At a glance
From its website, read 2 Nov 2026White Earth Investment Initiative is a loan fund based in Ogema, Minnesota. Its website describes auto loans, commercial real estate loans, equipment loans and 3 other loan types. 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 | (218) 902-2069 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.weii.website |
| Office (official list) | 407 Main St. E. P.O. Box 66, Ogema, MN 56569 |
What their website says about applying
To get started, complete and submit our application form below, along with your last three pay stubs or other income verification.
sourceTax returns for the past three years
sourceIf you’re interested in a State Small Business Credit Initiative loan, contact us using the online form below.
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.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home mortgages | Rate stated, not as an APR: see their wording | Up to $5,000 loan at 0% interest for purchase of owner-occupied principal residence | source |
| Commercial real estate loans | Term: up to 10 yr | Up to a 10-year term (may have longer amortization period with balloon payment due in ten years) | source |
| Equipment loans | Term: 3 yr–10 yr | 3- to 10-year term | source |
| Small-business loans | Term: up to 12 mo | 1-year term | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Collateral required
In most cases collateral and owner’s equity is required.
source - Homebuyer education required
Buyers must qualify for and receive a homebuyer education certificate
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 | Yes |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 407 Main St. E. P.O. Box 66, Ogema, MN 56569 |
| Website | www.weii.website |
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. Consumer loan amounts are 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 |
|---|---|---|---|
| Auto / vehicle loans | — | White Earth Investment Initiative offers affordable consumer loans* for the purchase of cars, mobile homes and other consumer credit needs, including debt consolidation. | source |
| Commercial real estate loans | — | commercial real estate, commercial lines of credit, equipment loans and other purposes. | source |
| Equipment loans | — | commercial real estate, commercial lines of credit, equipment loans and other purposes. | source |
| Home mortgages | up to $5,000 | Up to $5,000 loan at 0% interest for purchase of owner-occupied principal residence | source |
| Personal / consumer loans | — | White Earth Investment Initiative offers affordable consumer loans* for the purchase of cars, mobile homes and other consumer credit needs, including debt consolidation. | source |
| Small-business loans | $25,000 – $500,000 | WEII originates commercial loans from $25,000 to $500,000 for business expansion, commercial real estate, commercial lines of credit, equipment loans and other purposes. | source |
Loan sizes
WEII originates commercial loans from $25,000 to $500,000 for business expansion, commercial real estate, commercial lines of credit, equipment loans and other purposes.
sourceLoans of up to $1 million
sourceUp to $5,000 loan at 0% interest for purchase of owner-occupied principal residence
source
Service area
Not stated on the pages we read.
Borrower focus
- Native American / Alaska Native / Native Hawaiian
Businesses owned/controlled by Native Americans in Minnesota
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. To get started, complete and submit our application form below, along with your last three pay stubs or other income verification.
source
Pages read (7)
- https://www.weii.website/
- https://www.weii.website/home-loans/
- https://www.weii.website/business-loans/
- https://www.weii.website/consumer-loans/
- https://www.weii.website/business-loan-inquiry/
- https://www.weii.website/business-loans/small-business-credit-initiative-loans/
- https://www.weii.website/request-mailed-consumer-loan-application/?contact=Request%20Mailed%20Consumer%20Loan%20Application
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - 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 auto loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment 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 offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - 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$7.9 million in 13 awards from the U.S. Treasury's CDFI Fund, 2004–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $1,265,860 |
| 2022 | Native American CDFI Assistance (NACA), Financial Assistance | $550,000 |
| 2021 | CDFI Rapid Response Program | $1,650,000 |
| 2019 | Native American CDFI Assistance (NACA), Financial Assistance | $450,000 |
| 2018 | Native American CDFI Assistance (NACA), Financial Assistance | $550,000 |
| 2015 | Native American CDFI Assistance (NACA), Financial Assistance | $900,000 |
| 2013 | Native American CDFI Assistance (NACA), Financial Assistance | $500,000 |
| 2012 | Native American CDFI Assistance (NACA), Financial Assistance | $149,601 |
| 2011 | Native American CDFI Assistance (NACA), Financial Assistance | $725,000 |
| 2009 | Native American CDFI Assistance (NACA), Financial Assistance | $590,000 |
| 2007 | Native American CDFI Assistance (NACA), Financial Assistance | $269,500 |
| 2006 | Native American CDFI Assistance (NACA), Technical Assistance | $117,300 |
| 2004 | Native American CDFI Assistance (NACA), Technical Assistance | $156,500 |
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 | $12.3M |
|---|---|
| Total liabilities | $4.2M |
| Net assets | $8.1M |
| Total revenue | $893,097 |
| Notes and loans receivable, net (Part X line 7) | $9.1M |
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 01-0732253, filed as “WHITE EARTH INVESTMENT INITIATIVE”), 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) | $10M | $6.6M | $842,753 | $4.8M |
| Dec 2022 (990) | $11.7M | $8M | $2.2M | $8M |
| Dec 2023 (990) | $12.3M | $8.1M | $893,097 | $9.1M |
Total assets grew 23% from Dec 2021 to Dec 2023; notes and loans receivable rose 88%. 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 | $12.3M | Larger than 26% 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 26% |
“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 Ogema and Minnesota
- 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
- First Children's FinanceLoan fund · Minneapolis, MNChild-care facility financing, Small-business loansVerified
- Greater Minnesota Housing FundLoan fund · St. Paul, MNAffordable housing development loansVerified
- Habitat for Humanity of Minnesota, Inc.Loan fund · St. Paul, MNVerified
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