County directory · Washington

CDFI lenders in King County, WA

1 certified CDFI names King County or a town in it as part of their service area on their own website. 9 more are headquartered here. 4 more have a bank or credit-union branch here. 6 more say they serve all of Washington. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county: 1
Based here: 9
Branch here: 4
Serve all of WA: 6

A lender naming King 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: Auburn, Baring, Bellevue, Black Diamond, Bothell, Burton, Carnation, Duvall, Enumclaw, Fall City, Federal Way, Hobart….

Lenders compared for King County

23 with local records

Lender	Local records	Loan sizes	Head office
1. Verity Credit Union Credit union, Seattle WA	headquarters here; 6 offices here; 88 home loans here, 2025	ask	14 mi
2. Harborstone Credit Union Credit union, Lakewood WA	6 offices here; 34 SBA loans here, FY2020–FY2026; 46 home loans here, 2025	ask	26 mi
3. Seattle Metropolitan Credit Union Credit union, Seattle WA	headquarters here; 6 offices here; 22 home loans here, 2025	up to $250,000	6 mi
4. Beneficial State Bank Bank or thrift, Oakland CA	1 office here; 7 SBA loans here, FY2020–FY2026	ask	673 mi
5. Express Credit Union Credit union, Seattle WA	headquarters here; 1 office here	ask	6 mi
6. New Roots Fund Loan fund, Seattle WA	website names Seattle; headquarters here	$200–$15,000	17 mi
7. Champions Funding, LLC Loan fund, Gilbert AZ	49 home loans here, 2025	up to $3M	1,128 mi
8. Change Lending, LLC Loan fund, Anaheim CA	30 home loans here, 2025	up to $3.5M	974 mi
9. Kitsap Credit Union Credit union, Bremerton WA	20 home loans here, 2025	ask	20 mi
10. GTE Federal Credit Union Credit union, Tampa FL	19 home loans here, 2025	ask	2,519 mi
11. O BEE credit union Credit union, Lacey WA	5 SBA loans here, FY2020–FY2026	ask	45 mi
12. Rivermark Community Credit Union Credit union, Oregon City OR	5 home loans here, 2025	$500–$50,000	154 mi
13. Mission Valley Bank Bank or thrift, Sun Valley CA	4 SBA loans here, FY2020–FY2026	ask	943 mi
14. MortgageOne, Inc Loan fund, Carlsbad CA	4 home loans here, 2025	$25,000–$2M	1,027 mi
15. Consolidated Federal Credit Union Credit union, Portland OR	3 home loans here, 2025	ask	141 mi
16. Ironworkers USA Federal Credit Union Credit union, Portland OR	1 office here	ask	140 mi
17. Beneficial State Bancorp, Inc. Bank holding company, Oakland CA	1 office here	ask	673 mi
18. HomeSight Loan fund, Seattle WA	headquarters here	ask	3 mi
19. Rainier Valley Community Development Fund Loan fund, Seattle WA	headquarters here	ask	4 mi
20. Denkyem SPC Loan fund, Renton WA	headquarters here	ask	6 mi
21. Business Impact NW Loan fund, Tukwila WA	headquarters here	ask	6 mi
22. Washington Community Reinvestment Association Loan fund, Seattle WA	headquarters here	ask	7 mi
23. Northwest Access Fund Loan fund, Shoreline WA	headquarters here	ask	14 mi

20 of these 23 lenders have received CDFI Fund awards, together $124.8M in fiscal years 2000–2024 (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

16 lenders

13 head offices and 53 branches or offices of 16 lenders on this page, within 55 miles of the centre of King County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Personal / consumer loans (3 lenders)
Home mortgages (3 lenders)
Commercial real estate loans (2 lenders)
Nonprofit / community facility loans (2 lenders)
Small-business loans (2 lenders)
Auto / vehicle loans (2 lenders)
Small-dollar / emergency loans (2 lenders)
Microloans (1 lender)

Banks and credit unions with a branch in this county

7 certified CDFIs have at least one office in King 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 289 originated home loans for properties in King County in 2025 under the Home Mortgage Disclosure Act: 0.7% of the 43,305 home loans that all HMDA lenders reported here.

Plus 3 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 King County

Official statistics

Median household income in King County is $124,746, 27% above the Washington figure of $98,141 (ACS 2020–2024).

Businesses here took 48.7 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: about as many as the median Washington county (50.7), rank 22 of 39.

Measure	King County	Washington
Businesses with paid employees (CBP 2023)	70,376 (34.8% of the state)	202,177
…of which under 20 employees	86%	87%
Businesses without employees (Nonemployer Statistics 2023)	193,904	545,903
Median household income (ACS 2020–2024)	$124,746 (27% above the state)	$98,141
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	3,426 (3,224 7(a), 202 504)	10,783
…per 1,000 businesses with employees	48.7 (rank 22 of 39 Washington counties)	50.7 (median county)
Median SBA 7(a) loan, all lenders	$253,250	$210,000
…with a certified CDFI as lender, CDC or third-party lender	52 (2%)	247 (2%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (1,463 loans; 6% at the SBA maximum)	2.75 pts (6% at the maximum)

Approvals by fiscal year: FY2020 408 · FY2021 405 · FY2022 393 · FY2023 462 · FY2024 566 · FY2025 656 · FY2026 536.

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 52 SBA approvals (49 7(a) loans and 3 504 projects) for borrowers in King County in fiscal years 2020–2026, from 6 CDFIs. The 7(a) loans total $55.2M approved.

CDFIs with 3 or more: Harborstone Credit Union (34), Beneficial State Bank (7), O BEE credit union (5), Mission Valley Bank (4). 2 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

1,196 loans and investments totaling $370M (median $85,000) were reported to the CDFI Fund for borrowers and projects in King County in fiscal year 2022, by 47 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home improvement	393	$60.9M	$101,000
Home purchase	279	$80.1M	$195,400
Non-real estate business	278	$91.3M	$95,000
Non-real estate microenterprise	145	$1.8M	$10,000
Consumer	59	$420,101	$1,678
Real estate: multifamily housing rehabilitation	13	$36.4M	$1.9M
Other purposes	29	$99.1M

Of 588 individual borrowers whose income was reported, 61% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 13,485 consumer loans in King County totaling $173.4M (Consumer Loan Report, tract totals, so no median); they counted 38% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 524 · FY2019 431 · FY2020 803 · FY2021 2,360.

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 King County or a town in it

New Roots FundLoan fund · Seattle, WAMicroloansNames Seattle · Refugees and asylees in the Seattle areaVerified

Headquartered in King County

The official list gives a headquarters address here. Check each lender's page for where it lends.

Say they serve all of Washington

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.