City directory · California
CDFI lenders in San Jose, CA
4 Treasury-certified CDFIs are headquartered in San Jose, California: 2 loan funds · 2 credit unions. Loan details confirmed from their own websites for 4. Source: CDFI Fund list as of 21 Oct 2026.
- Certified
- 4
- Verified
- 4
- In California
- 97
Headquarters is not the same as service area: lenders elsewhere in California may also lend in San Jose. See all 97 CDFIs in California.
Loan types confirmed on these lenders' websites
- Small-business loans (2 lenders)
- Auto / vehicle loans (2 lenders)
- Home mortgages (2 lenders)
- Personal / consumer loans (2 lenders)
- Equipment loans (1 lender)
- SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
- Small-dollar / emergency loans (1 lender)
- Affordable housing development loans (1 lender)
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Excite Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans…Verified
- Housing Trust Silicon ValleyLoan fund · San Jose, CAAffordable housing development loansVerified
- Mirastar Federal Credit UnionCredit union · San Jose, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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
- Access SBDCSmall Business Development Center · 1887 Monterey Road, 2nd floor, San Jose, CA 95112408-385-9800
- Silicon Valley SBDCSmall Business Development Center · 210 N. Fourth Street, San Jose, CA 95112408-924-1402
- Silicon Valley SCORESCORE mentoring · c/o San Jose Chamber of Commerce, P.O. Box 149, San Jose, CA 95103408-453-6237
- AnewAmerica Community CorporationWomen's Business Center · 210 N. 4th Street, Suite 205, San Jose, CA 95112408-326-2669
Housing counseling
- Santa Clara County Asian Law AllianceHUD-approved housing counselor · 991 W Hedding St., Suite 202, San Jose, CA 95126408-287-9710
- Project SentinelHUD-approved housing counselor · 554 Valley Way, Milpitas, CA 95035408-470-3730
- Project SentinelHUD-approved housing counselor · 1490 El Camino Real, Santa Clara, CA 95050408-720-9888
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.
Other California cities with several CDFIs
Source: CDFI Atlas, cdfiatlas.com/states/ca/san-jose/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).