Community lenders · Kentucky
Data from November 2026
CDFIs and community banks in Kentucky
12 institutions based in Kentucky hold CDFI certification from the Treasury Department’s CDFI Fund.
Key numbers in Kentucky
- Certified CDFIs
- 12
- certified by the Treasury’s CDFI Fund
- Credit unions
- 2
- credit unions among the CDFIs
- Hispanic-owned banks
- 0
- Hispanic American owned, per the FDIC
What they are
What they are and how to use this list
These are the definitions of the agencies that certify them: the Treasury’s CDFI Fund and the FDIC. Being on the list is not our recommendation.
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What a CDFI is
It is a certification the Treasury’s CDFI Fund gives to specialized organizations that provide financial services in low-income communities and to people who lack access to financing. They can be banks, credit unions or loan funds.
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What a minority depository institution (MDI) is
The FDIC uses the term for an insured bank where minority individuals own most of the voting stock, or whose board is mostly minority and serves a mostly minority community. Here you see the ones the FDIC lists as Hispanic American owned.
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Before you choose
This list is not a recommendation. Each institution decides whom it serves, what it offers and on what terms. Ask about costs and compare before you sign.
According to CDFI certification (CDFI Fund)Minority depository institutions (FDIC)
The CDFI Fund’s list
CDFIs based in Kentucky
CDFI Fund list as of September 17, 2026. Many serve several states; here they appear by the state of their main office.
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Catalytic Development Funding Corp. of Northern Kentucky
Loan fund · Covington
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Community Ventures Corporation, Inc.
Loan fund · Lexington
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Federation of Appalachian Housing Enterprises, Inc.
Loan fund · Berea
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Frontier Housing, Inc.
Loan fund · Morehead
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Kentucky Habitat for Humanity
Loan fund · Madisonville
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Kentucky Highlands Investment Corporation
Loan fund · London
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Louisville Housing Opportunities and Micro-Enterprise Community Development Loan Fund, Inc., The
Loan fund · Louisville
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Mountain Association for Community Economic Development, Inc.
Loan fund · Berea
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Park Community Credit Union
Credit union · Louisville
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Redbud Financial Alternatives, Inc.
Loan fund · Hazard
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Service One Credit Union, Inc.
Credit union · Bowling Green
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SOUTHEAST KENTUCKY ECONOMIC DEVELOPMENT CORPORATION INC
Loan fund · Somerset
None match your search.
We do not recommend any institution. Check each one’s products, requirements and costs. Source: Certified CDFI list (CDFI Fund, Treasury) As of September 17, 2026 Certified CDFI list (CDFI Fund, Treasury) (external site)
Hispanic-owned banks
Hispanic American owned banks in Kentucky
The FDIC list has no Hispanic American owned banks based in Kentucky. Nationwide it has 14.
Source: Hispanic American owned minority depository institutions (FDIC) As of November 6, 2026 Hispanic American owned minority depository institutions (FDIC) (external site)
Frequently asked questions
Can a CDFI lend to me if I have little credit or use an ITIN?
It depends on each institution. CDFIs are certified for serving communities and people with little access to financing, but each sets its own rules. This list does not say what each one offers: ask them directly.
Why is an institution I know not listed?
The CDFI Fund list gives the state of the main office. Many institutions serve several states, so you can also search the CDFI Fund’s full list.
How current is this data?
The CDFI Fund list we use is from September 17, 2026, and the FDIC list from November 6, 2026. Both change when an institution gains or loses its status.