Section 184 Loan Lenders List

List Of Section 184 Loan Lenders for 2023

Section 184 Loans / By / January 24, 2023

The Section 184 Native American Home Loan is a powerful tool for homeownership. It requires a low down payment, inexpensive mortgage insurance, and has no official credit score minimum.

But the most important part: it can be used on or off reservation land.

However, one drawback is that there are only around 140 lenders nationwide that offer the Section 184 Loan. Compare that with thousands that offer FHA loans.

That’s why we created a full list of lenders that offer the program, states they operate in, and a link to their website.

In this article:

Full List of Section 184 Loan Lenders

This list is as of January 4, 2023, as reported by HUD. Lenders change programs and states often, so be sure any lender you contact operates in your state.

Note that the below are not affiliate links – they are just there to be helpful. We don’t endorse any lender. Shop around for the lender that suits your needs.

Section 184 Approved LendersPhone States
1st Capital Mortgage LLC918-274-1519OK
Academy Mortgage Corporation800-660-8664AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Alaska USA Federal Credit Union800-525-9094AK, AZ, CA, WA
Alaska USA Mortgage Company800-737-3033AK, CA, WA
All State Homes / Xcellerate Home Loans559-475-0583CA
American Bank of Oklahoma918-686-7300AR, AZ, OK
American Financial Network Inc888-636-7573CA, FL, ID, NV, OK, TX, UT, WI
American Mortgage Bank, LLC405-283-8800AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MA, MI, MN, MS, MO, MT,NE, NV, NM, NY, NC, ND, OK, OR, RI, SC,SD, TX, UT, VA, WA, WI, WY
American Pacific Mortgage503-550-2662All States
American United Federal Credit Union358-270-8742CA, UT
AmeriFirst Financial Inc.877-276-1974AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Armstrong Bank888-680-2655AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MA, MI, MN, MS, MO, MT,NE, NV, NM, NY, NC, ND, OK, OR, RI, SC,SD, TX, UT, WA, WI, WY
Arvest Bank866-952-9523AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MA, MI, MN, MS, MO, MT,NE, NV, NM, NY, NC, ND, OK, OR, RI, SC,SD, TX, UT, WA, WI, WY
Associated Mortgage Corp800-725-5262OK
AVB Bank918-251-9611OK
Axia Financial, LLC855-355-2942AZ, CA, OK, WA
BancFirst877-602-2262OK
Bank of Albuquerque866-910-5218AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Bank of Cherokee County918-772-2572AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Bank of Commerce800-324-8003OK
Bank of England888-639-2517All States
Bank of Oklahoma (BOKF NA)800-234-6181All States
Bay Bank920-490-7600AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MA, MI, MN, MS, MO, MT,NE, NV, NM, NY, NC, ND, OK, OR, RI, SC,SD, TX, UT, WA, WI, WY
Bay Equity LLC800-BAY-3703AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
BCK Capital Inc. / All Season’s Mortgage541-850-9020OR
Broker Solutions, Inc800-450-2010AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
CalCon Mutual Mortgage888-488-3807All States
Caliber Home Loans855-808-2124AK, AZ, CA, MI, OK, OR, WA
Capital Mortgage, LLC208-854-7800ID, OR
Cascade Northern Mortgage360-882-0802OR, WA
Cascade Residential Mortgage503 892-0011OR, WA
Centennial Home Mortgage, LLC405-615-0146CA, FL, KS, OK
Champion Home Loans405-716-4565OK
Cherry Creek Mortgage303-320-4040AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Chickasaw Community Bank405-949-7000All States
Churchill Mortgage888-562-6200AK, AZ, ID, MT, NV, OR, UT, WA
Citizens Bank of Ada580-332-6100AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Citywide Mortgage405-794-4412OK
Click n’ Close / 1st Tribal Lending866-235-4033All States
Clift Enterprises, Inc. / Clift Mortgage360-683-4848WA
CMG Financial925-983-3000All States
Cook Inlet Lending Center907-793-3058AK
Cornerstone Home Lending877-621-4663All States
Cross Country Mortgage877-351-3400AZ, CA, FL, IL, MI, OK, TX
DHI Mortgage Company, LTD800-315-8434AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Diversified Lending Group / Cross Timbers Mortgage405-233-4321OK
Eagle Bank406-883-2940All States
Edge Home Finance Corporation763-219-8484AL, AZ, CA, CO, FL, MA, MI, MO, NC, ND,NM, OK, SC, TX, VA, WA, WI
Everett Financial, Inc / Supreme Lending877-350-5225All States
Evergreen Moneysource Mortgage Company877-242-2014AZ, CA, CO, FL, ID, KS, LA, MN, MT, NV,OR, TX, WA, WY
Exchange Bank and Trust Co405-742-0202All States
F&M Bank Mortgage -Yukon Mortgage405-348-0300All States
Fairway Independent Mortgage608-837-4800AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
FBC Mortgage LLC407-872-3383AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
First American Mortgage Inc405-354-0426OK
First National Bank & Trust Co.405-275-8830AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
First National Bank of Alaska907-777-4362AK
First New Mexico Bank of Silver City575-388-3121All States
First Oklahoma Mortgage, LLC918-392-2500OK
First Pryority Bank800-462-7032OK
First United Bank and Trust Co800-924-4427AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MA, MI, MN, MS, MO, MT,NE, NV, NM, NY, NC, ND, OK, OR, RI, SC,SD, TX, UT, WA, WI, WY
Firstar Bank918-681-7100AR, OK
FirstTrust Home Loans, Inc.870-942-5050AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MA, MI, MN, MS, MO, MT,NE, NV, NM, NY, NC, ND, OK, OR, RI, SC,SD, TX, UT, WA, WI, WY
Flat Branch Mortgage, Inc.866-508-4362AR, CO, FL, IA, IL, IN, KS, MN, NE, NM, OK,WA
Gateway First Bank877-764-9319All States
Geneva Financial, LLC888-889-0009AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MA, MI, MN, MS, MO, MT,NE, NV, NM, NC, OK, OR, RI, SC, SD, TX,UT, VA, WA, WI, WY
Grand Savings Bank918-786-2203AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Guaranteed Rate Inc866-934-7283AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Guardian One, LLC971-244-2389CA, OR, WA
Guild Mortgage Company800-688-7880All States
Highlands Residential Mortgage, LTD866-912-7511AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MA, MI, MN, MS, MO, MT,NE, NV, NM, NY, NC, ND, OK, OR, RI, SC,SD, TX, UT, WA, WI, WY
Home Mortgage Resource Inc918-458-0784OK
Homestar Financial Corp877-538-3393AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Homestate Mortgage Company LLC907-762-5890AK
Hometown Lenders Inc888-628-1414AL, AK, AZ, FL, MT, ND, NM, NV, OK, WA
Homewise, Inc505-955-7044CO, MS, NM, TX
Hunt Mortgage Services405-361-5172OK
Interlinc Mortgage Services LLC800-979-3340AL, AR, AZ, CO, FL, IA, IN, KS, LA, MI, MN,MS, NC, NE, NM, OK, SC, TX, VA, WI
Key Mortgage Group, Inc505-334-2510CO, NM
Lake Superior Community Development Corp.906-524-5445MI
LeaderOne Financial Corporation800-270-3416AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Legacy Mortgage LLC888-296-4747AZ, CO, NM, TX
Legend Lending Corporation888-820-2572AZ, MI
Lend Smart Mortgage LLC866-772-2503AL, AZ, CA, CO, FL, IA, ID, MI, MN, MT, NC,ND, NE, NM, OR, SC, SD, TX, UT, VA, WA,WI, WY
Lighthouse Financial Enterprises, Inc888-689-3042ID, OR, WA
LoanDepot888-337-6888All States
LRG Lending, Inc.916-758-8000CA
Lumbee Guaranty Bank910-521-9707NC
McClain County National Bank405-447-7283OK
MLD Mortgage Inc / The Money Store888-777-4706AL, AZ, AR, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MI, MN, MO, MT, NE, NV, NM,NY, NC, ND, OK, OR, RI, SC, TX, UT, VA,WA, WI, WY
Mortgage Brokers of Alaska Corp907-343-8898AK
NACDC Financial Services406-338-2099MT
Nations Reliable Lending, LLC713-275-1300All States
Nationwide Loans, Inc.800-540-3909CA
Native Partnership for Housing, Inc.505-722-0551AZ, NM
Neighborhood Mortgage877-385-8044AZ, WA
NEXA Mortgage, LLC833-391-3911AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN,IA, KS, LA, ME, MI, MN, MS, MO, MT, NE,NV, NM, NC, ND, OK, OR, RI, SC, SD, TX,UT, WA, WI, WY
NOVA Financial520-425-8514AZ, CA, CO, FL, IL, IN, NM, NV, OR, TX, UT,WA
Nuvision Federal Credit Union907-257-1601All States
On Q Financial866-667-3279AZ, CA, CO, FL, ID, MO, NC, ND, NV, OR,SC, TX, WA
Open Mortgage LLC888-602-6626All States
Pacific Residential Mortgage, LLC503-699-5626AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Powerhouse Mortgage & Realty / Your DarlingLender619-504-9983CA
Premier Mortgage Advisors505-830-9685CO, NM, TX
Premier Mortgage Resources LLC866-733-3700CA, ID, OR, WA
Price Mortgage Group, Inc405-413-5427AR, CA, CO, OK, TX, VA
Primary Residential Mortgage Inc.800-255-2792AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
PrimeLending800-317-7463AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Princeton Mortgage Corporation800-635-0977AK, AZ, AR, CA, CO, FL, ID, IL, IN, IA, KS,LA, ME, MA, MI, MN, MS, NE, NM, NC, OK,OR, RI, SC, TX, VA, WI
Raven Mortgage LLC833-997-2836AK, WA
RCB Bank855-226-5722AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
Resident Lending Group Inc503-589-1999OR
Residential Mortgage, LLC907-222-8800AK, OR, WA
RoundPoint Mortgage877-426-8805All States
Spirit Bank800-352-1171All States
Spurr Mortgage, Corp405-348-9919OK
Stride Bank, NA405-900-5433All States
Summit Funding Inc855-234-7561AL, AZ, AR, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NC, ND, OK, OR, SC, SD, TX, UT,WA, WI, WY
Sunflower Bank / Guardian Mortgage800-331-4799AL, AZ, AR, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, MA, MI, MN, MS, MO, MT, NE, NV,NM, NC, OK, OR, RI, SC, SD, TX, UT, VAWA, WI, WY
Sun West Mortgage Corp800-453-7884AL, AK, AZ, CA, CO, CT, FL, ID, IL, IN, IA,KS, LA, ME, MA, MI, MN, MS, MO, MT, NE,NV, NM, NY, NC, ND, OK, OR, RI, SC, SD,TX, UT, WA, WI, WY
The Central Trust Bank573-634-5600All States
The Turnkey Foundation / Arbor Financial866-639-6554AZ, CA, CO, FL, ID, IL, MI, MO, NV, OR, TX,UT, WA
Tongass Federal Credit Union907-225-9063AK
Triad Bank, NA918-254-1444All States
TTCU- The Credit Union918-749-8828All States
United Bank251-446-6000AL, AR, FL, LA, NC
United Fidelity Funding Corp.866-760-0600AR, MO, OK
Universal Lending Corp800-758-4063AZ, CO, IA, MT, NM, WY
US Mortgage Corporation631-580-2600All States
Valley Bank of Ronan, Corporation406-676-2000MT
VanDyk Mortgage Corporation616-940-3000All States
V.I.P. Mortgage, INC480-966-0919AL, AZ, AR, CA, CO, FL, ID, IL, IN, IA, KS,LA, MA, MI, MN, MT, NE, NV, NM, NC, OK,OR, SC, SD, TX, UT, WA, WI, WY
Vision Bank580-332-5132All States
Vision Mortgage, INC530-672-0106AK, CA, ID
Waterstone Mortgage Corporation800-354-1149AL, AZ, AR, CA, CO, ID, IL, IN, IA, ME, MA,MI, MN, NV, NM, ND, OR, RI, WA, WY
Woodlands National Bank888-532-4142IA, MN, ND, SD, WI
Xpert Home Lending833-449-7378AL, AR, AZ, CA, CO, FL, ID, IL, KS, MI, NC,NM, OR, SC, TX, VA, WA, WI
ZFG Mortgage LLC918-459-6530OK

I can’t find a lender in my state

Note that not every state and county in the U.S. is approved for Section 184 Loans. If you don’t see a lender in your state, it may be because your state is not eligible.

Section 184 Loan Eligible States
Image: HUD

States where every county is approved

AlaskaMaineNorth Dakota
ArizonaMassachusettsOklahoma
CaliforniaMichiganOregon
ColoradoMinnesotaSouth Carolina
FloridaMontanaSouth Dakota
IdahoNevadaUtah
IndianaNew MexicoWashington
KansasNorth CarolinaWisconsin

States with partial approval

StateApproved Counties and Cities
AlabamaBALDWIN, ELMORE, ESCAMBIA, MOBILE, MONROE, MONTGOMERY, WASHINGTON
ArkansasBENTON, CRAWFORD,HOWARD, LITTLE RIVER, LOGAN, MONTGOMERY, POLK, SCOTT, SEBASTIAN, SERVIER, WASHINGTON, YELL
ConnecticutFAIRFIELD, LITCHFIELD, NEW LONDON
IowaBLACK HAWK, LINN, MARSHALL, MONONA, POLK, POTTAWATTAMIE, POWESHIEK, TAMA, WOODBURY
IllinoisCOOK, DUPAGE, KANE, LAKE
LouisianaALLEN, AVOYELLES, CONCORDIA, EVANGELINE, GRANT, IBERIA, IBERVILLE, JEFFERSON DAVIS, LA SALLE, RAPIDES, SAINT MARY, WASHINGTON
MissouriBARRY, JASPER, LAWRENCE, MCDONALD, NEWTON,
MississippiATTALA, JACKSON, JASPER, JONES, KEMPER, LEAKE, NESHOBA, NEWTON, SCOTT, WINSTON
NebraskaBOYD, BURT, CUMING, DIXON, DOUGLAS, HALL, HOLT, KNOW, LANCASTER, MADISON, PLATTE, RICHARDSON, SARPY, SHERIDAN, STANTON, THURSTON, WAYNE
New YorkALL EXCEPT: BRONX, KINGS, NEW YORK, QUEENS, RICHMOND
Rhode IslandWASHINGTON
TexasEL PASO, HUDSPETH
VirginiaAMHERST, CAROLINE, CHARLES CITY, CITY OF CHESAPEAKE, CITY OF HAMPTON, CITY OF NEWPORT NEWS, CITY OF NORFOLK, CITY OF PORTSMOUTH, CITY OF RICHMOND, CITY OF SUFFOLK, CITY OF VIRGINIA BEACH, ESSEX, HANOVER, HENRICO, ISLE OF WIGHT, JAMES CITY, KING AND QUEEN, KING GEORGE, KING WILLIAM, LANCASTER, NEW KENT, RICHMOND, ROCKBRIDGE, SPOTSYLVANIA, STAFFORD
WyomingFREMONT, HOT SPRINGS

Ineligible States

DelawareNew HampshireTennessee
GeorgiaNew JerseyVermont
KentuckyOhioWest Virginia
MarylandPennsylvania

What to look for in a Section 184 lender

These loans can be complex and difficult to close. First and foremost, find a lending company that does these loans regularly. 

But finding a good company is not enough.

You also need an experienced loan officer. The best lending company in the world can’t make up for an inexperienced loan officer.

Ask your loan officer how many Section 184 loans he or she has done in the past three months. If less than three in three months, you might want to find someone else.

These loans consist of many moving parts. You need someone who can coordinate all parties to get your loan closed.

Related: Section 184 Loan Calculator

How do you qualify for a Section 184 Loan?

While these loans are easier to qualify for than most mortgages, you must still meet Section 184 Loan requirements. You must:

  • Be a member of a federally-recognized Indian Tribe
  • The Tribe must be approved by HUD to facilitate Section 184 Loans
  • Obtain a lease from the Tribe and Title Status Report from BIA if buying on reservation land
  • Have a credit score of around 580-620+
  • Make a 2.25% down payment
  • Pay Section 184 loan closing costs
  • Have a 43% debt-to-income ratio
  • Have adequate income and employment history
  • Intend to live in the house you’re buying
  • Buy in an eligible area
  • Meet other lender requirements

Section 184 Loan Lenders – FAQ

Why don’t more lenders offer Section 184 Loans?

Many lenders don’t offer Section 184 Loans because they take a lot of specialized knowledge to complete. The lender also needs HUD approval to offer them. Fortunately, there are approved lenders in every eligible state, so buyers have options when searching for the best rate and terms.

Are members of any Tribe eligible?

You must be an enrolled member of a Tribe that is HUD-approved for Section 184 Loans. If your Tribe is not on the list, ask Tribal Leadership to start the approval process with HUD. The process can be found here.

How do you get a Section 184 Loan?

You have to be an enrolled member of a Tribe that is approved for the program. You must buy in a state or county that is approved for the loan as well. If those qualifications are met, then you work with a lender to see if your income, credit, assets, and employment are adequate to qualify for the loan.

Many Section 184 Loan Lenders to choose from

Though this loan is not offered by every lender, there is still probably a good selection of lenders in your state.

Shop around for the best lender for you. And, remember that some lenders are more flexible than others. If you’re denied at one company, find another one.

You could be closer to owning a home than you think.

Source: HUD

Author

  • Tim Lucas

    Tim Lucas spent 11 years in the mortgage industry helping hundreds of mortgage clients from all walks of life, from first-time buyers to those buying multi-million dollar homes. He purchased his first home at 26 with just $1,100 out-of-pocket and now owns real estate worth $2.4 million. Tim was the managing editor at national websites TheMortgageReports.com, MyMortgageInsider.com, and Home.com. He combines hands-on experience with his editing background to bring unfiltered truth about mortgage topics. Tim has been featured in publications such as Time, U.S. News, MSN, and more. Connect with Tim on LinkedIn and Twitter.

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