County directory · Pennsylvania
CDFI lenders in Lancaster County, PA
2 certified CDFIs name Lancaster County or a town in it as part of their service area on their own website. 1 more is headquartered here. 3 more say they serve all of Pennsylvania. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).
- Name this county
- 2
- Based here
- 1
- Serve all of PA
- 3
A lender naming Lancaster 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: Adamstown, Akron, Bainbridge, Bart, Bausman, Bird In Hand, Blue Ball, Bowmansville, Brownstown, Christiana, Columbia, Conestoga….
Lenders compared for Lancaster County
4 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. TENFOLD COMMUNITY LENDING Loan fund, Lancaster PA | website names Lancaster County; headquarters here | ask | 2 mi |
| 2. ASSETS Lancaster Loan fund, Lancaster PA | website names Lancaster County; headquarters here | $500–$10,000 | 7 mi |
| 3. Champions Funding, LLC Loan fund, Gilbert AZ | 3 home loans here, 2025 | up to $3M | 2,006 mi |
| 4. Community First Fund dba Finanta Loan fund, Lancaster PA | headquarters here | ask | 4 mi |
4 of these 4 lenders have received CDFI Fund awards, together $52.1M in fiscal years 1998–2024 (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
4 lenders4 head offices of 4 lenders on this page, within 35 miles of the centre of Lancaster County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Small-business loans (2 lenders)
- Commercial real estate loans (1 lender)
- Credit-builder loans (1 lender)
- Affordable housing development loans (1 lender)
- Microloans (1 lender)
- Home mortgages (1 lender)
- Nonprofit / community facility loans (1 lender)
- SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
CDFI mortgage lenders active here
Certified CDFIs reported 5 originated home loans for properties in Lancaster County in 2025 under the Home Mortgage Disclosure Act: under 0.1% of the 11,699 home loans that all HMDA lenders reported here.
Plus 2 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 Lancaster County
Official statisticsMedian household income in Lancaster County is $86,959, 12% above the Pennsylvania figure of $77,971 (ACS 2020–2024).
Businesses here took 33.2 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: about as many as the median Pennsylvania county (34.1), rank 37 of 67.
| Measure | Lancaster County | Pennsylvania |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 13,776 (4.5% of the state) | 307,065 |
| …of which under 20 employees | 82% | 84% |
| Businesses without employees (Nonemployer Statistics 2023) | 48,663 | 955,359 |
| Median household income (ACS 2020–2024) | $86,959 (12% above the state) | $77,971 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 458 (406 7(a), 52 504) | 12,779 |
| …per 1,000 businesses with employees | 33.2 (rank 37 of 67 Pennsylvania counties) | 34.1 (median county) |
| Median SBA 7(a) loan, all lenders | $200,000 | $150,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 3 (1%) | 75 (1%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.75 pts (200 loans; 12% at the SBA maximum) | 2.75 pts (11% at the maximum) |
Approvals by fiscal year: FY2020 54 · FY2021 62 · FY2022 55 · FY2023 53 · FY2024 74 · FY2025 86 · FY2026 74.
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 2026Certified CDFIs were the lender, the CDC or the third-party lender on 3 SBA approvals (2 7(a) loans and 1 504 project) for borrowers in Lancaster County in fiscal years 2020–2026, from 3 CDFIs.
No single CDFI made 3 or more of them, so we do not name the lenders.
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 202468 loans and investments totaling $6.9M (median $20,000) were reported to the CDFI Fund for borrowers and projects in Lancaster County in fiscal year 2022, by 14 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate business | 20 | $1.8M | $63,200 |
| Consumer | 19 | $100,235 | $6,000 |
| Non-real estate microenterprise | 14 | $322,800 | $20,000 |
| Real estate: commercial construction, permanent or acquisition | 6 | $2.1M | $380,000 |
| Home purchase | 5 | $2M | $240,000 |
| Other purposes | 4 | $567,350 |
Of 20 individual borrowers whose income was reported, 80% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 563 consumer loans in Lancaster County totaling $2.2M (Consumer Loan Report, tract totals, so no median); they counted 10% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 29 · FY2019 67 · FY2020 85 · FY2021 217.
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 Lancaster County or a town in it
- ASSETS LancasterLoan fund · Lancaster, PASmall-business loansNames Lancaster County ·
Central Pennsylvania: Lancaster, Berks, Dauphin, York and Lebanon counties
Verified - TENFOLD COMMUNITY LENDINGLoan fund · Lancaster, PANames Lancaster County ·
Homes located within Lancaster County (homebuyer loans)
Verified
Headquartered in Lancaster County
The official list gives a headquarters address here. Check each lender's page for where it lends.
Say they serve all of Pennsylvania
- NYBDC Local Development CorporationLoan fund · Latham, NYCommercial real estate loans, Equipment loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Neighborhood Housing Services of Greater Berks, Inc.Loan fund · Reading, PAHome repair / improvement loansVerified
- West Central Development Corporation, dba Anchor Financial ServicesLoan fund · Perrysburg, OHCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
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
- SCORE Susquehanna ValleySCORE mentoring · Lancaster, PA 17602800-634-0245
- ASSETS LancasterWomen's Business Center · 100 South Queen Street , Suite 246, Lancaster, PA 17603717-393-6089
- Maryland SBDC - Harford CountySmall Business Development Center · 2021 G. Pulaski Highway, Suite D, Havre de Grace, MD 21078443-373-3377 · about 36 miles from the centre of Lancaster County
Housing counseling
- Base,Inc.HUD-approved housing counselor · 447 S Prince St, Lancaster, PA 17603717-392-5467
- TenfoldHUD-approved housing counselor · 308 E King St, Lancaster, PA 17602717-397-5182
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.
City pages in Lancaster County
Other Pennsylvania counties
Source: CDFI Atlas, cdfiatlas.com/states/pa/counties/lancaster-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).