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It’s no secret that homeownership is a key driver of wealth and economic security. At this point, it’s not really up for debate.
The combination of building equity through mortgage payments and home appreciation is a powerful combination. We’ve gone in detail throughout many articles throughout this site in particular about increasing the black homeownership rate.
As a citizen of this country, regardless of your race, ethnicity or sexual orientation, it’s in your best interest for the GDP of this nation to increase. By increasing the homeownership of African Americans, you increase the wealth of the entire nation. This McKinsey article goes into more detail.

We encourage you to support a black owned business, a black realtor, a black lender(below) or a black loan officer wherever you come across them. And not just during black history month 🙂
For a more comprehensive understanding about the history and importance of black owned banks, we recommend checking out the book The Color Of Money: Black Banks and the Racial Wealth Gap by Mehrsa Baradan.
The Importance of Home Loans
There are many lists of black owned banks and credit unions, which is wonderful. These lists are great for:
- The underbanked in need of a welcoming financial institution.
- People looking to bank black and move some of their money to a black owned bank.
- People seeking commercial loans.
Unfortunately, many of these banks and credit unions only provide access to a checking account or make commercial loans. There is an enormous gap between those two ends of the spectrum, i.e. those who may already have a checking account and those who are not small business owners. What about people looking for a home loan?
This is the core population of those who are potentially eligible to buy a home, but need the right type of mortgage product (VA, FHA, conventional loan, USDA) and the right loan officer to ensure that they have a fair chance of being approved for a home loan and not being unjustly denied.
Secondly, making loans is how banks generate the majority of their revenue. Minority owned institutions in turn reinvest this money into underserved communities, creating a prosperous cycle.
We can connect you to a good black realtor in nearly 500 cities, but unfortunately, it will take more time for us to do the same for black lenders and loan officers.
If you have any recommendations, please contact us. In the meantime, here’s the list.

Contact any of the below to apply
Comprehensive List of Black Owned Mortgage Lenders & Loan Officers
Realtors helps you find a home but lenders💰 help you pay for it! The first step in the home buying process is to apply for a home loan. You may want to compare and contrast 2-3 lenders to see who is the best fit.
The lender should be able to let you know what type of loan would be best for you as well as let you know if you’re eligible for any downpayment assistance programs.
You’ll notice that there are a lot of cities missing from this list but all lenders can originate loans in any city in throughout the entire state. If there isn’t anyone in your state, then (sigh) contact any of the big banks or online lenders.
The truth is that, unfortunately, every state does NOT have a black owned mortgage lender. There are, however, black loan officers in (almost) every state.
If you’re a good black doctor, lawyer, or engineer, you may not work for a black owned hospital, law firm, or tech company…but you still deserve to be recognized. That is how we feel as well so we have included good black loan officers in this list as well.
A note to Home Buyers & Sellers
Once you’ve been approved for a home loan, please visit us again and we’ll recommend a great realtor for you to interview. Supporting a black owned bank and a black realtor? You’re alright in our book!
Alabama
- Birmingham – Citizens Trust
- Eutaw – Citizens Trust
- Tuskegee – Liberty Bank
- Montgomery – Liberty Bank
Arizona
- Phoenix – Bernice Payne, Intercap Lending
- Scottsdale – Meloniece Gaskins, Guaranteed Rate
California
- San Francisco & Oakland – Brenda Wyatt, American Pacific Mortgage
- San Francisco & Oakland – Stephen Levias, Levias Loans
- Los Angeles (individual) Keith Bailey, Arcus Lending
- Los Angeles – One United
- Los Angeles – Conrad Van, Mutual Mortgage
- Los Angeles – Remington Home Loans
- Los Angeles – Legacy Home Loans
- Sacramento, Fresno, San Diego – Self Help Federal Credit Union
Colorado
- Denver plus surrounding – Chad Robinson, Lending Quarters
- Denver area – Prime Mortgage LLC
- Denver area – Bryant Pryor, UMB Mortgage
Florida
- Miami – One United
- Tampa – Anna Ferjuste, NFM Lending
- Tampa – Blue Dolphin Capital
Georgia
- Atlanta – Citizens Trust
- Atlanta/Covington – Dianne Jennings, Global Mortgage Strategies
- Atlanta/Peachtree City – Pauline Harris, Movement Mortgage
- Atlanta – ElCapMortgage
- Savannah – Carver State Bank
- Atlanta/Smyrna – Anthony Rice, Bay Equity Home Loans
Illinois
- Chicago – Jarrod Greer, Guaranteed Rate
- Chicago – Catherine Okoroh, Guaranteed Rate
- Chicago – Self Help Federal Credit Union
Kansas
- Kansas City – Liberty Bank
Kentucky
- Louisville – Liberty Bank
Louisiana
- Baton Rouge – Liberty Bank
- New Orleans – Liberty Bank
Maryland/DC/Northern Virginia
- DC & MD – Thomas Phillips, Caliber Home Loans
- Baltimore – The Harbor Bank of Maryland
- DC & PG County – Industrial Bank
Massachusetts
- Boston & surrounding – Maurice Barnes, RPM Mortgage
- Boston – One United
Michigan
- Detroit – First Independence Bank
- Detroit – Liberty Bank
Mississippi
- Jackson – Liberty Bank
Missouri
- Kansas City – Liberty Bank
Nevada
- Las Vegas – Shamir Geisinger, Primary Residential Mortgage
New Jersey
New York
- NY – Christine Hepburn, UNMB Loans
- NY – Mitello Camay, Loan Depot
- Harlem – Industrial Bank
North Carolina
- Statewide – Legacy Home Loans, Netfa
- Charlotte – BlackHawk Mortgage
Pennsylvania
- Philadelphia – Kamille Lawson
- Philadelphia – Saunda Love
Rhode Island
- Rhode Island – Jeffrey Nelson, Movement Mortgage
South Carolina
- Columbia/Lexington – Darin Bradford
- Greenville/Florence – Summit Funding
Tennessee
- Nashville – Latonya Johnson
- Memphis – Tri State Bank of Memphis
Texas
- Dallas – Yolanda Ruswayi, OZ Lending
- Dallas – Best Suited Mortgage
- Houston – AFN Corp, James Lee
- Houston – BlackStar Mortgage
Virginia & Washington D.C.
- DC/MD/VA – Thomas Phillips, DK Mortgage
Wisconsin
- Milwaukee – Columbia Savings & Loans
Conclusion
We’re looking for experienced black loan officers and black mortgage brokers to add to this list, particularly in cities where there are no established black owned mortgage lenders or black owned banks.