Home financing in Fayette County.
County-by-county financing guides. No paperwork. No social. No ID.
5 institutions are headquartered inside the Fayette County line, Lexington included, and 5 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Fayette 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.
- Greater Kentucky Cu, Inc.Personal · Home
- Lexington Postal Community Credit UnionPersonal · Home
- Metro Plus Credit UnionPersonal · Home
- University of Kentucky Credit UnionPersonal · Home · Business capital
- Community Ventures Corporation, Inc.SBA microlenderCommunity lending · Business capital
Based elsewhere, with a member-facing office inside the Fayette County line. You can walk in.
- Ashland Credit UnionPersonal · Home · Business capital
- Commonwealth Credit UnionPersonal · Home · Business capital
- Park Credit UnionPersonal · Home · Business capital
- Transcend Credit UnionPersonal · Home
- Y-12 Credit UnionCDFI-certifiedPersonal · Home · Business 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
2 of the 13 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
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.
Buying or investing in a home in Fayette County, Kentucky is very achievable, even if you are self-employed, have an ITIN instead of a Social Security Number, or are buying your first property. This guide walks you through how home financing works locally, which Lexington-area lenders and community organizations actually serve people like you, what paperwork you will likely need, and which warning signs to watch for. Origen Capital is a directory — we do not lend money or collect your information; we just help you find the right local door to knock on.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Y-12 Credit Union · Community Ventures Corporation, Inc.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.
Ashland Credit Union · Commonwealth Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN FAYETTE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN FAYETTE COUNTY →44KY COUNTIES WITH DOORSThe whole stateEvery county in Kentucky, in this same lane.40 institutions fund home financing inside Kentucky county lines.OPEN THE STATE →
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