CFG Bank
CFG Bank is a privately held, FDIC-insured Baltimore-based commercial bank with over $6 billion in assets, providing nationwide bridge, FHA/HUD, and agency financing to healthcare facilities and multifamily property owners, developers, and investors alongside commercial and personal banking.
- Company typePrivate
- Founded2019
- HeadquartersBaltimore, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What CFG Bank does
CFG Bank is a privately held, FDIC-insured commercial bank headquartered in Baltimore, Maryland, and the largest bank headquartered in that city, with assets exceeding $6 billion as of December 2025. The bank operates as a full-service financial institution providing commercial banking, commercial lending, personal banking, and a unified Bridge, HUD & Agency lending platform that delivers bridge loans, FHA/HUD financing, and Fannie Mae/Freddie Mac agency financing to healthcare facilities (skilled nursing, assisted living, memory care, behavioral health) and multifamily property owners, developers, and investors nationwide. Specialized healthcare and multifamily lending is executed through the wholly owned Capital Funding, LLC and Capital Finance, LLC subsidiaries, with a new CFG Mortgage Partners platform launched in June 2026 under Managing Partner Dan Sacks to expand national multifamily origination.
The bank generates revenue primarily through net interest income on its loan portfolio, complemented by transaction fees on commercial, bridge, HUD, and agency loan originations, as well as recurring deposit and cash management fees from commercial and personal banking clients. Its go-to-market is relationship-driven enterprise field sales targeting healthcare operators and multifamily developers across all U.S. regions, supported by three Maryland retail branches (Lutherville, Fells Point, Annapolis) and a fourth branch at Baltimore Peninsula planned for Summer 2026.
CFG Bank's technology infrastructure was modernized in December 2025 through a partnership with Jack Henry & Associates, deploying the Jack Henry core processing platform, Banno Digital Platform for retail customers, Enterprise Workflow solutions, and integrations with more than 950 API-connected fintech partners in a public cloud environment. The bank is privately owned by Chairman John W. "Jack" Dwyer with Erik Howard as President, and has raised external capital through rounds including a $125 million investment led by J.C. Flowers & Co. in December 2023 to support balance-sheet and lending-platform expansion.
CFG Bank firmographics
Firmographics- Name
- CFG Bank
- Legal name
- CFG Bank
- Website
- https://thecfgbank.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- CFG Bank is a privately held, FDIC-insured Baltimore-based commercial bank with over $6 billion in assets, providing nationwide bridge, FHA/HUD, and agency financing to healthcare facilities and multifamily property owners, developers, and investors alongside commercial and personal banking.
- Ownership category
- akta.pro rank
Where CFG Bank is headquartered
LocationHeadquarters
- HQ city
- Baltimore
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
CFG Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Commercial Banking: Traditional commercial banking services including cash management, commercial accounts, deposit services, and business lending for commercial clients.
- Commercial Lending: Commercial loans, capital markets services, and small business lines of credit provided to businesses across various industries.
- Bridge, HUD & Agency Lending: Specialized lending for healthcare facilities (skilled nursing, assisted living, independent living, memory care, behavioral health) and multifamily properties including bridge loans, FHA/HUD financing, and Fannie Mae/Freddie Mac programs. Also covers seniors housing and working capital.
- Personal Banking: Deposit accounts, banking services, and personal deposit rates for individual consumers.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
CFG Bank product offering
Product offeringCore offering
CFG Bank is a full-service commercial bank headquartered in Baltimore that originates bridge, FHA/HUD, and agency (Fannie Mae/Freddie Mac) loans for healthcare facilities and multifamily properties nationwide. It also provides commercial banking (cash management, commercial accounts, capital markets, small business lines of credit) to businesses and personal deposit accounts to consumers through Maryland branches and digital channels. The bank operates wholly-owned subsidiaries Capital Funding, LLC and Capital Finance, LLC and runs CFG Mortgage Partners for multifamily lending.
Product overview
CFG Bank is a full-service financial institution headquartered in Baltimore, Maryland, offering a platform-plus-module architecture combining commercial banking, personal banking, and specialized real estate lending products. Its core Bridge, HUD & Agency Lending platform unifies bridge lending, FHA/HUD financing, and agency financing (Fannie Mae/Freddie Mac) for healthcare and multifamily properties. Supporting modules include Commercial Banking (cash management, commercial accounts, commercial lending, small business lines of credit) and Personal Banking (deposit accounts, banking services). The bank operates subsidiaries Capital Funding, LLC and Capital Finance, LLC for specialized lending operations.
Differentiator
Problem solved
Functional benefit
Brands
- CFG Mortgage Partners: Multifamily lending platform providing customized debt solutions for multifamily property owners, developers, and investors nationwide.
- Capital Funding
Products and services
- Commercial Banking Commercial banking services for businesses including cash management, commercial accounts, commercial center tools, deposit rates, and a published business fee schedule. Designed for SMB and mid-market business clients seeking full-service business banking.
- Commercial Lending Commercial lending services for businesses nationwide, encompassing commercial loans, capital markets debt placement, and small business lines of credit. Targeted at businesses across varied industries needing flexible working capital and structured debt solutions.
- Bridge, HUD & Agency Lending Unified lending platform combining bridge lending, FHA/HUD financing (HUD 232, HUD 221(d)(4)), and agency financing (Fannie Mae, Freddie Mac) for healthcare facilities and multifamily properties. Integrates healthcare and multifamily lending under a single CFG brand with verticals for skilled nursing, multifamily, seniors housing, behavioral health, and working capital.
- Personal Banking Personal deposit accounts, banking services, deposit rates, and a published consumer fee schedule for individual retail customers, distributed through Maryland branches and digital banking channels.
- CFG Mortgage Partners National multifamily lending platform delivering customized debt products to multifamily owners, developers, and investors. Provides bridge loans, FHA/HUD 221(d)(4) construction and permanent financing, and Fannie Mae/Freddie Mac agency executions across the United States.
Quantifiable outcome
- $428.9 million in total financing closed Q1 2026
- +3 more outcomes
Companies that use CFG Bank
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
CFG Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
CFG Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Jack Henry & AssociatescoreCFG Bank selected Jack Henry to modernize its technology infrastructure with core processing, digital banking, and workflow solutions. The partnership includes Jack Henry's core processing platform with API integrations to over 950 fintech partners, the Banno Digital Platform for retail customers, and Enterprise Workflow solutions. Jack Henry provides ongoing modern service components in the public cloud. This partnership supports CFG's expansion in healthcare and multifamily lending markets and enables the bank to scale its niche healthcare bridge-to-HUD lending services.
- Jack Henry & AssociatescoreCFG Bank partnered with Jack Henry to modernize its technology infrastructure through a comprehensive front-to-back overhaul of its mainframe systems. The implementation includes Jack Henry's core processing platform with API integrations to over 950 fintech partners, the Banno Digital Platform for retail customers, and Enterprise Workflow solutions, with ongoing modern service components in the public cloud.
- City First BankcoreCFG Bank deposited $5 million into the Advancing Communities Together (ACT) Deposit Program in partnership with Washington, D.C.-based City First Bank. The partnership aims to increase access to capital and economic opportunity in low-income areas of Baltimore, supporting investment in underinvested communities.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
CFG Bank competitors and assessment
Company assessmentBroad incumbents
- Fulton Financial Corporation: Larger mid-Atlantic regional bank with commercial, CRE, and healthcare lending products across PA, NJ, MD, and VA; provides scale comparison for CFG's regional commercial banking ambitions.
- M&T Bank Corporation: Large Buffalo-based regional bank with significant Maryland presence and broad commercial/CRE lending; provides the regional scale benchmark CFG competes against.
- Walker & Dunlop, Inc. National CRE capital markets platform with deep multifamily agency lending and HUD execution; a primary competitor in the multifamily and seniors housing origination space where CFG Mortgage Partners now competes.
Direct peers
- WesBanco, Inc. Mid-Atlantic regional bank with CRE and commercial lending focus across WV, OH, PA, and MD markets; comparable to CFG in size, regional footprint, and commercial/mortgage lending mix.
- Dwight Capital: Specialty HUD/FHA and bridge lender focused on multifamily, seniors housing, and healthcare properties; near-perfect overlap with CFG's healthcare and multifamily bridge-to-HUD franchise.
- S&T Bancorp, Inc. Mid-sized Pennsylvania regional bank with a meaningful commercial real estate and commercial banking focus; similar size band and CRE loan mix as CFG.
- Greystone & Co. National CRE and healthcare finance advisor/originator with FHA, Fannie, and Freddie execution capabilities, directly competing with CFG's bridge and agency lending platform.
- Northwest Bank: Pennsylvania and Ohio regional commercial bank with CRE and multifamily lending exposure; comparable mid-sized peer with similar deposit-gathering and CRE origination profile.
Regional players
- First National Bank of Pennsylvania: Mid-Atlantic regional bank with commercial lending, CRE, and healthcare banking across PA, MD, OH, and WV; directly comparable in size, geography, and commercial lending mix.
- Atlantic Union Bankshares Corporation: Virginia and Maryland-headquartered regional bank with commercial and CRE lending; comparable mid-Atlantic competitor to CFG's Maryland base and commercial banking franchise.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
CFG Bank social profiles
Digital presenceCFG Bank compliance and trust
Trust signalCompliance1 record
CFG Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
CFG Bank leadership team
Management profileNumber of profiles
Profiles3 records
CFG Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
CFG Bank funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CFG Bank M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CFG Bank
What does CFG Bank do?
CFG Bank is a full-service commercial bank headquartered in Baltimore that originates bridge, FHA/HUD, and agency (Fannie Mae/Freddie Mac) loans for healthcare facilities and multifamily properties nationwide. It also provides commercial banking (cash management, commercial accounts, capital markets, small business lines of credit) to businesses and personal deposit accounts to consumers through Maryland branches and digital channels. The bank operates wholly-owned subsidiaries Capital Funding, LLC and Capital Finance, LLC and runs CFG Mortgage Partners for multifamily lending.
Is CFG Bank a public or private company?
CFG Bank is a private company. It is classified as private equity controlled and is currently operating.
When was CFG Bank founded?
CFG Bank was founded in 2019. It employs 101 to 250 people.
Where is CFG Bank based?
CFG Bank is headquartered in Baltimore, United States, in the North America region.
How does CFG Bank make money?
Four revenue lines are on record. Commercial Banking is the primary driver. The others are commercial Lending, bridge, HUD & Agency Lending and personal Banking.
Who are CFG Bank's main competitors?
Broad incumbents on record are Fulton Financial Corporation, M&T Bank Corporation and Walker & Dunlop, Inc.. Direct peers are WesBanco, Inc., Dwight Capital, S&T Bancorp, Inc., Greystone & Co. and Northwest Bank. Regional players are First National Bank of Pennsylvania and Atlantic Union Bankshares Corporation.
Does CFG Bank have an API?
No public API is recorded for CFG Bank.