CDFI lenders in Okaloosa County, FL

2 of these 7 lenders have received CDFI Fund awards, together $11M in fiscal years 2000–2024 (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.

15 branches or offices of 5 lenders on this page, within 40 miles of the centre of Okaloosa County. Lenders with no office nearby may still lend here; many work by phone and online.

CDFI mortgage lenders active here

Certified CDFIs reported 121 originated home loans for properties in Okaloosa County in 2025 under the Home Mortgage Disclosure Act: 2.2% of the 5,596 home loans that all HMDA lenders reported here.

• Community Bank of MississippiBank or thrift · Flowood, MSAuto / vehicle loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…70 home loans here in 2025 (HMDA)Verified
• BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loans27 home loans here in 2025 (HMDA)Verified
• Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages7 home loans here in 2025 (HMDA)Verified
• CCB Community BankBank or thrift · Andalusia, AL4 home loans here in 2025 (HMDA)Official list only
• Change Lending, LLCLoan fund · Anaheim, CAHome mortgages4 home loans here in 2025 (HMDA)Verified

Plus 9 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 Originated loans only; applications that were denied, withdrawn or not accepted are not counted.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.

Median household income in Okaloosa County is $81,998, 10% above the Florida figure of $74,568 (ACS 2020–2024).

Businesses here took 43.3 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Florida county (36.2), rank 23 of 67.

Approvals by fiscal year: FY2020 21 · FY2021 44 · FY2022 26 · FY2023 37 · FY2024 50 · FY2025 42 · FY2026 40.

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.

Certified CDFIs were the lender, the CDC or the third-party lender on 35 SBA approvals (15 7(a) loans and 20 504 projects) for borrowers in Okaloosa County in fiscal years 2020–2026, from 2 CDFIs. The 7(a) loans total $3.7M approved.

CDFIs with 3 or more: Community Bank of Mississippi (34). 1 more CDFI 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.

244 loans and investments totaling $149.4M (median $274,750) were reported to the CDFI Fund for borrowers and projects in Okaloosa County in fiscal year 2022, by 25 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Of 11 individual borrowers whose income was reported, 18% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 949 consumer loans in Okaloosa County totaling $9.6M (Consumer Loan Report, tract totals, so no median); they counted 32% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 8 · FY2019 158 · FY2020 249 · FY2021 394.

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.