Home financing in Shelby County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Shelby County line, but 1 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Shelby 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.
Based elsewhere, with a member-facing office inside the Shelby County line. You can walk in.
- Commonwealth Credit UnionPersonal · Home · Business capital
- Community Ventures Corporation, Inc.SBA microlenderCommunity lending · Business capital
- Human/Economic Appalachian Development CorporationCommunity lending · Business capital
- Kentucky Highlands Investment CorporationSBA microlenderCommunity lending · Business capital
- Redbud Financial Alternatives, Inc.Community lending · Business capital
- Mountain Association for Community Econ. Dev.Business capital
- IN THIS LIST
4 of the 11 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Purchase Area Development DistrictBusiness capital
- Southeast Kentucky Economic Dev. Corp. (SKED)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
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.
This guide helps solo contractors, first-time buyers, and small real-estate investors in Shelby County, Kentucky understand their home financing options. It highlights local lenders, credit unions, CDFIs, and Kentucky-specific programs that are more accessible than big-bank loans. Whether you have a Social Security number or an ITIN, there are real pathways to homeownership in the Shelbyville area. Take your time, compare your options, and work with trusted local intermediaries who know this county.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN SHELBY COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN SHELBY 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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