County directory · Kentucky
CDFI lenders in Jefferson County, KY
1 certified CDFI names Jefferson County or a town in it as part of their service area on their own website. 1 more is headquartered here. 1 more has a bank or credit-union branch here. 2 more say they serve all of Kentucky. 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
- 1
- Serve all of KY
- 2
A lender naming Jefferson 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: Eastwood, Fairdale, Fisherville, Glenview, Harrods Creek, Louisville, Masonic Home, Prospect.
Lenders compared for Jefferson County
6 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Park Community Credit Union Credit union, Louisville KY | headquarters here; 9 offices here; 278 home loans here, 2025 | ask | 9 mi |
| 2. Louisville Housing Opportunities and Micro-Enterprise Community Development Loan Fund, Inc., The Loan fund, Louisville KY | website names Jefferson County; headquarters here | up to $150,000 | 6 mi |
| 3. Change Lending, LLC Loan fund, Anaheim CA | 7 home loans here, 2025 | up to $3.5M | 1,807 mi |
| 4. Champions Funding, LLC Loan fund, Gilbert AZ | 6 home loans here, 2025 | up to $3M | 1,493 mi |
| 5. Community Ventures Corporation, Inc. Loan fund, Lexington KY | 4 SBA loans here, FY2020–FY2026 | ask | 68 mi |
| 6. Caro Federal Credit Union Credit union, Columbia SC | 1 office here | ask | 395 mi |
5 of these 6 lenders have received CDFI Fund awards, together $30.2M in fiscal years 1997–2024 (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
3 lenders2 head offices and 12 branches or offices of 3 lenders on this page, within 30 miles of the centre of Jefferson 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
- Small-dollar / emergency loans (1 lender)
- Energy / solar / efficiency loans (1 lender)
- Home repair / improvement loans (1 lender)
- Small-business loans (1 lender)
- Auto / vehicle loans (1 lender)
- Credit-builder loans (1 lender)
- Home mortgages (1 lender)
- Personal / consumer loans (1 lender)
Banks and credit unions with a branch in this county
2 certified CDFIs have at least one office in Jefferson County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- Park Community Credit UnionCredit union · Louisville, KYAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans9 offices in Jefferson County · based hereVerified
- Caro Federal Credit UnionCredit union · Columbia, SC1 office in Jefferson CountyOfficial list only
CDFI mortgage lenders active here
Certified CDFIs reported 296 originated home loans for properties in Jefferson County in 2025 under the Home Mortgage Disclosure Act: 1.5% of the 19,415 home loans that all HMDA lenders reported here.
- Park Community Credit UnionCredit union · Louisville, KYAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans278 home loans here in 2025 (HMDA)Verified
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages7 home loans here in 2025 (HMDA)Verified
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages6 home loans here in 2025 (HMDA)Verified
Plus 5 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 Jefferson County
Official statisticsMedian household income in Jefferson County is $69,866, 10% above the Kentucky figure of $63,726 (ACS 2020–2024).
Businesses here took 41.6 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Kentucky county (17.0), rank 20 of 120.
| Measure | Jefferson County | Kentucky |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 20,164 (21.4% of the state) | 94,402 |
| …of which under 20 employees | 81% | 84% |
| Businesses without employees (Nonemployer Statistics 2023) | 70,600 | 335,592 |
| Median household income (ACS 2020–2024) | $69,866 (10% above the state) | $63,726 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 839 (793 7(a), 46 504) | 3,042 |
| …per 1,000 businesses with employees | 41.6 (rank 20 of 120 Kentucky counties) | 17.0 (median county) |
| Median SBA 7(a) loan, all lenders | $200,000 | $150,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 7 (1%) | 63 (2%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.5 pts (279 loans; 11% at the SBA maximum) | 2.5 pts (10% at the maximum) |
Approvals by fiscal year: FY2020 102 · FY2021 126 · FY2022 89 · FY2023 118 · FY2024 124 · FY2025 143 · FY2026 137.
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 2026Certified CDFIs were the lender, the CDC or the third-party lender on 7 SBA approvals (3 7(a) loans and 4 504 projects) for borrowers in Jefferson County in fiscal years 2020–2026, from 3 CDFIs. The 7(a) loans total $1.2M approved.
CDFIs with 3 or more: Community Ventures Corporation, Inc. (4). 2 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 2024863 loans and investments totaling $147.7M (median $100,000) were reported to the CDFI Fund for borrowers and projects in Jefferson County in fiscal year 2022, by 18 reporting CDFIs. More than half of these records come from a single reporting CDFI.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home improvement | 290 | $22.3M | $60,000 |
| Home purchase | 249 | $51.1M | $185,000 |
| Non-real estate business | 136 | $16M | $102,000 |
| Non-real estate microenterprise | 109 | $2.4M | $15,000 |
| Real estate: commercial construction, permanent or acquisition | 68 | $46.5M | $304,500 |
| Consumer | 7 | $18,088 | $1,500 |
| Other purposes | 4 | $9.3M |
Of 80 individual borrowers whose income was reported, 46% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 4,716 consumer loans in Jefferson County totaling $31.5M (Consumer Loan Report, tract totals, so no median); they counted 46% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 129 · FY2019 58 · FY2020 229 · FY2021 922.
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 Jefferson County or a town in it
Headquartered in Jefferson County
The official list gives a headquarters address here. Check each lender's page for where it lends.
Say they serve all of Kentucky
- Community Ventures Corporation, Inc.Loan fund · Lexington, KYSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- West Central Development Corporation, dba Anchor Financial ServicesLoan fund · Perrysburg, OHCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business 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
- Louisville SBDCSmall Business Development Center · 101 S Fifth St., Suite 2300, Louisville, KY 40202502-977-5800
- SCORE KentuckySCORE mentoring · 614 W. Main Street, Suite 6000, Louisville, KY 40202502-888-4543
- SBA Louisville officeSBA district office · 600 Dr. Martin Luther King Jr. Place, Suite 188, Louisville, KY 40202502-582-5971
Housing counseling
- Apprisen - CCCS of the Midwest - LouisvilleHUD-approved housing counselor · 11492 Bluegrass Pkwy, Louisville, KY 40299800-355-2227
- Louisville Urban LeagueHUD-approved housing counselor · 1535 W Broadway, Louisville, KY 40203502-566-3362
- The Housing Partnership, IncHUD-approved housing counselor · 1126 Berry Blvd, Louisville, KY 40215502-585-5451
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.
Other Kentucky counties
Source: CDFI Atlas, cdfiatlas.com/states/ky/counties/jefferson-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).