County directory · Georgia

CDFI lenders in Fulton County, GA

1 certified CDFI names Fulton County or a town in it as part of their service area on their own website. 5 more are headquartered here. 1 more has 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: 5
Branch here: 1
Serve all of GA: 2

A lender naming Fulton 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: Alpharetta, Atlanta, Fairburn, Palmetto, Red Oak, Roswell, Union City.

Lenders compared for Fulton County

14 with local records

Lender	Local records	Loan sizes	Head office
1. Citizens Trust Bank Bank or thrift, Atlanta GA	headquarters here; 3 offices here; 7 SBA loans here, FY2020–FY2026	up to $2.5M	5 mi
2. Credit Union of Atlanta Credit union, Atlanta GA	headquarters here; 1 office here	ask	6 mi
3. Community Redevelopment Loan and Investment Fund, Inc. Loan fund, Atlanta GA	website names Atlanta; headquarters here	ask	5 mi
4. Champions Funding, LLC Loan fund, Gilbert AZ	80 home loans here, 2025	up to $3M	1,567 mi
5. Change Lending, LLC Loan fund, Anaheim CA	24 home loans here, 2025	up to $3.5M	1,904 mi
6. LiftFund, Inc. Loan fund, San Antonio TX	7 SBA loans here, FY2020–FY2026	$500–$10M	882 mi
7. GTE Federal Credit Union Credit union, Tampa FL	6 home loans here, 2025	ask	421 mi
8. ACC Capital, Inc. Loan fund, Little Rock AR	4 SBA loans here, FY2020–FY2026	ask	453 mi
9. Southern Bancorp Bank Bank or thrift, Arkadelphia AR	4 home loans here, 2025	ask	496 mi
10. MortgageOne, Inc Loan fund, Carlsbad CA	4 home loans here, 2025	$25,000–$2M	1,887 mi
11. SELF-HELP CREDIT UNION Credit union, Durham NC	1 office here	ask	351 mi
12. Georgia Cities Foundation, Inc. Loan fund, Atlanta GA	headquarters here	up to $250,000	5 mi
13. Habitat Capital, LLC Loan fund, Atlanta GA	headquarters here	ask	5 mi
14. FCS Community Finance, Inc. Loan fund, Atlanta GA	headquarters here	ask	8 mi

12 of these 14 lenders have received CDFI Fund awards, together $113.5M in fiscal years 1996–2024 (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

6 head offices and 6 branches or offices of 7 lenders on this page, within 35 miles of the centre of Fulton County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Home mortgages (3 lenders)
Auto / vehicle loans (2 lenders)
Personal / consumer loans (2 lenders)
Affordable housing development loans (1 lender)
Commercial real estate loans (1 lender)

Banks and credit unions with a branch in this county

3 certified CDFIs have at least one office in Fulton 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 129 originated home loans for properties in Fulton County in 2025 under the Home Mortgage Disclosure Act: 0.6% of the 22,618 home loans that all HMDA lenders reported here.

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.

Small business and SBA lending in Fulton County

Official statistics

Median household income in Fulton County is $95,292, 23% above the Georgia figure of $77,353 (ACS 2020–2024).

Businesses here took 52.2 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Georgia county (31.0), rank 24 of 159.

Measure	Fulton County	Georgia
Businesses with paid employees (CBP 2023)	40,949 (15.7% of the state)	261,320
…of which under 20 employees	84%	86%
Businesses without employees (Nonemployer Statistics 2023)	136,717	1,163,944
Median household income (ACS 2020–2024)	$95,292 (23% above the state)	$77,353
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	2,136 (1,953 7(a), 183 504)	11,506
…per 1,000 businesses with employees	52.2 (rank 24 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	28 (1%)	192 (2%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (919 loans; 12% at the SBA maximum)	2.75 pts (13% at the maximum)

Approvals by fiscal year: FY2020 211 · FY2021 309 · FY2022 250 · FY2023 315 · FY2024 362 · FY2025 389 · FY2026 300.

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 28 SBA approvals (23 7(a) loans and 5 504 projects) for borrowers in Fulton County in fiscal years 2020–2026, from 9 CDFIs. The 7(a) loans total $12.4M approved.

CDFIs with 3 or more: LiftFund, Inc. (7), Citizens Trust Bank (7), ACC Capital, Inc. (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

431 loans and investments totaling $200.2M (median $50,000) were reported to the CDFI Fund for borrowers and projects in Fulton County in fiscal year 2022, by 63 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Non-real estate microenterprise	191	$3.8M	$16,350
Non-real estate business	122	$37.8M	$100,000
Home purchase	30	$12.3M	$281,400
Home improvement	20	$4.9M	$215,354
Real estate: commercial construction, permanent or acquisition	16	$54.2M	$1.4M
Real estate: multifamily housing construction	14	$48.2M	$915,500
Other purposes	36	$34M

Of 37 individual borrowers whose income was reported, 30% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 8,470 consumer loans in Fulton County totaling $20.8M (Consumer Loan Report, tract totals, so no median); they counted 26% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 93 · FY2019 76 · FY2020 349 · FY2021 8,688.

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 Fulton County or a town in it

Community Redevelopment Loan and Investment Fund, Inc.Loan fund · Atlanta, GAAffordable housing development loansNames Atlanta · Entire state of Georgia, with priority on south metro AtlantaVerified

Headquartered in Fulton County

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

Say they serve all of Georgia

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.