The church lenders that actually serve churches

AGFinancial

The financial services arm of the Assemblies of God, offering church loans, investments, and retirement plans to AG-affiliated churches.

BCLC (Baptist Church Loan Corporation)

An ECFA-accredited Baptist-rooted lender serving Baptist and like-minded evangelical churches in 30+ states with no origination fees, no prepayment penalty, and no covenant reporting.

CDF Capital

The original Restoration Movement extension fund, founded in 1953 and serving Christian Churches and Churches of Christ across all 50 states.

Christian Financial Resources

A Florida-based extension fund founded in 1980 with $850M+ in total assets and $1.5 billion in cumulative ministry lending, serving independent Christian Churches and Churches of Christ.

Cornerstone Fund

The United Church of Christ extension fund, founded in 1993, with one of the broadest church loan product suites in the niche and explicit mission-aligned underwriting for impact projects.

Lutheran Church Extension Fund (LCEF)

The lending and investment partner of the Lutheran Church Missouri Synod, with one of the broadest church-focused product suites and a published Congregation Partner Rate.

Solomon Foundation

A national church extension fund serving the Restoration Movement (Christian Churches and Churches of Christ) with no application fees and a portfolio funded by member investments.

UCC Church Building & Loan Fund

The oldest church-lending institution in the United States, founded 1853 and lending since 1895, with a verified track record of zero foreclosures during the 2000s mortgage crisis and rates positioned below commercial bank.

Wesleyan Investment Foundation

The 80-year extension fund affiliated with the Wesleyan Church and the Church of the Nazarene (exclusive partnership), with a clean foreclosure record and a notable fintech investment in Overflow.

AdelFi

The faith-based credit union (formerly ECCU) lending to Christian churches across all denominations, federally insured by the NCUA, and recently merged with Christian Community Credit Union.

Church Capital Corporation

A private-money church loan broker arranging asset-based loans without personal guarantees, credit checks, or upfront fees, primarily for churches that conventional institutional lenders have declined.

Note: Private-money lender: rates are typically well above extension funds and banks. Usually considered only after conventional lenders decline.

Church Capital Resources

A 50-year-old church loan advocacy firm that has directed $1.78 billion in cumulative church financing by representing churches in negotiations with multiple correspondent lenders.

Emerging Capital Funding

A pastor-led church loan brokerage that places loans through a network of banks, church lenders, and private capital partners with no upfront fees and no personal guarantees.

Faith Based Funding

A Florida-based church loan consultancy that packages applications and presents them to a network of lenders, with founders citing decades of commercial banking experience and substantial educational content for first-time church borrowers.

Griffin Church Loans

A nationwide church loan firm with $2 billion in cumulative closings, marketed around speed, no personal guarantees, and broad product range.

Farmers & Merchants Bank

A 118-year California community bank with $11.8 billion in assets and a dedicated Religious Client Services unit, with documented faith-based banking history dating to 1907.

First Citizens Bank

A top-20 US commercial bank with $230 billion in assets and a nonprofit banking practice that serves religious organizations alongside other nonprofit verticals.

Thrivent Church Financing

The church lending division of Thrivent Financial, with more than 100 years of church lending history and a program now open to all Christian congregations.