County directory · Texas
CDFI lenders in Travis County, TX
8 are headquartered here. 3 more say they serve all of Texas. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).
- Name this county
- 0
- Based here
- 8
- Serve all of TX
- 3
None of the lender websites we read names Travis 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: Austin, Del Valle, Leander, Manchaca, Manor, Mc Neil, Pflugerville, Spicewood.
Lenders compared for Travis County
11 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. PeopleFund Loan fund, Austin TX | headquarters here; 33 SBA loans here, FY2020–FY2026 | ask | 4 mi |
| 2. Star of Texas Credit Union Credit union, Austin TX | headquarters here; 1 office here | ask | 4 mi |
| 3. Champions Funding, LLC Loan fund, Gilbert AZ | 52 home loans here, 2025 | up to $3M | 844 mi |
| 4. Change Lending, LLC Loan fund, Anaheim CA | 27 home loans here, 2025 | up to $3.5M | 1,194 mi |
| 5. LiftFund, Inc. Loan fund, San Antonio TX | 24 SBA loans here, FY2020–FY2026 | $500–$10M | 76 mi |
| 6. Texas Community Capital Loan fund, Austin TX | headquarters here | ask | 3 mi |
| 7. Business and Community Lenders (BCL) of Texas Loan fund, Austin TX | headquarters here | $5,000–$300,000 | 3 mi |
| 8. Just Community, Inc Loan fund, Austin TX | headquarters here | ask | 3 mi |
| 9. The Community Business Investment Fund, LLC Loan fund, Austin TX | headquarters here | ask | 3 mi |
| 10. Business Investment Growth Loan fund, Austin TX | headquarters here | ask | 6 mi |
| 11. Five Points Community Capital, LLC Loan fund, Austin TX | headquarters here | ask | 7 mi |
8 of these 11 lenders have received CDFI Fund awards, together $58.1M 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.
Where these lenders have offices
8 lenders8 head offices of 8 lenders on this page, within 30 miles of the centre of Travis 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 (3 lenders)
- Affordable housing development loans (3 lenders)
- Microloans (2 lenders)
- Small-dollar / emergency loans (2 lenders)
- Commercial real estate loans (1 lender)
- SBA-backed loans (7(a)/504/Community Advantage) (1 lender)
- Auto / vehicle loans (1 lender)
- Credit-builder loans (1 lender)
Banks and credit unions with a branch in this county
1 certified CDFI has at least one office in Travis County (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 88 originated home loans for properties in Travis County in 2025 under the Home Mortgage Disclosure Act: 0.4% of the 20,147 home loans that all HMDA lenders reported here.
- Champions Funding, LLCLoan fund · Gilbert, AZHome mortgages52 home loans here in 2025 (HMDA)Verified
- Change Lending, LLCLoan fund · Anaheim, CAHome mortgages27 home loans here in 2025 (HMDA)Verified
Plus 8 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 Travis County
Official statisticsMedian household income in Travis County is $99,611, 27% above the Texas figure of $78,476 (ACS 2020–2024).
Businesses here took 43.9 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Texas county (23.4), rank 43 of 253.
| Measure | Travis County | Texas |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 42,837 (6.4% of the state) | 670,877 |
| …of which under 20 employees | 84% | 84% |
| Businesses without employees (Nonemployer Statistics 2023) | 152,472 | 3,092,631 |
| Median household income (ACS 2020–2024) | $99,611 (27% above the state) | $78,476 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 1,880 (1,709 7(a), 171 504) | 28,903 |
| …per 1,000 businesses with employees | 43.9 (rank 43 of 253 Texas counties) | 23.4 (median county) |
| Median SBA 7(a) loan, all lenders | $350,000 | $347,900 |
| …with a certified CDFI as lender, CDC or third-party lender | 62 (3%) | 1,104 (4%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.75 pts (837 loans; 12% at the SBA maximum) | 2.75 pts (11% at the maximum) |
Approvals by fiscal year: FY2020 201 · FY2021 215 · FY2022 231 · FY2023 246 · FY2024 311 · FY2025 390 · FY2026 286.
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 62 SBA approvals (42 7(a) loans and 20 504 projects) for borrowers in Travis County in fiscal years 2020–2026, from 6 CDFIs. The 7(a) loans total $9.8M approved.
CDFIs with 3 or more: PeopleFund (33), LiftFund, Inc. (24). 4 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 20244,753 loans and investments totaling $120.7M (median $3,750) were reported to the CDFI Fund for borrowers and projects in Travis County in fiscal year 2022, by 37 reporting CDFIs. More than half of these records come from a single reporting CDFI.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate microenterprise | 4,464 | $20.7M | $3,750 |
| Consumer | 189 | $608,875 | $1,000 |
| Home purchase | 46 | $11.6M | $238,710 |
| Non-real estate business | 27 | $10.9M | $100,000 |
| Home improvement | 10 | $2.2M | $150,650 |
| Real estate: multifamily housing construction | 6 | $54M | $4.2M |
| Other purposes | 11 | $20.8M |
Of 68 individual borrowers whose income was reported, 52% had family income at or below 80% of the area median.
CDFI banks and credit unions also reported 6,077 consumer loans in Travis County totaling $15.8M (Consumer Loan Report, tract totals, so no median); they counted 6% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2018 1,970 · FY2019 2,301 · FY2020 4,372 · FY2021 5,466.
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 Travis County
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Business Investment GrowthLoan fund · Austin, TXMicroloansVerified
- Business and Community Lenders (BCL) of TexasLoan fund · Austin, TXCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Five Points Community Capital, LLCLoan fund · Austin, TXAffordable housing development loans, Small-business loansVerified
- Just Community, IncLoan fund · Austin, TXMicroloans, Small-business loansVerified
- Star of Texas Credit UnionCredit union · Austin, TXAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Home mortgages…Verified
- Texas Community CapitalLoan fund · Austin, TXSmall-dollar / emergency loans, Affordable housing development loansVerified
- The Community Business Investment Fund, LLCLoan fund · Austin, TXAffordable housing development loansVerified
- PeopleFundLoan fund · Austin, TXOfficial list only
Say they serve all of Texas
- Entre Capital, LLCLoan fund · Richardson, TXEquipment loans, Microloans, Small-business loansVerified
- FIRSTLIGHT FEDERAL CREDIT UNIONCredit union · El Paso, TXAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
- GECU Federal Credit UnionCredit union · El Paso, TXAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
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
- Texas State University SBDCSmall Business Development Center · 505 E. Huntland Dr #505, Austin, TX 78752512-420-9379
- Better Business Bureau Education FoundationWomen's Business Center · 1805 Rutherford Lane, Ste 100, Austin, TX 78754
- Austin SCORESCORE mentoring · PO Box 2322, Georgetown, TX 78627512-928-2425 · about 23 miles from the centre of Travis County
Housing counseling
- Austin Habitat for HumanityHUD-approved housing counselor · 500 W Ben White Blvd, Austin, TX 78704
- BCL of Texas (Business and Community Lenders)HUD-approved housing counselor · 1011 San Jacinto Blvd Ste 500, Austin, TX 78701512-912-9884
- Frameworks Community Development CorporationHUD-approved housing counselor · 2200 E Martin Luther King Jr Blvd, Austin, TX 78702512-385-1500
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 Travis County
Other Texas counties
Source: CDFI Atlas, cdfiatlas.com/states/tx/counties/travis-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).