County directory · Virginia
CDFI lenders in Charlottesville City, VA
1 certified CDFI names Charlottesville City or a town in it as part of their service area on their own website. 3 more are headquartered here. 1 more say they serve all of Virginia. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026).
- Name this county
- 1
- Based here
- 3
- Serve all of VA
- 1
A lender naming Charlottesville City 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: Charlottesville.
Lenders compared for Charlottesville City
4 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Virginia Affordable Housing Loan Fund Loan fund, Charlottesville VA | headquarters here | ask | in the county |
| 2. Foodshed Capital Loan fund, Charlottesville VA | headquarters here | $5,000–$150,000 | in the county |
| 3. Community Investment Collaborative Loan fund, Charlottesville VA | headquarters here | up to $50,000 | in the county |
| 4. Piedmont Housing Alliance Loan fund, Charlottesville VA | website names Charlottesville | ask | 6 mi |
4 of these 4 lenders have received CDFI Fund awards, together $12.7M in fiscal years 1999–2024 (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
4 lenders4 head offices of 4 lenders on this page, within 30 miles of the centre of Charlottesville City. 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 (2 lenders)
- Home mortgages (1 lender)
- Microloans (1 lender)
- Agriculture / farm loans (1 lender)
- Home repair / improvement loans (1 lender)
- Affordable housing development loans (1 lender)
Small business and SBA lending in Charlottesville City
Official statisticsMedian household income in Charlottesville City is $74,824, 20% below the Virginia figure of $93,170 (ACS 2020–2024).
Businesses here took 27.5 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Virginia county (23.9), rank 52 of 133.
| Measure | Charlottesville City | Virginia |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 2,070 (1.0% of the state) | 210,842 |
| …of which under 20 employees | 83% | 84% |
| Businesses without employees (Nonemployer Statistics 2023) | 4,869 | 740,321 |
| Median household income (ACS 2020–2024) | $74,824 (20% below the state) | $93,170 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 57 (46 7(a), 11 504) | 6,754 |
| …per 1,000 businesses with employees | 27.5 (rank 52 of 133 Virginia counties) | 23.9 (median county) |
| Median SBA 7(a) loan, all lenders | $275,000 | $225,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 0 (0%) | 84 (1%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 2.75 pts (20 loans; 15% at the SBA maximum) | 2.75 pts (13% at the maximum) |
Approvals by fiscal year: FY2020 8 · FY2021 11 · FY2022 8 · FY2023 3 · FY2024 4 · FY2025 12 · FY2026 11.
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.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 20249 loans and investments totaling $2.7M (median $35,000) were reported to the CDFI Fund for borrowers and projects in Charlottesville City in fiscal year 2022, by 5 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Consumer | 4 | $5,400 | $100 |
| Other purposes | 5 | $2.7M |
CDFI banks and credit unions also reported 78 consumer loans in Charlottesville City totaling $435,114 (Consumer Loan Report, tract totals, so no median); they counted 13% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2021 50.
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 Charlottesville City or a town in it
Headquartered in Charlottesville City
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Community Investment CollaborativeLoan fund · Charlottesville, VAMicroloans, Small-business loansVerified
- Foodshed CapitalLoan fund · Charlottesville, VAAgriculture / farm loans, Small-business loansVerified
- Virginia Affordable Housing Loan FundLoan fund · Charlottesville, VAHome repair / improvement loans, Affordable housing development loansVerified
Say they serve all of Virginia
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
- Central Virginia SBDC ~ CharlottesvilleSmall Business Development Center · 300 Preston Ave, #206, Charlottesville, VA 22902434-295-8198
- Central Virginia SCORESCORE mentoring · 300 Preston Ave Suite 206, Charlottesville, VA 22903434-295-6712
Housing counseling
- Greater Charlottesville Habitat for HumanityHUD-approved housing counselor · 967 2nd St SE, Charlottesville, VA 22902043-429-3906
- Operation Hope - Charlottsville VAHUD-approved housing counselor · 401 E. Market Street, STE 15, Charlottesville, VA 22902434-218-0770
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 Charlottesville City
Other Virginia counties
Source: CDFI Atlas, cdfiatlas.com/states/va/counties/charlottesville-city/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).