Home financing in St Tammany Parish.
County-by-county financing guides. No paperwork. No social. No ID.
5 institutions are headquartered inside the St Tammany Parish line, and 7 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in St Tammany Parish.
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.
- 12
- DOORS HERE
- 5
- BASED HERE
- 43
- LA COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 265Kresidents of St Tammany Parish
- Elsewhere in LA
- Orleans Parish →28 doors — the biggest list of any other county in Louisiana
- State
- Louisiana →43 of 64 counties hold a door in this lane
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Epic Credit Union · Onpath Credit UnionOwned 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.
Cusa Credit Union · Epic Credit Union- Cusa Credit UnionPersonal · Home
- Noda Credit UnionPersonal · Home
- American Bancshares, Inc.Community lending
- S T S P Credit UnionPersonal
- St. Tammany Credit UnionCDFI-certifiedPersonal
Based elsewhere, with a member-facing office inside the St Tammany Parish line. You can walk in.
- Epic Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Keesler Credit UnionPersonal · Home · Business capital
- Onpath Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- Pelican Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Post Office Employees Credit UnionPersonal · Home · Business capital
- The New Orleans Firemen's Credit UnionPersonal · Home · Business capital
Show the other 1Show fewer
- Xplore Credit UnionPersonal · 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
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.
St. Tammany Parish, on Louisiana's north shore of Lake Pontchartrain, has a growing housing market with a mix of suburban neighborhoods, rural tracts, and coastal communities. Whether you are buying your first home in Covington, investing in a rental property near Mandeville, or rebuilding after a storm, there are real local options — including credit unions, CDFIs, and ITIN-friendly lenders — that can help you find financing that fits. This guide walks you through what home financing is, who qualifies locally, what documents to gather, and which institutions in the parish and region actually work with buyers like you.
- 12
- DOORS HERE
- 73
- ACROSS LA
Based in Metairie, Louisiana. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Metairie, Louisiana. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in. It is CDFI-certified, and it is a minority depository.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Baton Rouge, Louisiana. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score. It is CDFI-certified.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Metairie, Louisiana. 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.Everything below is set by Louisiana, and it reads the same in every county in it. The 12 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
None of this is set by a lender. Louisiana 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 TAX0.55% effective
What Louisiana 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$199K
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 TAX3.0% flat (2025)
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING91.4
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
12 doors sit inside the St Tammany Parish line. They are up the page, by name and by town — and none of them paid to be there.
- 02
5 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 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
43 of Louisiana's 64 counties hold a door in this lane. If St Tammany Parish 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 ST TAMMANY PARISH →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN ST TAMMANY PARISH →43LA COUNTIES WITH DOORSThe whole stateEvery county in Louisiana, in this same lane.73 institutions fund homes and repairs inside Louisiana 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.