov 2026
4 · Lend statewideLender websites, read 29 Oct 2026–4 Nov 2026
2 · Name Alabama or part of itLender websites, read 29 Oct 2026–4 Nov 2026
32 · Headquartered here, no area statedCDFI Fund list, 21 Oct 2026
10 · Based elsewhere, branch hereFDIC office data as of 30 Oct 2026, NCUA branch data as of 30 Jun 2026
39 · Say they lend nationwideLender websites, read 29 Oct 2026–4 Nov 2026

Each lender is listed once, under the strongest evidence we have. 38 certified CDFIs are headquartered in Alabama (CDFI Fund list, 21 Oct 2026); 6 of them appear in the first groups because their website names an area here.

By loan type

Lenders that name an area in Alabama or are headquartered here and describe the loan type on their own website (Lender websites, read 29 Oct 2026–4 Nov 2026). Not mentioned does not mean not offered.

County pages

Cities with a CDFI headquarters

A listing here is evidence, not an offer: confirm with the lender that it lends where you are and to borrowers like you. For your exact address, search your ZIP code in the finder.

Name a county or town in Alabama as their lending area (6)

Their own website names a county or town in Alabama where they lend; place names are matched to GeoNames postal data. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Lend throughout Alabama (4)

Their website's service area covers all of Alabama (statewide wording, or a list of whole states). Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Name Alabama or a region of it in their service area (2)

Their website names Alabama or a region of it, without saying statewide or naming a county or town. Check the exact area with the lender. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Headquartered in Alabama, no service area stated here (32)

The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in Alabama. The pages we read name no county, town, region or statewide area in Alabama, or we have not read the lender's website yet; where a lender states an area elsewhere or nationwide, it is shown on its row. Not found does not mean they do not lend here.

Based elsewhere, with a branch or office in Alabama (10)

Banks and credit unions headquartered in another state with at least one office in Alabama (FDIC office data as of 30 Oct 2026, NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

Say they lend nationwide (39)

Their website says they lend across the United States and does not exclude Alabama. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Show the 39 lenders that say they lend nationwide

More loan types in Alabama

Lender websites, read 29 Oct 2026–4 Nov 2026

Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.

Home Repair Loans (5)

Credit-Builder Loans (1)

FIVE STAR CREDIT UNIONCredit union · Dothan, ALAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Credit-builder loans…This is a great option if you need cash but don't want to deplete your savings, or if you wish to establish credit or repair existing credit.Verified

Small-Dollar Emergency Loans (3)

Nonprofit Facility Loans (1)

Robertson Banking CompanyBank or thrift · Demopolis, ALAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Nonprofit / community facility loans…We support local ministries in various ways with the right type of financing.Verified

CDFI Fund awards

29 of the 38 certified CDFIs headquartered in Alabama have received CDFI Fund awards, $122.2 million in total; the largest: United Bank ($46.1 million), Bank of Vernon ($10.7 million), First National Bank and Trust ($7 million). All CDFI Fund award recipients based in Alabama, certified today or not: $145 million in 204 awards, 1998–2024. Separately, Treasury's ECIP invested $274.4 million in 7 certified CDFIs based here.

Awards go to the institutions, not to borrowers; totals exclude New Markets Tax Credit allocations and bond guarantees. All states ranked. 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. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.

Free help in Alabama

Free or low-cost advice before you apply: 12 Small Business Development Center offices; 2 SCORE chapters; 4 Women's Business Centers; 24 HUD-approved housing counseling agencies. Each county page lists the ones nearest to it. Sources: SBA local assistance listings (6 Nov 2026) and HUD's list of approved housing counseling agencies (last updated 9 Apr 2025).

SBA loans by CDFIs in Alabama

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 328 SBA approvals (301 7(a) loans and 27 504 projects) for borrowers in Alabama in fiscal years 2020–2026, from 23 CDFIs. The 7(a) loans total $149.9M approved.

Most SBA approvals here: Sabre Finance d/b/a VentureSouth (86), BankFirst Financial Services (79), Community Bank of Mississippi (35), Friend Bank (24), BANKPLUS (23).

Approval is not disbursement. Each lender page shows its own SBA figures.

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.

CDFI lending recorded in Alabama (FY2022)

CDFI Fund data, released Dec 2024

5,386 loans and investments totaling $1.6B (median $100,000) were reported to the CDFI Fund for borrowers and projects in Alabama in fiscal year 2022, by 102 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Non-real estate business	1,337	$656.1M	$196,928
Non-real estate microenterprise	1,288	$27M	$20,000
Home purchase	987	$205.8M	$150,000
Home improvement	542	$93.7M	$80,000
Real estate: commercial construction, permanent or acquisition	479	$341.3M	$200,000
Real estate: single-family housing rehabilitation	385	$84.6M	$123,636
Other purposes	368	$217.5M

Of 345 individual borrowers whose income was reported, 30% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 31,145 consumer loans in Alabama totaling $206M (Consumer Loan Report, tract totals, so no median); they counted 31% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 59 Alabama counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

County	Count	Total
Baldwin County	678	$297.8M
Tuscaloosa County	603	$193.6M
Mobile County	375	$181.2M
Marshall County	328	$82.8M
Covington County	295	$34.8M
Jefferson County	278	$184.3M
Geneva County	275	$18.9M
Marengo County	170	$25.3M
Winston County	165	$18.5M
Madison County	162	$59.2M

Loans and investments reported in other years: FY2018 752 · FY2019 863 · FY2020 6,956 · FY2021 16,866.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

Headquartered in Alabama, by city

CDFI Fund list, 21 Oct 2026

38 certified CDFIs: 4 loan funds · 6 credit unions · 14 banks or thrifts · 13 bank holding companies · 1 venture capital fund. A headquarters address is not a service area; each lender is also listed in its group above.

Andalusia (2): CCB Community Bank, Southern National Corporation
Atmore (4): First National Bank and Trust, First Suncoast Trust Bancshares, Inc., United Bancorporation of Alabama, Inc, United Bank · city page
Birmingham (5): Bronze Valley Corp, CAMINO LOAN FUND LLC, OPAL Community Capital LLC, SIXTH AVENUE BAPTIST FCU, Sabre Finance d/b/a VentureSouth · city page
Bynum (1): AOD Federal Credit Union
Demopolis (3): Demopolis Federal Credit Union, RBC, Inc., Robertson Banking Company · city page
Dothan (1): FIVE STAR CREDIT UNION
Eutaw (3): Federation of Greene County Employees FCU, Merchants & Farmers Bancshares, Inc., Merchants & Farmers Bank of Greene County · city page
Greensboro (2): GREENSBORO BANCSHARES, INC., Peoples Bank of Greensboro
Hamilton (2): First National Bank, Marion County Bancshares, Inc.
Huntsville (1): North Alabama Revolving Loan Fund, LLC
Mobile (2): CNB Bancorp Inc., Commonwealth National Bank
Moundville (2): Bank of Moundville, Moundville Bancshares, Inc.
Opp (2): SOUTHERN INDEPENDENT BANCSHARES INC, SOUTHERN INDEPENDENT BANK
Ozark (2): Commercial Bancshares of Ozark, Inc., Commercial Bank of Ozark, The
Phenix City (1): The Bridgeway Federal Credit Union
Samson (1): The Samson Banking Company, Inc.
Slocomb (2): Friend Bank, SNB Holdings, Inc.
Vernon (2): Bank of Vernon, First Vernon Bancshares, Inc.

CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.