CDFI mortgages in California

Counted from each lender's own website: a lender is listed when it describes mortgages on a page we read and is headquartered in California or names California, or a county or town in it, as its service area. 52 other verified lenders that serve California did not mention mortgages on the pages we read, and 26 lenders headquartered here have no verified data yet. Not mentioned does not mean not offered. A listing is not an offer: ask the lender.

What these 24 lenders say

Lender websites, 29 Oct 2026–4 Nov 2026

Lender types	9 loan funds, 15 credit unions
Largest amount stated	6 lenders state a maximum: median $759,750, range $200,000 to $2.5M
Smallest amount stated	1 lender state a minimum: median $25,000, lowest $25,000
Borrower focus stated	First-time homebuyers (8), Veterans (4), Low- and moderate-income / underserved (3), Startups (2), Native American / Alaska Native / Native Hawaiian (1), Minority / BIPOC (1)
Languages other than English	Spanish (6)
Online application link found	15 of 24
Service area stated on their site	11 of 24

See also all 97 CDFIs headquartered in California, CDFI mortgages in every state, the guide CDFI mortgages and down-payment help.

Headquartered in California (22)

• AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Variety of term options up to 30 years, with competitive fixed rates.Verified
• Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansApply now with one of our Mortgage Loan Officers who can assist you with any questions you have including your options for purchasing or refinancing a home.Verified
• Change Lending, LLCLoan fund · Anaheim, CAHome mortgagesup to $2.5MLoan amounts up to $2.5 millionVerified
• Coast Central Credit UnionCredit union · Eureka, CAAuto / vehicle loans, Energy / solar / efficiency loans, Home mortgagesFixed Rate Loans with 15 and 30-year terms (owner-occupied and non-owner occupied)Verified
• Corazo Credit UnionCredit union · El Centro, CAAuto / vehicle loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Whether you are looking to purchase your first home, refinance your existing mortgage loan or just want to tap into the equity you have already built up in your homeVerified
• Excite Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…Fixed-rate mortgages are consistent and predictable home financing options that arm you with peace of mind in every payment.Verified
• Housing Trust Fund of Santa Barbara CountyLoan fund · Santa Barbara, CAAffordable housing development loans, Home mortgagesup to $200,000Our innovative Workforce Homebuyer Program provides down payment loans up to $200,000 for households with income under 80% of AMI and up to $125,000 for households income from 80% to 230% AMI.Verified
• MERCO Credit UnionCredit union · Merced, CAAuto / vehicle loans, Home mortgagesWe offer Conventional, FHA, VA and more!Verified
• Mirastar Federal Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansWhether you’re buying your first home, refinancing, or tapping into your equity, you deserve someone who gets California’s market.Verified
• Modesto's First Federal Credit UnionCredit union · Modesto, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansLooking for the perfect mortgage in Modesto, CA?Verified
• MortgageOne, IncLoan fund · Carlsbad, CAHome mortgages$25,000 to $2MLoan amounts from $25,000 to $2,000,000Verified
• NEIGHBORHOOD HOUSING SERVICES OF THE INLAND EMPIRE, INC.Loan fund · San Bernardino, CAHome mortgagesWe work with several investors, allowing us to get you competitive rates on all types of loan programs including 30 yr mortgages, 20yr mortgages, 15yr mortgages, 10yr mortgages, ARMS (Adjustable Rate Mortgages) Conventional, FHA, VA, and Home Equity Lines.Verified
• Neighborhood Housing Services of Orange County, Inc.Loan fund · Orange, CAHome mortgageswe offer a variety of mortgage loans options that work with varying credit scores, down payment assistance programs, and all financial backgroundsVerified
• Neighborhood Partnership Housing Services, Inc.Loan fund · Rancho Cucamonga, CAHome repair / improvement loans, Home mortgagesNPHS offers a variety of mortgage financing products including FHA, conventional, VA, and multiple down payment and closing cost assistance programs.Verified
• Rolling F Credit UnionCredit union · Turlock, CAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansup to $200,000MAX: $200,000.00Verified
• Santa Cruz Community Credit UnionCredit union · Santa Cruz, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Small-dollar / emergency loans…Purchase a new home or refinance with a better rate or term.Verified
• Springboard CDFILoan fund · National City, CAHome mortgagesSpringboard Home Loans helps individuals find the best mortgage financing options available to them.Verified
• Tucoemas Federal Credit UnionCredit union · Visalia, CAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Home repair / improvement loans…Your dream home, our flexible mortgages.Verified
• USC Credit UnionCredit union · Los Angeles, CAAuto / vehicle loans, Energy / solar / efficiency loans, Home mortgages, Personal / consumer loansAffordable fixed-rate and adjustable-rate conventional mortgagesVerified
• Valley First Federal Credit UnionCredit union · Modesto, CAAuto / vehicle loans, Energy / solar / efficiency loans, Microloans, Home mortgages…We offer 15-, 30- and 40-Year mortgagesVerified
• Valley Strong Credit UnionCredit union · Bakersfield, CAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…A fixed-rate mortgage is a loan where the interest rate remains the same for the entire term of the loan, guaranteeing consistent monthly payments.Verified
• Ventura County Community Development CorporationLoan fund · Oxnard, CAHome mortgagesup to $713,000Maximum loan amount of $713,000Verified

Based elsewhere, say they serve California (2)

Their own website names California, or a county or town in it, in its service area.

• Native Community CapitalLoan fund · Laguna, NM · Native CDFIAffordable housing development loans, Home mortgages, Personal / consumer loans, Small-business loansLoans for the purchase of new or existing homes including manufactured homes on or off tribal lands.Service area: Primarily New Mexico and Arizona, with some financing in California, Hawaii and Oklahoma; Southwest U.S. focusVerified
• Rogue Credit UnionCredit union · Medford, ORAuto / vehicle loans, Home mortgagesup to $806,500Purchase your new home with as little as 3% down, with 10- to 30-year terms available. Loans up to $806,500Service area: Oregon, Western Idaho and Northern California service areaVerified

National lenders (2)

These lenders say they lend nationwide and do not exclude California. They are not counted above.

• Champions Funding, LLCLoan fund · Gilbert, AZHome mortgagesFinancing for personal purposes. Owner-occupied and second homes.Verified
• Entertainment Industries FCUCredit union · Elizabeth, NJAuto / vehicle loans, Home mortgagesWhether you prefer the stability of a fixed-rate mortgage or the flexibility of an adjustable-rate mortgage, we have mortgage options to fit your budgetVerified

County pages in California with these lenders

Number of lenders above that name the county (or a town in it) on their website or are headquartered there.

Other loan types in California

CDFI mortgages in other states

CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement. Disclaimer.