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Dear Reader,
The United States faces many societal challenges as a result of the persistent wealth gap that so often separates the haves and have-nots along racial lines.

CDFIs are a Vital Financial
There’s a saying that the worst of times reveal one’s true colors. This goes for individuals, but it’s also true of governments and policymakers.

CDFIs Put the ‘S’ in ESG
Much of the conversation and action in the ESG space, to date, has focused on the “E” and “G.” That may be because for many businesses environmental and governance policies have a more straightforward application,...

Q&A SOCIAL & ENVIRONMENTAL, GOVERNANCE (ESG) PANEL
ESG criteria are a set of standards for a company’s operations that socially conscious investors use to screen potential investments.

CDFIs with ESG Credentials
Companies with environmental, social, and governance (ESG) credentials have been high on the list of merger targets for U.S. special purpose acquisition companies (SPACs). These are a few SPACs that focus on Social Infrastructure and Impact Investing..

Expanding Opportunity in Low-and Moderate-Income Communities
In many communities, CDFIs are the sole business offering safe, affordable financial services and products.

The Importance of Homeownership Equality
“In terms of lower-income households, non-housing wealth accumulation is at best minor and, for minority families, often negative.” As the study makes clear,...

The Unequal Costs of Black Homeownership
When access to homeownership is not evenly distributed between white and Black communities, the gap persists and Black Americans continue playing a game of catch-up.

Modern-Day Segregation
Homeownership is considered a key step to building intergenerational wealth. But with a homeownership rate of just 46.4% compared to 75.8% for white families, most Black Americans are held back from achieving that American dream.

Q&A EXPLORING CDFI’S ROLE IN CLOSING THE RACIAL WEALTH GAP
To take a closer look at the CDFI landscape and what is needed to get capital into underbanked communities,...

Eliminating the Racial Wealth Gap
For many, 2020 was a wakeup call, but for millions of Black Americans, structural barriers to prosperity have been a living reality for centuries.

Q&A EXPLORING CDFI’S
To take a closer look at the CDFI landscape and what is needed to move the critical concept forward, we have turned to some of the region’s leading experts – in community finance,...

CDFI SURVEY
L.A. Times B2B Publishing surveyed over 500 Community Development Financial Institutions (CDFI) and received survey responses from 82 CDFIs located across the country.

The Change Company CDFI, LLC
States / Region of Operations Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Montana,...

Frankenmuth Credit Union
States / Region of Operations FCU is a state chartered credit union that covers all of Michigan including CDFI census tracts in Michigan..

Beneficial State Bank
Executive Director or CEO Randell Leach Address 1438 Webster Street, Suite 300, Oakland, CA 94612 Website beneficialstatebank.com

Community Reinvestment Fund, USA
Executive Director or CEO Frank Altman Address 801 Nicollet Mall, Suite 1700W, Minneapolis, MN 55402 Website crfusa.com

Legacy Bank & Trust Company
Executive Director or CEO John Everett Address 3250 E Sunshine Street, Springfield, MO 65804 Website legacybankandtrust.com

City First Bank, NA
Executive Director or CEO Brian Argrett Address 5055 Wilshire Blvd, Los Angeles, CA 90036 Website cityfirstbank.com

Low Income Investment Fund
Executive Director or CEO Daniel Nissenbaum Address 49 Stevenson Street #300 San Francisco, CA 94105 Website liifund.org

Reinvestment Fund
Executive Director or CEO Donald Hinkle-Brown Address 1700 Market Street, 19th Floor, Philadelphia, PA 19103 Website reinvestment.com

DreamSpring
Executive Director or CEO Anne Haines Address 2000 Zearing Avenue NW, Albuquerque, NM 87104 Website dreamspring.org

Homewise, Inc.
Executive Director or CEO Mike Loftin Address 1301 Siler Rd, Bldg D, Santa Fe, NM 87507 Website homewise.org

Capital Impact Partners
Executive Director or CEO Ellis Carr Address 1400 Crystal Drive, Suite 500, Arlington, VA 22202 Website capitalimpact.org

Grow America Fund
Executive Director or CEO John Palyo Address 1111 Superior Avenue East, Suite 1114 Cleveland, OH 44114 Website ndconline.org

Clearinghouse CDFI
Executive Director or CEO Douglas Bystry Address 23861 El Toro Rd #401, Lake Forest, CA 92360 Website clearinghouseCDFI.com

Century Housing Corporation
Executive Director or CEO Ronald Griffith Address 1000 Corporate Pointe, Culver City, CA 90230 Website century.org

Accion Opportunity Fund
Executive Director or CEO Luz Urrutia Address 111 W. St, John Street, #800, San Jose, CA 95113 Website aofund.org

Community Bank of the Bay
Executive Director or CEO William Keller Address 180 Grand Avenue, Suite 1550, Oakland, CA 94612 Website bankcbb.com

Self-Help Credit Union and Self-Help Federal Credit Union
Executive Director or CEO Martin Eakes Address 301 W Main Street, Durham, NC 27701 Website self-helpfcu.org

Housing Trust Silicon Valley
Executive Director or CEO Noni Ramos Address 75 East Santa Clara Street, Suite 1350, San Jose, CA 95113 Website housingtrustsv.org

Raza Development Fund
Executive Director or CEO Tommy Espinoza Address 410 E Southern Ave., Phoenix, AZ 85040 Website razafund.org/phx

Massachusetts Housing Investment Corporation
Executive Director or CEO Joseph Flatley Address 21 Custom House Street, 8th Floor, Boston, MA 02110 Website mhic.com

BlueHub Capital, Inc.
Executive Director or CEO Elyse Cherry Address 10 Malcolm X Blvd, Boston, MA 02119 Website bluehubcapital.org

Camino Financial
Executive Director or CEO Roxane Herrera Address 309 E 8th St #601, Los Angeles, CA 90014 Website caminofinancial.com

Enterprise Community Loan Fund
Executive Director or CEO Lori Chatman Address 11000 Broken Land Pkwy, Ste 700, Columbia, MD 21044 Website enterprisecommunity.org

Native American Bank N.A.
Executive Director or CEO Tom Ogaard Address 201 N. Broadway Denver, CO 80203 Website nativeamericanbank.com

Southwest Louisiana Credit Union
Executive Director or CEO Chad Miller Address 2255 E McNeese Street, Lake Charles, LA 70607 Website swlacu.com

Genesis LA Economic Growth Corporation
Executive Director or CEO Tom De Simone Address 801 South Grand Avenue, Suite 775, Los Angeles, CA 90017 Website genesisla.org

People Trust
Executive Director or CEO Arlo Washington Address 5300 W. 65th Street Little Rock, AR 72209 Website peopletrustloans.org

Nonprofit Finance Fund
Executive Director or CEO Antony Bugg-Levine Address 5 Hanover Square, 9th Floor New York, NY 10004 Website nff.org

NDC Community Impact Loan Fund
Executive Director or CEO Ann Finnegan Address 1111 Superior Avenue East, Suite114 Cleveland, OH 44114 Website ndconline.org

Mercy Community Capital
Executive Director or CEO Jason Battista Address 1600 Broadway, Suite 2000 Denver, CO 80202 Website mercyhousing.org

Community Vision Capital & Consulting
Executive Director or CEO Catherine Howard Address 870 Market Street, Suite 677, San Francisco, CA 94102 Website communityvisionca.org

Cooperative Fund of New England
Executive Director or CEO Micha Josephy Address PO Box 970 Watertown, MA 02471 Website cooperativefund.org

Primary Care Development Corporation
Executive Director or CEO Louise Cohen Address 45 Broadway, Suite 530 New York, NY 10006 Website pcdc.org

ROC USA Capital
Executive Director or CEO Paul Bradley Address 6 Loudon Road, Suite 501 Concord, NH 03301 Website rocusa.org

Partners For the Common Good
Executive Director or CEO Jeannine Jacokes Address 1444 I Street, NW, Suite 201 Washington, DC 20005 Website pcgloanfund.org

Leviticus Fund
Executive Director or CEO Greg Maher Address 220 White Plains Road, Suite 125, First Floor Tarrytown, NY 10591 Website leviticusfund.org

Citizen Potawatomi Community Development Corporation
Executive Director or CEO Cindy Logsdon Address 1545 Gordon Cooper Dr. Shawnee, OK 74801 Website www.cpcdc.org

Access Plus Capital
Executive Director or CEO Tate Hill Address 1025 Fulton St. Second Floor Fresno, CA 93721 Website accesscapitalplus.com

California FarmLink
Executive Director or CEO Reggie Knox Address 335 Spreckels Drive, Suite F Aptos, CA 95003 Website californiafarmlink.org

PeopleFund
Executive Director or CEO Gustavo Lasala Address 2921 E 17th St, Bldg D Suite 1 Austin, TX 78702 Website peoplefund.org

Pacific Coast Regional Small Business Development Corporation
Executive Director or CEO Mark Robertson, Sr. Address 3255 Wilshire Blvd. Suite 1501 Los Angeles, CA 90010 Website pcrcorp.org

Bankers Small Business CDC of California
Executive Director or CEO Robert Villarreal Address 301 N. Lake Ave, 350 Pasadena, CA 91101 Website cdcloans.com

Accompany Capital Inc.
Executive Director or CEO Yanki Tshering Address 120 Broadway Ste 230 New York, NY 10271 Website accompanycapital.org

NewWest Community Capital
Executive Director or CEO Dutch Haarsma Address 950 W. Bannock St., Suite 1100 Boise, ID 83702 Website newwestcapital.org

Pacific Community Ventures
Executive Director or CEO Bulbul Gupta Address 1700 Broadway, Suite 300 Oakland, CA 94612 Website pacificcommunityventures.org

Latino Economic Development Center
Executive Director or CEO Henry Jiménez Address 804 Margaret Street Saint Paul, MN 55106 Website ledcmetro.org

The Housing Fund, Inc.
Executive Director or CEO Marshall Crawford Address 50 Vantage Way, Suite 201 Nashville, TN 37228 Website thehousingfund.org

Housing Trust Fund Ventura County
Executive Director or CEO Linda Braunschweiger Address 360 Mobil Ave, Suite 213 A Camarillo, CA 93010 Website housingtrustfundvc.org

HomesFund
Executive Director or CEO Lisa Bloomquist Address 124 E 9th Street Durango, CO 81301 Website homesfund.org

The Genesis Fund
Executive Director or CEO Liza Fleming-Ives Address 22 Lincoln St Brunswick, ME 04011 Website genesisfund.org

Working Solutions CDFI
Executive Director or CEO Sara Razavi Address 930 Montgomery Street, Suite 400 San Francisco, CA 94133 Website workingsolutions.org

Main Street Launch
Executive Director or CEO Jacob Singer Address 2101 Webster Street, Suite 1200 Oakland, CA 94612 Website mainstreetlaunch.org

Lakota Funds
Executive Director or CEO Tawney Brunsch Address PO BOX 340, Kyle, SD 57752 Website lakotafunds.org

Baltimore Community Lending
Executive Director or CEO Watchen Bruce Address 875 Hollins Street, Suite 301, Baltimore, MD 21201 Website bclending.org

Akiptan, Inc
Executive Director or CEO Skya Ducheneaux Address 412 S Main Street, Suite E, Eagle Butte, SD 57625 Website akiptan.org

Mission Community Loan Fund LLC dba Fondo Adelante
Executive Director or CEO Elizabeth Dwyer Address 2301 Mission Street, Suite 301 San Francisco, CA 94110 Website medasf.org Email edwyer@medasf.org

Latino Economic Development Center (LEDC)
Executive Director or CEO Marjorie Nemes-Galarza Address 1401 Columbia Road NW, Unit C-1 Washington, DC 20009 Website ledcmetro.org

North Philadelphia Financial
Executive Director or CEO Reco Owens Address 1300 W. Lehigh Avenue, Suite100 Philadelphia, PA 19132 Website npfp.org

Pennsylvania AssistiveTechnology Foundation
Executive Director or CEO Susan Tachau Address 1004 West 9th Avenue, King of Prussia, PA 19406 Website patf.us

Opportunities Credit Union
Executive Director or CEO Kate Laud Address 25 Winooski Falls Way, Suite 230 Winooski, VT 05404 Website oppsvt.org

Feed the Hunger Fund
Executive Director or CEO Patricia Chang Address 100 Montgomery Street, The Presidio San Francisco, CA 94129 Website feed-hunger.com

National Asian American Coalition
Executive Director or CEO Faith Bautista Address 318 Westlake Center, Suite 270, Daly City, CA 94015 Website naac.org

Inclusive Action for the City
Executive Director or CEO Rudy Espinoza Address 2900 E. Cesar E. Chavez Avenue Los Angeles, CA 90033 Website inclusiveaction.org

Redbud Financial Alternatives, Inc.
Executive Director or CEO Scott McReynolds Address 2871 N Main Street Hazard, KY 41701 Website edbudfinancialalternatives.org

TBL Fund
Executive Director or CEO Ravi Malhotra Address 7400 W 14th Ave Lakewood, CO 80214 Website icastusa.org/triple-bottom-linefoundation

Foodshed Capital
Executive Director or CEO Michael Reilly Address 305 W. Broad Street, Suite #316 Richmond, VA 23220 Website foodcap.org

San Carlos Apache Relending Enterprise
Executive Director or CEO Henrietta Talkalai Address PO Box 790, Peridot, AZ 85542 Website facebook.com/San-Carlos-Relending-Program-162403197172731

Arbuckle Federal Credit Union
Executive Director or CEO Sharilee Strickland Address 317 S Broadway Ave Ada, OK 74820 Website arbucklefcu.com

Capital Good Fund
Executive Director or CEO Andy Posner Address 333 Smith St Providence, RI 02708 Website capitalgoodfund.org

Rocky Mountain MicroFinance Institute
Executive Director or CEO Rob Smith Address 1209 W. 10th Avenue Denver, CO 80204 Website rmmfi.org

Community First Credit Union
Executive Director or CEO Scott Johnson Address 1105 N Dutton Ave, Ste A, Santa Rosa, CA 95401 Website comfirstcu.org

California Capital
Address 1792 Tribute Road, Suite 270, Sacramento, CA 95815.

CLIMB Fund
Executive Director or CEO Cynthia Rourk Address 2 Race Street Charleston, SC 29403 Website climbfund.org

Inclusiv
Executive Director or CEO Cathie Mahon Address 39 Broadway New York, NY 10006 Website inclusiv.org

Indian Land Capital Company
Executive Director or CEO Rjay Brunkow Address 151 County Road B2 East Little Canada, MN 55117 Website ilcc.net

Long Island Small Business Assistance Corp
Executive Director or CEO Gina Hill Slater Parker Address 175 Engineers Road, Suite 200, Hauppauge, NY 11778-4020 Website lisbac.org

Lendistry
Executive Director or CEO Everett Sands Address 777 S. Alameda Street 2nd floor, Los Angeles, CA 90021 Website lendistry.com

NHS Lending
Executive Director or CEO Buddy Compher Address 3380 W. Americana Terrace, Suite 120, Boise, ID 83706 Website nhslacounty.org

Optus Bank
Executive Director or CEO Dominik Mjartan Address 1241 Main Street, Suite 100 Columbia, SC 29201 Website optus.bank

PathStone Enterprise Center
Executive Director or CEO Javier Zapata Address 400 East Avenue. Rochester, NY 14607 Website theenterprisecenterinc.org

Toledo Urban Federal Credit Union
Executive Director or CEO Suzette Cowell Address 1441 Door Street, Toledo, OH 43607 Website toledourban.net

Women’s Economic Ventures (WEV)
Executive Director or CEO Kathy Odell Address 21 E Canon Perdido Street, Ste 301 Santa Barbara, CA 93101 Website wevonline.org