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State directory · ID

CDFI lenders in Idaho

50 certified CDFIs lend in Idaho, 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
50
Headquartered here
7
Verified from lender sites
48

Who lends in Idaho

50 lenders, each counted once

Each lender is listed once, under the strongest evidence we have. 7 certified CDFIs are headquartered in Idaho (CDFI Fund list, 21 Oct 2026); 3 of them appear in the first groups because their website names an area here.

By loan type

Lenders that name an area in Idaho 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 Idaho as their lending area (2)

Their own website names a county or town in Idaho where they lend; place names are matched to GeoNames postal data. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Lend throughout Idaho (1)

Their website's service area covers all of Idaho (statewide wording, or a list of whole states). Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Name Idaho or a region of it in their service area (3)

Their website names Idaho 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.

Headquartered in Idaho, no service area stated here (4)

The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in Idaho. The pages we read name no county, town, region or statewide area in Idaho, 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.

Say they lend nationwide (40)

Their website says they lend across the United States and does not exclude Idaho. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Show the 40 lenders that say they lend nationwide

More loan types in Idaho

Lender websites, read 29 Oct 2026–4 Nov 2026

Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.

Small Business Loans (2)

Microloans (1)

SBA Loans (1)

Mortgages (4)

Personal Loans (3)

Auto Loans (4)

Credit-Builder Loans (1)

Affordable Housing Development Loans (1)

Nonprofit Facility Loans (1)

CDFI Fund awards

7 of the 7 certified CDFIs headquartered in Idaho have received CDFI Fund awards, $22.2 million in total; the largest: NewWest Community Capital, Inc. ($8.5 million), Pocatello Neighborhood Housing Services, Inc. ($4.8 million), NHS Lending, Inc. ($4.2 million). All CDFI Fund award recipients based in Idaho, certified today or not: $30.5 million in 51 awards, 1998–2024. Separately, Treasury's ECIP invested $2.3 million in 1 certified CDFI based here.

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. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.

Free help in Idaho

Free or low-cost advice before you apply: 7 Small Business Development Center offices; 2 SCORE chapters; 1 Women's Business Center; 9 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 Idaho

IRS Form 990 data
Loan fundTotal assetsLoans receivableFY ends
Pocatello Neighborhood Housing Services, Inc.$15.5M$4.4MDec 2023
NHS Lending, Inc.$4.6M$2.6MDec 2023
Nimiipuu Community Development Fund$1.7M$380,517Sep 2023

3 certified loan funds headquartered in Idaho are matched to a Form 990 or 990-EZ; median total assets $4.6M. 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 Idaho

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 69 SBA approvals (68 7(a) loans and 1 504 project) for borrowers in Idaho in fiscal years 2020–2026, from 4 CDFIs. The 7(a) loans total $15.2M approved.

Most SBA approvals here: Montana Community Development Corporation (64).

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 Idaho (FY2022)

CDFI Fund data, released Dec 2024

1,177 loans and investments totaling $136.8M (median $50,000) were reported to the CDFI Fund for borrowers and projects in Idaho in fiscal year 2022, by 37 reporting CDFIs.

Purpose (CDFI Fund category)CountTotalMedian
Home purchase426$77.5M$130,000
Home improvement424$25.3M$32,616
Consumer176$544,261$1,708
Non-real estate microenterprise66$1.4M$20,000
Non-real estate business60$11.9M$100,000
Real estate: commercial construction, permanent or acquisition13$10.7M$357,500
Other purposes10$3.2M

Of 995 individual borrowers whose income was reported, 73% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 13,208 consumer loans in Idaho totaling $207.5M (Consumer Loan Report, tract totals, so no median); they counted 42% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 19 Idaho counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

CountyCountTotal
Nez Perce County189$13.2M
Canyon County141$5.1M
Ada County138$25.3M
Bannock County110$3.3M
Latah County108$17.8M
Kootenai County88$21.7M
Clearwater County35$5M
Gem County35$2.5M
Bonner County28$5.5M
Bingham County23$202,564

Loans and investments reported in other years: FY2018 117 · FY2019 650 · FY2020 1,450 · FY2021 2,246.

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 Idaho, by city

CDFI Fund list, 21 Oct 2026

7 certified CDFIs: 5 loan funds · 2 credit unions; 1 flagged Native. A headquarters address is not a service area; each lender is also listed in its group above.

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/id/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).