CDFI lenders in Tennessee

• 7 · Name a county or town in TNLender websites, read 29 Oct 2026–4 Nov 2026
• 2 · Lend statewideLender websites, read 29 Oct 2026–4 Nov 2026
• 7 · Name Tennessee or part of itLender websites, read 29 Oct 2026–4 Nov 2026
• 28 · Headquartered here, no area statedCDFI Fund list, 21 Oct 2026
• 9 · Based elsewhere, branch hereFDIC office data as of 30 Oct 2026, NCUA branch data as of 30 Jun 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. 41 certified CDFIs are headquartered in Tennessee (CDFI Fund list, 21 Oct 2026); 13 of them appear in the first groups because their website names an area here.

Loan types with too few lenders here for a page of their own. Each row quotes the lender's website.

8 certified loan funds headquartered in Tennessee are matched to a Form 990 or 990-EZ; median total assets $37.9M. End-of-year figures self-reported to the IRS, from the IRS Annual Extract of Tax-Exempt Organization Financial Data; each row shows its own fiscal year. Assets are the organisation’s whole balance sheet, not only its loans; “Loans receivable” is Form 990 Part X line 7 (notes and loans receivable); “—” means that line was empty or zero, not that the fund has no loans.

Certified CDFIs were the lender, the CDC or the third-party lender on 273 SBA approvals (168 7(a) loans and 105 504 projects) for borrowers in Tennessee in fiscal years 2020–2026, from 23 CDFIs. The 7(a) loans total $106.3M approved.

Most SBA approvals here: Brightbridge, Inc. (132), Citizens National Bank of Meridian (24), Peoples Bank (17), BankFirst Financial Services (15), Decatur County Bank (15).

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.

5,319 loans and investments totaling $1.7B (median $114,517) were reported to the CDFI Fund for borrowers and projects in Tennessee in fiscal year 2022, by 116 reporting CDFIs.

Of 1,999 individual borrowers whose income was reported, 41% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 59,110 consumer loans in Tennessee totaling $747.4M (Consumer Loan Report, tract totals, so no median); they counted 29% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 66 Tennessee counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

Loans and investments reported in other years: FY2018 1,266 · FY2019 1,337 · FY2020 2,459 · FY2021 14,228.

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.

41 certified CDFIs: 11 loan funds · 12 credit unions · 11 banks or thrifts · 7 bank holding companies. A headquarters address is not a service area; each lender is also listed in its group above.

• Chattanooga (3): BetterFi, Brightbridge, Inc., Trust Federal Credit Union · city page
• Clarksville (1): Fortera Credit Union
• Collierville (1): Southern Security Federal Credit Union
• Cookeville (2): Cumberland Capital Partners, Tennessee Rural Development Fund LLC
• Copperhill (1): Copper Basin Federal Credit Union
• Decaturville (2): Decatur Bancshares, Inc., Decatur County Bank
• Dunlap (2): Mountain Valley Bank, Sequatchie County Bancorp, Inc.
• Erwin (1): Clinchfield Federal Credit Union
• Helenwood (1): The First National Bank of Oneida
• Huntingdon (2): Carroll Bank and Trust, Carroll Financial Services, Inc.
• Jamestown (1): UNION BANK
• Johnson City (1): Homeworks Community Lending LLC
• Kingsport (2): APPALACHIAN COMMUNITY FCU, Horizon Credit Union
• Knoxville (1): Three Roots Capital
• Lawrenceburg (1): Employee Resources Credit Union
• Madison (1): The Housing Fund, Inc.
• Memphis (3): Orion Federal Credit Union, River City Capital Investment, LLC., United Housing, Inc. · city page
• Nashville (4): Affordable Housing Resources, Inc., Citizens Savings Bank and Trust Company, METROPOLITAN TEACHERS' CREDIT UNION, Southeast Community Capital Corporation DBA Pathway Lending · city page
• Oak Ridge (2): Tennessee Members 1st FCU, Y-12 Federal Credit Union
• Paris (2): SECURITY BANK AND TRUST COMPANY, Security Bancshares, Inc.
• Savannah (1): CENTRAL BANK
• Selmer (2): HOME BANCSHARES, INC, Home Banking Company
• Trezevant (2): Centennial Bank, F & M Bancshares, Inc.
• Waynesboro (2): Wayne County Bancshares, Inc., Wayne County Bank