At a glance
From its website, read 29 Oct 2026Four Directions Development Corporation is a loan fund based in Orono, Maine. Its website describes home repair loans, affordable housing development loans, home mortgages and 2 other loan types. Where it lends: Maine: Native American tribes and Native-owned businesses.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (207) 866-6545 source |
|---|---|
| info@fourdirectionsmaine.org source | |
| Website | www.fourdirectionsmaine.org |
| Office (official list) | 20 Godfrey Drive, Unit 7, Orono, ME 04473 |
What their website says about applying
Interested in applying for a loan? Want to learn more about how to start or grow your Native-owned small business?
sourceDue to the large geographic area in which FDDC makes loans, it is always best to call ahead and schedule an appointment for more information regarding FDDC lending.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Income limit applies
The applicant’s income must be at or below 100% of the current median household guidelines from
source - Homebuyer education required
Approved applicants are expected to complete an 8-hour
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 24 Aug 2026 |
| RSSD ID | — (none listed) |
| Address | 20 Godfrey Drive, Unit 7, Orono, ME 04473 Directions (Google Maps) |
| Website | www.fourdirectionsmaine.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 29 Oct 2026Read from 6 pages of the lender's website on 29 Oct 2026. Quotes are verbatim. Reviewed by a person (Oct 2026). Items added later were extracted with AI help and checked automatically against the pages listed below. Confidence: medium. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | — | Home Improvement Loan | source |
| Affordable housing development loans | — | Tribal governments, nonprofits, and tribal enterprises can work with Four Directions for financing that fits your real estate pre-development, construction costs, infrastructure, and working capital needs for: | source |
| Home mortgages | — | Residential Loans Four Directions offers many residential loan options to help you find the house of your dreams. We have products available for homes on- and off-reservation. FDDC offers multiple home mortgage products… | source |
| Nonprofit / community facility loans | — | Tribal governments, nonprofits, and tribal enterprises can work with Four Directions for financing that fits your real estate pre-development, construction costs, infrastructure, and working capital needs for: | source |
| Small-business loans | up to $250,000 | Small business loans have a maximum amount of $250,000 and are offered at affordable rates with flexible terms. | source |
Loan sizes
Small business loans have a maximum amount of $250,000 and are offered at affordable rates with flexible terms.
source
Service area
Maine: Native American tribes and Native-owned businesses
improve the social and economic conditions of the Native American tribes in Maine — the Maliseet, Mi’kmaq, Passamaquoddy, and Penobscot
source
Borrower focus
- Native American / Alaska Native / Native Hawaiian
OUR MISSION The mission of Four Directions Development Corporation is to improve the social and economic conditions of the Native American tribes in Maine — the Maliseet, Mi’kmaq, Passamaquoddy, and Penobscot — through …
source - Nonprofits
Tribal governments, nonprofits, and tribal enterprises can work with Four Directions for financing that fits your real estate pre-development, construction costs, infrastructure, and working capital needs for:
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (6)
- https://fourdirectionsmaine.org/
- https://fourdirectionsmaine.org/loans/small-business-loans/
- https://fourdirectionsmaine.org/programs/housing-financial-counseling/
- https://fourdirectionsmaine.org/loans/community-development/
- https://fourdirectionsmaine.org/programs/small-business-counseling/
- https://fourdirectionsmaine.org/loans/
Questions to ask when you contact them
Based on what their website said when we read it on 29 Oct 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home repair loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your affordable housing development loans and nonprofit facility loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$15.8 million in 20 awards from the U.S. Treasury's CDFI Fund, 2001–2024 (6 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Native American CDFI Assistance (NACA), Financial Assistance | $2,000,000 |
| 2022 | CDFI Equitable Recovery Program | $1,121,674 |
| 2022 | Native American CDFI Assistance (NACA), Financial Assistance | $1,000,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Native American CDFI Assistance (NACA), Financial Assistance | $700,000 |
| 2019 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $550,000 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $745,500 |
| 2016 | Native American CDFI Assistance (NACA), Financial Assistance | $800,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $900,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $749,488 |
| 2012 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2011 | Native American CDFI Assistance (NACA), Financial Assistance | $725,000 |
| 2010 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $649,907 |
| 2009 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $877,550 |
| 2008 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $649,992 |
| 2007 | Native American CDFI Assistance (NACA), Technical Assistance | $138,876 |
| 2005 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $525,000 |
| 2004 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $855,000 |
| 2001 | CDFI Program, Technical Assistance | $57,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Sep 2023| Total assets | $15.6M |
|---|---|
| Total liabilities | $7.1M |
| Net assets | $8.6M |
| Total revenue | $2.6M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 01-0544468, filed as “FOUR DIRECTIONS DEVELOPMENT CORPORATION”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The filing shows no amount on the notes-and-loans line; a loan fund can report its loans on other balance-sheet lines, so this is not a loan figure. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Sep 2021 (990) | $13M | $7.5M | $2.5M | — |
| Sep 2022 (990) | $14.3M | $8.1M | $2.4M | $25,000 |
| Sep 2023 (990) | $15.6M | $8.6M | $2.6M | — |
Total assets grew 20% from Sep 2021 to Sep 2023. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $15.6M | Larger than 40% of the 5 other certified loan funds and venture funds in Maine with a matched Form 990 (median $27.3M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Maine | 5 | larger than 40% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Orono and Maine
- Acadia Federal Credit UnionCredit union · Fort Ken, MEAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- COMMUNITY CONCEPTS FINANCE CORPORATIONLoan fund · South Paris, MEMicroloans, Home mortgages, Small-business loansVerified
- Coastal Enterprises, Inc.Loan fund · Brunswick, MEAgriculture / farm loans, Child-care facility financing, Commercial real estate loans, Energy / solar / efficiency loans…Verified
- Genesis Fund, Inc.Loan fund · Brunswick, MEAffordable housing development loans, Nonprofit / community facility loansVerified
- MaineStream FinanceLoan fund · Bangor, MEHome mortgages, Small-business loansVerified
- Northern Maine Development CommissionLoan fund · Caribou, MEMicroloans, Small-business loansVerified
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