$4.3M
IN CREDIT BUILDING LOANS
MAF supported 3,111 people through active credit-building loans totaling $4.3 million to help clients invest in their futures. For small business owners like Susana, that support meant expanding inventory, strengthening operations, and building a more resilient business.
$1M
KEPT OUT OF PREDATORY LENDING
Clients avoided $1M in predatory fees and interest through MAF’s credit-building loans—keeping more money in their households and communities. For Carlos and Soledad, MAF’s partnership-driven support helped remove financial barriers on their path to citizenship.
425
PEOPLE REDUCED COLLECTIONS DEBT
Collection debt is a trap that follows people for years, blocking housing and jobs. In 2025, 425 MAF clients reduced their collection debt by an average of $2,616 per person. That’s not just financial relief — it’s a fresh start.
1,837
PEOPLE ADDED NEW TRADELINES
Every new tradeline is a new relationship with the financial system. In 2025, 1,837 MAF clients strengthened their credit profile with an average of 2.9 new tradelines each — making them more visible, more credible, and harder to ignore.
+34
AVG. CREDIT SCORE INCREASE
Participants increased their credit scores by an average of 34 points, with 1,018 people improving their credit through MAF programs. For Hugo, stronger credit helped lay the financial foundation to become a licensed California contractor.
448
PEOPLE BECAME CREDIT VISIBLE
In 2025, 448 people entered MAF with no credit score and left with an average score of 665—with half exiting at prime credit. For Maria Carmen, building credit through community opened new pathways to financial opportunity.
The voices
When Immigration Uncertainty Hits
For thousands of families, 2025 brought heightened fear about deportation, DACA renewals, and family separation.
MAF showed up with both immediate relief and long-term support.
For thousands of families, 2025 brought heightened fear about deportation, DACA renewals, and family separation.
MAF showed up with both immediate relief and long-term support.
When Income is Unstable
Small business owners and entrepreneurs are the heartbeat of our communities—yet they’re often locked out of traditional lending.
In 2025, we invested in their dreams with capital and coaching.
Small business owners and entrepreneurs are the heartbeat of our communities—yet they’re often locked out of traditional lending. In 2025, we invested in their dreams with capital and coaching.
When Credit Is Out of Reach
Credit scores determine access to housing, jobs, and opportunity—yet millions are locked out
simply because the system doesn’t recognize how they already manage money. MAF Programs change that.
Credit scores determine access to housing, jobs, and opportunity—yet millions are locked out simply because the system doesn’t recognize how they already manage money. MAF Programs change that.
This is what being present looks like.
“I feel very proud that I always have the strength to keep moving forward despite any adversity that comes my way.”
-Rosa
MyMAF
MyMAF provides free tools and guidance to help you save, build credit, and achieve success in your financial life.
MIJA
MIJA provides personalized action plans, resources, and tools tailored to everyone’s unique immigration journey.
MAF Central
MAF Central manages resources, user data, and notifications for all MAF digital tools, supporting both clients and partners.
In 2025, these tools served 3,000+ users, making financial empowerment more accessible than ever before.
Deep Listening Blog Series
Discover how MAF’s deep listening approach fosters authentic relationships and drives impactful financial solutions that empower low-income and immigrant families.
Immigration Enforcement Survey
More than 1,200 families shared how deportation fear quietly reshapes every financial decision—from opening bank accounts to applying for jobs
How Immigrant Communities Navigate Digital Financial Services
We partnered with Remitly Foundation to learn from nonprofit providers, individuals, and communities about how they navigate digital financial services
Community Conversations
We traveled to Los Angeles, Chicago, and San Francisco and engaged with many community members, learning about their financial journeys, challenges, and successes
Listening Is Our Strategy
Our Deep Listening approach isn’t a program—it’s our methodology. We create space for community members to name their challenges, their dreams, and their solutions. Then we build with them, not for them.
In 2025, we listened deeply—and what we heard shaped everything we built:
Deep Listening Blog Series
Discover how MAF’s deep listening approach fosters authentic relationships and drives impactful financial solutions that empower low-income and immigrant families.
Immigration Enforcement Survey
More than 1,200 families shared how deportation fear quietly reshapes every financial decision—from opening bank accounts to applying for jobs.
How Immigrant Communities Navigate Digital Financial Services
We partnered with Remitly Foundation to learn from nonprofit providers, individuals, and communities about how they navigate digital financial services.
Community Conversations
We traveled to Los Angeles, Chicago, and San Francisco and engaged with many community members, learning about their financial journeys, challenges, and successes.
MAF doesn’t guess. MAF listens.
Partner Organizations
30 Lending Circles partners nationwide, meeting monthly and quarterly to share learning and strengthen our collective impact across 29 states
Civic Leadership
In 2025, MAF CEO José Quiñonez was appointed to San Francisco Mayor Daniel Lurie’s Transition Team, bringing community voice to policy tables.
Community Events
Through conferences, webinars, and local events, we continue building trusted relationships that expand access and opportunity.
Our 2026 Commitments:
