CDFI lenders in California

• 19 · Name a county or town in CALender websites, read 29 Oct 2026–4 Nov 2026
• 10 · Lend statewideLender websites, read 29 Oct 2026–4 Nov 2026
• 16 · Name California or part of itLender websites, read 29 Oct 2026–4 Nov 2026
• 57 · Headquartered here, no area statedCDFI Fund list, 21 Oct 2026
• 4 · Based elsewhere, branch hereFDIC office data as of 30 Oct 2026, NCUA branch data as of 30 Jun 2026
• 37 · Say they lend nationwideLender websites, read 29 Oct 2026–4 Nov 2026

Each lender is listed once, under the strongest evidence we have. 97 certified CDFIs are headquartered in California (CDFI Fund list, 21 Oct 2026); 40 of them appear in the first groups because their website names an area here.

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

48 certified loan funds headquartered in California are matched to a Form 990 or 990-EZ; median total assets $18.6M. End-of-year figures self-reported to the IRS, from the IRS Annual Extract of Tax-Exempt Organization Financial Data; each row shows its own fiscal year. Assets are the organisation’s whole balance sheet, not only its loans; “Loans receivable” is Form 990 Part X line 7 (notes and loans receivable); “—” means that line was empty or zero, not that the fund has no loans.

Certified CDFIs were the lender, the CDC or the third-party lender on 1,260 SBA approvals (725 7(a) loans and 535 504 projects) for borrowers in California in fiscal years 2020–2026, from 29 CDFIs. The 7(a) loans total $519.5M approved.

Most SBA approvals here: AmPac Tri-State CDC Inc. (636), Mission Valley Bank (185), Main Street Launch (110), First General Bank (58), Neighborhood National Bank (43).

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.

42,375 loans and investments totaling $5.4B (median $5,965) were reported to the CDFI Fund for borrowers and projects in California in fiscal year 2022, by 165 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Of 9,379 individual borrowers whose income was reported, 42% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 166,865 consumer loans in California totaling $2.5B (Consumer Loan Report, tract totals, so no median); they counted 32% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 49 California counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

Loans and investments reported in other years: FY2018 25,491 · FY2019 29,683 · FY2020 28,000 · FY2021 81,910.

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.

97 certified CDFIs: 60 loan funds · 27 credit unions · 5 banks or thrifts · 4 bank holding companies · 1 venture capital fund; 3 flagged Native. A headquarters address is not a service area; each lender is also listed in its group above.

• Anaheim (1): Change Lending, LLC
• Aptos (1): California FarmLink
• Bakersfield (1): Valley Strong Credit Union
• Camarillo (1): Housing Trust Fund Ventura County
• Carlsbad (1): MortgageOne, Inc
• Chico (1): 3CORE, Inc.
• Concord (1): Apoyo Financiero Inc.
• Culver City (1): Century Housing Corporation
• Daly City (1): Pacific Community Fund
• Downey (1): Financial Partners Credit Union
• El Centro (2): Corazo Credit Union, Sun Community Federal Credit Union
• Eureka (4): Arcata Economic Development Corporation, Coast Central Credit Union, REDWOOD CAPITAL BANCORP, REDWOOD CAPITAL BANK · city page
• Fresno (3): Fresno Area Hispanic Foundation, Fresno Community Development Financial Institution dba Access Plus Capital, Valley Small Business Development Corporation · city page
• Glendale (1): California Community Reinvestment Corp.
• Happy Camp (1): FIVE RIVERS LOAN FUND, INC
• Irwindale (1): Rize Federal Credit Union
• Klamath (1): Yurok Alliance for Northern California Housing
• Lake Forest (1): Clearinghouse Community Development Financial Institution
• Livermore (1): SMW 104 Federal Credit Union
• Los Angeles (10): B.S.D. Capital, Inc. dba Lendistry, Episcopal Community Federal Credit Union, Genesis LA Economic Growth Corporation, Inclusive Action for the City, NHS Neighborhood Lending Services, PACE Finance Corporation, Pacific Coast Regional, Small Business Development Corporation, Sustainable Communities Fund, USC Credit Union, Vermont-Slauson LDC, Inc. · city page
• Malibu (1): United States Real Estate Corporation
• Merced (1): MERCO Credit Union
• Modesto (3): Mocse Federal Credit Union, Modesto's First Federal Credit Union, Valley First Federal Credit Union · city page
• National City (3): Neighborhood Bancorp, Neighborhood National Bank, Springboard CDFI · city page
• Newport Beach (1): Global Finance CDFI LLC
• Oakland (7): Beneficial State Bancorp, Inc., Beneficial State Bank, Habitat Community Capital, ICA Fund, Main Street Launch, Pacific Community Ventures, Inc., TMCCommunityCapital · city page
• Ontario (2): AmPac Tri-State CDC Inc., Vida Federal Credit Union
• Orange (1): Neighborhood Housing Services of Orange County, Inc.
• Oxnard (2): OceanAir Federal Credit Union, Ventura County Community Development Corporation
• Rancho Cucamonga (1): Neighborhood Partnership Housing Services, Inc.
• Redding (1): Members 1st Credit Union
• Richmond (2): Atchison Village Credit Union, Community First Lending
• Ridgecrest (1): AltaOne Federal Credit Union
• Riverside (2): Altura Credit Union, First Community Capital, Inc.
• Rowland Heights (1): First General Bank
• Sacramento (2): California Capital Small Business Financial Development Corporation, Economic Justice Fund
• Salinas (1): California Coastal Rural Development Corporation
• San Bernardino (1): NEIGHBORHOOD HOUSING SERVICES OF THE INLAND EMPIRE, INC.
• San Diego (2): Accessity, Civic Community Partners, Inc.
• San Francisco (9): Community Vision Capital and Consulting, Feed the Hunger Fund, Low Income Investment Fund, Mission Asset Fund, Mission Community Loan Fund LLC, Northeast Community Federal Credit Union, REDF Impact Investing Fund, San Francisco Housing Accelerator Fund, The, Working Solutions CDFI · city page
• San Jose (4): Accion Opportunity Fund Community Development, Excite Credit Union, Housing Trust Silicon Valley, Mirastar Federal Credit Union · city page
• San Luis Obispo (1): San Luis Obispo County Housing Trust Fund
• Santa Barbara (1): Housing Trust Fund of Santa Barbara County
• Santa Cruz (2): American Nonprofits, Inc., Santa Cruz Community Credit Union
• Santa Maria (1): CoastHills Federal Credit Union, dba CoastHills Credit Union
• Sausalito (1): Creser Capital Fund
• Sun Valley (2): Mission Valley Bancorp, Mission Valley Bank
• Turlock (1): Rolling F Credit Union
• Ukiah (1): Economic Development and Financing Corporation
• Visalia (1): Tucoemas Federal Credit Union
• West Sacramento (1): Rural Community Assistance Corporation
• Windsor (1): Westwater Financial, Inc.
• Yreka (1): Siskiyou Credit Union