Home financing in Phillips County.
County-by-county financing guides. No paperwork. No social. No ID.
1 institutions are headquartered inside the Phillips County line, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Phillips County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 2
- DOORS HERE
- 1
- BASED HERE
- 36
- CO COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 4.5Kresidents of Phillips County
- Elsewhere in CO
- Denver County →16 doors — the biggest list of any other county in Colorado
- State
- Colorado →36 of 64 counties hold a door in this lane
- Holyoke Community Credit UnionPersonal · Home · Business capital
Based elsewhere, with a member-facing office inside the Phillips County line. You can walk in.
- Sterling Credit UnionPersonal · Home · Business capital
- AltCapSBA microlenderCommunity lending · Business capital
- Colorado Enterprise Fund, Inc.SBA microlenderCommunity lending · Business capital
- Community Enterprise Development ServicesSBA microlenderCommunity lending · Business capital
- HomesFundCommunity lending · Business capital
- Region 10 LEAP for Economic DevelopmentBusiness capital
- Region 9 Economic Development District of SW ColoradoBusiness capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Phillips County is a small, agricultural community on Colorado's northeastern plains, and buying a home here comes with its own set of opportunities and challenges. This guide walks you through what home financing looks like locally — from the kinds of loans available to the lenders and community organizations that actually serve this area. Whether you have a Social Security number, an ITIN, or you are just starting to build credit, there are real pathways here. Take your time, compare your options, and never feel pressured to sign anything you do not fully understand.
- 2
- DOORS HERE
- 37
- ACROSS CO
Based in Holyoke, Colorado. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Sterling, Colorado. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.The rules where you are.
None of this is set by a lender. Colorado sets it, and it applies the same in every county in the state — which is why it is worth knowing before you knock on any of the doors above.
- PROPERTY TAX0.49% effective
What Colorado charges every year on what the house is worth. No lender sets it and it does not go away when the loan does — it is part of the payment from day one.
- MEDIAN HOME, STATEWIDE$548K
The number an appraisal gets read against. A house well under it is often the loan a big bank does not want — which is exactly what the doors above are for.
- STATE INCOME TAX4.4% flat
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING105.5
National index, where 100 is the country's average. Under 100 means your money goes further here than it does nationally.
Sources: Tax Foundation 2025 · Census ACS 5-year 2023 · BEA/MERIC COLI 2024 · Zillow 2026-Q1. As of 2026-04.
The short version.
- 01
2 doors sit inside the Phillips County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
2 of them are credit unions — owned by their members rather than by shareholders, and used to reading a whole story instead of a score.
- 03
This page did not ask you for a name, an email, or a number, and nothing on it changes based on who you are.
- 04
36 of Colorado's 64 counties hold a door in this lane. If Phillips County does not have the one you need, the whole state is one click away.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN PHILLIPS COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN PHILLIPS COUNTY →36CO COUNTIES WITH DOORSThe whole stateEvery county in Colorado, in this same lane.37 institutions fund homes and repairs inside Colorado county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.