CDFI lenders in Guilford County, NC

9 of these 11 lenders have received CDFI Fund awards, together $65.4M 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.

3 head offices and 12 branches or offices of 8 lenders on this page, within 30 miles of the centre of Guilford County. Lenders with no office nearby may still lend here; many work by phone and online.

CDFI mortgage lenders active here

Certified CDFIs reported 86 originated home loans for properties in Guilford County in 2025 under the Home Mortgage Disclosure Act: 0.7% of the 11,526 home loans that all HMDA lenders reported here.

• Latino Community Credit UnionCredit union · Durham, NCAuto / vehicle loans, Home mortgages, Personal / consumer loans35 home loans here in 2025 (HMDA)Verified
• Civic Federal Credit UnionCredit union · Raleigh, NC15 home loans here in 2025 (HMDA)Official list only
• Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages14 home loans here in 2025 (HMDA)Verified
• SELF-HELP CREDIT UNIONCredit union · Durham, NC9 home loans here in 2025 (HMDA)Official list only
• Change Lending, LLCLoan fund · Anaheim, CAHome mortgages6 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 Originated loans only; applications that were denied, withdrawn or not accepted are not counted.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.

Median household income in Guilford County is $68,642, 5% below the North Carolina figure of $72,388 (ACS 2020–2024).

Businesses here took 30.1 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median North Carolina county (27.1), rank 38 of 100.

Approvals by fiscal year: FY2020 42 · FY2021 57 · FY2022 44 · FY2023 72 · FY2024 77 · FY2025 75 · FY2026 63.

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.

Certified CDFIs were the lender, the CDC or the third-party lender on 32 SBA approvals (7 7(a) loans and 25 504 projects) for borrowers in Guilford County in fiscal years 2020–2026, from 5 CDFIs. The 7(a) loans total $3.8M approved.

CDFIs with 3 or more: Business Expansion Funding Corporation (25), Mechanics and Farmers Bank (5). 3 more CDFIs made 1 or 2 each.

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.

307 loans and investments totaling $45.4M (median $128,000) were reported to the CDFI Fund for borrowers and projects in Guilford County in fiscal year 2022, by 17 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Of 265 individual borrowers whose income was reported, 45% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 4,441 consumer loans in Guilford County totaling $28.7M (Consumer Loan Report, tract totals, so no median); they counted 49% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 122 · FY2019 177 · FY2020 325 · FY2021 1,510.

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.