County directory · Tennessee

CDFI lenders in Shelby County, TN

2 certified CDFIs name Shelby County or a town in it as part of their service area on their own website. 2 more are headquartered here. 11 more have a bank or credit-union branch here. 3 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: 2
Based here: 2
Branch here: 11
Serve all of TN: 3

A lender naming Shelby 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: Arlington, Brunswick, Collierville, Cordova, Eads, Ellendale, Germantown, Memphis, Millington.

Lenders compared for Shelby County

29 with local records

Lender	Local records	Loan sizes	Head office
1. Orion Federal Credit Union Credit union, Memphis TN	headquarters here; 11 offices here; 250 home loans here, 2025	ask	7 mi
2. Community Bank of Mississippi Bank or thrift, Flowood MS	1 office here; 4 SBA loans here, FY2020–FY2026; 60 home loans here, 2025	ask	196 mi
3. Guaranty Bank and Trust Company Bank or thrift, Belzoni MS	2 offices here; 13 SBA loans here, FY2020–FY2026; 31 home loans here, 2025	ask	141 mi
4. Planters Bank & Trust Company Bank or thrift, Indianola MS	1 office here; 42 home loans here, 2025	ask	125 mi
5. HOPE FEDERAL CREDIT UNION Credit union, Jackson MS	2 offices here; 41 home loans here, 2025	ask	199 mi
6. Southern Bancorp Bank Bank or thrift, Arkadelphia AR	3 SBA loans here, FY2020–FY2026; 15 home loans here, 2025	ask	192 mi
7. Citizens National Bank of Meridian Bank or thrift, Meridian MS	5 SBA loans here, FY2020–FY2026; 7 home loans here, 2025	ask	208 mi
8. BankFirst Financial Services Bank or thrift, Columbus MS	7 SBA loans here, FY2020–FY2026; 4 home loans here, 2025	ask	150 mi
9. Decatur County Bank Bank or thrift, Decaturville TN	1 office here; 6 SBA loans here, FY2020–FY2026	ask	105 mi
10. Peoples Bank Bank or thrift, Mendenhall MS	4 SBA loans here, FY2020–FY2026; 3 home loans here, 2025	$500–$5M	222 mi
11. Southern Security Federal Credit Union Credit union, Collierville TN	headquarters here; 5 offices here	ask	18 mi
12. Liberty Bank and Trust Company Bank or thrift, New Orleans LA	1 office here; 3 home loans here, 2025	ask	355 mi
13. United Housing, Inc. Loan fund, Memphis TN	website names Memphis; headquarters here	$5,000–$25,000	2 mi
14. River City Capital Investment, LLC. Loan fund, Memphis TN	website names Shelby County; headquarters here	up to $100,000	5 mi
15. Champions Funding, LLC Loan fund, Gilbert AZ	55 home loans here, 2025	up to $3M	1,248 mi
16. Change Lending, LLC Loan fund, Anaheim CA	28 home loans here, 2025	up to $3.5M	1,581 mi
17. Bank of Holly Springs Bank or thrift, Holly Springs MS	21 home loans here, 2025	ask	38 mi
18. BANKPLUS Bank or thrift, Belzoni MS	10 home loans here, 2025	ask	141 mi
19. SECURITY BANK AND TRUST COMPANY Bank or thrift, Paris TN	6 home loans here, 2025	ask	120 mi
20. Fortera Credit Union Credit union, Clarksville TN	5 home loans here, 2025	ask	172 mi
21. Citizens Savings Bank and Trust Company Bank or thrift, Nashville TN	5 home loans here, 2025	ask	189 mi
22. ACC Capital, Inc. Loan fund, Little Rock AR	4 SBA loans here, FY2020–FY2026	ask	136 mi
23. Brightbridge, Inc. Loan fund, Chattanooga TN	4 SBA loans here, FY2020–FY2026	ask	261 mi
24. First Security Bank Bank or thrift, Batesville MS	3 home loans here, 2025	ask	59 mi
25. Guaranty Capital Corporation Bank holding company, Belzoni MS	2 offices here	ask	141 mi
26. Decatur Bancshares, Inc. Bank holding company, Decaturville TN	1 office here	ask	105 mi
27. Planters Holding Company Bank holding company, Indianola MS	1 office here	ask	125 mi
28. Community Bancshares of Mississippi, Inc. Bank holding company, Flowood MS	1 office here	ask	196 mi
29. Liberty Financial Services, Inc. Bank holding company, New Orleans LA	1 office here	ask	355 mi

25 of these 29 lenders have received CDFI Fund awards, together $209.5M 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

22 lenders

4 head offices and 71 branches or offices of 22 lenders on this page, within 30 miles of the centre of Shelby County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Commercial real estate loans (2 lenders)
Equipment loans (2 lenders)
Auto / vehicle loans (2 lenders)
Home mortgages (2 lenders)
Personal / consumer loans (2 lenders)
Small-business loans (1 lender)
Home repair / improvement loans (1 lender)

Banks and credit unions with a branch in this county

13 certified CDFIs have at least one office in Shelby 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 598 originated home loans for properties in Shelby County in 2025 under the Home Mortgage Disclosure Act: 4.1% of the 14,546 home loans that all HMDA lenders reported here.

Plus 5 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 Shelby County

Official statistics

Median household income in Shelby County is $63,767, 8% below the Tennessee figure of $69,595 (ACS 2020–2024).

Businesses here took 27.5 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Tennessee county (15.8), rank 26 of 95.

Measure	Shelby County	Tennessee
Businesses with paid employees (CBP 2023)	19,359 (12.9% of the state)	150,129
…of which under 20 employees	79%	82%
Businesses without employees (Nonemployer Statistics 2023)	100,318	649,168
Median household income (ACS 2020–2024)	$63,767 (8% below the state)	$69,595
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	533 (525 7(a), 8 504)	4,360
…per 1,000 businesses with employees	27.5 (rank 26 of 95 Tennessee counties)	15.8 (median county)
Median SBA 7(a) loan, all lenders	$325,000	$275,000
…with a certified CDFI as lender, CDC or third-party lender	55 (10%)	273 (6%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (248 loans; 10% at the SBA maximum)	2.75 pts (11% at the maximum)

Approvals by fiscal year: FY2020 45 · FY2021 88 · FY2022 80 · FY2023 61 · FY2024 87 · FY2025 83 · FY2026 89.

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 55 SBA approvals (51 7(a) loans and 4 504 projects) for borrowers in Shelby County in fiscal years 2020–2026, from 12 CDFIs. The 7(a) loans total $38.8M approved.

CDFIs with 3 or more: Guaranty Bank and Trust Company (13), BankFirst Financial Services (7), Decatur County Bank (6), Citizens National Bank of Meridian (5), Peoples Bank (4), Community Bank of Mississippi (4), ACC Capital, Inc. (4), Brightbridge, Inc. (4), Southern Bancorp Bank (3). 3 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

1,460 loans and investments totaling $663.3M (median $161,000) were reported to the CDFI Fund for borrowers and projects in Shelby County in fiscal year 2022, by 60 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Non-real estate business	409	$220.9M	$205,936
Real estate: commercial construction, permanent or acquisition	270	$163.6M	$200,000
Non-real estate microenterprise	250	$2.9M	$1,725
Home purchase	225	$67.8M	$224,000
Home improvement	123	$14.6M	$50,000
Real estate: single-family housing construction	63	$29.2M	$253,878
Other purposes	118	$162.5M

Of 152 individual borrowers whose income was reported, 46% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 11,493 consumer loans in Shelby County totaling $182.7M (Consumer Loan Report, tract totals, so no median); they counted 11% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 810 · FY2019 503 · FY2020 1,571 · FY2021 7,593.

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 Shelby County or a town in it

Headquartered in Shelby 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.