State directory · DC
CDFI lenders in District of Columbia
59 certified CDFIs lend in District of Columbia, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 20 are headquartered here. Grouped below by the evidence. Sources: CDFI Fund list as of 21 Oct 2026; lender websites read 29 Oct 2026–4 Nov 2026.
- Lend here
- 59
- Headquartered here
- 20
- Verified from lender sites
- 49
Who lends in District of Columbia
59 lenders, each counted once- 1 · Lend statewideLender websites, read 29 Oct 2026–4 Nov 2026
- 2 · Name District of Columbia or part of itLender websites, read 29 Oct 2026–4 Nov 2026
- 19 · Headquartered here, no area statedCDFI Fund list, 21 Oct 2026
- 37 · Say they lend nationwideLender websites, read 29 Oct 2026–4 Nov 2026
Each lender is listed once, under the strongest evidence we have. 20 certified CDFIs are headquartered in District of Columbia (CDFI Fund list, 21 Oct 2026); 1 of them appears in the first groups because their website names an area here.
By loan type
Lenders that name an area in District of Columbia or are headquartered here and describe the loan type on their own website (Lender websites, read 29 Oct 2026–4 Nov 2026). Not mentioned does not mean not offered.
Cities with a CDFI headquarters
A listing here is evidence, not an offer: confirm with the lender that it lends where you are and to borrowers like you. For your exact address, search your ZIP code in the finder.
Lend throughout District of Columbia (1)
Their website's service area covers all of District of Columbia (statewide wording, or a list of whole states). Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
Name District of Columbia or a region of it in their service area (2)
Their website names District of Columbia or a region of it, without saying statewide or naming a county or town. Check the exact area with the lender. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
- City First Enterprises IncBank holding company · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Affordable housing development loans…
Washington, DC and communities across the Mid-Atlantic Region
Verified - ECDC Enterprise Development GroupLoan fund · Arlington, VAAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…
Businesses located in DC, Maryland and Virginia (Metro Washington area)
Verified
Headquartered in District of Columbia, no service area stated here (19)
The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in District of Columbia. The pages we read name no county, town, region or statewide area in District of Columbia, or we have not read the lender's website yet; where a lender states an area elsewhere or nationwide, it is shown on its row. Not found does not mean they do not lend here.
- Baba's Cooking School LLC dba EatsPlaceLoan fund · Washington, DCAgriculture / farm loans, Equity / venture investment, Small-business loansVerified
- City First Bank, N.A.Bank or thrift · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- DC Federal Credit UnionCredit union · Washington, DCAuto / vehicle loans, Personal / consumer loansVerified
- Housing Assistance CouncilLoan fund · Washington, DCAffordable housing development loansVerified
- Industrial BankBank or thrift · Washington, DCSBA-backed loans (7(a)/504/Community Advantage)Verified
- Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development CenterLoan fund · Washington, DCCredit-builder loans, Microloans, Small-business loansService area stated:
Montgomery County and throughout Maryland; Frederick County, MD (EmPOWER)
Verified - National Housing Trust Community Development FundLoan fund · Washington, DCEnergy / solar / efficiency loans, Affordable housing development loansVerified
- Partners for the Common Good, Inc.Loan fund · Washington, DCCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansService area stated:
Nationwide; finances affordable housing, community facilities and other projects.
Verified - Resident Ownership Capital, LLC dba ROC USA CapitalLoan fund · Washington, DCAffordable housing development loansService area stated:
Nationwide, coast to coast, through affiliates and an in-house team
Verified - Building Hope FinanceLoan fund · Washington, DCOfficial list only
- CBA FundLoan fund · Washington, DCOfficial list only
- City First Homes Inc.Loan fund · Washington, DCOfficial list only
- DEVELOPING AFFORDABLE STARTER HOMES FUND, LLCLoan fund · Washington, DCOfficial list only
- Institute for Community EconomicsLoan fund · Washington, DCOfficial list only
- Life Asset, Inc.Loan fund · Washington, DCOfficial list only
- NCRC Community Development Fund, IncLoan fund · Washington, DCOfficial list only
- O.A.S. Staff Federal Credit UnionCredit union · Washington, DCOfficial list only
- Opportunity Finance NetworkLoan fund · Washington, DCOfficial list only
- Washington Area Community Investment FundLoan fund · Washington, DCOfficial list only
Say they lend nationwide (37)
Their website says they lend across the United States and does not exclude District of Columbia. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
Show the 37 lenders that say they lend nationwide
- BlueHub Loan Fund IncLoan fund · Boston, MAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
National lender with investments in 25 states, Washington DC and Puerto Rico
Verified - Bridge Investment Community Development CorporationLoan fund · Rock Island, ILAffordable housing development loans, Microloans, Small-business loans
National service area with a primary focus on Investment Areas in Iowa and Illinois
Verified - Business Consortium Fund, Inc.Loan fund · New York, NYSmall-business loans
Small businesses across the United States
Verified - Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages
Across the country (nationwide), for homeowners in underserved communities
Verified - Community Development Trust, LP, TheLoan fund · New York, NYAffordable housing development loans
Nationwide: affordable housing communities across the United States
Verified - Community Housing Capital, Inc.Loan fund · Decatur, GAAffordable housing development loans
Nationwide, for NeighborWorks America organizations
Verified - Community Preservation CorporationLoan fund · New York, NYCommercial real estate loans, Equity / venture investment
National lender serving communities across the U.S.
Verified - Dakota ResourcesLoan fund · Renner, SDMicroloans, Nonprofit / community facility loans
Rural places nationwide
Verified - Disability Fund, Inc., TheLoan fund · Rockville Centre, NYAffordable housing development loans
Projects for people with disabilities throughout the United States
Verified - Enterprise Community Loan Fund, Inc.Loan fund · Columbia, MDEquity / venture investment
Deals in every state, Washington, D.C., and Puerto Rico
Verified - Entertainment Industries FCUCredit union · Elizabeth, NJAuto / vehicle loans, Home mortgages
Mortgages offered in all 50 states
Verified - Five Points Community Capital, LLCLoan fund · Austin, TXAffordable housing development loans, Small-business loans
Vulnerable and low-income communities throughout the United States, with a targeted focus on rural areas
Verified - Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loans
Businesses throughout the country; 35 states served
Verified - Grow America Fund, Inc.Loan fund · Boston, MASmall-business loans
Small business lending in communities across the United States
Verified - Housing Partnership Fund, Inc., TheLoan fund · Boston, MAAffordable housing development loans
Nationwide, serving nonprofit developers of affordable housing
Verified - Local Initiatives Support CorporationLoan fund · New York, NYChild-care facility financing, Affordable housing development loans, Nonprofit / community facility loans, Small-business loans
Nationwide: offers financing to organizations across the country
Verified - Mercy Community CapitalLoan fund · Denver, COAffordable housing development loans
Affordable housing developments located in the United States
Verified - Mobility Credit Acceptance LLCLoan fund · Richmond, VAAuto / vehicle loans, Equipment loans, Home repair / improvement loans
Nationwide, through a network of dealers and manufacturers
Verified - NDC Community Impact Loan FundLoan fund · Boston, MASmall-business loans
Small business lending in communities across the United States
Verified - National Association for Latino Community Asset BuildersLoan fund · San Antonio, TXCommercial real estate loans
Nonprofit member organizations across the United States
Verified - National Community Investment FundVenture capital fund · Chicago, ILAffordable housing development loans, Small-business loans
Across the country: small towns, rural areas and urban neighborhoods
Verified - Neighborworks Capital CorporationLoan fund · Silver Spring, MDAffordable housing development loans
Nationwide; NeighborWorks network members active in every state, DC and Puerto Rico
Verified - Nonprofit Finance FundLoan fund · New York, NYChild-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans…
Mission-driven organizations across the United States
Verified - OPAL Community Capital LLCLoan fund · Birmingham, ALCommercial real estate loans
Mostly nationwide for historic tax credit transactions; some deals in eligible geographies
Verified - Primary Care Development CorporationLoan fund · New York, NYEquipment loans, Nonprofit / community facility loans
Nationwide: community-based health providers across the country
Verified - REDF Impact Investing FundLoan fund · San Francisco, CACommercial real estate loans, Small-business loans
Invests in small businesses across the U.S.
Verified - Raza Development Fund, Inc.Loan fund · Phoenix, AZNonprofit / community facility loans
Communities across America (no states named)
Verified - Reinvestment Fund, Inc., TheLoan fund · Philadelphia, PAChild-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…
Lends across the country (national)
Verified - Rocky Mountain Community Reinvestment CorporationLoan fund · Salt Lake City, UTAffordable housing development loans
Across the United States, financing affordable housing nationwide
Verified - Shared Capital CooperativeLoan fund · Saint Paul, MNCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loans
Any US business or housing cooperative
Verified - Springboard CDFILoan fund · National City, CAHome mortgages
National (nationwide) lender
Verified - The Community Business Investment Fund, LLCLoan fund · Austin, TXAffordable housing development loans
Nationwide; prioritizes investment in rural communities
Verified - The Housing Partnership Network, Inc.Loan fund · Boston, MAAffordable housing development loans
Nationwide lending to nonprofit housing developers
Verified - The Sunlight Loan Fund, LLCLoan fund · Minneapolis, MNChild-care facility financing
Nationwide across the United States
Verified - Triple Bottom Line FoundationLoan fund · Lakewood, COEnergy / solar / efficiency loans
National (United States)
Verified - UPI LOAN FUNDLoan fund · Chandler, AZPersonal / consumer loans, Small-business loans
Underserved low- to moderate-income communities across the United States
Verified - Urban Strategies IncLoan fund · Saint Louis, MOMicroloans, Small-business loans
Urban communities nationally
Verified
More loan types in District of Columbia
Lender websites, read 29 Oct 2026–4 Nov 2026Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.
Small Business Loans (5)
- City First Enterprises IncBank holding company · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Affordable housing development loans…
$100K-$500K*
Verified - ECDC Enterprise Development GroupLoan fund · Arlington, VAAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…
by providing business loans in the Metro Washington area.
Verified - Baba's Cooking School LLC dba EatsPlaceLoan fund · Washington, DCAgriculture / farm loans, Equity / venture investment, Small-business loans
Loan Amount Range: $500 to $10,000
Verified - City First Bank, N.A.Bank or thrift · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans, SBA-backed loans (7(a)/504/Community Advantage)…
City First Bank empowers businesses with tailored financing solutions for commercial real estate purchases, equipment, and working capital.
Verified - Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development CenterLoan fund · Washington, DCCredit-builder loans, Microloans, Small-business loans
Loans from $1,000 to $250,000
Verified
Microloans (2)
- ECDC Enterprise Development GroupLoan fund · Arlington, VAAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…
EDG provides small business loans ranging from $500 to $50,000 to startup small business or expand existing businesses including
Verified - Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development CenterLoan fund · Washington, DCCredit-builder loans, Microloans, Small-business loans
The EmPOWER Loan Program will provide fixed-interest-rate loans of up to $10,000 to EmPOWER Mentorship graduates in good standing with the State of Maryland.
Verified
SBA Loans (2)
- City First Bank, N.A.Bank or thrift · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans, SBA-backed loans (7(a)/504/Community Advantage)…
SBA-guaranteed loan pathways
Verified - Industrial BankBank or thrift · Washington, DCSBA-backed loans (7(a)/504/Community Advantage)
SBA Preferred Lender
Verified
Commercial Real Estate Loans (3)
- City First Enterprises IncBank holding company · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Affordable housing development loans…
$100,000 - $3 Million+
Verified - City First Bank, N.A.Bank or thrift · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans, SBA-backed loans (7(a)/504/Community Advantage)…
Commercial real estate loans for property acquisition
Verified - Partners for the Common Good, Inc.Loan fund · Washington, DCCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
We offer commercial real estate development loans, creating new spaces for mission-driven organizations and small businesses to bring economic opportunity to communities most in need.
Verified
Equipment Loans (1)
Personal Loans (3)
- Democracy FCUCredit union · Alexandria, VAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loans
Loan amounts from $100 to $40,000*
Verified - ECDC Enterprise Development GroupLoan fund · Arlington, VAAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…
Anyone with a need for a small dollar amount can borrow up to $2,500 to be paid within two years.
Verified - DC Federal Credit UnionCredit union · Washington, DCAuto / vehicle loans, Personal / consumer loans
Personal Loans
Verified
Auto Loans (3)
- Democracy FCUCredit union · Alexandria, VAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loans
Refinance up to $60,000
Verified - ECDC Enterprise Development GroupLoan fund · Arlington, VAAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…
EDG provides a car loan up to $15,000.00.
Verified - DC Federal Credit UnionCredit union · Washington, DCAuto / vehicle loans, Personal / consumer loans
Get rolling today with an auto loan from DC Credit Union
Verified
Credit-Builder Loans (3)
- Democracy FCUCredit union · Alexandria, VAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loans
Build a stronger credit history with borrowing options designed to help.
Verified - ECDC Enterprise Development GroupLoan fund · Arlington, VAAuto / vehicle loans, Credit-builder loans, Microloans, Personal / consumer loans…
The target market for this loan product are individuals whose credit scores that can be improved with a small loan and financial education
Verified - Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development CenterLoan fund · Washington, DCCredit-builder loans, Microloans, Small-business loans
Employed individuals or business owners aiming to improve their credit history.
Verified
Small-Dollar Emergency Loans (1)
Farm and Agriculture Loans (1)
Affordable Housing Development Loans (6)
- City First Enterprises IncBank holding company · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Affordable housing development loans…
$100K-$3 Million+
Verified - City First Bank, N.A.Bank or thrift · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans, SBA-backed loans (7(a)/504/Community Advantage)…
City First Bank delivers customized financing solutions for affordable housing developers
Verified - Housing Assistance CouncilLoan fund · Washington, DCAffordable housing development loans
HAC provides flexible capital to meet rural housing development and preservation needs throughout the development process, including:
Verified - National Housing Trust Community Development FundLoan fund · Washington, DCEnergy / solar / efficiency loans, Affordable housing development loans
Loans for affordable housing developers looking to complete an acquisition for an asset but lack liquid capital.
Verified - Partners for the Common Good, Inc.Loan fund · Washington, DCCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
We support every stage of affordable housing development: predevelopment, acquisition, bridge, construction/rehab, and mini-perm financing.
Verified - Resident Ownership Capital, LLC dba ROC USA CapitalLoan fund · Washington, DCAffordable housing development loans
Acquisition & Capital Improvement Financing
Verified
Nonprofit Facility Loans (1)
Energy and Solar Loans (3)
- City First Enterprises IncBank holding company · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Equipment loans, Affordable housing development loans…
Solar, energy efficiency, other green projects
Verified - City First Bank, N.A.Bank or thrift · Washington, DCCommercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans, SBA-backed loans (7(a)/504/Community Advantage)…
Fund Energy Efficiency Projects Now, Pay Over Time with PACE Financing
Verified - National Housing Trust Community Development FundLoan fund · Washington, DCEnergy / solar / efficiency loans, Affordable housing development loans
Loans offered to multi-family property owners to improve operations through property improvements that reduce energy and water consumption.
Verified
CDFI Fund awards
18 of the 20 certified CDFIs headquartered in District of Columbia have received CDFI Fund awards, $182.1 million in total; the largest: National Housing Trust Community Development Fund ($28.8 million), Housing Assistance Council ($27.3 million), Opportunity Finance Network ($26.7 million). All CDFI Fund award recipients based in District of Columbia, certified today or not: $213.6 million in 205 awards, 1996–2025. Separately, Treasury's ECIP invested $922,000 in 1 certified CDFI based here.
Awards go to the institutions, not to borrowers; totals exclude New Markets Tax Credit allocations and bond guarantees. All states ranked. Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
Free help in District of Columbia
Free or low-cost advice before you apply: 1 Small Business Development Center office; 1 SCORE chapter; 1 Women's Business Center; 19 HUD-approved housing counseling agencies. Each county page lists the ones nearest to it. Sources: SBA local assistance listings (6 Nov 2026) and HUD's list of approved housing counseling agencies (last updated 9 Apr 2025).
Largest nonprofit loan funds based in District of Columbia
IRS Form 990 data| Loan fund | Total assets | Loans receivable | FY ends |
|---|---|---|---|
| National Housing Trust Community Development Fund | $71.7M | $54.9M | Dec 2023 |
| NCRC Community Development Fund, Inc | $67.3M | $48.7M | Dec 2023 |
| Partners for the Common Good, Inc. | $66.5M | $48.4M | Dec 2023 |
| Housing Assistance Council | $66.2M | — | Sep 2023 |
| Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development Center | $25.2M | $8.6M | Sep 2023 |
| Institute for Community Economics | $23.4M | $8.5M | Dec 2023 |
| Washington Area Community Investment Fund | $14.3M | $3.6M | Dec 2023 |
| Life Asset, Inc. | $9.4M | — | Dec 2023 |
10 certified loan funds headquartered in District of Columbia are matched to a Form 990 or 990-EZ; median total assets $24.3M. End-of-year figures self-reported to the IRS, from the IRS Annual Extract of Tax-Exempt Organization Financial Data; each row shows its own fiscal year. Assets are the organisation’s whole balance sheet, not only its loans; “Loans receivable” is Form 990 Part X line 7 (notes and loans receivable); “—” means that line was empty or zero, not that the fund has no loans.
SBA loans by CDFIs in District of Columbia
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 18 SBA approvals (18 7(a) loans) for borrowers in District of Columbia in fiscal years 2020–2026, from 6 CDFIs. The 7(a) loans total $17M approved.
Most SBA approvals here: Industrial Bank (9), City First Bank, N.A. (4).
Approval is not disbursement. Each lender page shows its own SBA figures.
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 in District of Columbia (FY2022)
CDFI Fund data, released Dec 2024361 loans and investments totaling $172.4M (median $9,567) were reported to the CDFI Fund for borrowers and projects in District of Columbia in fiscal year 2022, by 39 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate microenterprise | 190 | $949,472 | $2,500 |
| Non-real estate business | 36 | $7.5M | $100,000 |
| Real estate: multifamily housing rehabilitation | 28 | $51.5M | $417,385 |
| Real estate: multifamily housing construction | 23 | $72.2M | $2M |
| Home purchase | 21 | $8.6M | $326,000 |
| None of the listed purposes | 20 | $13.7M | $42,750 |
| Other purposes | 43 | $17.9M |
Of 44 individual borrowers whose income was reported, 55% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 4,449 consumer loans in District of Columbia totaling $17M (Consumer Loan Report, tract totals, so no median); they counted 38% of them as serving low-income borrowers.
Counties with the most recorded loans and investments
Fiscal year 2022; 1 District of Columbia county has at least three. Records whose tract is not in a county we can match are counted in the state total only.
| County | Count | Total |
|---|---|---|
| District of Columbia | 361 | $172.4M |
Loans and investments reported in other years: FY2018 131 · FY2019 153 · FY2020 229 · FY2021 1,798.
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.
Headquartered in District of Columbia, by city
CDFI Fund list, 21 Oct 202620 certified CDFIs: 15 loan funds · 2 credit unions · 2 banks or thrifts · 1 bank holding company. A headquarters address is not a service area; each lender is also listed in its group above.
- Washington (20): Baba's Cooking School LLC dba EatsPlace, Building Hope Finance, CBA Fund, City First Bank, N.A., City First Enterprises Inc, City First Homes Inc., DC Federal Credit Union, DEVELOPING AFFORDABLE STARTER HOMES FUND, LLC, Housing Assistance Council, Industrial Bank, Institute for Community Economics, Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development Center, Life Asset, Inc., NCRC Community Development Fund, Inc, National Housing Trust Community Development Fund, O.A.S. Staff Federal Credit Union, Opportunity Finance Network, Partners for the Common Good, Inc., Resident Ownership Capital, LLC dba ROC USA Capital, Washington Area Community Investment Fund · city page
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.
Source: CDFI Atlas, cdfiatlas.com/states/dc/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).