At a glance
From its website, read 2 Nov 2026NHS Lending, Inc. is a loan fund based in Boise, Idaho. Its website describes home mortgages. Where it lends: Ada and Canyon Counties (Boise area).
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (208) 258-6226 source |
|---|---|
| lending@nwboise.org source | |
| Website | www.nwboise.org |
| Office (official list) | P.O. Box 8223, Boise, ID 83707 |
What their website says about applying
Must work with NWB staff to income-qualify for the grant
sourceMust complete grant application and additional documentation
sourceHousehold must participate in a complimentary session with a NWB Housing Counselor
sourceDon't wait, contact NeighborWorks® Boise 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
Households must be at or below 80% Area Median Income (see chart below)
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) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | P.O. Box 8223, Boise, ID 83707 |
| Website | www.nwboise.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 5 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: low. The pages are for NeighborWorks Boise; the only lending product is a single mortgage mention, the home repair program is a grant, and no loan product pages were fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | Through grants, down payment assistance, shared equity investments, and low-cost mortgages, we work with homebuyers to provide the best housing solutions available. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Ada and Canyon Counties (Boise area)
Preserving homes in Ada and Canyon Counties by providing necessary repairs.
source
Counties this matches: Ada County, ID, Canyon County, ID
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. - 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. - 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$4.2 million in 8 awards from the U.S. Treasury's CDFI Fund, 1998–2021 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $845,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Financial Assistance | $375,000 |
| 2016 | CDFI Program, Financial Assistance | $500,000 |
| 2013 | CDFI Program, Financial Assistance | $600,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
| 2005 | CDFI Program, Financial Assistance | $256,800 |
| 1998 | CDFI Program, Financial Assistance | $720,000 |
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 | $4.6M |
|---|---|
| Total liabilities | $411,527 |
| Net assets | $4.2M |
| Total revenue | $328,840 |
| Notes and loans receivable, net (Part X line 7) | $2.6M |
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 82-0532242, filed as “NHS LENDING 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) | $6.1M | $5.4M | $1.5M | $2.9M |
| Dec 2022 (990) | $5.4M | $5M | $349,856 | $2.7M |
| Dec 2023 (990) | $4.6M | $4.2M | $328,840 | $2.6M |
Total assets fell 24% from Dec 2021 to Dec 2023; notes and loans receivable fell 9%. 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 | $4.6M | Larger than 22% of the 449 other certified loan funds and venture funds nationwide with a matched Form 990 (median $15.6M). |
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, nationwide | 449 | larger than 22% |
“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).
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- Nimiipuu Community Development FundLoan fund · Lapwai, ID · Native CDFIOfficial list only
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