What Native Community Capital does

Native Community Capital (NCC) is a 501c3 tax-exempt Native Community Development Financial Institution (CDFI) and licensed mortgage lender in New Mexico and Arizona (NMLS ID 1950947), certified by the U.S. Department of Treasury. The organization was formed in 2019 through the merger of three previously independent Native CDFIs — a strategy led by current CEO Dave Castillo to combine talent, assets, and markets in pursuit of closing the financial gap between tribes and the conventional financial sector. NCC serves enrolled members of federally recognized tribes, tribes and tribal enterprises, and American Indian entrepreneurs primarily across the Southwest U.S. (Arizona, New Mexico, California, Hawaii, and Oklahoma), with select programs expanded nationwide in 2024.

NCC's product portfolio spans mortgage lending (purchase, construction, refinance, and debt consolidation), commercial lending (small business loans under the BIA Loan Guaranty program, pre-development financing up to $1MM, and bridge loans for tribal construction projects facing federal disbursement delays), and grant administration. The flagship program is the Navajo Homeowner Assistance Fund (NHAF), a federally funded stimulus program under American Rescue Plan Act Section 3206, which has deployed $17.9M+ in grants to 365 homeowners since 2021 across Mortgage Principal Reduction Assistance, Mortgage Reinstatement Assistance, Home Repair Assistance, and Clear Title Assistance. Loan products follow HUD 184 Loan Guarantee terms and require financial literacy classes plus credit counseling for the debt consolidation tier.

The business model is non-profit community lending: NCC retains revenue from loan origination fees (e.g., 2.5% on debt consolidation), interest income on its owned loan portfolio, and program administration fees, with all surpluses reinvested back into the community rather than distributed. GTM is community-led and direct-to-consumer — combination of in-person info sessions, Facebook Live events, a 43,000+ follower Facebook channel, and digital advertising targeted at Southwest tribal communities. Core technology is described as traditional; there is no proprietary platform or AI-driven underwriting layer. Pricing for individual loans ranges from $10,000 unsecured debt consolidation loans at 8%-12%+ to $1MM pre-development facilities at 4%-6%. The organization is governed by a volunteer board and managed by a roughly 12-person team split between Laguna, NM (HQ) and Tempe, AZ (regional office).

Name

Native Community Capital

Legal name

Native Community Capital

Website

https://nativecap.org

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Native Community Capital is a 501c3 Native Community Development Financial Institution offering mortgages, small business loans, and federal grant administration primarily to enrolled Navajo Nation members and tribes across the Southwest United States.

Ownership category

akta.pro rank

Headquarters

HQ city

Tempe

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Loan Interest and Fees: As a 501c3 tax-exempt organization, NCC generates revenue through loan interest, origination fees, servicing fees, and other loan-related charges. All fees and revenues are reinvested into the organization to make more capital available or to support technical assistance for Native clients.
2. NHAF Program Administration: NCC manages the Navajo Homeowner Assistance Fund, a federal stimulus-funded program deploying grants to eligible Navajo homeowners. This is a grant management role rather than revenue-generating.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Native Community Capital is a 501c3 tax-exempt Native Community Development Financial Institution (CDFI) that provides home loans, construction loans, refinance loans, debt consolidation loans, small business loans, pre-development financing, and bridge loan financing to enrolled members of federally recognized tribes and tribal enterprises. It also administers the Navajo Homeowner Assistance Fund (NHAF), a federal stimulus-funded grant program delivering mortgage principal reduction, mortgage reinstatement, home repair, and clear title assistance to Navajo homeowners affected by COVID-19.

Product overview

Native Community Capital is a Native Community Development Financial Institution (CDFI) providing a portfolio of financial products and services tailored for Native American communities, particularly on tribal lands. The core offerings include mortgage loans (purchase, construction, refinance), debt consolidation, small business loans, pre-development financing, and bridge loan financing for tribal construction projects. The flagship program is the Navajo Homeowner Assistance Fund (NHAF), a federal stimulus-funded grant program offering Mortgage Principal Reduction Assistance (MPRA), Mortgage Reinstatement Assistance (MRA), Home Repair Assistance (HRA), and Clear Title Assistance (CTA) to help Navajo homeowners maintain homeownership through September 30, 2026. Products primarily serve enrolled members of federally recognized tribes in the Western U.S. (Arizona, New Mexico, and surrounding states), following HUD 184 Loan Guarantee program guidelines.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Loan Loans for the purchase of new or existing homes including manufactured homes on or off tribal lands, with terms following HUD 184 Loan Guarantee program guidelines. Available to eligible Native American borrowers with down payment and closing cost assistance.
• Construction Loan Loans for construction of new homes or rehabilitation/additions to existing homes on or off tribal lands. May be paired with longer-term mortgage financing.
• Refinance Loan Rate/Term Refinance, Cash Out Refi, or Streamline Refinances allowing for debt consolidation, home improvement, or equity cash out for eligible Native American borrowers.
• Debt Consolidation Loan One-time debt consolidation loan for applicants who do not immediately qualify for home or small business loans, available upon completion of financial literacy class and credit counseling. Maximum $10,000, up to 60 months term, 8%-12%+ rates, 2.5% origination and other fees.
• Small Business Loan Loans for existing businesses based on BIA Loan Guaranty/Loan Insurance Programs eligibility. Amounts $10,000-$250,000, 80% LTV/DCR, 4%-8% rates, with annual servicing and BIA fees.
• Pre-Development Financing Limited to experienced developers with approved allocation of tax credits or other financing where pre-development financing is retired with tax credit equity or other assured funding. Maximum $1MM, 24-month term, 4%-6% rates, 100% LTV, 1.5% origination and draw fees.
• Bridge Loan Financing Provides solutions for tribal construction projects when federal approval and disbursement delays threaten timely project completion. Tribal Council pledge of federal funding as repayment source is required.
• Navajo Homeowner Assistance Fund (NHAF) Federal stimulus fund program (American Rescue Plan Act Section 3206) offering financial assistance to Navajo homeowners affected by COVID-19 to maintain homeownership through September 30, 2026. Includes Mortgage Principal Reduction Assistance, Mortgage Reinstatement Assistance, Home Repair Assistance, and Clear Title Assistance sub-programs.

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Navajo NationcoreStrategic or Co-development Partner · 29 March 2024On March 29, 2024, President Dr. Buu Nygren approved program changes to allow NHAF to assist Navajo Nation members in all 50 states, on and off tribal trust lands.
• Navajo Office of the President and Vice-PresidentcoreStrategic or Co-development Partner · 1 January 2021NCC was selected by the Navajo Office of the President and Vice-President to manage the Navajo Homeowner Assistance Fund, deploying federal stimulus funds to eligible Navajo homeowners.
• Tribal GovernmentscoreStrategic or Co-development PartnerNCC partners with tribal governments for community and economic development financing, providing technical support and financing for borrowers.
• Native-Led Business IncubatorsminorGTM or Marketing PartnerNCC partners with Native-led business incubators to support new capital formation and provide referrals for small business financing.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Oweesta Corporation: Oweesta is the leading Native CDFI intermediary, providing capital, training, and technical assistance to Native CDFIs across the U.S. It is the most direct peer to NCC given shared Treasury-certified Native CDFI status, focus on tribal lending capacity building, and serving overlapping tribal communities.
• Lakota Fund: Lakota Fund is a Native CDFI on the Pine Ridge Reservation providing small business loans and technical assistance to Native entrepreneurs. It is a direct peer as a tribal-specific, non-bank CDFI lender with overlapping product set (small business, consumer) and similar federal program administration role.
• Wind River Development Fund: Wind River Development Fund is a Native CDFI serving the Eastern Shoshone and Northern Arapaho tribes with small business and home loans. Comparable to NCC as a reservation-based Native CDFI lender offering BIA-guaranteed and HUD 184-style products.
• Four Directions Community Development Corporation: Four Directions CDC is a Native CDFI providing mortgage, small business, and consumer lending to tribal members across multiple states. Direct peer to NCC given shared product suite, HUD 184 reliance, and Treasury-certified Native CDFI status.
• Hawaiian Community Assets: Hawaiian Community Assets is a Native CDFI serving Native Hawaiians with homeownership counseling, lending, and financial capability programs. Comparable as an indigenous CDFI lender with similar consumer/home loan focus and federal grant administration experience (e.g., HAF-style programs).
• First Nations Development Institute (CDFI arm): First Nations operates grantmaking and CDFI-support programs for Native communities; its loan and capacity-building work overlaps NCC's mission of deploying capital to tribal economies and individual Native borrowers.
• Mazaska Owecaso Otipi Financial: Mazaska (formerly Black Hills Community Loan Fund) is a Native-led CDFI serving Pine Ridge and surrounding communities with mortgage, small business, and consumer lending. Directly comparable Native CDFI peer with similar product mix and HUD 184 / BIA loan programs.

Broad incumbents

• Fahe: Fahe is a large nonprofit CDFI network focused on housing and community development in Appalachia. Comparable to NCC as a nonprofit, Treasury-certified CDFI delivering mortgage, small business, and community development lending, though operating in a different (non-tribal) geography and at much greater scale.
• Local Initiatives Support Corporation (LISC): LISC is a large national CDFI supporting housing, small business, and community development. Overlaps NCC in mission and nonprofit CDFI structure, and participates in tribal community development financing, but operates across broad geographies rather than specializing in tribal lending.
• Enterprise Community Partners: Enterprise is a national nonprofit CDFI and affordable housing organization. Comparable in being a mission-driven, federally partnered lender focused on affordable housing and community development, with a tribal and rural programs portfolio that overlaps NCC's housing focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NativeCommunityCapital
• LinkedInlinkedin.com/company/native-capital-access

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Native Community Capital