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State directory · MS

CDFI lenders in Mississippi

154 certified CDFIs lend in Mississippi, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 96 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
154
Headquartered here
96
Verified from lender sites
111
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Who lends in Mississippi

154 lenders, each counted once

Each lender is listed once, under the strongest evidence we have. 96 certified CDFIs are headquartered in Mississippi (CDFI Fund list, 21 Oct 2026); 19 of them appear in the first groups because their website names an area here.

By loan type

Lenders that name an area in Mississippi 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 Mississippi as their lending area (8)

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

Lend throughout Mississippi (4)

Their website's service area covers all of Mississippi (statewide wording, or a list of whole states). Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Name Mississippi or a region of it in their service area (11)

Their website names Mississippi 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 Mississippi, no service area stated here (77)

The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in Mississippi. The pages we read name no county, town, region or statewide area in Mississippi, 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 Mississippi (14)

Banks and credit unions headquartered in another state with at least one office in Mississippi (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 (40)

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

Show the 40 lenders that say they lend nationwide

More loan types in Mississippi

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 (1)

Small-Dollar Emergency Loans (2)

Affordable Housing Development Loans (1)

Nonprofit Facility Loans (3)

CDFI Fund awards

74 of the 96 certified CDFIs headquartered in Mississippi have received CDFI Fund awards, $492.2 million in total; the largest: HOPE FEDERAL CREDIT UNION ($39.1 million), BankFirst Financial Services ($26.1 million), Culleywood Capital LLC ($24.8 million). All CDFI Fund award recipients based in Mississippi, certified today or not: $538.7 million in 666 awards, 1996–2025. Separately, Treasury's ECIP invested $1.57 billion in 22 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 Mississippi

Free or low-cost advice before you apply: 15 Small Business Development Center offices; 1 SCORE chapter; 3 Women's Business Centers; 1 Veterans Business Outreach Center; 24 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).

SBA loans by CDFIs in Mississippi

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 1,086 SBA approvals (1,067 7(a) loans and 19 504 projects) for borrowers in Mississippi in fiscal years 2020–2026, from 29 CDFIs. The 7(a) loans total $472.5M approved.

Most SBA approvals here: Peoples Bank (356), Community Bank of Mississippi (214), BankFirst Financial Services (173), COVINGTON COUNTY BANK (90), BANKPLUS (75).

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 Mississippi (FY2022)

CDFI Fund data, released Dec 2024

32,466 loans and investments totaling $6.8B (median $63,583) were reported to the CDFI Fund for borrowers and projects in Mississippi in fiscal year 2022, by 114 reporting CDFIs.

Purpose (CDFI Fund category)CountTotalMedian
Non-real estate microenterprise8,446$168M$17,489
Home purchase6,414$1.1B$112,293
Non-real estate business6,394$2.3B$127,962
Home improvement4,714$503.6M$46,142
Real estate: commercial construction, permanent or acquisition2,767$1.4B$145,233
Real estate: single-family housing rehabilitation1,518$409.9M$103,289
Other purposes2,213$880.4M

Of 639 individual borrowers whose income was reported, 36% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 62,179 consumer loans in Mississippi totaling $760.1M (Consumer Loan Report, tract totals, so no median); they counted 13% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 82 Mississippi counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

CountyCountTotal
Madison County1,868$722.5M
Hinds County1,714$435.1M
Rankin County1,677$504.4M
DeSoto County1,473$401M
Lamar County1,346$409.8M
Lincoln County1,048$133.6M
Lee County911$212.5M
Jones County895$112M
Forrest County872$327M
Marion County868$113.3M

Loans and investments reported in other years: FY2018 11,423 · FY2019 15,285 · FY2020 29,727 · FY2021 40,530.

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 Mississippi, by city

CDFI Fund list, 21 Oct 2026

96 certified CDFIs: 3 loan funds · 7 credit unions · 45 banks or thrifts · 41 bank holding companies; 1 flagged Native. 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/ms/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).