County directory · Michigan
CDFI lenders in Muskegon County, MI
1 certified CDFI names Muskegon 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. 8 more say they serve all of Michigan. 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 MI
- 8
A lender naming Muskegon 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: Bailey, Casnovia, Fruitport, Holton, Montague, Muskegon, Ravenna, Sylvan Beach, Twin Lake, Whitehall.
Lenders compared for Muskegon County
4 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Route 31 Federal Credit Union Credit union, Muskegon MI | headquarters here; 2 offices here; 45 home loans here, 2025 | ask | 5 mi |
| 2. Michigan First Credit Union Credit union, Lathrup Village MI | 1 office here; 14 home loans here, 2025 | ask | 160 mi |
| 3. Change Lending, LLC Loan fund, Anaheim CA | 9 home loans here, 2025 | up to $3.5M | 1,813 mi |
| 4. Rende Progress Capital Loan fund, East Lansing MI | website names Muskegon | ask | 94 mi |
3 of these 4 lenders have received CDFI Fund awards, together $8.7M in fiscal years 2019–2024 (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
2 lenders1 head office and 3 branches or offices of 2 lenders on this page, within 30 miles of the centre of Muskegon 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 (1 lender)
- Auto / vehicle 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 Muskegon County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- Route 31 Federal Credit UnionCredit union · Muskegon, MIAuto / vehicle loans, Home mortgages, Personal / consumer loans2 offices in Muskegon County · based hereVerified
- Michigan First Credit UnionCredit union · Lathrup Village, MI1 office in Muskegon CountyOfficial list only
CDFI mortgage lenders active here
Certified CDFIs reported 73 originated home loans for properties in Muskegon County in 2025 under the Home Mortgage Disclosure Act: 1.5% of the 4,775 home loans that all HMDA lenders reported here.
- Route 31 Federal Credit UnionCredit union · Muskegon, MIAuto / vehicle loans, Home mortgages, Personal / consumer loans45 home loans here in 2025 (HMDA)Verified
- Michigan First Credit UnionCredit union · Lathrup Village, MI14 home loans here in 2025 (HMDA)Official list only
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages9 home loans here in 2025 (HMDA)Verified
Plus 3 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 Muskegon County
Official statisticsMedian household income in Muskegon County is $65,024, 11% below the Michigan figure of $72,875 (ACS 2020–2024).
Businesses here took 71.8 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Michigan county (56.3), rank 19 of 83.
| Measure | Muskegon County | Michigan |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 3,147 (1.4% of the state) | 229,564 |
| …of which under 20 employees | 83% | 85% |
| Businesses without employees (Nonemployer Statistics 2023) | 10,802 | 815,013 |
| Median household income (ACS 2020–2024) | $65,024 (11% below the state) | $72,875 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 226 (206 7(a), 20 504) | 14,432 |
| …per 1,000 businesses with employees | 71.8 (rank 19 of 83 Michigan counties) | 56.3 (median county) |
| Median SBA 7(a) loan, all lenders | $150,000 | $135,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 1 or 2 | 151 (1%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2 pts (66 loans; 4% at the SBA maximum) | 2 pts (5% at the maximum) |
Approvals by fiscal year: FY2020 28 · FY2021 42 · FY2022 36 · FY2023 36 · FY2024 34 · FY2025 25 · FY2026 25.
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.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 202440 loans and investments totaling $16.1M (median $70,000) were reported to the CDFI Fund for borrowers and projects in Muskegon County in fiscal year 2022, by 8 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home improvement | 20 | $1.5M | $30,000 |
| Home purchase | 12 | $3.3M | $238,760 |
| Non-real estate microenterprise | 5 | $124,300 | $25,000 |
| Other purposes | 3 | $11.1M |
Of 32 individual borrowers whose income was reported, 62% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 771 consumer loans in Muskegon County totaling $12.3M (Consumer Loan Report, tract totals, so no median); they counted 55% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2019 41 · FY2020 37 · FY2021 321.
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 Muskegon County or a town in it
Headquartered in Muskegon County
The official list gives a headquarters address here. Check each lender's page for where it lends.
Say they serve all of Michigan
- CORE Community PartnersLoan fund · Bingham Farms, MIAffordable housing development loansVerified
- CoVantage Credit UnionCredit union · Antigo, WIHome mortgagesVerified
- Invest Detroit FoundationLoan fund · Detroit, MIEquity / venture investment, Affordable housing development loans, Small-business loansVerified
- Michigan Women's Foundation, TheLoan fund · Detroit, MIMicroloans, Small-business loansVerified
- Northern Great Lakes InitiativesLoan fund · Marquette, MIEnergy / solar / efficiency loans, Equipment loans, Small-business loansVerified
- United Bay Community Credit UnionCredit union · Bay City, MIAuto / vehicle loans, Commercial real estate loans, Small-dollar / emergency loans, Equipment loans…Verified
- United Cerebral Palsy Association of Michigan, Inc., DBA Michigan Assistive Technology FundLoan fund · Southfield, MIEquipment 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
- Muskegon SCORESCORE mentoring · 380 W. Western, STE 202, Muskegon, MI 49440800-634-0245
- Michigan Small Business Development Center ~ Grand Valley State UniversitySmall Business Development Center · 50 Front Avenue SW, Suite 1081, Grand Rapids, MI 49504616-331-7370 · about 31 miles from the centre of Muskegon County
- Grand Rapids Opportunities for Women (GROW)Women's Business Center · 1333 Alger St SE, Suite 5+-, Grand Rapids, MI 49507616-458-3404 · about 36 miles from the centre of Muskegon County
Housing counseling
- NCCS Center for Nonprofit HousingHUD-approved housing counselor · 6308 S Warner Ave, Fremont, MI 49412231-924-0641 · about 16 miles from the centre of Muskegon County
- Telamon-Holland BranchHUD-approved housing counselor · 418 E 8th St, Holland, MI 49423616-200-7814 · about 34 miles from the centre of Muskegon County
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 Michigan counties
Source: CDFI Atlas, cdfiatlas.com/states/mi/counties/muskegon-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).