County directory · Florida

CDFI lenders in Miami-Dade County, FL

5 certified CDFIs name Miami-Dade County or a town in it as part of their service area on their own website. 3 more are headquartered here. 4 more have a bank or credit-union branch here. 4 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: 5
Based here: 3
Branch here: 4
Serve all of FL: 4

A lender naming Miami-Dade 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: Coral Gables, Hialeah, Homestead, Key Biscayne, Miami, Miami Beach, Miami Gardens, North Miami Beach, Opa Locka.

Lenders compared for Miami-Dade County

19 with local records

Lender	Local records	Loan sizes	Head office
1. Dade County Federal Credit Union Credit union, Sweetwater FL	website names Miami-Dade County; headquarters here; 10 offices here; 231 home loans here, 2025	ask	6 mi
2. We Florida Financial Credit union, Pembroke Pines FL	1 office here; 16 home loans here, 2025	ask	18 mi
3. Guardians Credit Union Credit union, West Palm Beach FL	1 office here; 6 home loans here, 2025	ask	62 mi
4. JetStream Federal Credit Union Credit union, Miami Lakes FL	headquarters here; 5 offices here	ask	9 mi
5. Miami Postal Service Credit Union Credit union, Miami FL	headquarters here; 3 offices here	$1,000–$400,000	3 mi
6. BLACK ECONOMIC DEVELOPMENT COALITION, INC. Loan fund, Miami FL	website names Miami-Dade County; headquarters here	ask	4 mi
7. MIAMI BAYSIDE FOUNDATION, INC. Loan fund, Miami FL	website names Miami-Dade County; headquarters here	$5,000–$250,000	5 mi
8. BAC Funding Consortium, Inc. Loan fund, Miami FL	website names Miami-Dade County; headquarters here	$25,000–$300,000	6 mi
9. Champions Funding, LLC Loan fund, Gilbert AZ	376 home loans here, 2025	up to $3M	1,952 mi
10. Change Lending, LLC Loan fund, Anaheim CA	115 home loans here, 2025	up to $3.5M	2,302 mi
11. Suncoast Credit Union Credit union, Tampa FL	40 home loans here, 2025	ask	203 mi
12. GTE Federal Credit Union Credit union, Tampa FL	29 home loans here, 2025	ask	203 mi
13. Carter Federal Credit Union Credit union, Springhill LA	9 home loans here, 2025	ask	937 mi
14. Merchants & Marine Bank Bank or thrift, Pascagoula MS	4 SBA loans here, FY2020–FY2026	ask	597 mi
15. Accion Opportunity Fund Community Development Loan fund, San Jose CA	4 SBA loans here, FY2020–FY2026	ask	2,555 mi
16. SELF-HELP CREDIT UNION Credit union, Durham NC	1 office here	ask	716 mi
17. OneUnited Bank Bank or thrift, Boston MA	1 office here	ask	1,260 mi
18. Community Fund of North Miami-Dade Inc. Loan fund, Opa-locka FL	headquarters here	ask	10 mi
19. Central County Community Development Corporation Loan fund, Fort Lauderdale FL	website names Miami-Dade County	$10,000–$250,000	27 mi

17 of these 19 lenders have received CDFI Fund awards, together $127.3M in fiscal years 1997–2024 (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

12 lenders

9 head offices and 22 branches or offices of 12 lenders on this page, within 50 miles of the centre of Miami-Dade County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Small-business loans (4 lenders)
Auto / vehicle loans (3 lenders)
Personal / consumer loans (3 lenders)
Small-dollar / emergency loans (2 lenders)
Commercial real estate loans (1 lender)
Equipment loans (1 lender)
Equity / venture investment (1 lender)
Microloans (1 lender)

Banks and credit unions with a branch in this county

7 certified CDFIs have at least one office in Miami-Dade County (FDIC office data as of 30 Oct 2026 and 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 826 originated home loans for properties in Miami-Dade County in 2025 under the Home Mortgage Disclosure Act: 2.4% of the 34,236 home loans that all HMDA lenders reported here.

Plus 4 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 Miami-Dade County

Official statistics

Median household income in Miami-Dade County is $71,753, 4% below the Florida figure of $74,568 (ACS 2020–2024).

Businesses here took 55.2 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Florida county (36.2), rank 3 of 67.

Measure	Miami-Dade County	Florida
Businesses with paid employees (CBP 2023)	98,394 (15.2% of the state)	645,575
…of which under 20 employees	91%	88%
Businesses without employees (Nonemployer Statistics 2023)	748,628	3,117,327
Median household income (ACS 2020–2024)	$71,753 (4% below the state)	$74,568
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	5,431 (4,673 7(a), 758 504)	29,770
…per 1,000 businesses with employees	55.2 (rank 3 of 67 Florida counties)	36.2 (median county)
Median SBA 7(a) loan, all lenders	$150,000	$250,000
…with a certified CDFI as lender, CDC or third-party lender	16 (0%)	370 (1%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	3 pts (2,349 loans; 18% at the SBA maximum)	2.75 pts (15% at the maximum)

Approvals by fiscal year: FY2020 470 · FY2021 493 · FY2022 576 · FY2023 1,023 · FY2024 1,125 · FY2025 1,031 · FY2026 713.

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 16 SBA approvals (13 7(a) loans and 3 504 projects) for borrowers in Miami-Dade County in fiscal years 2020–2026, from 8 CDFIs. The 7(a) loans total $7.5M approved.

CDFIs with 3 or more: Merchants & Marine Bank (4), Accion Opportunity Fund Community Development (4). 6 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

6,696 loans and investments totaling $248M (median $4,000) were reported to the CDFI Fund for borrowers and projects in Miami-Dade County in fiscal year 2022, by 62 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Purpose (CDFI Fund category)	Count	Total	Median
Non-real estate microenterprise	5,477	$26.6M	$3,500
Home improvement	593	$64.4M	$91,750
Home purchase	271	$109.8M	$300,000
Non-real estate business	185	$31.1M	$67,000
Consumer	109	$304,445	$1,500
None of the listed purposes	49	$4.8M	$80,000
Other purposes	12	$11M

Of 903 individual borrowers whose income was reported, 44% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 18,639 consumer loans in Miami-Dade County totaling $278.4M (Consumer Loan Report, tract totals, so no median); they counted 57% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 1,332 · FY2019 2,497 · FY2020 2,982 · FY2021 13,465.

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 Miami-Dade County or a town in it

Headquartered in Miami-Dade 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.