At a glance
From its website, read 2 Nov 2026Neighborhood Housing Services of Duluth, Inc. is a loan fund based in Duluth, Minnesota. Its website describes home repair loans. Where it lends: Duluth, Superior and surrounding areas. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (218) 727-5372 source |
|---|---|
| Lending | (218) 206-9231 source |
| info@1roofhousing.org source | |
| Apply online | Page with the application link |
| Website | www.1roofhousing.org |
| Office (official list) | 12 East 4th St., Duluth, MN 55805 |
What their website says about applying
Call (218) 727-5372 and our Lending team would be happy to schedule time to help complete the application over the phone.
sourceYour bid(s) or project estimate(s) will be required to finalize your application.
sourceDocuments can be uploaded to your One Roof portal, emailed, mailed, or dropped off at our office.
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
- Homebuyer education required
Homebuyer Education Workshop
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 | No |
| Date certified (as listed) | 18 Aug 2015 |
| RSSD ID | — (none listed) |
| Address | 12 East 4th St., Duluth, MN 55805 Directions (Google Maps) |
| Website | www.1roofhousing.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. The pages are for One Roof Community Housing, which may not match the lender id name. 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 | — | One Roof Community Lending offers affordable loan programs for home improvements. | source |
Loan sizes
The maximum PAL amount is 18% of purchase price or $40,000 whichever is lower.
source
Service area
Duluth, Superior and surrounding areas
Our loans can assist homeowners in Duluth, Superior, and the surrounding areas at practically any income level.
source
Counties this matches: St. Louis County, MN
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start your application to find loan options that work best for you.
source
Pages read (6)
- https://1roofhousing.org/
- https://1roofhousing.org/homebuyers/downpayment-assistance/purchase-assistance-loans/
- https://1roofhousing.org/homeowners/loans/
- https://1roofhousing.org/homeowners/tool-lending-library/
- https://1roofhousing.org/homeowners/loans/make-loan-payments/
- https://1roofhousing.org/refinance-home-equity-loans/
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 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?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - 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. - 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$1.8 million in 5 awards from the U.S. Treasury's CDFI Fund, 2017–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $398,300 |
| 2020 | CDFI Program, Financial Assistance | $350,000 |
| 2019 | CDFI Program, Financial Assistance | $225,000 |
| 2018 | CDFI Program, Financial Assistance | $200,000 |
| 2017 | CDFI Program, Financial Assistance | $666,000 |
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 Dec 2023| Total assets | $6.7M |
|---|---|
| Total liabilities | $3.7M |
| Net assets | $3M |
| Total revenue | $702,309 |
| Notes and loans receivable, net (Part X line 7) | $4.6M |
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 41-1465688, filed as “NEIGHBORHOOD HOUSING SERVICES OF DULUTH 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) | $6.8M | $2.5M | $1.2M | $4.9M |
| Dec 2022 (990) | $6.5M | $3M | $1.1M | $4.1M |
| Dec 2023 (990) | $6.7M | $3M | $702,309 | $4.6M |
Total assets fell 2% from Dec 2021 to Dec 2023; notes and loans receivable fell 6%. 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 | $6.7M | Larger than 11% of the 19 other certified loan funds and venture funds in Minnesota with a matched Form 990 (median $21.7M). |
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 Minnesota | 19 | larger than 11% |
“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 Duluth and Minnesota
- Minnesota Power Employees Credit UnionCredit union · Duluth, MNAuto / vehicle loans, Small-dollar / emergency loans, Home mortgages, Small-business loansVerified
- Northeast Entrepreneur Fund, Inc.Loan fund · Duluth, MNCommercial real estate loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Northland FoundationLoan fund · Duluth, MNCommercial real estate loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- African Development CenterLoan fund · Minneapolis, MNMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- African Economic Development SolutionsLoan fund · St Paul, MNCredit-builder loans, Microloans, Small-business loansVerified
- Community Reinvestment Fund, IncLoan fund · Minneapolis, MNSmall-business loansVerified
Work at Neighborhood Housing Services of Duluth, Inc.? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.