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About Us

Why 1st Tribal Lending

1st_tribal_logo1st Tribal Lending is comprised of the most experience HUD Section 184 lending team in the nation. Much of our staff has been in the HUD Section 184 industry for greater than ten years. Our underwriters were among the first in the nation to become approved to directly underwrite this loan product.

The 1st Tribal Lending team has successfully closed thousands of HUD Section 184 loans across the nation. Within this amazing volume of lending, loans on the reservation, off the reservation, site built construction, manufactured homes, and purchases on and off the reservation, and refinances for a multitude of purposes have been successfully funded. Some lenders do only one or two of these options. 1st Tribal can do them all!

Choice and Flexibility

If construction or renovation is your objective; our staff is ready and capable of handling a small renovation to a complete build from scratch. We can handle anything the program allows. Working with Tribes and the Bureau of Indian Affairs Offices is a specialty of ours. While other banks and lenders shy away from ‘on reservation’ lending, 1st Tribal Lending views it as a great part of our mission. The epicenter of the tribe is the reservation. With this in mind, we wish to help the tribe achieve and exceed its housing goals.


1st Tribal Lending is also committed to the Native American Tribal Members in urbanized areas. We continue to outreach to those Native American Tribal Members who are unaware they have access to this wonderful program. Thousands of tribal members have successfully purchased homes in urban areas using the HUD Section 184 loan.

Why use anyone else?

When considering our high level of experience, great customer service, and commitment and enthusiasm for serving the Native American population.

We at 1st Tribal Lending thank you for considering us for the most important task of creating your home.

The 1st Tribal Lending Team

1st Tribal Lending, a dba of Click N' Close Inc., NMLS 150009 (www.nmlsconsumeraccess.org) | Texas Consumer Complaint Disclosure Arizona Lic BK 091759; licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act Lic 4131103 and Finance Lenders Law Lic 603J732; regulated by the Colorado Division of Real Estate; Illinois Residential Mortgage Licensee MB.6850057; Kansas Licensed Mortgage Company MC.0025093; Massachusetts Lic ML150009; Oregon ML-5045; Washington Lic CL-150009.