County directory · Florida

CDFI lenders in Leon County, FL

2 are headquartered here. 5 more have a bank or credit-union branch here. 5 more say they serve all of Florida. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county: 0
Based here: 2
Branch here: 5
Serve all of FL: 5

None of the lender websites we read names Leon 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: Tallahassee, Woodville.

Lenders compared for Leon County

9 with local records

Lender	Local records	Loan sizes	Head office
1. First Commerce Credit Union Credit union, Tallahassee FL	headquarters here; 6 offices here; 5 SBA loans here, FY2020–FY2026; 269 home loans here, 2025	$500–$1.5M	10 mi
2. Champions First Credit Union Credit union, Tallahassee FL	headquarters here; 4 offices here	ask	4 mi
3. Suncoast Credit Union Credit union, Tampa FL	11 home loans here, 2025	ask	204 mi
4. Champions Funding, LLC Loan fund, Gilbert AZ	6 home loans here, 2025	up to $3M	1,617 mi
5. Loyalty CU Credit union, Pensacola FL	2 offices here	ask	175 mi
6. Calhoun Liberty Credit Union Credit union, Blountstown FL	1 office here	ask	47 mi
7. Blue Coast Federal Credit Union Credit union, Perry FL	1 office here	ask	50 mi
8. Hello Credit Union Credit union, Panama City FL	1 office here	ask	85 mi
9. SELF-HELP CREDIT UNION Credit union, Durham NC	1 office here	ask	498 mi

8 of these 9 lenders have received CDFI Fund awards, together $45.6M in fiscal years 2005–2024 (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

7 lenders

2 head offices and 16 branches or offices of 7 lenders on this page, within 30 miles of the centre of Leon County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Auto / vehicle loans (1 lender)
Commercial real estate loans (1 lender)
Personal / consumer loans (1 lender)
SBA-backed loans (7(a)/504/Community Advantage) (1 lender)

Banks and credit unions with a branch in this county

7 certified CDFIs have at least one office in Leon County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 296 originated home loans for properties in Leon County in 2025 under the Home Mortgage Disclosure Act: 6.3% of the 4,707 home loans that all HMDA lenders reported here.

Plus 8 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 Leon County

Official statistics

Median household income in Leon County is $66,287, 11% below the Florida figure of $74,568 (ACS 2020–2024).

Businesses here took 27.1 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median Florida county (36.2), rank 53 of 67.

Measure	Leon County	Florida
Businesses with paid employees (CBP 2023)	8,163 (1.3% of the state)	645,575
…of which under 20 employees	85%	88%
Businesses without employees (Nonemployer Statistics 2023)	25,216	3,117,327
Median household income (ACS 2020–2024)	$66,287 (11% below the state)	$74,568
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	221 (157 7(a), 64 504)	29,770
…per 1,000 businesses with employees	27.1 (rank 53 of 67 Florida counties)	36.2 (median county)
Median SBA 7(a) loan, all lenders	$312,000	$250,000
…with a certified CDFI as lender, CDC or third-party lender	10 (5%)	370 (1%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (68 loans; 13% at the SBA maximum)	2.75 pts (15% at the maximum)

Approvals by fiscal year: FY2020 18 · FY2021 34 · FY2022 31 · FY2023 35 · FY2024 34 · FY2025 49 · FY2026 20.

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 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 10 SBA approvals (3 7(a) loans and 7 504 projects) for borrowers in Leon County in fiscal years 2020–2026, from 4 CDFIs. The 7(a) loans total $7.5M approved.

CDFIs with 3 or more: First Commerce Credit Union (5). 3 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 2024

543 loans and investments totaling $71M (median $50,000) were reported to the CDFI Fund for borrowers and projects in Leon County in fiscal year 2022, by 25 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home improvement	171	$13.7M	$50,000
None of the listed purposes	109	$1.4M	$7,500
Home purchase	107	$25.6M	$222,000
Non-real estate microenterprise	69	$872,963	$5,000
Real estate: commercial construction, permanent or acquisition	30	$13.2M	$277,500
Non-real estate business	22	$6.6M	$156,312
Other purposes	35	$9.6M

Of 270 individual borrowers whose income was reported, 48% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 9,344 consumer loans in Leon County totaling $104.2M (Consumer Loan Report, tract totals, so no median); they counted 73% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 384 · FY2019 210 · FY2020 402 · FY2021 801.

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 Leon County

The official list gives a headquarters address here. Check each lender's page for where it lends.

Say they serve all of Florida

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

Housing counseling

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.