State directory · ND
CDFI lenders in North Dakota
43 certified CDFIs lend in North Dakota, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 2 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
- 43
- Headquartered here
- 2
- Verified from lender sites
- 42
Who lends in North Dakota
43 lenders, each counted once- 2 · Lend statewideLender websites, read 29 Oct 2026–4 Nov 2026
- 1 · Name North Dakota or part of itLender websites, read 29 Oct 2026–4 Nov 2026
- 1 · Headquartered here, no area statedCDFI Fund list, 21 Oct 2026
- 39 · Say they lend nationwideLender websites, read 29 Oct 2026–4 Nov 2026
Each lender is listed once, under the strongest evidence we have. 2 certified CDFIs are headquartered in North Dakota (CDFI Fund list, 21 Oct 2026); 1 of them appears in the first groups because their website names an area here.
By loan type
Lenders that name an area in North Dakota 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.
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.
Lend throughout North Dakota (2)
Their website's service area covers all of North Dakota (statewide wording, or a list of whole states). Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
- Dakota Business LendingLoan fund · Fargo, NDSBA-backed loans (7(a)/504/Community Advantage), Small-business loans
North Dakota, South Dakota, Montana and Minnesota
Verified - Midwest Minnesota Community Development CorporationLoan fund · Detroit Lakes, MNHome repair / improvement loans, Home mortgages, Small-business loans
Minnesota, North Dakota, South Dakota and Wyoming
Verified
Name North Dakota or a region of it in their service area (1)
Their website names North Dakota 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 North Dakota, no service area stated here (1)
The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in North Dakota. The pages we read name no county, town, region or statewide area in North Dakota, 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.
- CommunityWorks North DakotaLoan fund · Mandan, NDOfficial list only
Say they lend nationwide (39)
Their website says they lend across the United States and does not exclude North Dakota. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.
Show the 39 lenders that say they lend nationwide
- BlueHub Loan Fund IncLoan fund · Boston, MAChild-care facility financing, Commercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
National lender with investments in 25 states, Washington DC and Puerto Rico
Verified - Bridge Investment Community Development CorporationLoan fund · Rock Island, ILAffordable housing development loans, Microloans, Small-business loans
National service area with a primary focus on Investment Areas in Iowa and Illinois
Verified - Business Consortium Fund, Inc.Loan fund · New York, NYSmall-business loans
Small businesses across the United States
Verified - Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages
Across the country (nationwide), for homeowners in underserved communities
Verified - Community Development Trust, LP, TheLoan fund · New York, NYAffordable housing development loans
Nationwide: affordable housing communities across the United States
Verified - Community Housing Capital, Inc.Loan fund · Decatur, GAAffordable housing development loans
Nationwide, for NeighborWorks America organizations
Verified - Community Preservation CorporationLoan fund · New York, NYCommercial real estate loans, Equity / venture investment
National lender serving communities across the U.S.
Verified - Dakota ResourcesLoan fund · Renner, SDMicroloans, Nonprofit / community facility loans
Rural places nationwide
Verified - Disability Fund, Inc., TheLoan fund · Rockville Centre, NYAffordable housing development loans
Projects for people with disabilities throughout the United States
Verified - Enterprise Community Loan Fund, Inc.Loan fund · Columbia, MDEquity / venture investment
Deals in every state, Washington, D.C., and Puerto Rico
Verified - Entertainment Industries FCUCredit union · Elizabeth, NJAuto / vehicle loans, Home mortgages
Mortgages offered in all 50 states
Verified - Five Points Community Capital, LLCLoan fund · Austin, TXAffordable housing development loans, Small-business loans
Vulnerable and low-income communities throughout the United States, with a targeted focus on rural areas
Verified - Greenline Community Development Fund, LLCLoan fund · Denver, COEquity / venture investment, Small-business loans
Businesses throughout the country; 35 states served
Verified - Grow America Fund, Inc.Loan fund · Boston, MASmall-business loans
Small business lending in communities across the United States
Verified - Housing Partnership Fund, Inc., TheLoan fund · Boston, MAAffordable housing development loans
Nationwide, serving nonprofit developers of affordable housing
Verified - Local Initiatives Support CorporationLoan fund · New York, NYChild-care facility financing, Affordable housing development loans, Nonprofit / community facility loans, Small-business loans
Nationwide: offers financing to organizations across the country
Verified - Mercy Community CapitalLoan fund · Denver, COAffordable housing development loans
Affordable housing developments located in the United States
Verified - Mobility Credit Acceptance LLCLoan fund · Richmond, VAAuto / vehicle loans, Equipment loans, Home repair / improvement loans
Nationwide, through a network of dealers and manufacturers
Verified - NDC Community Impact Loan FundLoan fund · Boston, MASmall-business loans
Small business lending in communities across the United States
Verified - National Association for Latino Community Asset BuildersLoan fund · San Antonio, TXCommercial real estate loans
Nonprofit member organizations across the United States
Verified - National Community Investment FundVenture capital fund · Chicago, ILAffordable housing development loans, Small-business loans
Across the country: small towns, rural areas and urban neighborhoods
Verified - Neighborworks Capital CorporationLoan fund · Silver Spring, MDAffordable housing development loans
Nationwide; NeighborWorks network members active in every state, DC and Puerto Rico
Verified - Nonprofit Finance FundLoan fund · New York, NYChild-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans, Affordable housing development loans…
Mission-driven organizations across the United States
Verified - OPAL Community Capital LLCLoan fund · Birmingham, ALCommercial real estate loans
Mostly nationwide for historic tax credit transactions; some deals in eligible geographies
Verified - Partners for the Common Good, Inc.Loan fund · Washington, DCCommercial real estate loans, Affordable housing development loans, Nonprofit / community facility loans
Nationwide; finances affordable housing, community facilities and other projects.
Verified - Primary Care Development CorporationLoan fund · New York, NYEquipment loans, Nonprofit / community facility loans
Nationwide: community-based health providers across the country
Verified - REDF Impact Investing FundLoan fund · San Francisco, CACommercial real estate loans, Small-business loans
Invests in small businesses across the U.S.
Verified - Raza Development Fund, Inc.Loan fund · Phoenix, AZNonprofit / community facility loans
Communities across America (no states named)
Verified - Reinvestment Fund, Inc., TheLoan fund · Philadelphia, PAChild-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans, Equipment loans…
Lends across the country (national)
Verified - Resident Ownership Capital, LLC dba ROC USA CapitalLoan fund · Washington, DCAffordable housing development loans
Nationwide, coast to coast, through affiliates and an in-house team
Verified - Rocky Mountain Community Reinvestment CorporationLoan fund · Salt Lake City, UTAffordable housing development loans
Across the United States, financing affordable housing nationwide
Verified - Shared Capital CooperativeLoan fund · Saint Paul, MNCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loans
Any US business or housing cooperative
Verified - Springboard CDFILoan fund · National City, CAHome mortgages
National (nationwide) lender
Verified - The Community Business Investment Fund, LLCLoan fund · Austin, TXAffordable housing development loans
Nationwide; prioritizes investment in rural communities
Verified - The Housing Partnership Network, Inc.Loan fund · Boston, MAAffordable housing development loans
Nationwide lending to nonprofit housing developers
Verified - The Sunlight Loan Fund, LLCLoan fund · Minneapolis, MNChild-care facility financing
Nationwide across the United States
Verified - Triple Bottom Line FoundationLoan fund · Lakewood, COEnergy / solar / efficiency loans
National (United States)
Verified - UPI LOAN FUNDLoan fund · Chandler, AZPersonal / consumer loans, Small-business loans
Underserved low- to moderate-income communities across the United States
Verified - Urban Strategies IncLoan fund · Saint Louis, MOMicroloans, Small-business loans
Urban communities nationally
Verified
More loan types in North Dakota
Lender websites, read 29 Oct 2026–4 Nov 2026Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.
Small Business Loans (2)
- Dakota Business LendingLoan fund · Fargo, NDSBA-backed loans (7(a)/504/Community Advantage), Small-business loans
Loan options ranging from $1,000 - $75,000.
Verified - Midwest Minnesota Community Development CorporationLoan fund · Detroit Lakes, MNHome repair / improvement loans, Home mortgages, Small-business loans
Funding ranges from $5,000 to $250,000
Verified
Microloans (1)
SBA Loans (1)
Mortgages (1)
Home Repair Loans (1)
Nonprofit Facility Loans (1)
CDFI Fund awards
2 of the 2 certified CDFIs headquartered in North Dakota have received CDFI Fund awards, $3.5 million in total; the largest: CommunityWorks North Dakota ($3.3 million), Dakota Business Lending ($125,000). All CDFI Fund award recipients based in North Dakota, certified today or not: $8 million in 23 awards, 1998–2022.
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.
Free help in North Dakota
Free or low-cost advice before you apply: 9 Small Business Development Center offices; 2 SCORE chapters; 1 Women's Business Center; 1 Veterans Business Outreach Center; 3 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 North Dakota
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 220 SBA approvals (5 7(a) loans and 215 504 projects) for borrowers in North Dakota in fiscal years 2020–2026, from 4 CDFIs. The 7(a) loans total $3.6M approved.
Most SBA approvals here: Dakota Business Lending (217).
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 North Dakota (FY2022)
CDFI Fund data, released Dec 202424 loans and investments totaling $2.1M (median $31,748) were reported to the CDFI Fund for borrowers and projects in North Dakota in fiscal year 2022, by 7 reporting CDFIs. More than half of these records come from a single reporting CDFI.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home purchase | 10 | $447,009 | $24,047 |
| Non-real estate microenterprise | 7 | $195,229 | $31,735 |
| Home improvement | 3 | $75,032 | $29,272 |
| Other purposes | 4 | $1.4M |
Of 12 individual borrowers whose income was reported, 83% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 908 consumer loans in North Dakota totaling $12.7M (Consumer Loan Report, tract totals, so no median); they counted 40% of them as serving low-income borrowers.
Counties with the most recorded loans and investments
Fiscal year 2022; 2 North Dakota counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.
| County | Count | Total |
|---|---|---|
| Cass County | 7 | $458,691 |
| Grand Forks County | 3 | $183,298 |
Loans and investments reported in other years: FY2018 6 · FY2019 8 · FY2020 20 · FY2021 245.
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 North Dakota, by city
CDFI Fund list, 21 Oct 20262 certified CDFIs: 2 loan funds. A headquarters address is not a service area; each lender is also listed in its group above.
- Fargo (1): Dakota Business Lending
- Mandan (1): CommunityWorks North Dakota
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/nd/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).