CDFI lenders in Sonoma County, CA

7 of these 9 lenders have received CDFI Fund awards, together $33.1M in fiscal years 2009–2025 (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.

10 head offices and 6 branches or offices of 11 lenders on this page, within 55 miles of the centre of Sonoma County. Lenders with no office nearby may still lend here; many work by phone and online.

CDFI mortgage lenders active here

Certified CDFIs reported 109 originated home loans for properties in Sonoma County in 2025 under the Home Mortgage Disclosure Act: 1.4% of the 7,921 home loans that all HMDA lenders reported here.

• MortgageOne, IncLoan fund · Carlsbad, CAHome mortgages60 home loans here in 2025 (HMDA)Verified
• GTE Federal Credit UnionCredit union · Tampa, FLHome mortgages, Personal / consumer loans22 home loans here in 2025 (HMDA)Verified
• Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages13 home loans here in 2025 (HMDA)Verified
• Change Lending, LLCLoan fund · Anaheim, CAHome mortgages11 home loans here in 2025 (HMDA)Verified

Plus 3 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 Originated loans only; applications that were denied, withdrawn or not accepted are not counted.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.

Median household income in Sonoma County is $104,674, 6% above the California figure of $99,122 (ACS 2020–2024).

Businesses here took 51.3 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median California county (47.3), rank 19 of 58.

Approvals by fiscal year: FY2020 67 · FY2021 128 · FY2022 112 · FY2023 90 · FY2024 106 · FY2025 140 · FY2026 105.

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.

Certified CDFIs were the lender, the CDC or the third-party lender on 12 SBA approvals (8 7(a) loans and 4 504 projects) for borrowers in Sonoma County in fiscal years 2020–2026, from 4 CDFIs. The 7(a) loans total $1.6M approved.

CDFIs with 3 or more: Main Street Launch (5), AmPac Tri-State CDC Inc. (4). 2 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.

110 loans and investments totaling $45.6M (median $16,650) were reported to the CDFI Fund for borrowers and projects in Sonoma County in fiscal year 2022, by 22 reporting CDFIs.

Of 71 individual borrowers whose income was reported, 69% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 824 consumer loans in Sonoma County totaling $3M (Consumer Loan Report, tract totals, so no median); they counted 4% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 55 · FY2019 88 · FY2020 87 · FY2021 305.

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.