Home financing in Orange County.

County-by-county financing guides. No paperwork. No social. No ID.

8 institutions are headquartered inside the Orange County line, Orlando included, and 14 more keep a branch here. Below, we say which is which.

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Not this lane? Business FinancingPersonal Financing

In this county22DOORS INSIDE THE COUNTY LINE

8HEADQUARTERED HERE

20FUND THIS LANE HERE

6OF THOSE, CDFI-CERTIFIED

THE DIRECTORY

The doors in Orange 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.

THE MAP OF DOORSFlorida

Orange County

22: DOORS HERE
8: BASED HERE
62: FL COUNTIES WITH DOORS

At a glance

Lane: Home Financing
County: Orange County · 1.4M residents
State: Florida →
Covers: Orlando
Institutions: 2522 inside the county line · 8 headquartered here

LEER ESTO EN ESPAÑOL

No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

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.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Orange County8

Fairwinds Credit UnionOrlando · Credit union
Personal · Home · Business capital
Local 606 Electrical Workers Credit UnionOrlando · Credit union
Personal · Home
Mccoy Credit UnionOrlando · Credit union
Personal · Home · Business capital
Orlando Credit UnionCDFI-certifiedOrlando · Credit union
Personal · Home · Business capital
Priority Credit UnionCDFI-certifiedOrlando · Credit union
Personal · Home · Business capital
IN THIS LIST
8 of the 25 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Unity of Eatonville Credit UnionMinority depositoryEatonville · Credit union
Personal · Home
Black Business Investment Fund, Inc.SBA microlenderOrlando · CDFI loan fund
Community lending · Business capital
Florida Community Loan FundOrlando · CDFI loan fund
Community lending · Business capital

Keeps a branch in Orange County14

Based elsewhere, with a member-facing office inside the Orange County line. You can walk in.

Addition Financial Credit UnionLake Mary · Credit union
Personal · Home · Business capital
Adventhealth Credit UnionAltamonte Sprin · Credit union
Personal · Home · Business capital
Dfcu Financial Credit UnionDearborn · Credit union
Personal · Home · Business capital
Ent Credit UnionColorado Spring · Credit union
Personal · Home · Business capital
First Florida Credit UnionJacksonville · Credit union
Personal · Home · Business capital
NO SOCIAL SECURITY NUMBER
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
Insight Credit UnionWinter Springs · Credit union
Personal · Home · Business capital

Show the other 8Show fewer

Midflorida Credit UnionLakeland · Credit union
Personal · Home · Business capital
Partners Credit UnionBurbank · Credit union
Personal · Home · Business capital
Platinum Credit UnionMinority depositoryDuluth · Credit union
Personal · Home · Business capital
Self-Help Credit UnionCDFI-certifiedMinority depositoryDurham · Credit union
Personal · Home · Business capital
Space Coast Credit UnionMelbourne · Credit union
Personal · Home · Business capital
Suncoast Credit UnionCDFI-certifiedTampa · Credit union
Personal · Home · Business capital
Usf Federal Credit UnionCDFI-certifiedTampa · Credit union
Personal · Home · Business capital
Vystar Credit UnionCDFI-certifiedJacksonville · Credit union
Personal · Home · Business capital

National — works with an ITIN3

Mission Asset FundAccepts ITINSan Francisco · National nonprofit lender
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal
Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
Grameen AmericaAccepts ITINNew York · National nonprofit lender
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital

A modest house in warm evening light — OPEN DOORS IN ORANGE COUNTY3 minority depositories

THE GUIDE

Orange County, Florida is one of the fastest-growing housing markets in the Southeast, fueled by tourism, construction, healthcare, and a large immigrant workforce. Whether you're buying your first home, refinancing, or investing in a small rental property, there are real local options beyond big banks — including ITIN-friendly lenders, community development financial institutions, and credit unions that understand Orange County's economy. This guide walks you through what home financing is, who qualifies, what documents you'll need, and which local organizations can actually help you.

WHO SAYS YES HERE

8CDFIs

Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.

Orlando Credit Union · Priority Credit Union

20Credit unions

Owned by their members, not by shareholders. They look at your whole story rather than a score, and that is the difference when a bank says no.

Addition Financial Credit Union · Adventhealth Credit Union

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid out

Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN ORANGE COUNTY →

A porch at dusk, string lights on, two chairs pulled up

Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN ORANGE COUNTY →62FL COUNTIES WITH DOORSThe whole stateEvery county in Florida, in this same lane.109 institutions fund home financing inside Florida county lines.OPEN THE STATE →

The Florida counties with the most doors of this kind

Miami-Dade County18 doors Hillsborough County18 doors Broward County17 doors Pinellas County14 doors Leon County14 doors Duval County13 doors Palm Beach County11 doors Pasco County11 doors

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Answered in English and SpanishNo account. No name.3,143 counties · 3,532 institutions