At a glance
From its website, read 29 Oct 2026Native Community Capital is a loan fund based in Laguna, New Mexico. Its website describes affordable housing development loans, home mortgages, personal loans and 1 other loan type. Where it lends: Primarily New Mexico and Arizona, with some financing in California, Hawaii and Oklahoma; Southwest U.S. focus.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (505) 792-6544 source |
|---|---|
| Website | www.nativecap.org |
| Office (official list) | PO Box 176, Laguna, NM 87026 |
What their website says about applying
Request Eligibility & Application Material
sourceupon completion of a financial literacy class and credit counseling
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 29 Oct 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 8% – 12%+ | source |
| Loans (general) | Term: see their wording | 24 Months | source |
| Affordable housing development loans | Term: up to 2 yr | 24 Months | source |
| Personal / consumer loans | Term: see their wording | Up to 60 Months | 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
- Homebuyer education required
Enrolled status in a federally recognized tribe, homebuyer education class and other requirements for certain products
source - Training or counseling required
upon completion of a financial literacy class and credit counseling
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) | 25 Oct 2013 |
| RSSD ID | — (none listed) |
| Address | PO Box 176, Laguna, NM 87026 |
| Website | www.nativecap.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 4 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 |
|---|---|---|---|
| Affordable housing development loans | — | Pre-development financing is limited to experienced developers with an approved allocation of tax credits or other financing | source |
| Home mortgages | — | Loans for the purchase of new or existing homes including manufactured homes on or off tribal lands. | source |
| Personal / consumer loans | up to $10,000 | $10,000 Max | source |
| Small-business loans | $10,000 – $250,000 | $10,000 – $250,000 | source |
Service area
Primarily New Mexico and Arizona, with some financing in California, Hawaii and Oklahoma; Southwest U.S. focus
Since 2005 it has provided loans or technical assistance to tribes and Individual Native Americans primarily in New Mexico, Arizona and additional financing in California, Hawaii and Oklahoma.
source
Borrower focus
- Native American / Alaska Native / Native Hawaiian
provides technical assistance and financial capital in the form of loans to individual Native Americans, tribes, tribal enterprises, American Indian entrepreneurs and business owners
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
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 mortgages and personal loans?
Their website states a rate, but not as 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 small-business 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. - 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$4 million in 8 awards from the U.S. Treasury's CDFI Fund, 2010–2021 (CDFI Rapid Response Program; Native American CDFI Assistance (NACA), Financial Assistance; Native American CDFI Assistance (NACA), Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $659,270 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $420,000 |
| 2014 | Native American CDFI Assistance (NACA), Financial Assistance | $375,000 |
| 2012 | Native American CDFI Assistance (NACA), Technical Assistance | $149,995 |
| 2011 | Native American CDFI Assistance (NACA), Financial Assistance | $300,000 |
| 2010 | Native American CDFI Assistance (NACA), Technical Assistance | $148,577 |
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 2021| Total assets | $14M |
|---|---|
| Total liabilities | $6.2M |
| Net assets | $7.8M |
| Total revenue | $4.2M |
| Notes and loans receivable, net (Part X line 7) | $6M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2021 (tax year 2021; EIN 27-0735586, filed as “NATIVE COMMUNITY CAPITAL”), 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
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $14M | Larger than 38% of the 8 other certified loan funds and venture funds in New Mexico with a matched Form 990 (median $34.8M). |
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 New Mexico | 8 | larger than 38% |
“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 Laguna and New Mexico
- DreamSpringLoan fund · Albuquerque, NMCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- First Financial Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Guadalupe Credit UnionCredit union · Santa Fe, NMHome mortgages, Small-business loansVerified
- Homewise, Inc.Loan fund · Santa Fe, NMCommercial real estate loans, Home mortgagesVerified
- Northern New Mexico School Employees Federal Credit UnionCredit union · Santa Fe, NMAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Nusenda Credit UnionCredit union · Albuquerque, NMAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
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