County directory · Alabama

CDFI lenders in Mobile County, AL

2 certified CDFIs name Mobile County or a town in it as part of their service area on their own website. 10 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: 2
Based here: 0
Branch here: 10
Serve all of AL: 4

A lender naming Mobile 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: Andalusia, Axis, Bayou La Batre, Bucks, Chunchula, Citronelle, Coden, Creola, Dauphin Island, Eight Mile, Grand Bay, Irvington….

Lenders compared for Mobile County

18 with local records

Lender	Local records	Loan sizes	Head office
1. Community Bank of Mississippi Bank or thrift, Flowood MS	2 offices here; 5 SBA loans here, FY2020–FY2026; 170 home loans here, 2025	ask	162 mi
2. CNB Bancorp Inc. Bank holding company, Mobile AL	website names Mobile; headquarters here; 2 offices here	ask	1 mi
3. Commonwealth National Bank Bank or thrift, Mobile AL	website names Mobile; headquarters here; 2 offices here	ask	1 mi
4. BANKPLUS Bank or thrift, Belzoni MS	2 offices here; 72 home loans here, 2025	ask	221 mi
5. United Bank Bank or thrift, Atmore AL	1 office here; 32 home loans here, 2025	ask	42 mi
6. First Suncoast Trust Bancshares, Inc. Bank holding company, Atmore AL	1 office here; 14 home loans here, 2025	ask	44 mi
7. Merchants & Marine Bank Bank or thrift, Pascagoula MS	2 offices here; 6 home loans here, 2025	ask	35 mi
8. HOPE FEDERAL CREDIT UNION Credit union, Jackson MS	34 home loans here, 2025	ask	165 mi
9. Chickasaw Community Bank Bank or thrift, Oklahoma City OK	11 home loans here, 2025	ask	646 mi
10. Change Lending, LLC Loan fund, Anaheim CA	8 home loans here, 2025	up to $3.5M	1,739 mi
11. Singing River Federal Credit Union Credit union, Moss Point MS	4 home loans here, 2025	ask	25 mi
12. Champions Funding, LLC Loan fund, Gilbert AZ	4 home loans here, 2025	up to $3M	1,391 mi
13. BankFirst Financial Services Bank or thrift, Columbus MS	3 SBA loans here, FY2020–FY2026	ask	192 mi
14. Merchants & Marine Bancorp, Inc. Bank holding company, Pascagoula MS	2 offices here	ask	35 mi
15. Community Bancshares of Mississippi, Inc. Bank holding company, Flowood MS	2 offices here	ask	162 mi
16. BancPlus Corporation Bank holding company, Ridgeland MS	2 offices here	ask	167 mi
17. First National Bank and Trust Bank or thrift, Atmore AL	1 office here	ask	42 mi
18. United Bancorporation of Alabama, Inc Bank holding company, Atmore AL	1 office here	ask	42 mi

14 of these 18 lenders have received CDFI Fund awards, together $156.6M 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

17 lenders

10 head offices and 180 branches or offices of 17 lenders on this page, within 115 miles of the centre of Mobile County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Commercial real estate loans (2 lenders)
Equipment loans (2 lenders)
Home mortgages (2 lenders)
Personal / consumer loans (2 lenders)
SBA-backed loans (7(a)/504/Community Advantage) (2 lenders)
Small-business loans (2 lenders)

Banks and credit unions with a branch in this county

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

CDFI mortgage lenders active here

Certified CDFIs reported 372 originated home loans for properties in Mobile County in 2025 under the Home Mortgage Disclosure Act: 4.7% of the 7,860 home loans that all HMDA lenders reported here.

Plus 12 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 Mobile County

Official statistics

Median household income in Mobile County is $58,880, 8% below the Alabama figure of $63,999 (ACS 2020–2024).

Businesses here took 28.6 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Alabama county (20.7), rank 16 of 67.

Measure	Mobile County	Alabama
Businesses with paid employees (CBP 2023)	8,960 (8.5% of the state)	105,720
…of which under 20 employees	83%	84%
Businesses without employees (Nonemployer Statistics 2023)	36,800	388,978
Median household income (ACS 2020–2024)	$58,880 (8% below the state)	$63,999
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	256 (232 7(a), 24 504)	2,825
…per 1,000 businesses with employees	28.6 (rank 16 of 67 Alabama counties)	20.7 (median county)
Median SBA 7(a) loan, all lenders	$254,450	$289,800
…with a certified CDFI as lender, CDC or third-party lender	16 (6%)	328 (12%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (102 loans; 14% at the SBA maximum)	2.75 pts (11% at the maximum)

Approvals by fiscal year: FY2020 23 · FY2021 33 · FY2022 37 · FY2023 41 · FY2024 43 · FY2025 51 · FY2026 28.

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 16 SBA approvals (10 7(a) loans and 6 504 projects) for borrowers in Mobile County in fiscal years 2020–2026, from 7 CDFIs. The 7(a) loans total $2.7M approved.

CDFIs with 3 or more: Community Bank of Mississippi (5), BankFirst Financial Services (3). 5 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

375 loans and investments totaling $181.2M (median $151,709) were reported to the CDFI Fund for borrowers and projects in Mobile County in fiscal year 2022, by 28 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home improvement	99	$26.2M	$160,000
Non-real estate business	89	$75.1M	$200,000
Non-real estate microenterprise	52	$1.1M	$21,409
Real estate: commercial construction, permanent or acquisition	48	$48.3M	$215,456
Home purchase	44	$16.7M	$209,844
Real estate: single-family housing rehabilitation	24	$4.6M	$172,750
Other purposes	19	$9.2M

CDFI banks and credit unions also reported 2,707 consumer loans in Mobile County totaling $9.4M (Consumer Loan Report, tract totals, so no median); they counted 34% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 289 · FY2019 234 · FY2020 868 · FY2021 2,607.

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 Mobile County or a town in it

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.