State directory · IA
CDFI lenders in Iowa
52 certified CDFIs lend in Iowa, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 7 are headquartered here. Grouped below by the evidence. Sources: CDFI Fund list as of 21 Oct 2026; lender websites read 29 Oct 2026–4 Nov 2026.
- Lend here
- 52
- Headquartered here
- 7
- Verified from lender sites
- 50
Who lends in Iowa
52 lenders, each counted once- 2 · Name a county or town in IALender websites, read 29 Oct 2026–4 Nov 2026
- 5 · Name Iowa or part of itLender websites, read 29 Oct 2026–4 Nov 2026
- 5 · Headquartered here, no area statedCDFI Fund list, 21 Oct 2026
- 40 · Say they lend nationwideLender websites, read 29 Oct 2026–4 Nov 2026
Each lender is listed once, under the strongest evidence we have. 7 certified CDFIs are headquartered in Iowa (CDFI Fund list, 21 Oct 2026); 2 of them appear in the first groups because their website names an area here.
By loan type
Lenders that name an area in Iowa or are headquartered here and describe the loan type on their own website (Lender websites, read 29 Oct 2026–4 Nov 2026). Not mentioned does not mean not offered.
County pages
Cities with a CDFI headquarters
A listing here is evidence, not an offer: confirm with the lender that it lends where you are and to borrowers like you. For your exact address, search your ZIP code in the finder.
Name a county or town in Iowa as their lending area (2)
Their own website names a county or town in Iowa where they lend; place names are matched to GeoNames postal data. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
- Neighborhood Finance CorporationLoan fund · Des Moines, IAHome repair / improvement loans, Affordable housing development loans, Home mortgagesNames Linn County, Polk County, Cedar Rapids, Des Moines ·
Polk County (Des Moines metro) and Linn County (designated Cedar Rapids neighborhoods), Iowa
Verified - OMAHA 100, INCLoan fund · Omaha, NEAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…Names Pottawattamie County ·
Nebraska and Pottawattamie County, Iowa (residency required for credit consolidation loans)
Verified
Name Iowa or a region of it in their service area (5)
Their website names Iowa or a region of it, without saying statewide or naming a county or town. Check the exact area with the lender. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
- IRC's Center For Economic Opportunity, Inc. (CEO)Loan fund · New York, NYAuto / vehicle loans, Credit-builder loans, Immigration / citizenship loans, Microloans…
States where CEO currently does business, as listed for SAFE loans
Verified - Iowa Community CapitalLoan fund · Boone, IAEquity / venture investment, Microloans, Small-business loans
Iowa, with lending to low- and moderate-income individuals
Verified - Native360 Loan Fund, Inc.Loan fund · Grand Island, NE · Native CDFIMicroloans, Small-business loans
Nebraska, Iowa, southeast South Dakota and northern Kansas
Verified - Nebraska Enterprise FundLoan fund · Oakland, NESmall-business loans
Nebraska and Southwest Iowa
Verified - Propel NonprofitsLoan fund · Minneapolis, MNMicroloans, Nonprofit / community facility loans
Nonprofits in Minnesota, Wisconsin, Iowa, North Dakota, South Dakota and Native nations sharing this geography
Verified
Headquartered in Iowa, no service area stated here (5)
The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in Iowa. The pages we read name no county, town, region or statewide area in Iowa, or we have not read the lender's website yet; where a lender states an area elsewhere or nationwide, it is shown on its row. Not found does not mean they do not lend here.
- Affinity Credit UnionCredit union · Des Moines, IAAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- Casebine Community Credit UnionCredit union · Burlington, IAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loansVerified
- Community 1st Credit UnionCredit union · Ottumwa, IAAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Small-business loansVerified
- Habitat for Humanity of Iowa, Inc.Loan fund · Altoona, IAOfficial list only
- Iowa Center Loan FundLoan fund · Des Moines, IAOfficial list only
Say they lend nationwide (40)
Their website says they lend across the United States and does not exclude Iowa. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
Show the 40 lenders that say they lend nationwide
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Business loans in 45 states, excluding DC, MT, ND, SD, TN and VT
Verified - BlueHub Loan Fund IncLoan fund · Boston, MAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
National lender with investments in 25 states, Washington DC and Puerto Rico
Verified - Bridge Investment Community Development CorporationLoan fund · Rock Island, ILAffordable housing development loans, Microloans, Small-business loans
National service area with a primary focus on Investment Areas in Iowa and Illinois
Verified - Business Consortium Fund, Inc.Loan fund · New York, NYSmall-business loans
Small businesses across the United States
Verified - Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages
Across the country (nationwide), for homeowners in underserved communities
Verified - Community Development Trust, LP, TheLoan fund · New York, NYAffordable housing development loans
Nationwide: affordable housing communities across the United States
Verified - Community Housing Capital, Inc.Loan fund · Decatur, GAAffordable housing development loans
Nationwide, for NeighborWorks America organizations
Verified - Community Preservation CorporationLoan fund · New York, NYCommercial real estate loans, Equity / venture investment
National lender serving communities across the U.S.
Verified - Dakota ResourcesLoan fund · Renner, SDMicroloans, Nonprofit / community facility loans
Rural places nationwide
Verified - Disability Fund, Inc., TheLoan fund · Rockville Centre, NYAffordable housing development loans
Projects for people with disabilities throughout the United States
Verified - Enterprise Community Loan Fund, Inc.Loan fund · Columbia, MDEquity / venture investment
Deals in every state, Washington, D.C., and Puerto Rico
Verified - Entertainment Industries FCUCredit union · Elizabeth, NJAuto / vehicle loans, Home mortgages
Mortgages offered in all 50 states
Verified - Five Points Community Capital, LLCLoan fund · Austin, TXAffordable housing development loans, Small-business loans
Vulnerable and low-income communities throughout the United States, with a targeted focus on rural areas
Verified - Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loans
Businesses throughout the country; 35 states served
Verified - Grow America Fund, Inc.Loan fund · Boston, MASmall-business loans
Small business lending in communities across the United States
Verified - Housing Partnership Fund, Inc., TheLoan fund · Boston, MAAffordable housing development loans
Nationwide, serving nonprofit developers of affordable housing
Verified - Local Initiatives Support CorporationLoan fund · New York, NYChild-care facility financing, Affordable housing development loans, Nonprofit / community facility loans, Small-business loans
Nationwide: offers financing to organizations across the country
Verified - Mercy Community CapitalLoan fund · Denver, COAffordable housing development loans
Affordable housing developments located in the United States
Verified - Mobility Credit Acceptance LLCLoan fund · Richmond, VAAuto / vehicle loans, Equipment loans, Home repair / improvement loans
Nationwide, through a network of dealers and manufacturers
Verified - NDC Community Impact Loan FundLoan fund · Boston, MASmall-business loans
Small business lending in communities across the United States
Verified - National Association for Latino Community Asset BuildersLoan fund · San Antonio, TXCommercial real estate loans
Nonprofit member organizations across the United States
Verified - National Community Investment FundVenture capital fund · Chicago, ILAffordable housing development loans, Small-business loans
Across the country: small towns, rural areas and urban neighborhoods
Verified - Neighborworks Capital CorporationLoan fund · Silver Spring, MDAffordable housing development loans
Nationwide; NeighborWorks network members active in every state, DC and Puerto Rico
Verified - Nonprofit Finance FundLoan fund · New York, NYChild-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans…
Mission-driven organizations across the United States
Verified - OPAL Community Capital LLCLoan fund · Birmingham, ALCommercial real estate loans
Mostly nationwide for historic tax credit transactions; some deals in eligible geographies
Verified - Partners for the Common Good, Inc.Loan fund · Washington, DCCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
Nationwide; finances affordable housing, community facilities and other projects.
Verified - Primary Care Development CorporationLoan fund · New York, NYEquipment loans, Nonprofit / community facility loans
Nationwide: community-based health providers across the country
Verified - REDF Impact Investing FundLoan fund · San Francisco, CACommercial real estate loans, Small-business loans
Invests in small businesses across the U.S.
Verified - Raza Development Fund, Inc.Loan fund · Phoenix, AZNonprofit / community facility loans
Communities across America (no states named)
Verified - Reinvestment Fund, Inc., TheLoan fund · Philadelphia, PAChild-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…
Lends across the country (national)
Verified - Resident Ownership Capital, LLC dba ROC USA CapitalLoan fund · Washington, DCAffordable housing development loans
Nationwide, coast to coast, through affiliates and an in-house team
Verified - Rocky Mountain Community Reinvestment CorporationLoan fund · Salt Lake City, UTAffordable housing development loans
Across the United States, financing affordable housing nationwide
Verified - Shared Capital CooperativeLoan fund · Saint Paul, MNCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loans
Any US business or housing cooperative
Verified - Springboard CDFILoan fund · National City, CAHome mortgages
National (nationwide) lender
Verified - The Community Business Investment Fund, LLCLoan fund · Austin, TXAffordable housing development loans
Nationwide; prioritizes investment in rural communities
Verified - The Housing Partnership Network, Inc.Loan fund · Boston, MAAffordable housing development loans
Nationwide lending to nonprofit housing developers
Verified - The Sunlight Loan Fund, LLCLoan fund · Minneapolis, MNChild-care facility financing
Nationwide across the United States
Verified - Triple Bottom Line FoundationLoan fund · Lakewood, COEnergy / solar / efficiency loans
National (United States)
Verified - UPI LOAN FUNDLoan fund · Chandler, AZPersonal / consumer loans, Small-business loans
Underserved low- to moderate-income communities across the United States
Verified - Urban Strategies IncLoan fund · Saint Louis, MOMicroloans, Small-business loans
Urban communities nationally
Verified
More loan types in Iowa
Lender websites, read 29 Oct 2026–4 Nov 2026Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.
Small Business Loans (5)
- OMAHA 100, INCLoan fund · Omaha, NEAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…
Omaha 100 is proud to provides entrepreneurs and small business owners with the flexibility and support to get the loan they need, when they need it.
Verified - Iowa Community CapitalLoan fund · Boone, IAEquity / venture investment, Microloans, Small-business loans
Loans ranging from $500 to $15,000 are for small business entrepreneurs who are low-income eligible (below 80% of median household income).
Verified - Native360 Loan Fund, Inc.Loan fund · Grand Island, NE · Native CDFIMicroloans, Small-business loans
We provide commercial, small business and micro loans.
Verified - Nebraska Enterprise FundLoan fund · Oakland, NESmall-business loans
grants and low-interest, partially or fully forgivable loans
Verified - Community 1st Credit UnionCredit union · Ottumwa, IAAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Small-business loans
Achieve Your Dream Business with Business Loans
Verified
Microloans (5)
- OMAHA 100, INCLoan fund · Omaha, NEAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…
60 days history required for micro-loans
Verified - IRC's Center For Economic Opportunity, Inc. (CEO)Loan fund · New York, NYAuto / vehicle loans, Credit-builder loans, Immigration / citizenship loans, Microloans…
Accessible start-up capital offered alongside technical assistance.
Verified - Iowa Community CapitalLoan fund · Boone, IAEquity / venture investment, Microloans, Small-business loans
Iowa MicroLoan provides a source of capital for microentrepreneurs who are seeking a direct loan of up to $50,000 or a co-financing arrangement of up to $150,000.
Verified - Native360 Loan Fund, Inc.Loan fund · Grand Island, NE · Native CDFIMicroloans, Small-business loans
We provide commercial, small business and micro loans.
Verified - Propel NonprofitsLoan fund · Minneapolis, MNMicroloans, Nonprofit / community facility loans
Loans ranging from $5,000 to $50,000 with a maximum repayment period of 3 years.
Verified
Mortgages (5)
- Neighborhood Finance CorporationLoan fund · Des Moines, IAHome repair / improvement loans, Affordable housing development loans, Home mortgages
Home Purchase Loan
Verified - OMAHA 100, INCLoan fund · Omaha, NEAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…
Conventional home loans with a 97% Loan-to-Value ratio (LTV) without private mortgage insurance
Verified - Affinity Credit UnionCredit union · Des Moines, IAAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…
We'll walk you through it like a neighbor would, in plain English, at your pace.
Verified - Casebine Community Credit UnionCredit union · Burlington, IAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans
HELOC & Mortgage
Verified - Community 1st Credit UnionCredit union · Ottumwa, IAAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Small-business loans
Mortgage | Community 1st Credit Union
Verified
Home Repair Loans (2)
- Neighborhood Finance CorporationLoan fund · Des Moines, IAHome repair / improvement loans, Affordable housing development loans, Home mortgages
Refinance Home Improvement
Verified - Affinity Credit UnionCredit union · Des Moines, IAAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…
A repair loan against your equity is usually the cheapest money available to a homeowner.
Verified
Personal Loans (4)
- OMAHA 100, INCLoan fund · Omaha, NEAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…
Loan amounts range from $500 - $15,000
Verified - IRC's Center For Economic Opportunity, Inc. (CEO)Loan fund · New York, NYAuto / vehicle loans, Credit-builder loans, Immigration / citizenship loans, Microloans…
Personal loans to finance everything from computers to car repairs.
Verified - Affinity Credit UnionCredit union · Des Moines, IAAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…
Just about anything: consolidating higher-rate debt, an unexpected bill, a repair, a big purchase, or a plan you're finally ready to act on.
Verified - Casebine Community Credit UnionCredit union · Burlington, IAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans
Personal Loan Rates
Verified
Auto Loans (5)
- OMAHA 100, INCLoan fund · Omaha, NEAuto / vehicle loans, Microloans, Home mortgages, Personal / consumer loans…
Loans to purchase a vehicle also range from $500 - $15,000
Verified - IRC's Center For Economic Opportunity, Inc. (CEO)Loan fund · New York, NYAuto / vehicle loans, Credit-builder loans, Immigration / citizenship loans, Microloans…
Auto loans expand your geographic scope of employment possibilities.
Verified - Affinity Credit UnionCredit union · Des Moines, IAAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…
We look at more than your credit score. If you're rebuilding, refinancing, or buying for the first time, let's talk.
Verified - Casebine Community Credit UnionCredit union · Burlington, IAAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Personal / consumer loans
Auto / Motorcycle Loan Rates
Verified - Community 1st Credit UnionCredit union · Ottumwa, IAAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Small-business loans
1st-Time Auto Buyers Program | Community 1st Credit Union
Verified
Credit-Builder Loans (2)
- IRC's Center For Economic Opportunity, Inc. (CEO)Loan fund · New York, NYAuto / vehicle loans, Credit-builder loans, Immigration / citizenship loans, Microloans…
Credit building ladder loans establish and actively build credit history.
Verified - Affinity Credit UnionCredit union · Des Moines, IAAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…
Borrow against money in your Affinity savings. Your savings secures the loan, which keeps the rate low, and every on-time payment helps you build or rebuild your credit.
Verified
Small-Dollar Emergency Loans (1)
Farm and Agriculture Loans (1)
Affordable Housing Development Loans (1)
Nonprofit Facility Loans (1)
CDFI Fund awards
5 of the 7 certified CDFIs headquartered in Iowa have received CDFI Fund awards, $21 million in total; the largest: Neighborhood Finance Corporation ($12.9 million), Community 1st Credit Union ($3.6 million), Iowa Community Capital ($2.3 million). All CDFI Fund award recipients based in Iowa, certified today or not: $34.1 million in 60 awards, 2000–2024.
Awards go to the institutions, not to borrowers; totals exclude New Markets Tax Credit allocations and bond guarantees. All states ranked. Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it.
Free help in Iowa
Free or low-cost advice before you apply: 16 Small Business Development Center offices; 2 SCORE chapters; 1 Women's Business Center; 12 HUD-approved housing counseling agencies. Each county page lists the ones nearest to it. Sources: SBA local assistance listings (6 Nov 2026) and HUD's list of approved housing counseling agencies (last updated 9 Apr 2025).
Largest nonprofit loan funds based in Iowa
IRS Form 990 data| Loan fund | Total assets | Loans receivable | FY ends |
|---|---|---|---|
| Neighborhood Finance Corporation | $101.2M | $54.7M | Dec 2023 |
| Habitat for Humanity of Iowa, Inc. | $4.2M | $1.8M | Jun 2023 |
| Iowa Community Capital | $2.4M | — | Jun 2023 |
| Iowa Center Loan Fund | $397,183 | — | Jun 2023 |
4 certified loan funds headquartered in Iowa are matched to a Form 990 or 990-EZ; median total assets $3.3M. End-of-year figures self-reported to the IRS, from the IRS Annual Extract of Tax-Exempt Organization Financial Data; each row shows its own fiscal year. Assets are the organisation’s whole balance sheet, not only its loans; “Loans receivable” is Form 990 Part X line 7 (notes and loans receivable); “—” means that line was empty or zero, not that the fund has no loans.
SBA loans by CDFIs in Iowa
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 86 SBA approvals (83 7(a) loans and 3 504 projects) for borrowers in Iowa in fiscal years 2020–2026, from 5 CDFIs. The 7(a) loans total $11.6M approved.
Most SBA approvals here: Community 1st Credit Union (80), Southern Bancorp Bank (3).
Approval is not disbursement. Each lender page shows its own SBA figures.
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 in Iowa (FY2022)
CDFI Fund data, released Dec 202412,865 loans and investments totaling $1.8B (median $65,300) were reported to the CDFI Fund for borrowers and projects in Iowa in fiscal year 2022, by 37 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home improvement | 5,095 | $317.3M | $46,500 |
| Home purchase | 5,026 | $822.7M | $134,150 |
| Non-real estate microenterprise | 1,513 | $20.4M | $6,500 |
| Non-real estate business | 757 | $333.1M | $150,000 |
| None of the listed purposes | 262 | $30.5M | $100,000 |
| Real estate: commercial construction, permanent or acquisition | 185 | $230.7M | $239,704 |
| Other purposes | 27 | $32.6M |
Of 10,009 individual borrowers whose income was reported, 68% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 90,107 consumer loans in Iowa totaling $1.4B (Consumer Loan Report, tract totals, so no median); they counted 64% of them as serving low-income borrowers.
Counties with the most recorded loans and investments
Fiscal year 2022; 50 Iowa counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.
| County | Count | Total |
|---|---|---|
| Polk County | 2,476 | $319.6M |
| Black Hawk County | 1,788 | $163.2M |
| Dubuque County | 1,565 | $254.4M |
| Linn County | 961 | $177.8M |
| Scott County | 880 | $185M |
| Dallas County | 487 | $117.5M |
| Pottawattamie County | 391 | $16.1M |
| Bremer County | 293 | $30.1M |
| Wapello County | 269 | $38.6M |
| Buchanan County | 263 | $23.4M |
Loans and investments reported in other years: FY2018 1,824 · FY2019 6,702 · FY2020 15,503 · FY2021 14,701.
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.
Headquartered in Iowa, by city
CDFI Fund list, 21 Oct 20267 certified CDFIs: 4 loan funds · 3 credit unions. A headquarters address is not a service area; each lender is also listed in its group above.
- Altoona (1): Habitat for Humanity of Iowa, Inc.
- Boone (1): Iowa Community Capital
- Burlington (1): Casebine Community Credit Union
- Des Moines (3): Affinity Credit Union, Iowa Center Loan Fund, Neighborhood Finance Corporation · city page
- Ottumwa (1): Community 1st Credit Union
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.
Source: CDFI Atlas, cdfiatlas.com/states/ia/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).