Native CDFIs & Other Lenders

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• Indian Land Tenure Foundation

  The Indian Land Tenure Foundation (ILTF) is a national, community-based organization serving American Indian nations and people in the recovery and control of their rightful homelands.

  https://iltf.org/

• Tribal Leaders Handbook on Homeownership: Lending Processes to Optimize Opportunities for Homeownership
• First Nations Development Institute

  Our mission is to strengthen American Indian economies to support healthy Native communities. We invest in and create innovative institutions and models that strengthen asset control and support economic development for American Indian people and their communities.

  https://www.firstnations.org/

• Freddie Mac Duty to Serve Underserved Markets Plan
• Native Partnership for Housing
• South Dakota Native Homeownership Coalition: Models & Resources Supporting Native Homeownership
• US Dept. of Veterans Affairs Native American direct loan

  If you’re a Veteran, and either you or your spouse is Native American, our Native American direct loan (NADL) program may help you get a loan to buy, build, or improve a home on Federal Trust Land.

  https://www.va.gov/housing-assistance/home-loans/loan-types/native-american-direct-loan/

• Mapping Native American Financial Institutions
• FHA.com
• How Servicers Use High-Touch Methods to Reach Homeowners
• List of Native CDFI Mortgage Lenders

  • Alaska Benteh Capital Palmer
  • Alaska Cook Inlet Lending Center Anchorage
  • Alaska Council for Native Hawaiian Advancement (CNHA) Kapolei
  • Hawaii Four Directions Development Corporation Orono
  • Maine Lakota Funds Pine Ridge Reservation
  • South Dakota Mazaska Owecaso Otipi Financial Pine Ridge Reservation
  • Minnesota Chippewa Tribe Finance Corp. Cass Lake
  • Native American Community Development Corp (NACDC) Browning, MT
  • Native Community Finance Laguna, New Mexico
  • Native Partnership for Housing Gallup, NM
  • Salt River Financial Services Institution Scottsdale, Arizona
  • Tiwa Lending Services Isleta, NM
  • Wisconsin Native Loan Fund Lac du Flambeau, Wisconsin
• 2017 Bureau of Indian Affairs Mortgage Training - Mortgaging Tribal Trust Land

  Presented by the Northwest Bureau of Indian Affairs Realty, Housing, and Land Title and Records Office in partnership with HUD’s Office of Loan Guarantee. Presentations include current loan processing updates for 2017 and an overview of the mortgage process on tribal trust and allotted lands. Section 184 underwriters and lenders provided an overview of the lenders processing requirements from origination to closing and final issuance of the loan guarantee certificate.

  https://www.hud.gov/program_offices/public_indian_housing/ih/homeownership/184/training

• Access to Capital and Credit in Native Communities: A Data Review
• USDA Rural Development Single Family Housing Direct Loan Program
• US Dept of Agriculture Rural Home Loans
• Opportunity Finance Network

  Opportunity Finance Network (OFN) is the national association of community development financial institutions (CDFIs). Our network helps money flow across all 50 states to people and places where traditional finance doesn’t reach.

  https://ofn.org/about

• Native American Mortgage Products
• First Nations Oweesta Corporation

  First Nations Oweesta Corporation’s mission is to provide opportunities for Native people to develop financial assets and create wealth by assisting in the establishment of strong, permanent institutions and programs contributing to economic independence and strengthening sovereignty for all Native communities.

  https://www.oweesta.org/

• Native American Contractors Association

  Protecting the rights of Indigenous peoples to create economic development through government contracting, based upon the unique legal and political relationship between Indigenous peoples and the United States.

  http://nativecontractors.org/

• New Mexico Mortgage Finance Authority
• Exploring the Challenges and Opportunities for Mortgage Finance in Indian Country
• Travois
• FHLBanks' Affordable Housing Program (AHP)
• Native American CDFI Assistance Program, US Dept. of Energy
• National Congress of American Indians

  Founded in 1944, the National Congress of American Indians (NCAI) is the oldest, largest, and most representative American Indian and Alaska Native organization serving the broad interests of tribal governments and communities.

  http://www.ncai.org/

• CDFI Fund Native Initiatives - US Dept. of Treasury

  Through the use of monetary awards and training opportunities, the CDFI Fund’s Native Initiatives program creates jobs, builds businesses, and fosters economic self-determination in Native Communities nationwide.

  https://www.cdfifund.gov/programs-training/Programs/native-initiatives/Pages/default.aspx

• Fannie Mae Initiative for Native American Homeownership
• Native American Lending Study
• CDFI Basics, from Federal Reserve Bank of Minneapolis

  A community development financial institution, or CDFI, is a specialized entity that provides lending, investments, and other financial services in economically distressed communities.

  https://www.minneapolisfed.org/community/cdfi-resources

  https://www.minneapolisfed.org/community/cdfi-resources/our-work-with-cdfis

• Fannie Mae HomeReady® Mortgage
• Access to Capital and Credit in Native Communities
• Native American Finance Officers Association

  NAFOA advocates sound economic and fiscal policy, develops innovative training programs in financial management, builds the financial and economic skills of the next generation, and convenes tribal leadership, experienced professionals, and economic partners to meet the challenges of economic growth and change.

  https://www.nafoa.org/

• "Investing where traditional banks won't: Building success and community in Indian Country"
• National Native Homeownership Coalition (NNHC)

  The CICD established the National Native Homeownership Coalition (NNHC) in 2016 to enhance homeownership opportunities in Native communities, especially on trust lands, by bringing together key players and systems leaders in order to resolve barriers to homeownership on trust lands. The NNHC is extensively engaged with tribal housing programs, federal agencies, housing organizations, and lenders.

  https://www.minneapolisfed.org/indiancountry/native-homeownership

• Mortgage Lenders Working in Indian Country
• Fannie Mae Originating & Underwriting
• National Center for American Indian Enterprise Development

  Our motto is: “We Mean Business For Indian Country” as we are actively engaged in helping Tribal Nations and Native business people realize their business goals and are dedicated to putting the whole of Indian Country to work to better the lives of American Indian people- both now… and for generations to come.

  https://www.ncaied.org/

• Section 184 Indian Home Loan Guarantee Program

  The Section 184 Indian Home Loan Guarantee Program is a home mortgage product specifically designed for American Indian and Alaska Native families, Alaska villages, tribes, or tribally designated housing entities. Congress established this program in 1992 to facilitate homeownership and increase access to capital in Native American Communities.

  https://www.hud.gov/program_offices/public_indian_housing/ih/homeownership/184

• Native CDFI Network

  The Native CDFI Network’s mission is to be a national voice and advocate that strengthens and promotes Native community development financial institutions (CDFIs), creating access to capital and resources for Native peoples.

  https://nativecdfi.net

• Access to Capital and Credit in Native Communities