DownHome Solutions
CDFI Loan Origination, Servicing and Compliance ReportingDownHome Loan Manager is a CDFI-focused origination, servicing, and reporting platform whose distinguishing feature is CDFI Fund TLR output built to specification, including the abbreviated variant.
Loan funds whose hardest recurring problem is CDFI Fund TLR reporting and multi-fund tracking rather than credit analysis depth
Quick Facts
- Company
- DownHome Solutions
- Founded
- 1998
- HQ
- Seattle, WA
- Best Fit
- Small to Midsize
- Pricing
- Subscription
- Market
- DownHome says it has served community lenders for more than 25 years
Overview
DownHome Solutions was founded in 1998 in Seattle to serve community development lenders, and that focus has not widened since. DownHome Loan Manager handles origination, servicing, and portfolio management, but the reason CDFIs shortlist it is the reporting: DLM produces the CDFI Fund Transaction Level Report in both full and abbreviated variants, as XML matching the CDFI Fund's published specifications, with geocoding validation and the lookups the AMIS system requires. It also covers SBA MPERS, 1502 reporting, and credit bureau submission. The portfolios it is built for are the ones bank platforms handle awkwardly: credit-builder loans, microloans under $50,000, home mortgages, housing construction, and multi-million dollar community development projects in the same book. What you give up is the commercial credit depth a bank-oriented platform brings, which is why larger regulated CDFIs often pair it with, or choose, something heavier.
Key Features
- ▸ CDFI Fund TLR output in full and abbreviated variants as CDFI Fund-spec XML
- ▸ Geocoding validation and AMIS lookups built into reporting
- ▸ Origination, servicing, and portfolio management in one platform
- ▸ SBA MPERS, 1502, and credit bureau reporting modules
- ▸ General report builder for ad hoc mission and funder reporting
- ▸ APIs to origination platforms, CRM, QuickBooks, and Sage Intacct
Pricing
What we know about DownHome Solutions pricing:
DownHome does not publish standard pricing. Expect quotes scaled to portfolio size and modules, positioned for mission-lender budgets rather than bank budgets.
Like most enterprise LOS vendors, DownHome Solutions doesn't publish standard pricing. Quotes are customized based on institution size, loan volume, and module selection. We recommend requesting all-in three-year TCO quotes that include implementation, training, and ongoing fees.
Key Integrations
Publicly documented integrations or connectivity options for DownHome Solutions include the following:
Ideal Customer Profile
- Asset Size
- Small to mid-size CDFI loan funds and community development lenders
- Loan Volume
- Mixed portfolios spanning microloans through multi-year development projects
- Staff Size
- Small teams where one person often owns both servicing and CDFI Fund reporting
- Best When
- TLR reporting and multi-fund tracking are the recurring pain, not credit analysis
Pros & Cons
Strengths
- ✓ TLR output built to CDFI Fund specification rather than exported and reformatted by hand
- ✓ Handles the mixed portfolios CDFIs actually run, from microloans to development projects
- ✓ Priced and scoped for mission-lender budgets rather than bank budgets
Limitations
- ✗ Commercial credit analysis and spreading are lighter than bank-oriented platforms
- ✗ Narrow by design: not a fit for a bank or credit union outside its CDFI work
- ✗ No published pricing, and limited independent review coverage
Frequently Asked Questions
Does DownHome produce the CDFI Fund TLR?
Is DownHome suitable for a bank or credit union CDFI?
Last updated: August 9, 2026
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