County directory · Tennessee

CDFI lenders in Davidson County, TN

5 are headquartered here. 1 more has a bank or credit-union branch here. 2 more say they serve all of Tennessee. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county: 0
Based here: 5
Branch here: 1
Serve all of TN: 2

None of the lender websites we read names Davidson County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Antioch, Goodlettsville, Hermitage, Joelton, Madison, Nashville, Old Hickory, Whites Creek.

Lenders compared for Davidson County

15 with local records

Lender	Local records	Loan sizes	Head office
1. Citizens Savings Bank and Trust Company Bank or thrift, Nashville TN	headquarters here; 2 offices here; 23 home loans here, 2025	ask	2 mi
2. Fortera Credit Union Credit union, Clarksville TN	1 office here; 39 home loans here, 2025	ask	40 mi
3. METROPOLITAN TEACHERS' CREDIT UNION Credit union, Nashville TN	headquarters here; 1 office here	ask	2 mi
4. Champions Funding, LLC Loan fund, Gilbert AZ	61 home loans here, 2025	up to $3M	1,426 mi
5. Change Lending, LLC Loan fund, Anaheim CA	19 home loans here, 2025	up to $3.5M	1,753 mi
6. Brightbridge, Inc. Loan fund, Chattanooga TN	15 SBA loans here, FY2020–FY2026	ask	113 mi
7. Southern Bancorp Bank Bank or thrift, Arkadelphia AR	15 home loans here, 2025	ask	383 mi
8. GTE Federal Credit Union Credit union, Tampa FL	8 home loans here, 2025	ask	621 mi
9. HOPE FEDERAL CREDIT UNION Credit union, Jackson MS	7 home loans here, 2025	ask	331 mi
10. Citizens National Bank of Meridian Bank or thrift, Meridian MS	6 SBA loans here, FY2020–FY2026	ask	285 mi
11. Orion Federal Credit Union Credit union, Memphis TN	5 home loans here, 2025	ask	197 mi
12. BankFirst Financial Services Bank or thrift, Columbus MS	4 SBA loans here, FY2020–FY2026	ask	205 mi
13. The Housing Fund, Inc. Loan fund, Madison TN	headquarters here	ask	in the county
14. Affordable Housing Resources, Inc. Loan fund, Nashville TN	headquarters here	ask	2 mi
15. Southeast Community Capital Corporation DBA Pathway Lending Loan fund, Nashville TN	headquarters here	ask	2 mi

13 of these 15 lenders have received CDFI Fund awards, together $127.7M in fiscal years 2000–2024 (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 2 branches or offices of 6 lenders on this page, within 30 miles of the centre of Davidson 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 (2 lenders)
Personal / consumer loans (2 lenders)
Home repair / improvement loans (2 lenders)
Commercial real estate loans (1 lender)
Small-business loans (1 lender)
Auto / vehicle loans (1 lender)

Banks and credit unions with a branch in this county

3 certified CDFIs have at least one office in Davidson County (FDIC office data as of 30 Oct 2026 and 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 193 originated home loans for properties in Davidson County in 2025 under the Home Mortgage Disclosure Act: 1.2% of the 16,329 home loans that all HMDA lenders reported here.

Plus 10 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 Davidson County

Official statistics

Median household income in Davidson County is $77,853, 12% above the Tennessee figure of $69,595 (ACS 2020–2024).

Businesses here took 35.3 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Tennessee county (15.8), rank 15 of 95.

Measure	Davidson County	Tennessee
Businesses with paid employees (CBP 2023)	22,122 (14.7% of the state)	150,129
…of which under 20 employees	80%	82%
Businesses without employees (Nonemployer Statistics 2023)	94,271	649,168
Median household income (ACS 2020–2024)	$77,853 (12% above the state)	$69,595
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	782 (762 7(a), 20 504)	4,360
…per 1,000 businesses with employees	35.3 (rank 15 of 95 Tennessee counties)	15.8 (median county)
Median SBA 7(a) loan, all lenders	$260,800	$275,000
…with a certified CDFI as lender, CDC or third-party lender	28 (4%)	273 (6%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (365 loans; 14% at the SBA maximum)	2.75 pts (11% at the maximum)

Approvals by fiscal year: FY2020 64 · FY2021 72 · FY2022 80 · FY2023 133 · FY2024 154 · FY2025 169 · FY2026 110.

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 28 SBA approvals (14 7(a) loans and 14 504 projects) for borrowers in Davidson County in fiscal years 2020–2026, from 5 CDFIs. The 7(a) loans total $4.4M approved.

CDFIs with 3 or more: Brightbridge, Inc. (15), Citizens National Bank of Meridian (6), BankFirst Financial Services (4). 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

415 loans and investments totaling $120.8M (median $67,000) were reported to the CDFI Fund for borrowers and projects in Davidson County in fiscal year 2022, by 48 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	135	$19.8M	$100,000
Non-real estate business	114	$24.4M	$65,000
Home improvement	94	$8.4M	$70,000
Non-real estate microenterprise	39	$645,626	$17,922
Real estate: commercial construction, permanent or acquisition	12	$22.7M	$1M
Real estate: single-family housing rehabilitation	6	$2.4M	$367,000
Other purposes	15	$42.4M

Of 211 individual borrowers whose income was reported, 62% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 5,040 consumer loans in Davidson County totaling $31.6M (Consumer Loan Report, tract totals, so no median); they counted 18% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 97 · FY2019 233 · FY2020 172 · FY2021 1,835.

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.

Headquartered in Davidson County

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

Say they serve all of Tennessee

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.