County directory · Georgia
CDFI lenders in DeKalb County, GA
1 certified CDFI names DeKalb County or a town in it as part of their service area on their own website. 1 more is headquartered here. 3 more have a bank or credit-union branch here. 2 more say they serve all of Georgia. 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
- 1
- Branch here
- 3
- Serve all of GA
- 2
A lender naming DeKalb 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: Atlanta, Avondale Estates, Clarkston, Decatur, Lithonia, Pine Lake, Redan, Scottdale, Stone Mountain, Tucker.
Lenders compared for DeKalb County
9 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Champions Funding, LLC Loan fund, Gilbert AZ | 50 home loans here, 2025 | up to $3M | 1,580 mi |
| 2. Change Lending, LLC Loan fund, Anaheim CA | 10 home loans here, 2025 | up to $3.5M | 1,916 mi |
| 3. First American Bank & Trust Co Bank or thrift, Athens GA | 3 home loans here, 2025 | ask | 48 mi |
| 4. GTE Federal Credit Union Credit union, Tampa FL | 3 home loans here, 2025 | ask | 419 mi |
| 5. Citizens Trust Bank Bank or thrift, Atlanta GA | 2 offices here | up to $2.5M | 12 mi |
| 6. Liberty Bank and Trust Company Bank or thrift, New Orleans LA | 1 office here | ask | 428 mi |
| 7. Liberty Financial Services, Inc. Bank holding company, New Orleans LA | 1 office here | ask | 428 mi |
| 8. Community Housing Capital, Inc. Loan fund, Decatur GA | headquarters here | ask | 7 mi |
| 9. Community Redevelopment Loan and Investment Fund, Inc. Loan fund, Atlanta GA | website names Atlanta | ask | 12 mi |
7 of these 9 lenders have received CDFI Fund awards, together $76.3M 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
6 lenders3 head offices and 9 branches or offices of 6 lenders on this page, within 30 miles of the centre of DeKalb 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
- Affordable housing development loans (2 lenders)
Banks and credit unions with a branch in this county
3 certified CDFIs have at least one office in DeKalb County (FDIC office data as of 30 Oct 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- Citizens Trust BankBank or thrift · Atlanta, GAAuto / vehicle loans, Home mortgages, Personal / consumer loans2 offices in DeKalb CountyVerified
- Liberty Bank and Trust CompanyBank or thrift · New Orleans, LAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…1 office in DeKalb CountyVerified
- Liberty Financial Services, Inc.Bank holding company · New Orleans, LAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…1 office in DeKalb CountyVerified
CDFI mortgage lenders active here
Certified CDFIs reported 73 originated home loans for properties in DeKalb County in 2025 under the Home Mortgage Disclosure Act: 0.5% of the 14,507 home loans that all HMDA lenders reported here.
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages50 home loans here in 2025 (HMDA)Verified
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages10 home loans here in 2025 (HMDA)Verified
- First American Bank & Trust CoBank or thrift · Athens, GAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home repair / improvement loans…3 home loans here in 2025 (HMDA)Verified
- GTE Federal Credit UnionCredit union · Tampa, FLHome mortgages, Personal / consumer loans3 home loans here in 2025 (HMDA)Verified
Plus 6 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 DeKalb County
Official statisticsMedian household income in DeKalb County is $80,644, 4% above the Georgia figure of $77,353 (ACS 2020–2024).
Businesses here took 47.5 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Georgia county (31.0), rank 29 of 159.
| Measure | DeKalb County | Georgia |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 18,258 (7.0% of the state) | 261,320 |
| …of which under 20 employees | 87% | 86% |
| Businesses without employees (Nonemployer Statistics 2023) | 96,376 | 1,163,944 |
| Median household income (ACS 2020–2024) | $80,644 (4% above the state) | $77,353 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 868 (793 7(a), 75 504) | 11,506 |
| …per 1,000 businesses with employees | 47.5 (rank 29 of 159 Georgia counties) | 31.0 (median county) |
| Median SBA 7(a) loan, all lenders | $350,000 | $350,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 1 or 2 | 192 (2%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.75 pts (356 loans; 15% at the SBA maximum) | 2.75 pts (13% at the maximum) |
Approvals by fiscal year: FY2020 100 · FY2021 121 · FY2022 115 · FY2023 125 · FY2024 151 · FY2025 146 · FY2026 110.
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.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 2024253 loans and investments totaling $56.9M (median $16,030) were reported to the CDFI Fund for borrowers and projects in DeKalb County in fiscal year 2022, by 31 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate microenterprise | 110 | $1.7M | $10,862 |
| Consumer | 66 | $437,368 | $2,216 |
| Non-real estate business | 40 | $6.5M | $100,000 |
| Home purchase | 15 | $5.6M | $282,947 |
| Home improvement | 12 | $1.6M | $64,000 |
| None of the listed purposes | 4 | $241,450 | $52,625 |
| Other purposes | 6 | $40.8M |
Of 95 individual borrowers whose income was reported, 77% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 6,163 consumer loans in DeKalb County totaling $12.4M (Consumer Loan Report, tract totals, so no median); they counted 29% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 77 · FY2019 72 · FY2020 119 · FY2021 6,773.
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 DeKalb County or a town in it
Headquartered in DeKalb County
The official list gives a headquarters address here. Check each lender's page for where it lends.
Say they serve all of Georgia
- Access to Capital for Entrepreneurs, Inc.Loan fund · Cleveland, GACommercial real estate loans, Microloans, Small-business loansVerified
- Neighborhood Lending Partners of Florida, Inc.Loan fund · Tampa, FLCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loansVerified
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
- The University of Georgia SBDC Dekalb OfficeSmall Business Development Center · 1990 Lakeside Pkwy, Suite 250, Tucker, GA 30084770-414-3110
- Atlanta SCORESCORE mentoring · Atlanta, GA 30303800-634-0245 · about 12 miles from the centre of DeKalb County
- ACE Women's Business CenterWomen's Business Center · 10 College St. N.W., Norcross, GA 30071678-335-5600 · about 7 miles from the centre of DeKalb County
Housing counseling
- Atlanta Legal Aid Society, Inc.HUD-approved housing counselor · 246 Sycamore Street, Decatur, GA 30030770-817-7538
- Catholic Charities of the Archdiocese of AtlantaHUD-approved housing counselor · 3669 N Peachtree Rd, Atlanta, GA 30341770-790-3112
- Center for Pan Asian Community Services, IncHUD-approved housing counselor · 3510 Shallowford Rd NE, Atlanta, GA 30341770-936-0969
- Georgia Housing and Finance AuthorityHUD-approved housing counselor · 60 Executive Park South, NE, Atlanta, GA 30329404-679-1739
- Help the People Program Housing Counseling AgencyHUD-approved housing counselor · 3567 Covington Hwy-Rear Bldg, Decatur, GA 30032404-688-7766
- Morningstar Urban Development, Inc.HUD-approved housing counselor · 2501 Lantrac Ct, Decatur, GA 30035770-492-4037
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.
City pages in DeKalb County
Other Georgia counties
Source: CDFI Atlas, cdfiatlas.com/states/ga/counties/dekalb-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).