County directory · New Mexico

CDFI lenders in Santa Fe County, NM

2 certified CDFIs name Santa Fe County or a town in it as part of their service area on their own website. 2 more are headquartered here. 2 more have a bank or credit-union branch 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) and FDIC/NCUA branch records.

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

A lender naming Santa Fe 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: Cerrillos, Edgewood, Glorieta, Lamy, Santa Cruz, Santa Fe, Stanley, Tesuque.

Lenders compared for Santa Fe County

8 with local records

Lender	Local records	Loan sizes	Head office
1. Guadalupe Credit Union Credit union, Santa Fe NM	website names Santa Fe County; headquarters here; 4 offices here; 34 home loans here, 2025	ask	7 mi
2. Nusenda Credit Union Credit union, Albuquerque NM	3 offices here; 156 home loans here, 2025	ask	51 mi
3. U.S. Eagle Federal Credit Union Credit union, Albuquerque NM	1 office here; 15 home loans here, 2025	ask	44 mi
4. Northern New Mexico School Employees Federal Credit Union Credit union, Santa Fe NM	headquarters here; 1 office here	ask	7 mi
5. Santa Fe Community Housing Trust Loan fund, Santa Fe NM	website names Santa Fe; headquarters here	up to $50,000	6 mi
6. Champions Funding, LLC Loan fund, Gilbert AZ	3 home loans here, 2025	up to $3M	363 mi
7. Change Lending, LLC Loan fund, Anaheim CA	3 home loans here, 2025	up to $3.5M	679 mi
8. Homewise, Inc. Loan fund, Santa Fe NM	headquarters here	ask	6 mi

7 of these 8 lenders have received CDFI Fund awards, together $51.5M in fiscal years 1999–2024 (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

6 lenders

5 head offices and 28 branches or offices of 6 lenders on this page, within 50 miles of the centre of Santa Fe 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 (4 lenders)
Small-business loans (1 lender)
Commercial real estate loans (1 lender)
Auto / vehicle loans (1 lender)
Personal / consumer loans (1 lender)

Banks and credit unions with a branch in this county

4 certified CDFIs have at least one office in Santa Fe 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 216 originated home loans for properties in Santa Fe County in 2025 under the Home Mortgage Disclosure Act: 7.0% of the 3,074 home loans that all HMDA lenders reported here.

Plus 4 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 Santa Fe County

Official statistics

Median household income in Santa Fe County is $79,071, 23% above the New Mexico figure of $64,059 (ACS 2020–2024).

Businesses here took 34.2 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median New Mexico county (31.2), rank 14 of 33.

Measure	Santa Fe County	New Mexico
Businesses with paid employees (CBP 2023)	4,976 (11.1% of the state)	44,861
…of which under 20 employees	89%	85%
Businesses without employees (Nonemployer Statistics 2023)	17,686	140,015
Median household income (ACS 2020–2024)	$79,071 (23% above the state)	$64,059
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	170 (138 7(a), 32 504)	1,694
…per 1,000 businesses with employees	34.2 (rank 14 of 33 New Mexico counties)	31.2 (median county)
Median SBA 7(a) loan, all lenders	$217,500	$248,200
…with a certified CDFI as lender, CDC or third-party lender	1 or 2	63 (4%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (57 loans; 16% at the SBA maximum)	2.75 pts (13% at the maximum)

Approvals by fiscal year: FY2020 26 · FY2021 25 · FY2022 20 · FY2023 18 · FY2024 27 · FY2025 30 · FY2026 24.

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.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

872 loans and investments totaling $231.8M (median $136,460) were reported to the CDFI Fund for borrowers and projects in Santa Fe County in fiscal year 2022, by 19 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	470	$70.6M	$86,300
Home improvement	273	$52.7M	$166,500
None of the listed purposes	53	$14M	$152,300
Non-real estate business	52	$85.9M	$649,874
Non-real estate microenterprise	20	$171,747	$5,325
Other purposes	4	$8.5M

Of 600 individual borrowers whose income was reported, 33% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 8,062 consumer loans in Santa Fe County totaling $164M (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 621 · FY2019 646 · FY2020 520 · FY2021 1,134.

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 Santa Fe County or a town in it

Headquartered in Santa Fe 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.