County directory · California

CDFI lenders in Sacramento County, CA

2 are headquartered here. 3 more have a bank or credit-union branch here. 11 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: 0
Based here: 2
Branch here: 3
Serve all of CA: 11

None of the lender websites we read names Sacramento County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Antelope, Carmichael, Citrus Heights, Courtland, Elk Grove, Elverta, Fair Oaks, Folsom, Galt, Herald, Hood, Isleton….

Lenders compared for Sacramento County

16 with local records

Lender	Local records	Loan sizes	Head office
1. Self-Help Federal Credit Union Credit union, Durham NC	1 office here; 17 home loans here, 2025	ask	2,326 mi
2. Beneficial State Bank Bank or thrift, Oakland CA	1 office here; 6 SBA loans here, FY2020–FY2026	ask	69 mi
3. Champions Funding, LLC Loan fund, Gilbert AZ	62 home loans here, 2025	up to $3M	655 mi
4. Change Lending, LLC Loan fund, Anaheim CA	52 home loans here, 2025	up to $3.5M	385 mi
5. AmPac Tri-State CDC Inc. Loan fund, Ontario CA	30 SBA loans here, FY2020–FY2026	ask	376 mi
6. GTE Federal Credit Union Credit union, Tampa FL	24 home loans here, 2025	ask	2,348 mi
7. Valley Strong Credit Union Credit union, Bakersfield CA	12 home loans here, 2025	ask	260 mi
8. Main Street Launch Loan fund, Oakland CA	8 SBA loans here, FY2020–FY2026	up to $350,000	69 mi
9. OceanAir Federal Credit Union Credit union, Oxnard CA	7 home loans here, 2025	ask	325 mi
10. MortgageOne, Inc Loan fund, Carlsbad CA	7 home loans here, 2025	$25,000–$2M	439 mi
11. Mirastar Federal Credit Union Credit union, San Jose CA	3 home loans here, 2025	ask	89 mi
12. USC Credit Union Credit union, Los Angeles CA	3 home loans here, 2025	ask	359 mi
13. First General Bank Bank or thrift, Rowland Heights CA	3 SBA loans here, FY2020–FY2026	ask	373 mi
14. Beneficial State Bancorp, Inc. Bank holding company, Oakland CA	1 office here	ask	69 mi
15. Economic Justice Fund Loan fund, Sacramento CA	headquarters here	ask	3 mi
16. California Capital Small Business Financial Development Corporation Loan fund, Sacramento CA	headquarters here	ask	3 mi

13 of these 16 lenders have received CDFI Fund awards, together $109.4M in fiscal years 2002–2024 (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

6 lenders

2 head offices and 8 branches or offices of 6 lenders on this page, within 40 miles of the centre of Sacramento County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Microloans (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 Sacramento 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 189 originated home loans for properties in Sacramento County in 2025 under the Home Mortgage Disclosure Act: 0.7% of the 28,766 home loans that all HMDA lenders reported here.

Plus 1 more certified CDFI 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 Sacramento County

Official statistics

Median household income in Sacramento County is $92,175, 7% below the California figure of $99,122 (ACS 2020–2024).

Businesses here took 57.9 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median California county (47.3), rank 11 of 58.

Measure	Sacramento County	California
Businesses with paid employees (CBP 2023)	34,280 (3.3% of the state)	1,029,689
…of which under 20 employees	85%	87%
Businesses without employees (Nonemployer Statistics 2023)	126,634	3,537,469
Median household income (ACS 2020–2024)	$92,175 (7% below the state)	$99,122
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	1,985 (1,634 7(a), 351 504)	49,435
…per 1,000 businesses with employees	57.9 (rank 11 of 58 California counties)	47.3 (median county)
Median SBA 7(a) loan, all lenders	$275,000	$270,000
…with a certified CDFI as lender, CDC or third-party lender	48 (2%)	1,260 (3%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (693 loans; 13% at the SBA maximum)	2.75 pts (14% at the maximum)

Approvals by fiscal year: FY2020 234 · FY2021 278 · FY2022 247 · FY2023 263 · FY2024 349 · FY2025 322 · FY2026 292.

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 48 SBA approvals (19 7(a) loans and 29 504 projects) for borrowers in Sacramento County in fiscal years 2020–2026, from 5 CDFIs. The 7(a) loans total $13.6M approved.

CDFIs with 3 or more: AmPac Tri-State CDC Inc. (30), Main Street Launch (8), Beneficial State Bank (6), First General Bank (3). 1 more CDFI 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

373 loans and investments totaling $128.5M (median $55,221) were reported to the CDFI Fund for borrowers and projects in Sacramento County in fiscal year 2022, by 33 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Consumer	107	$239,728	$700
Non-real estate business	94	$17.8M	$93,246
Home purchase	67	$29.7M	$360,000
Non-real estate microenterprise	50	$984,976	$17,686
Home improvement	24	$2.6M	$62,000
Real estate: commercial construction, permanent or acquisition	9	$12.7M	$600,000
Other purposes	22	$64.5M

Of 184 individual borrowers whose income was reported, 62% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 4,368 consumer loans in Sacramento County totaling $25.1M (Consumer Loan Report, tract totals, so no median); they counted 5% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 226 · FY2019 332 · FY2020 287 · FY2021 3,193.

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 Sacramento 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.