The Locus Bank, Inc All Credit Levels is a cdfi lender from Locus Bank, Inc. Application typically pulls a hard report from TransUnion. Approval typically requires a credit score of 700+ or higher. Locus Bank, Inc. is a Community Development Financial Institution (CDFI) based in Richmond, VA, focused on providing financial services to underserved communities. The bank aims to support local economic development by offering a variety of lending products tailored to the needs of individuals and small businesses. Services include: business loans, microloans, personal loans, mortgages. US Treasury certified CDFI Bank/Thrift in Richmond, VA.