County directory · California

CDFI lenders in Santa Clara County, CA

2 certified CDFIs name Santa Clara County or a town in it as part of their service area on their own website. 4 more are headquartered here. 1 more has 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: 2
Based here: 4
Branch here: 1
Serve all of CA: 10

A lender naming Santa Clara 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: Alviso, Campbell, Coyote, Cupertino, Gilroy, Holy City, Los Altos, Los Gatos, Milpitas, Morgan Hill, Mount Hamilton, Mountain View….

Lenders compared for Santa Clara County

15 with local records

Lender	Local records	Loan sizes	Head office
1. Mirastar Federal Credit Union Credit union, San Jose CA	headquarters here; 7 offices here; 135 home loans here, 2025	ask	2 mi
2. Excite Credit Union Credit union, San Jose CA	headquarters here; 4 offices here; 8 home loans here, 2025	ask	9 mi
3. Change Lending, LLC Loan fund, Anaheim CA	104 home loans here, 2025	up to $3.5M	335 mi
4. Champions Funding, LLC Loan fund, Gilbert AZ	31 home loans here, 2025	up to $3M	639 mi
5. OceanAir Federal Credit Union Credit union, Oxnard CA	26 home loans here, 2025	ask	263 mi
6. GTE Federal Credit Union Credit union, Tampa FL	12 home loans here, 2025	ask	2,367 mi
7. AmPac Tri-State CDC Inc. Loan fund, Ontario CA	8 SBA loans here, FY2020–FY2026	ask	329 mi
8. Main Street Launch Loan fund, Oakland CA	4 SBA loans here, FY2020–FY2026	up to $350,000	39 mi
9. Valley Strong Credit Union Credit union, Bakersfield CA	4 home loans here, 2025	ask	210 mi
10. Mission Valley Bank Bank or thrift, Sun Valley CA	3 SBA loans here, FY2020–FY2026	ask	292 mi
11. Self-Help Federal Credit Union Credit union, Durham NC	1 office here	ask	2,367 mi
12. Accion Opportunity Fund Community Development Loan fund, San Jose CA	headquarters here	ask	2 mi
13. Housing Trust Silicon Valley Loan fund, San Jose CA	headquarters here	ask	2 mi
14. ICA Fund Venture capital fund, Oakland CA	website names Santa Clara County	ask	39 mi
15. Mission Community Loan Fund LLC Loan fund, San Francisco CA	website names Santa Clara County	$5,000–$10,000	40 mi

13 of these 15 lenders have received CDFI Fund awards, together $113.5M in fiscal years 1999–2024 (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

10 lenders

9 head offices and 12 branches or offices of 10 lenders on this page, within 40 miles of the centre of Santa Clara County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Small-business loans (4 lenders)
Auto / vehicle loans (2 lenders)
Home mortgages (2 lenders)
Personal / consumer loans (2 lenders)
Equity / venture investment (1 lender)
Equipment loans (1 lender)
SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
Small-dollar / emergency loans (1 lender)

Banks and credit unions with a branch in this county

3 certified CDFIs have at least one office in Santa Clara 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 326 originated home loans for properties in Santa Clara County in 2025 under the Home Mortgage Disclosure Act: 1.3% of the 25,677 home loans that all HMDA lenders reported here.

Plus 4 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 Santa Clara County

Official statistics

Median household income in Santa Clara County is $164,281, 66% above the California figure of $99,122 (ACS 2020–2024).

Businesses here took 37.4 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median California county (47.3), rank 46 of 58.

Measure	Santa Clara County	California
Businesses with paid employees (CBP 2023)	49,154 (4.8% of the state)	1,029,689
…of which under 20 employees	85%	87%
Businesses without employees (Nonemployer Statistics 2023)	140,135	3,537,469
Median household income (ACS 2020–2024)	$164,281 (66% above the state)	$99,122
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	1,840 (1,479 7(a), 361 504)	49,435
…per 1,000 businesses with employees	37.4 (rank 46 of 58 California counties)	47.3 (median county)
Median SBA 7(a) loan, all lenders	$300,000	$270,000
…with a certified CDFI as lender, CDC or third-party lender	16 (1%)	1,260 (3%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (670 loans; 14% at the SBA maximum)	2.75 pts (14% at the maximum)

Approvals by fiscal year: FY2020 212 · FY2021 262 · FY2022 204 · FY2023 242 · FY2024 319 · FY2025 351 · FY2026 250.

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 (11 7(a) loans and 5 504 projects) for borrowers in Santa Clara County in fiscal years 2020–2026, from 4 CDFIs. The 7(a) loans total $6.6M approved.

CDFIs with 3 or more: AmPac Tri-State CDC Inc. (8), Main Street Launch (4), Mission Valley 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

5,446 loans and investments totaling $213.8M (median $4,500) were reported to the CDFI Fund for borrowers and projects in Santa Clara County in fiscal year 2022, by 37 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Purpose (CDFI Fund category)	Count	Total	Median
Non-real estate microenterprise	5,131	$26M	$4,250
Home purchase	110	$113.3M	$801,311
Consumer	83	$189,567	$248
Non-real estate business	51	$14.9M	$94,485
Home improvement	45	$7.1M	$151,120
Real estate: multifamily housing rehabilitation	13	$9.7M	$613,000
Other purposes	11	$40.3M

Of 230 individual borrowers whose income was reported, 48% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 3,460 consumer loans in Santa Clara County totaling $39.1M (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 3,266 · FY2019 3,946 · FY2020 3,998 · FY2021 5,447.

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 Santa Clara County or a town in it

Headquartered in Santa Clara 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.