Native American Mortgages White Paper

Exploring the Challenges and Opportunities for Mortgage Finance in Indian Country

This report, Exploring the Challenges and Opportunities for Mortgage Finance in Indian Country, examines mortgage lending to American Indian and Alaska Natives particularly activity on federally recognized reservation lands (“reservations”). The analysis touches on the historic and social factors that have helped create the constrained mortgage lending environment on reservation lands. In addition to barriers like geographic isolation, economic distress, and mistrust, which are often found in rural areas, these lands have a nonstandard land ownership situation and an extra layer of federal oversight, as well. A review of mortgage lending data for Native American borrowers confirms activity is constrained on reservations. Such activity includes low origination rates, high denial rates, and a high proportion of loans made for manufactured homes.

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Sponsored by The Wells Fargo Housing Foundation.


Native American Creative Placemaking

Native American Creative Placemaking

That “Placemaking was always known to Native Americans” undergirds a new “Native American Creative Placemaking” report from HAC. The report examines a handful of established Native American creative placemaking efforts while offering a first of its kind interactive map of Native American creative placemaking projects. The paper also notes funding sources and emphasizes that placemaking “offers Native people on opportunity to reconnect with their traditional ways of life” as an antidote to injustices including forced assimilation, trauma in boarding schools, and extreme poverty.The paper encourages tribal leaders to establish a voice for Native Nations in placemaking efforts in the United States.

In 2016-2017, HAC took on a National Endowment for the Arts funded creative placemaking partnership with bcWORKSHOP aimed at sharing placemaking resources with HAC’s rural partners across the country.


Sponsored by The Wells Fargo Housing Foundation.