County directory · Connecticut
CDFI lenders in South Central Regional County, CT
6 are headquartered here. 3 more say they serve all of Connecticut. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).
- Name this county
- 0
- Based here
- 6
- Serve all of CT
- 3
None of the lender websites we read names South Central Regional 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: Bethany, Branford, Guilford, Hamden, Madison, Meriden, Milford, New Haven, North Branford, North Haven, Northford, Orange….
Lenders compared for South Central Regional County
8 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. First City Fund Corporation Bank holding company, New Haven CT | headquarters here; 2 offices here | ask | 2 mi |
| 2. New Haven Bank Bank or thrift, New Haven CT | headquarters here; 2 offices here | ask | 2 mi |
| 3. Champions Funding, LLC Loan fund, Gilbert AZ | 84 home loans here, 2025 | up to $3M | 2,184 mi |
| 4. Change Lending, LLC Loan fund, Anaheim CA | 12 home loans here, 2025 | up to $3.5M | 2,480 mi |
| 5. First Community Bancorp Inc. Bank holding company, New Haven CT | headquarters here | ask | 2 mi |
| 6. Capital for Change Loan fund, Wallingford CT | headquarters here | ask | 10 mi |
| 7. Community Economic Development Fund I, LLC Loan fund, Meriden CT | headquarters here | ask | 15 mi |
| 8. The Community Economic Development Fund Foundation, Inc. Loan fund, Meriden CT | headquarters here | ask | 15 mi |
4 of these 8 lenders have received CDFI Fund awards, together $20.7M 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
6 lenders6 head offices and 2 branches or offices of 6 lenders on this page, within 30 miles of the centre of South Central Regional County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Commercial real estate loans (2 lenders)
- Equipment loans (2 lenders)
- Small-business loans (2 lenders)
- Energy / solar / efficiency loans (1 lender)
- Home repair / improvement loans (1 lender)
- Affordable housing development loans (1 lender)
- Home mortgages (1 lender)
- SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
Banks and credit unions with a branch in this county
2 certified CDFIs have at least one office in South Central Regional County (FDIC office data as of 30 Oct 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- First City Fund CorporationBank holding company · New Haven, CT2 offices in South Central Regional County · based hereOfficial list only
- New Haven BankBank or thrift · New Haven, CTCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans2 offices in South Central Regional County · based hereVerified
CDFI mortgage lenders active here
Certified CDFIs reported 97 originated home loans for properties in South Central Regional County in 2025 under the Home Mortgage Disclosure Act.
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages84 home loans here in 2025 (HMDA)Verified
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages12 home loans here in 2025 (HMDA)Verified
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 South Central Regional County
Official statisticsMedian household income in South Central Regional County is $88,197, 8% below the Connecticut figure of $95,781 (ACS 2020–2024).
Businesses here took 58.3 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: about as many as the median Connecticut county (58.3), rank 5 of 9.
| Measure | South Central Regional County | Connecticut |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 13,779 (15.4% of the state) | 89,234 |
| …of which under 20 employees | 83% | 84% |
| Businesses without employees (Nonemployer Statistics 2023) | 49,250 | 326,020 |
| Median household income (ACS 2020–2024) | $88,197 (8% below the state) | $95,781 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 803 (725 7(a), 78 504) | 5,022 |
| …per 1,000 businesses with employees | 58.3 (rank 5 of 9 Connecticut counties) | 58.3 (median county) |
| Median SBA 7(a) loan, all lenders | $130,000 | $140,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 0 (0%) | 10 (0%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 3 pts (323 loans; 15% at the SBA maximum) | 3 pts (16% at the maximum) |
Approvals by fiscal year: FY2020 63 · FY2021 104 · FY2022 115 · FY2023 112 · FY2024 136 · FY2025 137 · FY2026 136.
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.
Headquartered in South Central Regional County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Capital for ChangeLoan fund · Wallingford, CTCommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Home repair / improvement loans…Verified
- New Haven BankBank or thrift · New Haven, CTCommercial real estate loans, Equipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Community Economic Development Fund I, LLCLoan fund · Meriden, CTOfficial list only
- First City Fund CorporationBank holding company · New Haven, CTOfficial list only
- First Community Bancorp Inc.Bank holding company · New Haven, CTOfficial list only
- The Community Economic Development Fund Foundation, Inc.Loan fund · Meriden, CTOfficial list only
Say they serve all of Connecticut
- Hartford Community Loan FundLoan fund · Hartford, CTHome repair / improvement loansVerified
- NYBDC Local Development CorporationLoan fund · Latham, NYCommercial real estate loans, Equipment loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Self-Help Federal Credit UnionCredit union · Durham, NCVerified
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
- Community Economic Development FundSmall Business Development Center · 965 E Main St., Meriden, CT 06450877-723-2828
- New HavenSmall Business Development Center · Greater New Haven Chamber of Commerce, 900 Chapel Street, 10th Floor, New Haven, CT 06510877-723-2828
- Women's Business Development CouncilWomen's Business Center · 470 James St, Suite 007, New Haven, CT 06513203-353-1750
- Western Connecticut SCORESCORE mentoring · 101 East Avenue, Norwalk, CT 06851203-831-0065 · about 29 miles from the centre of South Central Regional County
Housing counseling
- Capital for Change, Inc. (Housing Counseling Office)HUD-approved housing counselor · 10 Alexander Drive, Wallingford, CT 06492
- Mutual Housing Association of South Central CT, Inc. Dba Neighborworks New HorizonsHUD-approved housing counselor · 235 Grand Ave, New Haven, CT 06513203-562-4514
- Neighborhood Housing Services of New HavenHUD-approved housing counselor · 333 Sherman Ave, New Haven, CT 06511203-562-0598
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.
City pages in South Central Regional County
Source: CDFI Atlas, cdfiatlas.com/states/ct/counties/south-central-regional-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).