County directory · Maryland
CDFI lenders in Baltimore City, MD
1 certified CDFI names Baltimore City or a town in it as part of their service area on their own website. 7 more are headquartered here. 2 more say they serve all of Maryland. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).
- Name this county
- 1
- Based here
- 7
- Serve all of MD
- 2
A lender naming Baltimore City 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: Baltimore.
Lenders compared for Baltimore City
10 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECU Credit union, Baltimore MD | headquarters here; 5 offices here; 62 home loans here, 2025 | ask | in the county |
| 2. Harbor Bank of Maryland Bank or thrift, Baltimore MD | headquarters here; 5 offices here; 3 SBA loans here, FY2020–FY2026 | $50,000–$5M | in the county |
| 3. HARBOR BANKSHARES CORPORATION Bank holding company, Baltimore MD | headquarters here; 5 offices here | $50,000–$5M | in the county |
| 4. Neighborhood Housing Services of Baltimore, Inc. Loan fund, Baltimore MD | website names Baltimore City; headquarters here | ask | 2 mi |
| 5. Champions Funding, LLC Loan fund, Gilbert AZ | 36 home loans here, 2025 | up to $3M | 1,985 mi |
| 6. Change Lending, LLC Loan fund, Anaheim CA | 26 home loans here, 2025 | up to $3.5M | 2,293 mi |
| 7. Baltimore Community Lending, Inc. Loan fund, Baltimore MD | headquarters here | $10,000–$150,000 | in the county |
| 8. Harbor Bank of Maryland Community Development Corporation Loan fund, Baltimore MD | headquarters here | ask | in the county |
| 9. Neighborhood Impact Investment Fund, Inc. Loan fund, Baltimore MD | headquarters here | up to $3M | 2 mi |
| 10. New American Community Lending Corporation Loan fund, Baltimore MD | headquarters here | ask | 3 mi |
9 of these 10 lenders have received CDFI Fund awards, together $60M in fiscal years 2000–2024 (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
8 lenders8 head offices and 18 branches or offices of 8 lenders on this page, within 30 miles of the centre of Baltimore City. 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
- 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)
- Home repair / improvement loans (1 lender)
- Affordable housing development loans (1 lender)
- Equity / venture investment (1 lender)
Banks and credit unions with a branch in this county
3 certified CDFIs have at least one office in Baltimore City (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- HARBOR BANKSHARES CORPORATIONBank holding company · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…5 offices in Baltimore City · based hereVerified
- Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…5 offices in Baltimore City · based hereVerified
- Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECUCredit union · Baltimore, MD5 offices in Baltimore City · based hereOfficial list only
CDFI mortgage lenders active here
Certified CDFIs reported 133 originated home loans for properties in Baltimore City in 2025 under the Home Mortgage Disclosure Act: 1.3% of the 10,219 home loans that all HMDA lenders reported here.
- Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECUCredit union · Baltimore, MD62 home loans here in 2025 (HMDA)Official list only
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages36 home loans here in 2025 (HMDA)Verified
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages26 home loans here in 2025 (HMDA)Verified
Plus 6 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 Baltimore City
Official statisticsMedian household income in Baltimore City is $62,177, 40% below the Maryland figure of $103,678 (ACS 2020–2024).
Businesses here took 45.9 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: about as many as the median Maryland county (43.8), rank 11 of 24.
| Measure | Baltimore City | Maryland |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 12,383 (8.7% of the state) | 142,967 |
| …of which under 20 employees | 84% | 84% |
| Businesses without employees (Nonemployer Statistics 2023) | 46,731 | 599,050 |
| Median household income (ACS 2020–2024) | $62,177 (40% below the state) | $103,678 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 568 (551 7(a), 17 504) | 6,184 |
| …per 1,000 businesses with employees | 45.9 (rank 11 of 24 Maryland counties) | 43.8 (median county) |
| Median SBA 7(a) loan, all lenders | $140,000 | $134,100 |
| …with a certified CDFI as lender, CDC or third-party lender | 3 (1%) | 55 (1%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.75 pts (257 loans; 16% at the SBA maximum) | 3 pts (20% at the maximum) |
Approvals by fiscal year: FY2020 62 · FY2021 63 · FY2022 70 · FY2023 90 · FY2024 100 · FY2025 94 · FY2026 89.
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 3 SBA approvals (3 7(a) loans) for borrowers in Baltimore City in fiscal years 2020–2026, from 1 CDFI. The 7(a) loans total $3.4M approved.
CDFIs with 3 or more: Harbor Bank of Maryland (3).
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 2024408 loans and investments totaling $72.2M (median $27,322) were reported to the CDFI Fund for borrowers and projects in Baltimore City in fiscal year 2022, by 28 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home improvement | 146 | $3.7M | $18,668 |
| Home purchase | 96 | $10.5M | $80,200 |
| Non-real estate business | 52 | $19.2M | $100,000 |
| Non-real estate microenterprise | 50 | $825,095 | $10,030 |
| Consumer | 36 | $136,691 | $600 |
| Real estate: single-family housing rehabilitation | 9 | $4.2M | $395,000 |
| Other purposes | 19 | $33.6M |
Of 138 individual borrowers whose income was reported, 93% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 10,365 consumer loans in Baltimore City totaling $39.8M (Consumer Loan Report, tract totals, so no median); they counted 68% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 462 · FY2019 246 · FY2020 649 · FY2021 1,982.
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 Baltimore City or a town in it
Headquartered in Baltimore City
The official list gives a headquarters address here. Check each lender's page for where it lends.
- 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 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
Say they serve all of Maryland
- Democracy FCUCredit union · Alexandria, VAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loansVerified
- Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development CenterLoan fund · Washington, DCCredit-builder loans, Microloans, 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
- 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.
City pages in Baltimore City
Other Maryland counties
Source: CDFI Atlas, cdfiatlas.com/states/md/counties/baltimore-city/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).