County directory · Massachusetts
CDFI lenders in Middlesex County, MA
1 certified CDFI names Middlesex County or a town in it as part of their service area on their own website. 2 more are headquartered here. 1 more has a bank or credit-union branch here. 1 more say they serve all of Massachusetts. 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
- 2
- Branch here
- 1
- Serve all of MA
- 1
A lender naming Middlesex 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: Acton, Arlington, Arlington Heights, Ashby, Ashland, Auburndale, Ayer, Bedford, Belmont, Billerica, Boston, Boxborough….
Lenders compared for Middlesex County
6 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Workers Credit Union Credit union, Fitchburg MA | 5 offices here; 10 SBA loans here, FY2020–FY2026; 419 home loans here, 2025 | ask | 27 mi |
| 2. Champions Funding, LLC Loan fund, Gilbert AZ | 5 home loans here, 2025 | up to $3M | 2,270 mi |
| 3. South Eastern Economic Development Corporation Loan fund, Taunton MA | 4 SBA loans here, FY2020–FY2026 | ask | 39 mi |
| 4. Cooperative Fund of the Northeast, Inc. Loan fund, Watertown MA | headquarters here | ask | 8 mi |
| 5. BDC Community Capital Corp. Loan fund, Wakefield MA | headquarters here | ask | 12 mi |
| 6. Dorchester Bay Neighborhood Loan Fund, Inc. Loan fund, Dorchester MA | website names Boston | $3,000–$250,000 | 16 mi |
6 of these 6 lenders have received CDFI Fund awards, together $27.2M in fiscal years 1998–2024 (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 lenders6 head offices and 9 branches or offices of 6 lenders on this page, within 45 miles of the centre of Middlesex 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-business loans (2 lenders)
Banks and credit unions with a branch in this county
1 certified CDFI has at least one office in Middlesex County (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 425 originated home loans for properties in Middlesex County in 2025 under the Home Mortgage Disclosure Act: 1.5% of the 29,149 home loans that all HMDA lenders reported here.
- Workers Credit UnionCredit union · Fitchburg, MA419 home loans here in 2025 (HMDA)Official list only
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages5 home loans here in 2025 (HMDA)Verified
Plus 1 more certified CDFI 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 Middlesex County
Official statisticsMedian household income in Middlesex County is $130,847, 26% above the Massachusetts figure of $103,960 (ACS 2020–2024).
Businesses here took 53.3 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: about as many as the median Massachusetts county (53.1), rank 6 of 14.
| Measure | Middlesex County | Massachusetts |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 44,624 (24.3% of the state) | 183,767 |
| …of which under 20 employees | 84% | 85% |
| Businesses without employees (Nonemployer Statistics 2023) | 157,890 | 633,439 |
| Median household income (ACS 2020–2024) | $130,847 (26% above the state) | $103,960 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 2,380 (2,091 7(a), 289 504) | 10,482 |
| …per 1,000 businesses with employees | 53.3 (rank 6 of 14 Massachusetts counties) | 53.1 (median county) |
| Median SBA 7(a) loan, all lenders | $125,000 | $100,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 16 (1%) | 291 (3%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.5 pts (754 loans; 9% at the SBA maximum) | 2.75 pts (9% at the maximum) |
Approvals by fiscal year: FY2020 257 · FY2021 305 · FY2022 284 · FY2023 323 · FY2024 432 · FY2025 462 · FY2026 317.
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 16 SBA approvals (11 7(a) loans and 5 504 projects) for borrowers in Middlesex County in fiscal years 2020–2026, from 4 CDFIs. The 7(a) loans total $2.1M approved.
CDFIs with 3 or more: Workers Credit Union (10), South Eastern Economic Development Corporation (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 2024483 loans and investments totaling $35.4M (median $4,500) were reported to the CDFI Fund for borrowers and projects in Middlesex County in fiscal year 2022, by 22 reporting CDFIs. More than half of these records come from a single reporting CDFI.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate microenterprise | 350 | $2M | $3,500 |
| Consumer | 54 | $986,332 | $14,998 |
| Home purchase | 31 | $12.1M | $351,000 |
| Non-real estate business | 27 | $5.8M | $100,000 |
| Home improvement | 15 | $385,957 | $25,230 |
| None of the listed purposes | 3 | $80,036 | $7,755 |
| Other purposes | 3 | $14.1M |
Of 93 individual borrowers whose income was reported, 55% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 1,314 consumer loans in Middlesex County totaling $4.7M (Consumer Loan Report, tract totals, so no median); they counted 8% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 605 · FY2019 584 · FY2020 715 · FY2021 1,309.
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 Middlesex County or a town in it
Headquartered in Middlesex County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Cooperative Fund of the Northeast, Inc.Loan fund · Watertown, MASmall-business loansVerified
- BDC Community Capital Corp.Loan fund · Wakefield, MAOfficial list only
Say they serve all of Massachusetts
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
- Massachusetts SBDC - Greater BostonSmall Business Development Center · 100 Carlson Avenue, Campus Center, Suite 204-205 Mount Ida Campus, Newton, MA 02459413-545-1988
- Massachusetts SBDC - Massachusetts Export CenterSmall Business Development Center · 100 Carlson Avenue, Campus Center, Suite 207 Mount Ida Campus, Newton, MA 02459617-973-6610
- Boston SCORESCORE mentoring · 10 Causeway Street, Boston, MA 02222617-565-5591 · about 13 miles from the centre of Middlesex County
- Center for Women & Enterprise - Eastern MassachusettsWomen's Business Center · 24 School Street, Floor 2, Boston, MA 02108617-536-0700 · about 13 miles from the centre of Middlesex County
Housing counseling
- American Consumer Credit CounselingHUD-approved housing counselor · 130 Rumford Ave Ste 202, Auburndale, MA 02466800-769-3571
- Community Service Network, Inc.HUD-approved housing counselor · 136 Elm St, Stoneham, MA 02180781-438-9254
- Credit Card MGMT SVCS, Inc D/B/a Debthelper.ComHUD-approved housing counselor · 400 W Cummings Park, Woburn, MA 01801561-472-8000
- Merrimack Valley Housing PartnershipHUD-approved housing counselor · 67 Middle St Ste 501, Lowell, MA 01852978-459-8490
- Somerville Community CorporationHUD-approved housing counselor · 337 Somerville Ave, Somerville, MA 02143617-410-9905
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 Middlesex County
Other Massachusetts counties
Source: CDFI Atlas, cdfiatlas.com/states/ma/counties/middlesex-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).