CDFI lenders in New York County, NY

16 more lenders with local records are listed further down.

40 of these 46 lenders have received CDFI Fund awards, together $480.6M in fiscal years 1996–2024 (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.

40 head offices and 42 branches or offices of 42 lenders on this page, within 30 miles of the centre of New York County. Lenders with no office nearby may still lend here; many work by phone and online.

CDFI mortgage lenders active here

Certified CDFIs reported 21 originated home loans for properties in New York County in 2025 under the Home Mortgage Disclosure Act: 0.3% of the 7,521 home loans that all HMDA lenders reported here.

• Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages9 home loans here in 2025 (HMDA)Verified
• New York University FCUCredit union · New York, NYAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Personal / consumer loans5 home loans here in 2025 (HMDA)Verified
• FNBC BankBank or thrift · Ash Flat, ARAgriculture / farm loans, Auto / vehicle loans, Equipment loans, Home mortgages…3 home loans here in 2025 (HMDA)Verified
• International Bank of ChicagoBank or thrift · Chicago, ILAuto / vehicle loans, Commercial real estate loans, Microloans, Home mortgages…3 home loans here in 2025 (HMDA)Verified

Plus 1 more certified CDFI 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 New York County is $103,931, 21% above the New York figure of $85,974 (ACS 2020–2024).

Businesses here took 24.0 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median New York county (40.2), rank 57 of 62.

Approvals by fiscal year: FY2020 197 · FY2021 210 · FY2022 210 · FY2023 405 · FY2024 473 · FY2025 442 · FY2026 313.

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 38 SBA approvals (37 7(a) loans and 1 504 project) for borrowers in New York County in fiscal years 2020–2026, from 11 CDFIs. The 7(a) loans total $14.3M approved.

CDFIs with 3 or more: Neighborhood Trust Federal Credit Union (9), Brooklyn Cooperative Federal Credit Union (8), LOWER EAST SIDE PEOPLES FEDERAL CREDIT UNION (6), NYBDC Local Development Corporation (5), Financial Resources Federal Credit Union (4). 6 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.

4,539 loans and investments totaling $301.3M (median $5,750) were reported to the CDFI Fund for borrowers and projects in New York County in fiscal year 2022, by 53 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Of 581 individual borrowers whose income was reported, 89% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 2,992 consumer loans in New York County totaling $16.5M (Consumer Loan Report, tract totals, so no median); they counted 20% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 3,406 · FY2019 3,666 · FY2020 3,570 · FY2021 6,093.

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.