County directory · Florida

CDFI lenders in Walton County, FL

7 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: 0
Branch here: 7
Serve all of FL: 5

None of the lender websites we read names Walton 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: Argyle, Defuniak Springs, Freeport, Miramar Beach, Mossy Head, Paxton, Rosemary Beach, Santa Rosa Beach.

Lenders compared for Walton County

13 with local records

Lender	Local records	Loan sizes	Head office
1. Community Bank of Mississippi Bank or thrift, Flowood MS	1 office here; 17 SBA loans here, FY2020–FY2026; 71 home loans here, 2025	ask	258 mi
2. BANKPLUS Bank or thrift, Belzoni MS	1 office here; 36 home loans here, 2025	ask	308 mi
3. CCB Community Bank Bank or thrift, Andalusia AL	1 office here; 7 home loans here, 2025	ask	50 mi
4. Champions Funding, LLC Loan fund, Gilbert AZ	14 home loans here, 2025	up to $3M	1,503 mi
5. Change Lending, LLC Loan fund, Anaheim CA	8 home loans here, 2025	up to $3.5M	1,851 mi
6. The Samson Banking Company, Inc. Bank or thrift, Samson AL	7 home loans here, 2025	ask	35 mi
7. Innovations Financial Credit Union Credit union, Panama City FL	6 home loans here, 2025	ask	42 mi
8. BankFirst Financial Services Bank or thrift, Columbus MS	3 home loans here, 2025	ask	233 mi
9. OnPath Federal Credit Union Credit union, Metairie LA	3 home loans here, 2025	ask	240 mi
10. Community South Credit Union Credit union, Chipley FL	1 office here	ask	39 mi
11. Southern National Corporation Bank holding company, Andalusia AL	1 office here	ask	50 mi
12. Community Bancshares of Mississippi, Inc. Bank holding company, Flowood MS	1 office here	ask	258 mi
13. BancPlus Corporation Bank holding company, Ridgeland MS	1 office here	ask	262 mi

8 of these 13 lenders have received CDFI Fund awards, together $70.4M 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.

Where these lenders have offices

9 lenders

1 head office and 27 branches or offices of 9 lenders on this page, within 40 miles of the centre of Walton County. Lenders with no office nearby may still lend here; many work by phone and online.

Banks and credit unions with a branch in this county

7 certified CDFIs have at least one office in Walton 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 168 originated home loans for properties in Walton County in 2025 under the Home Mortgage Disclosure Act: 4.3% of the 3,902 home loans that all HMDA lenders reported here.

Plus 12 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 Walton County

Official statistics

Median household income in Walton County is $81,986, 10% above the Florida figure of $74,568 (ACS 2020–2024).

Businesses here took 49.0 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Florida county (36.2), rank 9 of 67.

Measure	Walton County	Florida
Businesses with paid employees (CBP 2023)	3,348 (0.5% of the state)	645,575
…of which under 20 employees	92%	88%
Businesses without employees (Nonemployer Statistics 2023)	11,640	3,117,327
Median household income (ACS 2020–2024)	$81,986 (10% above the state)	$74,568
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	164 (133 7(a), 31 504)	29,770
…per 1,000 businesses with employees	49.0 (rank 9 of 67 Florida counties)	36.2 (median county)
Median SBA 7(a) loan, all lenders	$350,000	$250,000
…with a certified CDFI as lender, CDC or third-party lender	19 (12%)	370 (1%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (69 loans; 22% at the SBA maximum)	2.75 pts (15% at the maximum)

Approvals by fiscal year: FY2020 22 · FY2021 20 · FY2022 16 · FY2023 19 · FY2024 33 · FY2025 25 · FY2026 29.

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 19 SBA approvals (6 7(a) loans and 13 504 projects) for borrowers in Walton County in fiscal years 2020–2026, from 2 CDFIs. The 7(a) loans total $2.1M approved.

CDFIs with 3 or more: Community Bank of Mississippi (17). 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.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

230 loans and investments totaling $159.1M (median $337,800) were reported to the CDFI Fund for borrowers and projects in Walton County in fiscal year 2022, by 29 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	73	$38.1M	$420,000
Home improvement	51	$21.8M	$275,000
Real estate: commercial construction, permanent or acquisition	27	$43.8M	$157,500
Non-real estate business	26	$25.1M	$650,000
Real estate: single-family housing construction	19	$15.8M	$400,000
Real estate: single-family housing rehabilitation	16	$10M	$475,000
Other purposes	18	$4.4M

Of 22 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 727 consumer loans in Walton County totaling $11.7M (Consumer Loan Report, tract totals, so no median); they counted 45% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 16 · FY2019 145 · FY2020 211 · FY2021 267.

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.

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

Florida SBDC at University of West Florida, PensacolaSmall Business Development Center · 11000 University Parkway, Building 76, Suite 109, Pensacola, FL 32514850-474-2528 · about 61 miles from the centre of Walton County

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.