County directory · Alabama

CDFI lenders in Jefferson County, AL

1 certified CDFI names Jefferson County or a town in it as part of their service area on their own website. 4 more are headquartered here. 9 more have a bank or credit-union branch here. 4 more say they serve all of Alabama. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county: 1
Based here: 4
Branch here: 9
Serve all of AL: 4

A lender naming Jefferson County on its website is a good sign, not an offer. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Adamsville, Adger, Alton, Bessemer, Birmingham, Brookside, Clay, Docena, Dolomite, Fairfield, Fultondale, Gardendale….

Lenders compared for Jefferson County

19 with local records

Lender	Local records	Loan sizes	Head office
1. Community Bank of Mississippi Bank or thrift, Flowood MS	2 offices here; 16 SBA loans here, FY2020–FY2026; 59 home loans here, 2025	ask	206 mi
2. Sabre Finance d/b/a VentureSouth Loan fund, Birmingham AL	website names Birmingham; headquarters here; 32 SBA loans here, FY2020–FY2026	ask	9 mi
3. BankFirst Financial Services Bank or thrift, Columbus MS	1 office here; 14 SBA loans here, FY2020–FY2026; 6 home loans here, 2025	ask	83 mi
4. HOPE FEDERAL CREDIT UNION Credit union, Jackson MS	1 office here; 26 home loans here, 2025	ask	212 mi
5. Robertson Banking Company Bank or thrift, Demopolis AL	2 offices here; 6 home loans here, 2025	ask	92 mi
6. SIXTH AVENUE BAPTIST FCU Credit union, Birmingham AL	headquarters here; 1 office here	ask	4 mi
7. Champions Funding, LLC Loan fund, Gilbert AZ	42 home loans here, 2025	up to $3M	1,430 mi
8. Change Lending, LLC Loan fund, Anaheim CA	13 home loans here, 2025	up to $3.5M	1,770 mi
9. Southern Bancorp Bank Bank or thrift, Arkadelphia AR	10 home loans here, 2025	ask	359 mi
10. BANKPLUS Bank or thrift, Belzoni MS	6 home loans here, 2025	ask	211 mi
11. Peoples Bank Bank or thrift, Mendenhall MS	5 SBA loans here, FY2020–FY2026	$500–$5M	204 mi
12. RBC, Inc. Bank holding company, Demopolis AL	2 offices here	ask	92 mi
13. Community Bancshares of Mississippi, Inc. Bank holding company, Flowood MS	2 offices here	ask	206 mi
14. BankFirst Capital Corporation Bank holding company, Columbus MS	1 office here	ask	83 mi
15. Citizens Trust Bank Bank or thrift, Atlanta GA	1 office here	up to $2.5M	142 mi
16. Carver Financial Corporation Bank holding company, Savannah GA	1 office here	ask	350 mi
17. Bronze Valley Corp Venture capital fund, Birmingham AL	headquarters here	ask	3 mi
18. OPAL Community Capital LLC Loan fund, Birmingham AL	headquarters here	from $500,000	3 mi
19. CAMINO LOAN FUND LLC Loan fund, Birmingham AL	headquarters here	ask	6 mi

15 of these 19 lenders have received CDFI Fund awards, together $129.6M in fiscal years 2000–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.

Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.

Where these lenders have offices

14 lenders

5 head offices and 15 branches or offices of 14 lenders on this page, within 35 miles of the centre of Jefferson County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Equipment loans (1 lender)
SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
Small-business loans (1 lender)
Commercial real estate loans (1 lender)
Auto / vehicle loans (1 lender)
Home mortgages (1 lender)

Banks and credit unions with a branch in this county

10 certified CDFIs have at least one office in Jefferson County (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 182 originated home loans for properties in Jefferson County in 2025 under the Home Mortgage Disclosure Act: 1.3% of the 14,244 home loans that all HMDA lenders reported here.

Plus 11 more certified CDFIs with fewer than 3 loans here each (not listed).

A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.

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.

Small business and SBA lending in Jefferson County

Official statistics

Median household income in Jefferson County is $66,388, 4% above the Alabama figure of $63,999 (ACS 2020–2024).

Businesses here took 34.9 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Alabama county (20.7), rank 7 of 67.

Measure	Jefferson County	Alabama
Businesses with paid employees (CBP 2023)	16,989 (16.1% of the state)	105,720
…of which under 20 employees	82%	84%
Businesses without employees (Nonemployer Statistics 2023)	57,252	388,978
Median household income (ACS 2020–2024)	$66,388 (4% above the state)	$63,999
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	593 (500 7(a), 93 504)	2,825
…per 1,000 businesses with employees	34.9 (rank 7 of 67 Alabama counties)	20.7 (median county)
Median SBA 7(a) loan, all lenders	$300,000	$289,800
…with a certified CDFI as lender, CDC or third-party lender	74 (12%)	328 (12%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (231 loans; 10% at the SBA maximum)	2.75 pts (11% at the maximum)

Approvals by fiscal year: FY2020 67 · FY2021 70 · FY2022 75 · FY2023 72 · FY2024 108 · FY2025 123 · FY2026 78.

For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).

Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.

SBA loans made here by CDFIs

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 74 SBA approvals (69 7(a) loans and 5 504 projects) for borrowers in Jefferson County in fiscal years 2020–2026, from 8 CDFIs. The 7(a) loans total $39M approved.

CDFIs with 3 or more: Sabre Finance d/b/a VentureSouth (32), Community Bank of Mississippi (16), BankFirst Financial Services (14), Peoples Bank (5). 4 more CDFIs made 1 or 2 each.

Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.

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 here (FY2022)

CDFI Fund data, released Dec 2024

278 loans and investments totaling $184.3M (median $246,598) were reported to the CDFI Fund for borrowers and projects in Jefferson County in fiscal year 2022, by 37 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Non-real estate business	82	$69.6M	$407,500
Non-real estate microenterprise	63	$1.3M	$21,445
Home purchase	39	$14M	$320,000
Real estate: single-family housing rehabilitation	31	$14.7M	$264,000
Real estate: commercial construction, permanent or acquisition	20	$35.8M	$745,000
Home improvement	16	$4.4M	$176,425
Other purposes	25	$19.8M

Of 23 individual borrowers whose income was reported, 39% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 3,519 consumer loans in Jefferson County totaling $17M (Consumer Loan Report, tract totals, so no median); they counted 19% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 23 · FY2019 42 · FY2020 212 · FY2021 2,078.

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.

Lenders whose website names Jefferson County or a town in it

Sabre Finance d/b/a VentureSouthLoan fund · Birmingham, ALEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansNames Birmingham · Alabama, with a focus on the greater Birmingham regionVerified

Headquartered in Jefferson County

The official list gives a headquarters address here. Check each lender's page for where it lends.

OPAL Community Capital LLCLoan fund · Birmingham, ALCommercial real estate loansVerified
SIXTH AVENUE BAPTIST FCUCredit union · Birmingham, ALAuto / vehicle loans, Home mortgagesVerified
Bronze Valley CorpVenture capital fund · Birmingham, ALOfficial list only
CAMINO LOAN FUND LLCLoan fund · Birmingham, ALOfficial list only

Say they serve all of Alabama

Free help before you apply

These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.

Business advice

Housing counseling

Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.