At a glance
From its website, read 2 Nov 2026Neighborhood Housing Services of Orange County, Inc. is a loan fund based in Orange, California. Its website describes home mortgages. Where it lends: All of Orange County and portions of surrounding counties. 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
| Website | www.nwoc.org |
|---|---|
| Office (official list) | 1855 W. Katella Avenue Suite 340, Orange, CA 92867 |
What their website says about applying
Reach out to one of our experts and have them run the numbers for you
sourceConnect with one of our loan officers before you shop for a home.
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
- Low or damaged credit considered
we offer a variety of mortgage loans options that work with varying credit scores, down payment assistance programs, and all financial backgrounds
source - Homebuyer education required
we offer down payment assistance programs for qualified borrowers and the education courses required to meet the terms of those programs
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) | 25 Oct 2013 |
| RSSD ID | — (none listed) |
| Address | 1855 W. Katella Avenue Suite 340, Orange, CA 92867 Directions (Google Maps) |
| Website | www.nwoc.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 7 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: medium. Mortgage and reverse mortgage pages were fetched, but no loan amount ranges are stated and down payment assistance is not counted as a loan product. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | we offer a variety of mortgage loans options that work with varying credit scores, down payment assistance programs, and all financial backgrounds | source |
Loan sizes
No amounts stated on the pages we read.
Service area
All of Orange County and portions of surrounding counties
We broadened our reach to all Orange County and portions of the surrounding counties.
source
Counties this matches: Orange County, CA
Borrower focus
- Not stated on the pages we read.
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 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 mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - 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$3.8 million in 5 awards from the U.S. Treasury's CDFI Fund, 2002–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $650,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2003 | CDFI Program, Financial Assistance | $500,000 |
| 2002 | CDFI Program, Financial Assistance | $50,000 |
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 Jun 2023| Total assets | $35M |
|---|---|
| Total liabilities | $8.5M |
| Net assets | $26.5M |
| Total revenue | $4.4M |
| Notes and loans receivable, net (Part X line 7) | $12.4M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 95-3130152, filed as “NEIGHBORHOOD HOUSING SERVICES OF ORANGE COUNTY 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 |
|---|---|---|---|---|
| Jun 2021 (990) | $39.3M | $22.6M | $4.9M | $13.4M |
| Jun 2022 (990) | $39.3M | $25.4M | $6.4M | $12.4M |
| Jun 2023 (990) | $35M | $26.5M | $4.4M | $12.4M |
Total assets fell 11% from Jun 2021 to Jun 2023; notes and loans receivable fell 8%. 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 | $35M | Larger than 77% of the 47 other certified loan funds and venture funds in California with a matched Form 990 (median $18.6M). |
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 California | 47 | larger than 77% |
“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 Orange and California
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- American Nonprofits, Inc.Loan fund · Santa Cruz, CAVerified
- Apoyo Financiero Inc.Loan fund · Concord, CAPersonal / consumer loans, Small-business loansVerified
Work at Neighborhood Housing Services of Orange County, Inc.? Link to this page
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