NorthernTrust logo2017Northern Trust is a long-time supporter of the Florida Community Loan Fund, both through investments and operating support. As one of the world's leading banking institutions, Northern Trust's confidence in FCLF means a great deal. Established in 1889, it has stood as a symbol of strength and stability in an ever-changing environment for over a century.

Northern Trust made its first investment in FCLF in 2000 and has been a strong partner ever since. In 2017, Northern Trust showed its confidence in Florida Community Loan Fund by increasing its investment, more than doubling the previous amount. Mr. Carlos Noble, Senior Vice President of Northern Trust in Miami, formerly served as Chair of FCLF's Board of Directors and is currently a volunteer member of our Finance Committee.


The following is information from Northern Trust website:

For more than a century, Northern Trust has worked hard building our legacy of outstanding service, expertise and integrity. From a Chicago-based bank founded in 1889, we now have more than 20 international locations and 16,500 employees globally. We serve the world’s most-sophisticated clients – from sovereign wealth funds and the wealthiest individuals and families, to the most-successful hedge funds and corporate brands. 

Community Affairs: Our approach. Since 1889, we have actively advanced a culture of caring and a commitment to invest in the communities we serve worldwide. This philosophy continues today through:
• Progressive community lending efforts
• Contributions to service and community organizations
• Employee volunteerism
• Gifts in-kind such as donations of meeting space, graphic design expertise and other knowledge services
• Directorship guidance to charitable and civic boards
• Community Reinvestment Act (CRA) Initiatives. The Northern Trust Company has “outstanding” Community Reinvestment Act (CRA) ratings.

Our Children, Our Neighborhoods, Our Community. Northern Trust supports organizations working in three core areas: education, social welfare, and arts and culture. We are committed to supporting education organizations that bring innovative, comprehensive and exemplary programs to students. Through our efforts to augment the priorities and goals of local education organizations, students in our global locations gain additional tools to strengthen their academic achievement and leadership development.
We support effective organizations working to measurably improve the quality of life in our focus communities. Health, basic human needs and community development programs provide invaluable support to people who face obstacles that impede their full participation in society.

And, we support organizations that bring opportunities to our communities, in order to create forums for social interaction that celebrate all of our diversity and heritage.

(Source: Northern Trust website, Community Affairs

Pictured, FCLF CEO Ignacio Esteban with Carlos Noble of Northern Trust

NTrust Carlos IE 2014

 

Components of Capital

FCLF Components of Capital 2018 06 30 250w

Cumulative Financing

FCLF Cum Financing 2018 250w

"Thank you to our friends at FCLF. Your staff has been patient and helpful. We'll make you proud!" – Bill Lazar, Executive Director

St. Johns Housing Partnership

"It is really working. FCLF is really touching low-income people." – Florida Community Loan Fund Founding Board Member

Sister Mary Heyser, RSHM

"FCLF staff shares our vision and commitment to serve needy families and provide a high quality education to all children." – Thomas Cole, Founder

Emma Jewel Charter Academy

"We are delighted to partner with you to serve those most in need in our communities." – Eileen S. Coogan, President & CEO

Allegany Franciscan Ministries

"We appreciate how the work of FCLF primarily benefits low- to moderate-income individuals and areas and supports the needs of our community." – Maria J. Thompson, Community Development Manager

Third Federal Savings

"FCLF has proven its community impact and hard work. We are proud to partner with FCLF." – Leslie Watson, Analyst, Community Investments

Dignity Health

"Trinity Health is happy to partner with FCLF. We look forward to seeing the impact in the communities you serve." – Sr. Kathleen Coll, SSJ, Administrator, Shareholder Advocacy

Trinity Health

"Thanks to FCLF, we are one step closer to providing a permanent housing solution for veterans and others seeking quality housing at an affordable price." – Carrie Davis, Executive Director

Wealth Watchers

"FCLF demonstrates a mission-oriented philosophy that is compatible and supportive, broadens our platform and deepens our portfolio of products and services." – Kent Adcock, CEO

Habitat for Humanity of Lake-Sumter

"BankUnited understands the challenges facing our communities; we applaud FCLF's efforts. Thank you for making our community a better place to live." – Katrina Wright, VP Comm. Dev.

BankUnited

"FCLF shows a clear strategy and demonstrated evidence of addressing prevalent community needs." – J. Reymundo Ocañas, Director, Corp Responsibility

BBVA Compass

"Without FCLF's support, we would not have been able to deliver the services our area so desperately needs. We look forward to a lifetime relationship." – Tom Griffin, CEO

The Transition House, Inc.

"We consider FCLF a valued partner and strong advocates for low-income communities and families. We look forward to many more years of working together." – Jennifer Westerbeck, Vice President

US Bancorp CDC

"We couldn't achieve our mission of creating strong neighborhoods without FCLF's help. Their staff is always friendly, quick to respond, and efficient." – Bonnye Deese, Executive Director

BAND

"FCLF understood our context, embraced the project vision, and were willing to make an investment that others deemed as too risky." – Lynn Brockwell-Carey, Executive Director

Brevard Neighborhood Development Coaliti…

"Our partnership with FCLF helps the American Dream of homeownership come true." – Michael Roberts, Exec Dir

R.E.A.C.H.

"Cade Museum is proud to be partners with FCLF and JPMorgan Chase. Thanks to the NMTC Program, we will provide a transformative asset to our community." – Jennifer Denault, COO

Cade Museum for Creativity & Inventi…

“The partnership with FCLF is very exciting for us – an essential component in providing greater access to fresh healthy food in downtown New Port Richey.” – Jeff Wright, Owner

Wright's Natural Market

"I appreciate FCLF for lending in rural areas, where many other lenders are exiting. From the first moment we spoke with FCLF staff, we felt we had a partner." – Jamie Kerr, President, AMCS Dev.

Griffin Heights

"FCLF understands and is a part of what we are doing: helping families have the American dream of owning a home." – Isaac Simhon, Executive Director

Housing Programs, Inc.

Our Partners

Neighbor Up and FCLF
FCLF Chief Lending Officer visits with the Executive Director of Neighbor Up (formerly BNDC)
FCLF and Rep. Webster
Rep. Daniel Webster visited FCLF staff.
Haley Park Construction
FCLF projects create jobs and stimulate development in low-income communities.
KIPP Jacksonville
Rep. Ander Crenshaw visited KIPP Jacksonville School
Emma Jewel Academy and FCLF
Emma Jewel Charter Academy offers education for the whole child in Brevard County.
TD Bank Charitable Foundation
Support from TD Bank Charitable Foundation helps FCLF build strong communities.
ASPIRA of Florida and FCLF
FCLF CEO and one of our supporters visit the ASPIRA Arts Deco school.
Emma Jewel Charter Academy
Nutritious snacks are a part of the healthy focused curriculum at Emma Jewel Charter Academy.
ASPIRA of Florida Aspirantes
ASPIRA of Florida offers education & mentoring with a focus on low-income and Latino students.
Neighbor Up, Affordable Housing
Neighbor Up, formerly BNDC, offers affordable housing in Brevard County.
Million Meals 2012
FCLF staff and supporters volunteer at Million Meals event.
Mathis Place Resident
Residents at Neighborhood Renaissance's Mathis Place enjoy affordable rent.
Metro Min Grand Opening
FCLF staff with local supporters at Metropolitan Ministries Tampa.
MTZ Carver Construction
FCLF projects create jobs and stimulate development in low-income communities.
Boys & Girls Clubs of Manatee
FCLF staff and US Legislative staff at an event honoring Youth of the Year.
duPont Fund and FCLF
The duPont Fund used FCLF and NMTC Financing to revitalize downtown Jacksonville.
DuPuis Pointe Miami
DuPuis Pointe offers affordable, hurricane proof homes in Miami.
Greater Heights Resident
FCLF Financing to Neighbor Up Brevard helps provide affordable rental housing.
Valley Bank
Support from Valley Bank helps FCLF build strong communities.
RCRI Conference 2012
The RCRI Conference allows FCLF staff to touch base with our religious supporters.
FCLF and Florida Housing Coalition
FCLF representatives are ready to talk about your project success.
FCLF Board and Staff
FCLF Board Members represent our investors, borrowers, and technical experts.
FCLF at Florida Housing Conference
FCLF Staff are on hand at conferences and events to discuss our programs.
Casa San Juan Bosco and FCLF
New rental homes are available for farmworker families at Casa San Juan Bosco.
Casa San Juan Bosco and FCLF
Catholic Charities, Diocese of Venice, financed the land for farmworker rental housing with FCLF.
FCLF at Florida Housing Conference
FCLF staff are active at statewide conferences and events.
BNDC Greater Heights
Greater Heights offers new, safe, affordable rental homes in what was formerly a high crime area.
Armature Works
FCLF and the NMTC Program renovated a historic building into a small business incubaor.
TD Charitable Foundation, TD Bank
TD Charitable Foundation and TD Bank have supported FCLF's mission since 2006.
Housing Programs, Inc.
FCLF financing to Housing Programs, Inc. helps provide affordable homes for ownership.
FLACDC Conference
FCLF Staff meet and greet friends at an FLACDC event.
Northern Trust Roundtable
FCLF supporter, the Northern Trust Company, hosted a housing roundtable in Sarasota.
Boys & Girls Clubs of Manatee
FCLF and NMTC are creating a new facility for the Boys & Girls Clubs of Manatee County
Axiom Bank
Support from Axiom Bank helps FCLF build strong communities.
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Our Vision Opportunity and dignity exist for every person and community in Florida.
Our Mission Our expertise and capital make projects successful and help organizations improve lives and communities.