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Community lenders · North Carolina

Data from November 2026

CDFIs and community banks in North Carolina

25 institutions based in North Carolina hold CDFI certification from the Treasury Department’s CDFI Fund.

See the listWhat they are and how to use this list
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Certified CDFIs
25
certified by the Treasury’s CDFI Fund
Credit unions
10
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.

  1. 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.

  2. 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.

  3. 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 North Carolina

CDFI Fund list as of September 17, 2026. Many serve several states; here they appear by the state of their main office.

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)

Hispanic-owned banks

Hispanic American owned banks in North Carolina

The FDIC list has no Hispanic American owned banks based in North Carolina. Nationwide it has 14.

Source: Hispanic American owned minority depository institutions (FDIC) As of November 6, 2026 Hispanic American owned minority depository institutions (FDIC)

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.