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State directory · MO

CDFI lenders in Missouri

74 certified CDFIs lend in Missouri, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 25 are headquartered here. Grouped below by the evidence. Sources: CDFI Fund list as of 21 Oct 2026; lender websites read 29 Oct 2026–4 Nov 2026.

Lend here
74
Headquartered here
25
Verified from lender sites
63

Who lends in Missouri

74 lenders, each counted once

Each lender is listed once, under the strongest evidence we have. 25 certified CDFIs are headquartered in Missouri (CDFI Fund list, 21 Oct 2026); 6 of them appear in the first groups because their website names an area here.

By loan type

Lenders that name an area in Missouri or are headquartered here and describe the loan type on their own website (Lender websites, read 29 Oct 2026–4 Nov 2026). Not mentioned does not mean not offered.

County pages

Cities with a CDFI headquarters

A listing here is evidence, not an offer: confirm with the lender that it lends where you are and to borrowers like you. For your exact address, search your ZIP code in the finder.

Name a county or town in Missouri as their lending area (5)

Their own website names a county or town in Missouri where they lend; place names are matched to GeoNames postal data. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Name Missouri or a region of it in their service area (4)

Their website names Missouri or a region of it, without saying statewide or naming a county or town. Check the exact area with the lender. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Headquartered in Missouri, no service area stated here (19)

The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in Missouri. The pages we read name no county, town, region or statewide area in Missouri, or we have not read the lender's website yet; where a lender states an area elsewhere or nationwide, it is shown on its row. Not found does not mean they do not lend here.

Based elsewhere, with a branch or office in Missouri (7)

Banks and credit unions headquartered in another state with at least one office in Missouri (FDIC office data as of 30 Oct 2026, NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

Say they lend nationwide (39)

Their website says they lend across the United States and does not exclude Missouri. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Show the 39 lenders that say they lend nationwide

More loan types in Missouri

Lender websites, read 29 Oct 2026–4 Nov 2026

Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.

Microloans (6)

SBA Loans (4)

Commercial Real Estate Loans (5)

Equipment Loans (5)

Mortgages (7)

Home Repair Loans (3)

Credit-Builder Loans (4)

Small-Dollar Emergency Loans (2)

Farm and Agriculture Loans (5)

Affordable Housing Development Loans (3)

CDFI Fund awards

23 of the 25 certified CDFIs headquartered in Missouri have received CDFI Fund awards, $189.5 million in total; the largest: Central Bank of Kansas City ($42.4 million), Legacy Bank & Trust Company ($38.5 million), Central Bancshares Of Kansas City, Inc. ($17.6 million). All CDFI Fund award recipients based in Missouri, certified today or not: $209.2 million in 205 awards, 1996–2024. Separately, Treasury's ECIP invested $187 million in 4 certified CDFIs based here.

Awards go to the institutions, not to borrowers; totals exclude New Markets Tax Credit allocations and bond guarantees. All states ranked. Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.

Free help in Missouri

Free or low-cost advice before you apply: 14 Small Business Development Center offices; 2 SCORE chapters; 3 Women's Business Centers; 3 Veterans Business Outreach Centers; 23 HUD-approved housing counseling agencies. Each county page lists the ones nearest to it. Sources: SBA local assistance listings (6 Nov 2026) and HUD's list of approved housing counseling agencies (last updated 9 Apr 2025).

Largest nonprofit loan funds based in Missouri

IRS Form 990 data
Loan fundTotal assetsLoans receivableFY ends
Justine Petersen Housing and Reinvestment Corporation$74M$32.7MDec 2023
AltCap$30.3M$16.1MDec 2022
Technical Assistance Corporation$11M—Dec 2023
Urban Strategies Inc$9.1M—Dec 2022

4 certified loan funds headquartered in Missouri are matched to a Form 990 or 990-EZ; median total assets $20.6M. End-of-year figures self-reported to the IRS, from the IRS Annual Extract of Tax-Exempt Organization Financial Data; each row shows its own fiscal year. Assets are the organisation’s whole balance sheet, not only its loans; “Loans receivable” is Form 990 Part X line 7 (notes and loans receivable); “—” means that line was empty or zero, not that the fund has no loans.

SBA loans by CDFIs in Missouri

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 185 SBA approvals (179 7(a) loans and 6 504 projects) for borrowers in Missouri in fiscal years 2020–2026, from 17 CDFIs. The 7(a) loans total $73.7M approved.

Most SBA approvals here: Legacy Bank & Trust Company (100), Justine Petersen Housing and Reinvestment Corporation (45), Peoples Bank (8), Mazuma Credit Union (6), AltCap (6).

Approval is not disbursement. Each lender page shows its own SBA figures.

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 in Missouri (FY2022)

CDFI Fund data, released Dec 2024

3,548 loans and investments totaling $732.5M (median $53,000) were reported to the CDFI Fund for borrowers and projects in Missouri in fiscal year 2022, by 75 reporting CDFIs.

Purpose (CDFI Fund category)CountTotalMedian
Non-real estate microenterprise784$14.3M$15,600
Non-real estate business643$168.9M$80,591
Home purchase485$76.4M$118,765
Home improvement382$26.1M$49,900
Consumer307$946,255$2,100
Real estate: single-family housing rehabilitation300$50.9M$145,086
Other purposes647$395M

Of 792 individual borrowers whose income was reported, 61% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 31,788 consumer loans in Missouri totaling $310.7M (Consumer Loan Report, tract totals, so no median); they counted 48% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 39 Missouri counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

CountyCountTotal
Greene County524$185.2M
St. Louis County512$54.2M
St. Louis City399$39.9M
Ozark County267$24.4M
Christian County206$58.3M
Saint Charles County197$15.7M
Jackson County183$55M
Dunklin County142$23.8M
Wright County89$12.9M
Taney County86$32.7M

Loans and investments reported in other years: FY2018 3,022 · FY2019 2,926 · FY2020 4,199 · FY2021 9,817.

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.

Headquartered in Missouri, by city

CDFI Fund list, 21 Oct 2026

25 certified CDFIs: 6 loan funds · 4 credit unions · 8 banks or thrifts · 7 bank holding companies. A headquarters address is not a service area; each lender is also listed in its group above.

CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.

Source: CDFI Atlas, cdfiatlas.com/states/mo/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).