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State directory · UT

CDFI lenders in Utah

45 certified CDFIs lend in Utah, going by their own websites, the CDFI Fund list and FDIC/NCUA branch records; 4 are headquartered here. Grouped below by the evidence. Sources: CDFI Fund list as of 21 Oct 2026; lender websites read 29 Oct 2026–4 Nov 2026.

Lend here
45
Headquartered here
4
Verified from lender sites
44

Who lends in Utah

45 lenders, each counted once

Each lender is listed once, under the strongest evidence we have. 4 certified CDFIs are headquartered in Utah (CDFI Fund list, 21 Oct 2026); 2 of them appear in the first groups because their website names an area here.

By loan type

Lenders that name an area in Utah or are headquartered here and describe the loan type on their own website (Lender websites, read 29 Oct 2026–4 Nov 2026). Not mentioned does not mean not offered.

County pages

Cities with a CDFI headquarters

A listing here is evidence, not an offer: confirm with the lender that it lends where you are and to borrowers like you. For your exact address, search your ZIP code in the finder.

Name a county or town in Utah as their lending area (1)

Their own website names a county or town in Utah where they lend; place names are matched to GeoNames postal data. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Lend throughout Utah (2)

Their website's service area covers all of Utah (statewide wording, or a list of whole states). Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Name Utah or a region of it in their service area (1)

Their website names Utah or a region of it, without saying statewide or naming a county or town. Check the exact area with the lender. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Headquartered in Utah, no service area stated here (2)

The CDFI Fund list (as of 21 Oct 2026) gives a headquarters address in Utah. The pages we read name no county, town, region or statewide area in Utah, or we have not read the lender's website yet; where a lender states an area elsewhere or nationwide, it is shown on its row. Not found does not mean they do not lend here.

Say they lend nationwide (39)

Their website says they lend across the United States and does not exclude Utah. Source: Lender websites, read 29 Oct 2026–4 Nov 2026.

Show the 39 lenders that say they lend nationwide

More loan types in Utah

Lender websites, read 29 Oct 2026–4 Nov 2026

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

Small Business Loans (2)

Microloans (2)

SBA Loans (1)

Commercial Real Estate Loans (1)

Equipment Loans (1)

Home Repair Loans (1)

Personal Loans (1)

Auto Loans (1)

Credit-Builder Loans (1)

Affordable Housing Development Loans (1)

CDFI Fund awards

3 of the 4 certified CDFIs headquartered in Utah have received CDFI Fund awards, $3 million in total; the largest: Utah Microenterprise Loan Fund (UMLF) ($1.8 million), Community Development Fund of Utah ($953,259), Suazo Business Center ($300,000). All CDFI Fund award recipients based in Utah, certified today or not: $9.7 million in 27 awards, 1998–2025.

Awards go to the institutions, not to borrowers; totals exclude New Markets Tax Credit allocations and bond guarantees. All states ranked. Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it.

Free help in Utah

Free or low-cost advice before you apply: 13 Small Business Development Center offices; 1 SCORE chapter; 2 Women's Business Centers; 9 HUD-approved housing counseling agencies. Each county page lists the ones nearest to it. Sources: SBA local assistance listings (6 Nov 2026) and HUD's list of approved housing counseling agencies (last updated 9 Apr 2025).

Largest nonprofit loan funds based in Utah

IRS Form 990 data
Loan fundTotal assetsLoans receivableFY ends
Rocky Mountain Community Reinvestment Corporation$409.4M$406.2MDec 2023
Utah Microenterprise Loan Fund (UMLF)$4M—Sep 2023
Community Development Fund of Utah$1.6M$1.2MJun 2023
Suazo Business Center$1.4M$188,522Sep 2023

4 certified loan funds headquartered in Utah are matched to a Form 990 or 990-EZ; median total assets $2.8M. 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.

SBA loans by CDFIs in Utah

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 32 SBA approvals (31 7(a) loans and 1 504 project) for borrowers in Utah in fiscal years 2020–2026, from 6 CDFIs. The 7(a) loans total $13.5M approved.

Most SBA approvals here: Montana Community Development Corporation (25).

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.

CDFI lending recorded in Utah (FY2022)

CDFI Fund data, released Dec 2024

3,520 loans and investments totaling $482.2M (median $99,500) were reported to the CDFI Fund for borrowers and projects in Utah in fiscal year 2022, by 30 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Purpose (CDFI Fund category)CountTotalMedian
Home purchase3,160$406M$100,000
Non-real estate business134$59.3M$125,000
Non-real estate microenterprise105$2.6M$20,000
Home improvement56$7.6M$91,014
Consumer49$164,993$100
Real estate: multifamily housing rehabilitation6$1.5M$145,657
Other purposes10$5.1M

Of 391 individual borrowers whose income was reported, 81% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 28,370 consumer loans in Utah totaling $515.5M (Consumer Loan Report, tract totals, so no median); they counted 15% of them as serving low-income borrowers.

Counties with the most recorded loans and investments

Fiscal year 2022; 9 Utah counties have at least three. Records whose tract is not in a county we can match are counted in the state total only.

CountyCountTotal
Davis County844$124.8M
Weber County843$105.1M
Salt Lake County573$75.9M
Cache County401$53.9M
Utah County282$38.4M
Washington County260$40M
Summit County24$5.7M
Iron County12$801,060
Wasatch County12$2.7M

Loans and investments reported in other years: FY2018 760 · FY2019 2,113 · FY2020 1,846 · FY2021 4,683.

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 Utah, by city

CDFI Fund list, 21 Oct 2026

4 certified CDFIs: 4 loan funds. A headquarters address is not a service area; each lender is also listed in its group above.

CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.

Source: CDFI Atlas, cdfiatlas.com/states/ut/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).