ORIGENCAPITAL

Home financing in Union County.

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

No institution is headquartered inside the Union County line, but 1 keep an office open here. They are below, by name and by town.

Not this lane? Business FinancingPersonal Financing

In this county1DOORS INSIDE THE COUNTY LINE
THE DIRECTORY

The doors in Union 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.

Keeps a branch in Union County1

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

  • Community 1st Credit UnionCDFI-certifiedOttumwa · Credit union
    Personal · Home · Business capital
Serving all of Iowa2
  • Iowa Center for Economic SuccessDes Moines · SBA microloan intermediary
    Business capital
  • Iowa Foundation Microenterprise Community VitalityBoone · SBA microloan intermediary
    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
IN THIS LIST

1 of the 6 are CDFI-certified.

The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.

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.

A modest house in warm evening light
OPEN DOORS IN UNION COUNTY
THE GUIDE

This guide helps solo contractors, first-time buyers, and small real-estate investors in Union County, Iowa understand their home financing options. It covers who qualifies, what documents you need, which local lenders and community organizations actually serve this area, and what Iowa-specific rules apply. Whether you have a Social Security number or an ITIN, there are real paths to homeownership here — and this guide helps you find them without pressure or confusion.

WHO SAYS YES HERE
1CDFIs

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

Community 1st Credit Union
1Credit 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.

Community 1st Credit Union
IRIS AI

Still don't see your situation?

Ask Iris. She'll explain it the way it should have been explained the first time.

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