County directory · California

CDFI lenders in Riverside County, CA

1 certified CDFI names Riverside County or a town in it as part of their service area on their own website. 2 more are headquartered here. 2 more have a bank or credit-union branch here. 10 more say they serve all of California. 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: 2
Branch here: 2
Serve all of CA: 10

A lender naming Riverside 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: Aguanga, Anza, Banning, Beaumont, Blythe, Cabazon, Calimesa, Cathedral City, Coachella, Corona, Desert Center, Desert Hot Springs….

Lenders compared for Riverside County

18 with local records

Lender	Local records	Loan sizes	Head office
1. Altura Credit Union Credit union, Riverside CA	headquarters here; 24 offices here; 188 home loans here, 2025	up to $150,000	26 mi
2. Sun Community Federal Credit Union Credit union, El Centro CA	3 offices here; 9 home loans here, 2025	ask	106 mi
3. Change Lending, LLC Loan fund, Anaheim CA	169 home loans here, 2025	up to $3.5M	46 mi
4. Champions Funding, LLC Loan fund, Gilbert AZ	116 home loans here, 2025	up to $3M	304 mi
5. AmPac Tri-State CDC Inc. Loan fund, Ontario CA	98 SBA loans here, FY2020–FY2026	ask	43 mi
6. Financial Partners Credit Union Credit union, Downey CA	82 home loans here, 2025	ask	69 mi
7. MortgageOne, Inc Loan fund, Carlsbad CA	74 home loans here, 2025	$25,000–$2M	48 mi
8. GTE Federal Credit Union Credit union, Tampa FL	38 home loans here, 2025	ask	2,075 mi
9. Rize Federal Credit Union Credit union, Irwindale CA	26 home loans here, 2025	ask	62 mi
10. Mission Valley Bank Bank or thrift, Sun Valley CA	14 SBA loans here, FY2020–FY2026	ask	87 mi
11. USC Credit Union Credit union, Los Angeles CA	7 home loans here, 2025	ask	78 mi
12. First General Bank Bank or thrift, Rowland Heights CA	4 SBA loans here, FY2020–FY2026	ask	56 mi
13. Neighborhood National Bank Bank or thrift, National City CA	4 SBA loans here, FY2020–FY2026	ask	80 mi
14. OceanAir Federal Credit Union Credit union, Oxnard CA	3 home loans here, 2025	ask	131 mi
15. Main Street Launch Loan fund, Oakland CA	3 SBA loans here, FY2020–FY2026	up to $350,000	407 mi
16. Corazo Credit Union Credit union, El Centro CA	1 office here	ask	106 mi
17. First Community Capital, Inc. Loan fund, Riverside CA	headquarters here	$500–$250,000	26 mi
18. Neighborhood Partnership Housing Services, Inc. Loan fund, Rancho Cucamonga CA	website names Riverside County	ask	43 mi

15 of these 18 lenders have received CDFI Fund awards, together $77M in fiscal years 1999–2025 (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

20 lenders

17 head offices and 71 branches or offices of 20 lenders on this page, within 150 miles of the centre of Riverside County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Home mortgages (2 lenders)
Personal / consumer loans (2 lenders)
Home repair / improvement loans (1 lender)
Auto / vehicle loans (1 lender)
Small-dollar / emergency loans (1 lender)
Microloans (1 lender)
Nonprofit / community facility loans (1 lender)
Small-business loans (1 lender)

Banks and credit unions with a branch in this county

3 certified CDFIs have at least one office in Riverside County (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 720 originated home loans for properties in Riverside County in 2025 under the Home Mortgage Disclosure Act: 1.5% of the 48,866 home loans that all HMDA lenders reported here.

Plus 6 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 Riverside County

Official statistics

Median household income in Riverside County is $93,074, 6% below the California figure of $99,122 (ACS 2020–2024).

Businesses here took 65.4 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median California county (47.3), rank 5 of 58.

Measure	Riverside County	California
Businesses with paid employees (CBP 2023)	46,244 (4.5% of the state)	1,029,689
…of which under 20 employees	86%	87%
Businesses without employees (Nonemployer Statistics 2023)	197,967	3,537,469
Median household income (ACS 2020–2024)	$93,074 (6% below the state)	$99,122
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	3,025 (2,440 7(a), 585 504)	49,435
…per 1,000 businesses with employees	65.4 (rank 5 of 58 California counties)	47.3 (median county)
Median SBA 7(a) loan, all lenders	$245,000	$270,000
…with a certified CDFI as lender, CDC or third-party lender	129 (4%)	1,260 (3%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (1,034 loans; 16% at the SBA maximum)	2.75 pts (14% at the maximum)

Approvals by fiscal year: FY2020 317 · FY2021 385 · FY2022 380 · FY2023 411 · FY2024 558 · FY2025 507 · FY2026 467.

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 129 SBA approvals (52 7(a) loans and 77 504 projects) for borrowers in Riverside County in fiscal years 2020–2026, from 10 CDFIs. The 7(a) loans total $40.9M approved.

CDFIs with 3 or more: AmPac Tri-State CDC Inc. (98), Mission Valley Bank (14), First General Bank (4), Neighborhood National Bank (4), Main Street Launch (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

913 loans and investments totaling $209.9M (median $95,000) were reported to the CDFI Fund for borrowers and projects in Riverside County in fiscal year 2022, by 48 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home improvement	372	$45.1M	$100,000
Home purchase	265	$106.4M	$305,000
Non-real estate microenterprise	124	$2.2M	$15,449
Non-real estate business	77	$18.7M	$70,000
Consumer	30	$50,140	$248
None of the listed purposes	26	$3.9M	$101,800
Other purposes	19	$33.4M

Of 599 individual borrowers whose income was reported, 36% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 9,322 consumer loans in Riverside County totaling $172.8M (Consumer Loan Report, tract totals, so no median); they counted 28% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 298 · FY2019 271 · FY2020 246 · FY2021 4,011.

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 Riverside County or a town in it

Neighborhood Partnership Housing Services, Inc.Loan fund · Rancho Cucamonga, CAHome repair / improvement loans, Home mortgagesNames Riverside County · San Bernardino, Riverside, Eastern Los Angeles and Imperial CountiesVerified

Headquartered in Riverside County

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

Say they serve all of California

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.