City directory · Texas
CDFI lenders in Waco, TX
3 Treasury-certified CDFIs are headquartered in Waco, Texas: 1 loan fund · 2 credit unions. Loan details confirmed from their own websites for 2. Source: CDFI Fund list as of 21 Oct 2026.
- Certified
- 3
- Verified
- 2
- In Texas
- 53
Headquarters is not the same as service area: lenders elsewhere in Texas may also lend in Waco. See all 53 CDFIs in Texas.
Loan types confirmed on these lenders' websites
- Agriculture / farm loans (1 lender)
- Auto / vehicle loans (1 lender)
- Credit-builder loans (1 lender)
- Small-dollar / emergency loans (1 lender)
- Home mortgages (1 lender)
- Personal / consumer loans (1 lender)
- Equipment loans (1 lender)
- Microloans (1 lender)
- First Central Credit UnionCredit union · Waco, TXAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans…Verified
- McLennan Community Investment FundLoan fund · Waco, TXEquipment loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Heart O' Texas Federal Credit UnionCredit union · Waco, TXOfficial list only
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
- Neighborhood Housing Services of Waco, Inc.HUD-approved housing counselor · 922 Franklin Ave, Waco, TX 76701254-752-1647
- Waco Community Development CorporationHUD-approved housing counselor · 1624 Colcord Ave, Waco, TX 76707254-235-7358
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.
Other Texas cities with several CDFIs
Source: CDFI Atlas, cdfiatlas.com/states/tx/waco/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).