At a glance
From its website, read 2 Nov 2026Nixyaawii Community Financial Services is a loan fund based in Pendleton, Oregon. Its website describes home mortgages, personal loans and small-business loans. Where it lends: Umatilla Indian Reservation community: Tribal members, Reservation residents and Tribal employees and families. 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
| Main | (541) 304-2387 source |
|---|---|
| lending@nixyaawii-cdfi.org source | |
| Apply online | Page with the application link |
| Website | Nixyaawii-cdfi.org |
| Office (official list) | 46440 Kusi Rd A-3, Pendleton, OR 97801 |
What their website says about applying
Our electronic loan application is available, select the NCFS loan type from the options below.
sourceAll business loans require prequalification forms and $50 application fee paid for application to be processed.
sourceBecome a NCFS business client, complete Business Client Intake form!
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.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | Yes |
| Date certified (as listed) | 24 Dec 2021 |
| RSSD ID | — (none listed) |
| Address | 46440 Kusi Rd A-3, Pendleton, OR 97801 Directions (Google Maps) |
| Website | Nixyaawii-cdfi.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: high. The $1,800 figure is a minimum for new proceeds when adding to an existing consumer loan, not a general loan minimum. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | To assist Tribal members in acquiring a 99-year lease for homeownership at the Nixyaawii Neighborhood, NCFS has developed the Land Lease Loan. | source |
| Personal / consumer loans | — | Including Education loans, to enrolled members of the Confederated Tribes of the Umatilla Indian Reservation. | source |
| Small-business loans | — | New Small Business loan products are now live! | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Umatilla Indian Reservation community: Tribal members, Reservation residents and Tribal employees and families
We provide loans, homeownership assistance, business development services, youth and adult financial education to members of the Umatilla Confederated Tribes, Reservation residents, and Tribal employees and their families.
source
Borrower focus
- Native American / Alaska Native / Native Hawaiian
We are hyper-focused on assisting Native entrepreneurs gain the confidence, clarity, capital, and concentration to execute their business plan.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Our electronic loan application is available, select the NCFS loan type from the options below.
source
Pages read (7)
- https://www.nixyaawii-cdfi.org/
- https://www.nixyaawii-cdfi.org/new-lending-services
- https://www.nixyaawii-cdfi.org/youth-financial
- https://www.nixyaawii-cdfi.org/directory
- https://www.nixyaawii-cdfi.org/homeownership
- https://www.nixyaawii-cdfi.org/business-development
- https://www.nixyaawii-cdfi.org/directory/mission-music-productions
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 and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your 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. - 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$2.4 million in 3 awards from the U.S. Treasury's CDFI Fund, 2022–2025 (Native American CDFI Assistance (NACA), Financial Assistance; Native American CDFI Assistance (NACA), Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2025 | Native American CDFI Assistance (NACA), Technical Assistance | $200,000 |
| 2024 | Native American CDFI Assistance (NACA), Financial Assistance | $2,000,000 |
| 2022 | Native American CDFI Assistance (NACA), Technical Assistance | $150,000 |
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 | $7.9M |
|---|---|
| Total liabilities | $485,833 |
| Net assets | $7.4M |
| Total revenue | $1.5M |
| Notes and loans receivable, net (Part X line 7) | $4.8M |
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 83-3824520, filed as “NIXYAAWII COMMUNITY FINANCIAL SERVICES”), 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) | $6.5M | $5.8M | $5.8M | $3.9M |
| Dec 2022 (990) | $6.8M | $6.2M | $1.2M | $4.5M |
| Dec 2023 (990) | $7.9M | $7.4M | $1.5M | $4.8M |
Total assets grew 21% from Dec 2021 to Dec 2023; notes and loans receivable rose 23%. 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 | $7.9M | Larger than 33% of the 6 other certified loan funds and venture funds in Oregon with a matched Form 990 (median $14.9M). |
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 Oregon | 6 | larger than 33% |
“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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Work at Nixyaawii Community Financial Services? Link to this page
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