At a glance
From its website, read 2 Nov 2026Mazaska Owecaso Otipi Financial, Inc is a loan fund based in Pine Ridge, South Dakota. Its website describes credit-builder loans, home repair loans, home mortgages and 1 other loan type. Stated loan amounts run from $500 to $150,000. Where it lends: Oglala Sioux Tribe members on or near Pine Ridge Reservation, and enrolled members of other federally recognized tribes in South Dakota. It says it considers borrowers with low or no credit history.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (605) 867-1018 source |
|---|---|
| Website | www.mazaskacdfi.org |
| Office (official list) | PO Box 1996, Pine Ridge, SD 57770 |
What their website says about applying
fill out and return the completed form to our office.
sourceComplete the loan application form and gather your supporting documentation, which may include:
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.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Credit-builder loans | Term: see their wording | Up to 2 years | source |
| Home repair / improvement loans | Term: see their wording | Up to 15 years | source |
| Home mortgages | Term: see their wording | Up to 30 years | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
Flexible credit standards
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) | 21 Aug 2026 |
| RSSD ID | — (none listed) |
| Address | PO Box 1996, Pine Ridge, SD 57770 |
| Website | www.mazaskacdfi.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 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Credit-builder loans | — | Credit Builder can help you build your credit. | source |
| Home repair / improvement loans | — | Use a home improvement loan to make repairs, improve energy efficiency or add features to accommodate elderly or disabled family members. | source |
| Home mortgages | — | Mazaska CDFI is a lending institution that offers mortgage and consumer loans and associated education opportunities. | source |
| Personal / consumer loans | — | Mazaska CDFI is a lending institution that offers mortgage and consumer loans and associated education opportunities. | source |
Loan sizes
Range used for the size filter: $500 to $150,000
Service area
Oglala Sioux Tribe members on or near Pine Ridge Reservation, and enrolled members of other federally recognized tribes in South Dakota
Mazaska serves members of the Oglala Sioux Tribe living on, or in communities adjacent to, the Pine Ridge Indian Reservation and enrolled members of other federally recognized tribes in South Dakota.
source
Borrower focus
- Native American / Alaska Native / Native Hawaiian
FOR NATIVE AMERICANS IN OUR SERVICE AREA
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://www.mazaskacdfi.org/
- https://www.mazaskacdfi.org/veterans-guide
- https://www.mazaskacdfi.org/post/native-cdfis-connect-indian-country-to-credit-and-capital
- https://www.mazaskacdfi.org/post/native-cdfis-bring-holistic-approach-to-assessing-credit-risk
- https://www.mazaskacdfi.org/services
- https://www.mazaskacdfi.org/post/mazaska-inc-successfully-closes-real-estate-transaction-with-pennington-title-company
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What is the APR, including fees, on your credit-builder loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Can I apply online, or do I need to call or visit?
We found no online application 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$13.2 million in 14 awards from the U.S. Treasury's CDFI Fund, 2007–2024 (5 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Native American CDFI Assistance (NACA), Financial Assistance | $2,400,000 |
| 2022 | CDFI Equitable Recovery Program | $1,156,791 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Native American CDFI Assistance (NACA), Financial Assistance | $883,300 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $1,088,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $1,005,000 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $941,333 |
| 2016 | Native American CDFI Assistance (NACA), Financial Assistance | $700,000 |
| 2015 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $708,000 |
| 2013 | Native American CDFI Assistance (NACA), Financial Assistance | $600,000 |
| 2012 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2009 | Native American CDFI Assistance (NACA), combined FA/TA (historic) | $870,153 |
| 2007 | Native American CDFI Assistance (NACA), Technical Assistance | $129,150 |
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 Dec 2023| Total assets | $13.3M |
|---|---|
| Total liabilities | $3.8M |
| Net assets | $9.5M |
| Total revenue | $2.1M |
| Notes and loans receivable, net (Part X line 7) | $7.2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 76-0761743, filed as “MAZASKA OWECASO OTIPI FINANCIAL INC”), 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 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 |
|---|---|---|---|---|
| Dec 2021 (990) | $10.4M | $7.4M | $2.3M | $5.6M |
| Dec 2022 (990) | $12.4M | $8.7M | $2.4M | $6.2M |
| Dec 2023 (990) | $13.3M | $9.5M | $2.1M | $7.2M |
Total assets grew 28% from Dec 2021 to Dec 2023; notes and loans receivable rose 28%. 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 |
|---|---|---|
| Largest loan its website states | $150,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 28% of these 184. |
| Total assets, latest IRS Form 990 | $13.3M | Larger than 0% of the 7 other certified loan funds and venture funds in South Dakota with a matched Form 990 (median $30.7M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 28% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in South Dakota | 7 | larger than 0% |
“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 Pine Ridge and South Dakota
- Akiptan, Inc.Loan fund · Eagle Butte, SD · Native CDFIAgriculture / farm loansVerified
- Coteau Valley Federal Credit UnionCredit union · Sisseton, SDAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Dakota ResourcesLoan fund · Renner, SDMicroloans, Nonprofit / community facility loansVerified
- Fort Randall Federal Credit UnionCredit union · Wagner, SDAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Equipment loans…Verified
- Four Bands Community Fund, IncorporatedLoan fund · Eagle Butte, SD · Native CDFIAgriculture / farm loans, Credit-builder loans, Home repair / improvement loans, Microloans…Verified
- Grow South DakotaLoan fund · Sisseton, SDHome mortgages, Small-business loansVerified
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