At a glance
From its website, read 2 Nov 2026Tiwa Lending Services is a loan fund based in Isleta, New Mexico. Its website describes credit-builder loans, small-dollar emergency loans, home repair loans and 3 other loan types. Where it lends: Isleta Pueblo tribal members and Native Americans in Bernalillo, Sandoval, Valencia and Cibola counties.
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) 916-0556 source |
|---|---|
| Website | tiwalending.org |
| Office (official list) | P.O. Box 902, Isleta, NM 87022 |
What their website says about applying
Applicant completes an application and obtains required income documentation. (e.g., 30-day paystubs, 2 years tax returns, and 2 months banking statements)
sourceApplicants must be members of a Federally Recognized Tribe – Proof of Tribal ID or Certificate of Indian Blood must be provided
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) | 30 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | P.O. Box 902, Isleta, NM 87022 |
| Website | tiwalending.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. Loan amounts and interest terms beyond the rate formula were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Credit-builder loans | — | The purpose of these loans is to create a good credit history for tribal members. | source |
| Small-dollar / emergency loans | — | Personal • Emergency • Credit Building • Debt Consolidation • Home Improvements • Micro Business • Schooling • Auto Repairs | source |
| Home repair / improvement loans | — | Personal • Emergency • Credit Building • Debt Consolidation • Home Improvements • Micro Business • Schooling • Auto Repairs | source |
| Microloans | — | We’ve been able to assist Isleta Tribal Members with Micro Business Loans through our Consumer Loan Program. | source |
| Home mortgages | — | Tiwa Lending Services provides competitive rates to build, purchase, renovate or refinance a home | source |
| Personal / consumer loans | — | Personal • Emergency • Credit Building • Debt Consolidation • Home Improvements • Micro Business • Schooling • Auto Repairs | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Isleta Pueblo tribal members and Native Americans in Bernalillo, Sandoval, Valencia and Cibola counties
Bernalillo, Sandoval, Valencia, & Cibola County
source
Counties this matches: Bernalillo County, NM, Cibola County, NM, Sandoval County, NM, Valencia County, NM
Borrower focus
- Native American / Alaska Native / Native Hawaiian
to Isleta Pueblo Tribal Members and Native Americans within approved counties.
source
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.tiwalending.org/
- https://www.tiwalending.org/loan-programs/consumer-loans/
- https://www.tiwalending.org/loan-programs/first-mortgages/
- https://www.tiwalending.org/loan-programs/small-business-loans/
- https://www.tiwalending.org/loan-programs/first-mortgages/on-isleta-pueblo/
- https://www.tiwalending.org/loan-programs/first-mortgages/outside-isleta-pueblo/
- https://www.tiwalending.org/loan-programs/do-i-qualify/
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 credit-builder loans and small-dollar emergency 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 microloans?
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$4.6 million in 8 awards from the U.S. Treasury's CDFI Fund, 2014–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,470,777 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2020 | Native American CDFI Assistance (NACA), Financial Assistance | $554,000 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $450,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $350,000 |
| 2017 | Native American CDFI Assistance (NACA), Financial Assistance | $665,500 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $750,000 |
| 2014 | Native American CDFI Assistance (NACA), Technical Assistance | $140,994 |
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 | $12.4M |
|---|---|
| Total liabilities | $3.3M |
| Net assets | $9.2M |
| Total revenue | $846,139 |
| Notes and loans receivable, net (Part X line 7) | $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 80-0742774, filed as “TIWA LENDING 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) | $11.9M | $8.5M | $986,567 | $8.2M |
| Dec 2022 (990) | $11.7M | $8.8M | $684,546 | $8.2M |
| Dec 2023 (990) | $12.4M | $9.2M | $846,139 | $8M |
Total assets grew 4% from Dec 2021 to Dec 2023; notes and loans receivable fell 2%. 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 | $12.4M | Larger than 25% 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 25% |
“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 Isleta 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
- Native Community CapitalLoan fund · Laguna, NM · Native CDFIAffordable housing development loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Northern New Mexico School Employees Federal Credit UnionCredit union · Santa Fe, NMAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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