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Who We Are

Who We Are

Saving houses from foreclosure. Revitalizing aging housing stock. Investing in community leaders.

This is the work of the Hartford Community Loan Fund: to provide and promote just and affordable financial services that benefit low-wealth residents of the communities we serve.

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In 1994, three political leaders representing Hartford's southend neighborhoods, State Senator William Dibella, State Representative (now Senator) John Fonfara, and City Councilman (later State Representative) Art Feltman secured State bond funding to capitalize a new nonprofit loan fund, the South Hartford Initiative.  In 2002, SHI was certified by the US Treasury Department as a community development financial institution (CDFI).  In 2006, SHI's Board voted to broaden its mission to include all of Hartford's neighborhoods, changing the name of the organization to Hartford Community Loan Fund.  In 2019, the Board voted to expand Hartford Community Loan Fund's lending territory to include all of Connecticut.

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Our Lending Philosophy

HCLF recognizes multiple bottom lines: we are responsible to our investors, but also to our community. We measure the value of what we do by portfolio performance and return on investment, but also by our community impact, including:

  • Affordable housing units rehabbed or created
  • Private and public sector capital invested in projects financed by HCLF
  • Jobs created by HCLF-financed projects
  • Homeowners supported
  • Increased municipal tax revenue generated by properties rehabbed with HCLF financing
  • Changes in public and private sector policies affecting the economic health of low-wealth residents in our target market

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Our Borrowers

Successful Homeowners & Small Business Owners In Your Neighborhood