County directory · New Mexico

CDFI lenders in Bernalillo County, NM

2 certified CDFIs name Bernalillo County or a town in it as part of their service area on their own website. 8 more are headquartered here. 3 more say they serve all of New Mexico. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).

Name this county: 2
Based here: 8
Serve all of NM: 3

A lender naming Bernalillo 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: Albuquerque, Cedar Crest, Isleta, Kirtland Afb, Rio Rancho, Sandia Park, Tijeras.

Lenders compared for Bernalillo County

12 with local records

Lender	Local records	Loan sizes	Head office
1. U.S. Eagle Federal Credit Union Credit union, Albuquerque NM	headquarters here; 8 offices here; 9 SBA loans here, FY2020–FY2026; 237 home loans here, 2025	ask	6 mi
2. Nusenda Credit Union Credit union, Albuquerque NM	headquarters here; 15 offices here; 1,169 home loans here, 2025	ask	2 mi
3. Rio Grande Credit Union Credit union, Albuquerque NM	headquarters here; 7 offices here; 126 home loans here, 2025	ask	4 mi
4. First Financial Credit Union Credit union, Albuquerque NM	headquarters here; 8 offices here; 66 home loans here, 2025	ask	4 mi
5. DreamSpring Loan fund, Albuquerque NM	headquarters here; 18 SBA loans here, FY2020–FY2026	from $1,000	3 mi
6. Tiwa Lending Services Loan fund, Isleta NM	website names Bernalillo County; headquarters here	ask	12 mi
7. Change Lending, LLC Loan fund, Anaheim CA	11 home loans here, 2025	up to $3.5M	639 mi
8. Champions Funding, LLC Loan fund, Gilbert AZ	10 home loans here, 2025	up to $3M	316 mi
9. Women's Economic Self-Sufficiency Team Loan fund, Albuquerque NM	headquarters here	$500–$150,000	1 mi
10. NEW MEXICO COMMUNITY DEVELOPMENT LOAN FUND Loan fund, Albuquerque NM	headquarters here	ask	3 mi
11. Ventana Fund Loan fund, Albuquerque NM	headquarters here	up to $2M	3 mi
12. Guadalupe Credit Union Credit union, Santa Fe NM	website names Bernalillo County	ask	57 mi

11 of these 12 lenders have received CDFI Fund awards, together $65.9M in fiscal years 1997–2024 (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

9 lenders

9 head offices and 41 branches or offices of 9 lenders on this page, within 30 miles of the centre of Bernalillo County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Home mortgages (5 lenders)
Small-business loans (5 lenders)
Commercial real estate loans (4 lenders)
SBA-backed loans (7(a)/504/Community Advantage) (4 lenders)
Auto / vehicle loans (3 lenders)
Personal / consumer loans (2 lenders)
Equipment loans (2 lenders)
Credit-builder loans (1 lender)

Banks and credit unions with a branch in this county

4 certified CDFIs have at least one office in Bernalillo County (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 1,622 originated home loans for properties in Bernalillo County in 2025 under the Home Mortgage Disclosure Act: 11% of the 14,289 home loans that all HMDA lenders reported here.

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 Bernalillo County

Official statistics

Median household income in Bernalillo County is $69,473, 8% above the New Mexico figure of $64,059 (ACS 2020–2024).

Businesses here took 40.4 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median New Mexico county (31.2), rank 10 of 33.

Measure	Bernalillo County	New Mexico
Businesses with paid employees (CBP 2023)	16,349 (36.4% of the state)	44,861
…of which under 20 employees	83%	85%
Businesses without employees (Nonemployer Statistics 2023)	46,712	140,015
Median household income (ACS 2020–2024)	$69,473 (8% above the state)	$64,059
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	660 (567 7(a), 93 504)	1,694
…per 1,000 businesses with employees	40.4 (rank 10 of 33 New Mexico counties)	31.2 (median county)
Median SBA 7(a) loan, all lenders	$309,000	$248,200
…with a certified CDFI as lender, CDC or third-party lender	30 (5%)	63 (4%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (219 loans; 14% at the SBA maximum)	2.75 pts (13% at the maximum)

Approvals by fiscal year: FY2020 92 · FY2021 112 · FY2022 73 · FY2023 82 · FY2024 102 · FY2025 119 · FY2026 80.

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.

SBA loans made here by CDFIs

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 30 SBA approvals (20 7(a) loans and 10 504 projects) for borrowers in Bernalillo County in fiscal years 2020–2026, from 4 CDFIs. The 7(a) loans total $3.6M approved.

CDFIs with 3 or more: DreamSpring (18), U.S. Eagle Federal Credit Union (9). 2 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.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

2,064 loans and investments totaling $329.7M (median $50,000) were reported to the CDFI Fund for borrowers and projects in Bernalillo County in fiscal year 2022, by 25 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	1,535	$144.3M	$50,000
Home improvement	224	$17.6M	$64,000
Non-real estate business	155	$152.3M	$366,787
Non-real estate microenterprise	95	$1M	$6,050
Consumer	36	$243,840	$3,480
None of the listed purposes	8	$879,000	$47,500
Other purposes	11	$13.3M

Of 521 individual borrowers whose income was reported, 42% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 33,801 consumer loans in Bernalillo County totaling $676.4M (Consumer Loan Report, tract totals, so no median); they counted 40% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 779 · FY2019 937 · FY2020 829 · FY2021 3,452.

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 Bernalillo County or a town in it

Headquartered in Bernalillo County

The official list gives a headquarters address here. Check each lender's page for where it lends.

Say they serve all of New Mexico

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

Housing counseling

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.