create and sustain jobs, and to stabilize communities.
Overview
CDFIs finance community businesses, including small businesses, microenterprises, nonprofit organizations, commercial real estate, and affordable housing.
To find an OFN member CDFI, use the search filters below. You can also visit our Member Profile Directory to learn about their important work.
If you are an OFN member and need to update your information on the CDFI Locator*, please email Dominic Swain at dswain@ofn.org.
*The CDFI Locator member information is updated regularly. While OFN works hard to keep this database up-to-date, we strongly encourage you to visit the websites of CDFIs that fit your criteria for a deeper understanding of the products they offer and the communities they serve.
NOTE: the list of members shown when a specific "Area Served" is selected reflects members who lend in that selected region regardless of the location of their headquarters mentioned.
The Housing Development Fund, Inc. (HDF) was established in 1989 as a nonprofit organization to facilitate the development of affordable rental and homeownership opportunities. HDF accomplishes this mission through assisting households in becoming and remaining owners of affordable homes, and through financing affordable rental opportunities for low- and moderate-income households. With help from HDF, first time homebuyers become homeowners through free counseling and unique lending products, developers build affordable housing units with competitive financing, and homeowners are encouraged and supported through innovative programs.
Housing Partnership Network (HPN) is an award-winning business collaborative of 100 of the nation’s leading affordable housing and community development nonprofits. HPN focuses on three key strategies to make members more efficient, more sustainable, and better positioned to achieve scaled social impact: leadership exchange, policy advocacy, and business innovation. Collectively, HPN members help millions of people gain access to affordable homes and thriving communities.
CDFI OFN Member Since:
2005
Housing Trust Silicon Valley
San Jose,CAContact: Julie MahowaldPhone: 408.703.3837
75 East Santa Clara Street, Suite 1350 San Jose, CA 95113
At Housing Trust Silicon Valley, we believe safe, stable, affordable housing opens the door to better living for everyone. Through our innovative programs and deep partnerships, we rally people and resources to create affordable and sustainable housing opportunities for all our neighbors, from those experiencing homelessness to renters to first-time home buyers. The Housing Trust makes loans and grants to increase the supply of affordable housing, assist first-time homebuyers, prevent homelessness, and stabilize neighborhoods.
ICA, formerly ICA Fund Good Jobs, is an Oakland-based nonprofit and CDFI that is creating an economy that works for all. Through our small business accelerator and innovative debt and equity investments, ICA seeks to close the racial and gender wealth gaps. In support of our mission, we accelerate and invest in high-impact San Francisco Bay Area businesses—a majority of which are run by women and people of color—that are committed to creating good jobs and long-term wealth for their employees. ICA also helps underestimated entrepreneurs strengthen the fundamentals of their businesses, develop a robust growth plan, and prepare to secure additional investments.
IFF is a mission-driven lender, real estate consultant, and developer that helps Midwestern communities thrive by creating opportunities for low-income populations and individuals with disabilities. For more than 30 years, IFF has been a trusted partner to nonprofits in every sector, including child care, education, health care, healthy food access, and housing—helping them finance, plan, and build facilities critical to their mission and success. IFF also leads comprehensive community development initiatives in low-income communities and conducts research studies to guide the allocation of resources by government and foundations. IFF’s region includes Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Ohio, and Wisconsin, as well as adjacent areas in Kentucky.
Impact Capital’s mission is to provide access to capital to low- and moderate-income communities in the Pacific Northwest, enabling communities to provide access for all community members to equal opportunities in housing, education, health care, schools, transportation, parks, healthy food, and employment. We believe that communities that are vibrant and successful reflect and honor the diversity of their citizens. At Impact Capital, we believe that achieving that goal requires building communities on a foundation of equity, inclusiveness, and cooperation, and we strive to promote that foundation in everything we do.
CDFI OFN Member Since:
2008
Impact Development Fund
Loveland,COContact: Sean DohertyPhone: 970.494.2021
Impact Development Fund creates economic opportunity by delivering flexible capital to strengthen underserved Colorado communities. Over the last 20+ years, Impact Development Fund has provided economic development financing and technical assistance across the housing continuum to create a lasting legacy of affordable housing throughout Colorado.
Impact Loan Fund was founded in 1999 to support economic activity in the Greater Kensington section of Lower Northeast Philadelphia. The work of the Loan Fund is intended to support the community development efforts of Impact Services and their work to create economic opportunity for residents in the service area. We do that through business lending and lending to small real estate entrepreneurs who are revitalizing blighted properties.
Impact Seven, Inc. is a certified community development financial institution (CDFI) that manages several Small Business Administration (SBA) and U.S. Department of Agriculture (USDA) loan programs, provides venture capital, and is part-owner of a community development bank started in conjunction with a partner community development corporation (CDC).
CDFI OFN Member Since:
1997
IMPACTO Fund, Inc.
Kansas City,MOContact: Pedro ZamoraPhone: 816.221.3442
Certified by the U.S. Department of the Treasury as a community development financial institution (CDFI), Impacto Fund, Inc. was established in 2011 to improve loans and services to micro-enterprise businesses. Through the provision of these economic community development activities, the Fund provides resources to clients who would not be served otherwise by traditional institutions. We also seek to help these businesses move from non-traditional financing sources to stability in their businesses where they will qualify for lending activities through traditional sources.
CDFI OFN Member Since:
2019
Inclusive Action for the City
Los Angeles,CAContact: Rudy EspinozaPhone: 323.604.9765
2900 East Cesar E. Chavez Avenue Los Angeles, CA 90033
Inclusive Action for the City is a community development organization whose mission is to build strong local economies that uplift low-income urban communities. We seek to change the systems that created disparities in our cities and build community wealth by pairing research-centered advocacy with transformative economic development initiatives.
Indian Land Capital Company
Little Canada,MNContact: Rjay BrunkowPhone: 651.444.5759
The Indian Land Capital Company (ILCC) was created to help Native nations reclaim lost lands through legal transfers and purchases. As a Native-owned and operated company, ILCC understands the unique needs of Native nations and supports tribal sovereignty. We are particularly proud to be the only full faith and credit lender in Indian country. The company offers customized, flexible loan packages that suit the specific needs of the tribe, an approach that has enabled ILCC to loan millions of dollars to Native nations since its inception in 2005.
Indianapolis Neighborhood Housing Partnership, Inc.
The mission of Indianapolis Neighborhood Housing Partnership (INHP) is to increase affordable and sustainable housing opportunities for individuals and families, and serve as a catalyst for the development and revitalization of neighborhoods. We empower families who have low or moderate incomes through education and one-on-one homeownership advising so they can overcome barriers to homeownership and access mortgage financing. At the same time, INHP also works to increase the overall supply of affordable housing. We strengthen the community development system in Indianapolis by providing access to capital, leveraging technical resources and capacity, grantmaking, commissioning research, and partnering with community-based housing development organizations.
CDFI OFN Member Since:
2010
Initiative Foundation
Little Falls,MNContact: Matt VarilekPhone: 320.632.9255
Established in 1986, the Initiative Foundation is dedicated to improving the quality of life for residents, families, and communities in central Minnesota through comprehensive and integrated community development. The Initiative Foundation provides gap financing as well as grants to local businesses. By promoting local ownership, diversifying the economic base, and creating quality jobs that pay living wages and benefits, the Initiative Foundation helps strengthen central Minnesota communities.
CDFI OFN Member Since:
2001
Institute Capital
Durham,NCContact: Roberta McCulloughPhone: 919.956.2320
Institute Capital provides debt and investment capital to affordable housing developers, community-based development organizations (CBDOs) and small businesses. Our goal is to revitalize and transform diverse communities through affordable housing, entrepreneurship, HBCU collaborations and community development.
As a certified Community Development Financial Institution (CDFI), Institute Capital seeks to provide high-impact lending to borrowers who cannot typically get capital from mainstream financial institutions, and who are working to create thriving economies in communities that represent the most diverse populations.
The Institute for Community Economics (ICE), an affiliate loan fund of the National Housing Trust, provides flexible financing focused on long-term permanent affordability and shared equity models of affordable housing. The projects we finance benefit low- and moderate-income renters, homeowners, tenant associations, and cooperatives across the country.
Invest Detroit
Detroit,MIContact: Keona CowanPhone: 313.259.6368
600 Renaissance Center, Suite 1710 Detroit, MI 48243
Invest Detroit is a mission-driven lender, investor, and partner that supports business and real estate projects that will ignite economic growth in Detroit and the region. Our goal is a thriving city that works for all Detroiters with an improved quality of life–inclusive housing, resourced and walkable neighborhoods, and equal opportunities for jobs and business growth.
Invest PGH is a nonprofit and Community Development Financial Institution
(CDFI) organization that aids small business and affordable housing initiatives throughout the City of Pittsburgh.
Created in 2020, Invest PGH seeks attract investment to Pittsburgh in order to provide capital and technical assistance for small businesses. Invest PGH’s Micro-Enterprise Loan programs provide funds for micro-borrowers to start up or expand their businesses throughout Pittsburgh. It also serves as a clearinghouse for resources and tools for these small businesses.
Invest PGH also aims to preserve affordable housing units in the Pittsburgh region and create affordable homeownership opportunities through lending support to the community and socially-driven developers
IRC's Center for Economic Opportunity
San Diego,CA
5348 University Avenue, Suite 115 San Diego, CA 92105
The mission of International Rescue Committee’s (IRC) Center for Economic Opportunity (CEO) is to promote upward economic mobility for low-income refugee and immigrant families in communities across the United States by offering targeted loan products designed to fortify their financial resilience and fill gaps in available financial services.
Israel Methcomm Federal Credit Union (IMFCU), a church-based, predominantly African American credit union, was chartered on June 13, 1963. We went from 10 charter members and an initial deposit of $10,000 to 220 members and $1,349,985 in assets. The original field of membership was members of Israel Methodist Community Church and their families and now is a multiple common bond, primarily faith-based, field of membership. IMFCU has become a certified community development financial institution (CDFI), is NCUA low-income designated, and is a community development credit union through Inclusiv. IMFCU has four CUNA financial certified counselors, with two more in training. We have added short-term loans to our portfolio as an alternative to predatory lenders. IMFCU has gift cards and will soon have credit cards and checking accounts (share drafts).
JARI Growth Fund was founded in May 2016 and received CDFI certification in 2017. JGF provides loans to a seven county region in south-central Pennsylvania. JGF focuses on providing its borrowers with intensive technical assistance that is customized to each individual borrower. JGF serves a niche of small businesses and start up companies that are unable to receive conventional financing.
JUST invests in entrepreneurs who have been excluded from the traditional financial system to create more resilient communities, starting in Texas. Our higher purpose is to help people live with less stress and more joy. JUST has reimagined traditional microcredit from the developing world to be more human-centered in an effort to be more transformational. With loans ranging from $750-$10,000 and based on tenure in the program, JUST never checks a credit score or demands collateral. All loans are based on trust.
CDFI OFN Member Since:
2020
justine PETERSEN
St. Louis,MOContact: Sheri Flanigan-VazquezPhone: 314.553.2411
The Justine Petersen Housing and Reinvestment Corporation (JPHRC) was founded in 1997 to honor the work of the late Justine Petersen, a leader in developing special mortgages for first-time homebuyers in St. Louis, MO. The organization's goal is to create enduring change in the community by helping low- and moderate-income families and individuals to buy homes and build long-term financial strength. To that end, JPHRC performs a wide range of services, including offering small business loans, originating and brokering home loans, and providing financial education, saving programs, and consumer loans.
CDFI OFN Member Since:
2006
Kentucky Habitat for Humanity
Louisville,KYContact: Mary ShearerPhone: 502.608.7041
Kentucky Habitat for Humanity, Inc. works in partnership with 35 nonprofit affordable housing developers in 51 Kentucky counties to develop new housing and rehab and repair older homes for Kentuckians who earn 60 percent and below the area median income (AMI). Since 1993, our building partners have served over 16,000 Kentuckians, developed 4,000 affordable housing units, and invested close to $200 million in affordable housing. Kentucky Habitat for Humanity, Inc. is part of a global network of affordable housing developers whose mission is to bring people together to build homes, communities, and hope.
CDFI OFN Member Since:
2012
Kentucky Highlands Investment Corporation
London,KYContact: Brenda McDanielPhone: 606.864.5175
Founded in 1968, Kentucky Highlands Investment Corporation (KHIC) provides and retains employment opportunities in Southeastern Kentucky through sound financial investments and the provision of managerial assistance. Our purpose is to coordinate, devise, implement, and promote community, economic, and social development efforts within our 22 county footprint.
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