CDFI lenders in Baltimore, MD

Headquarters is not the same as service area: lenders elsewhere in Maryland may also lend in Baltimore. See all 15 CDFIs in Maryland.

Loan types confirmed on these lenders' websites

• Commercial real estate loans (4 lenders)
• Small-business loans (4 lenders)
• Home mortgages (3 lenders)
• Personal / consumer loans (2 lenders)
• SBA-backed loans (7(a)/504/Community Advantage) (2 lenders)
• Affordable housing development loans (1 lender)
• Equity / venture investment (1 lender)
• Home repair / improvement loans (1 lender)

• Baltimore Community Lending, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Affordable housing development loans, Small-business loansVerified
• HARBOR BANKSHARES CORPORATIONBank holding company · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
• Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
• Harbor Bank of Maryland Community Development CorporationLoan fund · Baltimore, MDEquity / venture investmentVerified
• Neighborhood Housing Services of Baltimore, Inc.Loan fund · Baltimore, MDHome repair / improvement loans, Home mortgagesVerified
• Neighborhood Impact Investment Fund, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Small-business loansVerified
• Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECUCredit union · Baltimore, MDOfficial list only
• New American Community Lending CorporationLoan fund · Baltimore, MDOfficial list only

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

• Maryland SBDC - Baltimore City WestSmall Business Development Center · 11 W. Mount Royal Ave., Baltimore, MD 21201240-342-9410
• Maryland SBDC ~ Baltimore CitySmall Business Development Center · 11 W.Mount Royal Ave., Baltimore, MD 21201240-342-9410
• Greater Baltimore SCORESCORE mentoring · 100 South Charles Street, Suite 1201, Baltimore, MD 21201800-634-0245
• SBA Baltimore officeSBA district office · 100 S. Charles St., Baltimore, MD 21201410-962-6195
• Baltimore Metropolitan WBC at Morgan State University EDACWomen's Business Center · Morgan State University Graves School of Business, 4100 Hillen Road Suite 302 B, Baltimore, MD 21251443-885-3663 · about 10 miles from the centre of Baltimore City

Housing counseling

• Belair - Edison Neighborhoods, Inc.HUD-approved housing counselor · 3545 Belair Rd, Baltimore, MD 21213410-485-8422
• Comprehensive Housing Assistance, IncHUD-approved housing counselor · 5809 Park Heights Ave, Baltimore, MD 21215410-500-5300
• Druid Heights Community Development Corp.HUD-approved housing counselor · 2140 McCulloh St, Baltimore, MD 21217410-523-1350
• Eastside Community Development CorporationHUD-approved housing counselor · 7835 Eastern Avenue suite # 302, Baltimore, MD 21224410-340-7610
• Garwyn Oaks Northwest Housing Resource Center, IncHUD-approved housing counselor · 2300 Garrison Blvd, Baltimore, MD 21216
• Harbel Housing Partnership ( A Division of Harbel Community Organization, Inc.)HUD-approved housing counselor · 5807 Harford Rd, Baltimore, MD 21214410-444-9152

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.