County directory · Maryland
CDFI lenders in Montgomery County, MD
1 certified CDFI names Montgomery County or a town in it as part of their service area on their own website. 3 more are headquartered here. 2 more have a bank or credit-union branch here. 1 more say they serve all of Maryland. 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
- 3
- Branch here
- 2
- Serve all of MD
- 1
A lender naming Montgomery 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: Ashton, Barnesville, Beallsville, Bethesda, Boyds, Brinklow, Brookeville, Burtonsville, Cabin John, Chevy Chase, Clarksburg, Damascus….
Lenders compared for Montgomery County
10 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. SkyPoint Federal Credit Union Credit union, Germantown MD | headquarters here; 3 offices here; 9 home loans here, 2025 | $500–$250,000 | 9 mi |
| 2. Change Lending, LLC Loan fund, Anaheim CA | 20 home loans here, 2025 | up to $3.5M | 2,267 mi |
| 3. Champions Funding, LLC Loan fund, Gilbert AZ | 10 home loans here, 2025 | up to $3M | 1,957 mi |
| 4. Democracy FCU Credit union, Alexandria VA | 5 home loans here, 2025 | $100–$60,000 | 20 mi |
| 5. GTE Federal Credit Union Credit union, Tampa FL | 4 home loans here, 2025 | ask | 827 mi |
| 6. HARBOR BANKSHARES CORPORATION Bank holding company, Baltimore MD | 1 office here | $50,000–$5M | 31 mi |
| 7. Harbor Bank of Maryland Bank or thrift, Baltimore MD | 1 office here | $50,000–$5M | 31 mi |
| 8. HIAS Economic Advancement Fund Inc Loan fund, Silver Spring MD | headquarters here | ask | 8 mi |
| 9. Neighborworks Capital Corporation Loan fund, Silver Spring MD | headquarters here | ask | 8 mi |
| 10. Latino Economic Development Corporation of Washington, D.C. DBA is: Latino Economic Development Center Loan fund, Washington DC | website names Montgomery County | ask | 13 mi |
9 of these 10 lenders have received CDFI Fund awards, together $51.4M 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
7 lenders5 head offices and 8 branches or offices of 7 lenders on this page, within 30 miles of the centre of Montgomery 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
- Credit-builder loans (1 lender)
- Microloans (1 lender)
- Small-business loans (1 lender)
- Affordable housing development loans (1 lender)
- Auto / vehicle loans (1 lender)
- Small-dollar / emergency loans (1 lender)
- Immigration / citizenship loans (1 lender)
- Home mortgages (1 lender)
Banks and credit unions with a branch in this county
3 certified CDFIs have at least one office in Montgomery County (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.
- SkyPoint Federal Credit UnionCredit union · Germantown, MDAuto / vehicle loans, Small-dollar / emergency loans, Immigration / citizenship loans, Home mortgages…3 offices in Montgomery County · based hereVerified
- HARBOR BANKSHARES CORPORATIONBank holding company · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…1 office in Montgomery CountyVerified
- Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…1 office in Montgomery CountyVerified
CDFI mortgage lenders active here
Certified CDFIs reported 51 originated home loans for properties in Montgomery County in 2025 under the Home Mortgage Disclosure Act: 0.3% of the 16,640 home loans that all HMDA lenders reported here.
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages20 home loans here in 2025 (HMDA)Verified
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages10 home loans here in 2025 (HMDA)Verified
- SkyPoint Federal Credit UnionCredit union · Germantown, MDAuto / vehicle loans, Small-dollar / emergency loans, Immigration / citizenship loans, Home mortgages…9 home loans here in 2025 (HMDA)Verified
- Democracy FCUCredit union · Alexandria, VAAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loans5 home loans here in 2025 (HMDA)Verified
- GTE Federal Credit UnionCredit union · Tampa, FLHome mortgages, Personal / consumer loans4 home loans here in 2025 (HMDA)Verified
Plus 2 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 Montgomery County
Official statisticsMedian household income in Montgomery County is $132,450, 28% above the Maryland figure of $103,678 (ACS 2020–2024).
Businesses here took 33.7 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median Maryland county (43.8), rank 17 of 24.
| Measure | Montgomery County | Maryland |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 27,677 (19.4% of the state) | 142,967 |
| …of which under 20 employees | 86% | 84% |
| Businesses without employees (Nonemployer Statistics 2023) | 130,045 | 599,050 |
| Median household income (ACS 2020–2024) | $132,450 (28% above the state) | $103,678 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 934 (894 7(a), 40 504) | 6,184 |
| …per 1,000 businesses with employees | 33.7 (rank 17 of 24 Maryland counties) | 43.8 (median county) |
| Median SBA 7(a) loan, all lenders | $150,000 | $134,100 |
| …with a certified CDFI as lender, CDC or third-party lender | 4 (0%) | 55 (1%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 3 pts (475 loans; 19% at the SBA maximum) | 3 pts (20% at the maximum) |
Approvals by fiscal year: FY2020 88 · FY2021 99 · FY2022 98 · FY2023 120 · FY2024 200 · FY2025 181 · FY2026 148.
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 4 SBA approvals (3 7(a) loans and 1 504 project) for borrowers in Montgomery County in fiscal years 2020–2026, from 3 CDFIs. The 7(a) loans total $1.4M approved.
No single CDFI made 3 or more of them, so we do not name the lenders.
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 2024444 loans and investments totaling $66.4M (median $9,798) were reported to the CDFI Fund for borrowers and projects in Montgomery County in fiscal year 2022, by 31 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate microenterprise | 224 | $1.2M | $3,000 |
| Home improvement | 92 | $8.1M | $75,000 |
| None of the listed purposes | 36 | $9M | $45,550 |
| Home purchase | 35 | $13.3M | $361,875 |
| Consumer | 30 | $127,245 | $2,000 |
| Non-real estate business | 15 | $13.7M | $117,000 |
| Other purposes | 12 | $20.9M |
Of 146 individual borrowers whose income was reported, 49% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 4,094 consumer loans in Montgomery County totaling $25.1M (Consumer Loan Report, tract totals, so no median); they counted 47% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 71 · FY2019 249 · FY2020 260 · FY2021 1,388.
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 Montgomery County or a town in it
Headquartered in Montgomery County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Neighborworks Capital CorporationLoan fund · Silver Spring, MDAffordable housing development loansVerified
- SkyPoint Federal Credit UnionCredit union · Germantown, MDAuto / vehicle loans, Small-dollar / emergency loans, Immigration / citizenship loans, Home mortgages…Verified
- HIAS Economic Advancement Fund IncLoan fund · Silver Spring, MDOfficial list only
Say they serve all of Maryland
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 Small Business Development Center ~ University of MarylandWomen's Business Center · 14000 Jericho Park Rd, College Park, MD 20850301-383-1550
- Maryland Women's Business CenterWomen's Business Center · 51 Monroe Street, PE-20, Rockville, MD 20850301-315-8091
- Maryland SBDC - Centro de Conexion EmpresarialSmall Business Development Center · 7761 Diamondback Drive, College Park, MD 20742301-802-1963 · about 12 miles from the centre of Montgomery County
- National SCORESCORE mentoring · 1165 Herndon Parkway, Suite 100, Herndon, VA 20170800-634-0245 · about 15 miles from the centre of Montgomery County
Housing counseling
- Housing Initiative Partnership, Inc.(HIP)HUD-approved housing counselor · 12900 Middlebrook Road, Germantown, MD 20874301-916-5946
- Housing Initiative Partnership, Inc.(HIP)HUD-approved housing counselor · 620 East Diamond Avenue, Gaithersburg, MD 20877301-916-5946
- Latino Economic Development CorporationHUD-approved housing counselor · 11002 Viers Mills Road, Wheaton, MD 20902202-588-5102
- Money Management International - Silver SpringHUD-approved housing counselor · 15847 Crabbs Branch Way, Rockville, MD 20855866-232-9080
- Nid-Hca DMVHUD-approved housing counselor · 12345 Parklawn Dr, Rockville, MD 20852833-940-4932
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 Maryland counties
Source: CDFI Atlas, cdfiatlas.com/states/md/counties/montgomery-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).