County directory · Delaware
CDFI lenders in New Castle County, DE
1 certified CDFI names New Castle County or a town in it as part of their service area on their own website. 2 more are headquartered here. 1 more has a bank or credit-union branch here. 1 more say they serve all of Delaware. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.
- Name this county
- 1
- Based here
- 2
- Branch here
- 1
- Serve all of DE
- 1
A lender naming New Castle County on its website is a good sign, not an offer. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Bear, Claymont, Delaware City, Hockessin, Kirkwood, Middletown, Montchanin, New Castle, Newark, Odessa, Port Penn, Rockland….
Lenders compared for New Castle County
7 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Dover Federal Credit Union Credit union, Dover DE | 2 offices here; 35 home loans here, 2025 | ask | 35 mi |
| 2. True Access Capital Corporation Loan fund, Wilmington DE | headquarters here; 6 SBA loans here, FY2020–FY2026 | ask | 6 mi |
| 3. Stepping Stones Community Federal Credit Union Credit union, Wilmington DE | headquarters here; 1 office here | ask | 6 mi |
| 4. Champions Funding, LLC Loan fund, Gilbert AZ | 16 home loans here, 2025 | up to $3M | 2,040 mi |
| 5. GTE Federal Credit Union Credit union, Tampa FL | 8 home loans here, 2025 | ask | 899 mi |
| 6. Change Lending, LLC Loan fund, Anaheim CA | 5 home loans here, 2025 | up to $3.5M | 2,345 mi |
| 7. Economic Opportunities Fund Loan fund, Philadelphia PA | website names New Castle County | $150–$350,000 | 30 mi |
6 of these 7 lenders have received CDFI Fund awards, together $20.4M in fiscal years 1998–2024 (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
3 lenders2 head offices and 3 branches or offices of 3 lenders on this page, within 30 miles of the centre of New Castle 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 (1 lender)
- Credit-builder loans (1 lender)
- Small-business loans (1 lender)
Banks and credit unions with a branch in this county
2 certified CDFIs have at least one office in New Castle County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- Dover Federal Credit UnionCredit union · Dover, DEAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…2 offices in New Castle CountyVerified
- Stepping Stones Community Federal Credit UnionCredit union · Wilmington, DE1 office in New Castle County · based hereOfficial list only
CDFI mortgage lenders active here
Certified CDFIs reported 68 originated home loans for properties in New Castle County in 2025 under the Home Mortgage Disclosure Act: 0.5% of the 12,724 home loans that all HMDA lenders reported here.
- Dover Federal Credit UnionCredit union · Dover, DEAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…35 home loans here in 2025 (HMDA)Verified
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages16 home loans here in 2025 (HMDA)Verified
- GTE Federal Credit UnionCredit union · Tampa, FLHome mortgages, Personal / consumer loans8 home loans here in 2025 (HMDA)Verified
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages5 home loans here in 2025 (HMDA)Verified
Plus 2 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.
Small business and SBA lending in New Castle County
Official statisticsMedian household income in New Castle County is $91,166, 7% above the Delaware figure of $84,954 (ACS 2020–2024).
Businesses here took 38.5 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: about as many as the median Delaware county (39.8), rank 3 of 3.
| Measure | New Castle County | Delaware |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 17,855 (60.1% of the state) | 29,706 |
| …of which under 20 employees | 85% | 86% |
| Businesses without employees (Nonemployer Statistics 2023) | 52,892 | 93,022 |
| Median household income (ACS 2020–2024) | $91,166 (7% above the state) | $84,954 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 688 (667 7(a), 21 504) | 1,198 |
| …per 1,000 businesses with employees | 38.5 (rank 3 of 3 Delaware counties) | 39.8 (median county) |
| Median SBA 7(a) loan, all lenders | $150,000 | $107,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 8 (1%) | 17 (1%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.75 pts (338 loans; 15% at the SBA maximum) | 2.75 pts (19% at the maximum) |
Approvals by fiscal year: FY2020 67 · FY2021 66 · FY2022 71 · FY2023 110 · FY2024 140 · FY2025 121 · FY2026 113.
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.
SBA loans made here by CDFIs
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 8 SBA approvals (5 7(a) loans and 3 504 projects) for borrowers in New Castle County in fiscal years 2020–2026, from 3 CDFIs. The 7(a) loans total $1.2M approved.
CDFIs with 3 or more: True Access Capital Corporation (6). 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.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 2024137 loans and investments totaling $55.1M (median $50,000) were reported to the CDFI Fund for borrowers and projects in New Castle County in fiscal year 2022, by 22 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate business | 41 | $31.9M | $335,000 |
| Non-real estate microenterprise | 28 | $309,690 | $4,300 |
| Consumer | 27 | $34,100 | $800 |
| Home purchase | 17 | $6.3M | $280,000 |
| Real estate: commercial rehabilitation | 8 | $1.3M | $87,950 |
| Home improvement | 7 | $3.2M | $50,000 |
| Other purposes | 9 | $12.1M |
Of 48 individual borrowers whose income was reported, 67% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 1,459 consumer loans in New Castle County totaling $4.9M (Consumer Loan Report, tract totals, so no median); they counted 9% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 35 · FY2019 48 · FY2020 141 · FY2021 1,321.
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.
Lenders whose website names New Castle County or a town in it
Headquartered in New Castle County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Stepping Stones Community Federal Credit UnionCredit union · Wilmington, DEOfficial list only
- True Access Capital CorporationLoan fund · Wilmington, DEOfficial list only
Say they serve all of Delaware
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
- University of Delaware - Delaware SBDC Lead CenterSmall Business Development Center · 591 Collaboration Way, 2nd Floor, Newark, DE 19713302-831-1555
- University of Delaware Delaware SBDCSmall Business Development Center · 591 Collaboration Way, 2nd Floor, Newark, DE 19713302-831-1555
- Delaware SCORESCORE mentoring · 7209 Lancaster Pike, Suite 4, PMB 138, Hockessin, DE 19707800-634-0245
- Women's Business Center at True Access CapitalWomen's Business Center · 100 W. 10th Street, Suite 300, Wilmington, DE 19801302-652-6774
- SBA Wilmington officeSBA district office · 1105 Market St., Suite 401, Wilmington, DE 19801302-573-6294
Housing counseling
- CCCS of Delaware Valley, Dba ClarifiHUD-approved housing counselor · 710 North Lincoln Street, Wilmington, DE 19805800-989-2227
- First State Community Action Agency, IncHUD-approved housing counselor · Rose Hill Community Center, New Castle, DE 19720
- Housing Opportunities of Northern Delaware, Inc.HUD-approved housing counselor · 100 W 10th St, Wilmington, DE 19801302-429-0794
- Interfaith Community Housing of DelawareHUD-approved housing counselor · 613 N. Washington Street, Wilmington, DE 19801
- National Council on Agricultural Life and Labor Research Fund, Inc. (NCALL Research, Inc.)HUD-approved housing counselor · 501 Ogletown Road, Room 306, Newark, DE 19711302-283-7505
- Neighborhood House, IncorporatedHUD-approved housing counselor · 1218 B St, Wilmington, DE 19801302-658-5404
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.
Source: CDFI Atlas, cdfiatlas.com/states/de/counties/new-castle-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).