Home financing in Dukes County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Dukes County line. We do not hide that — below are the doors that serve it from the rest of Massachusetts.
Not this lane? Business FinancingPersonal Financing
No institution is headquartered inside the Dukes County line.
That is not a gap in this page, and it is not unusual: 12 of Massachusetts's 14 counties hold a door in this lane, and Dukes County is not one of them. What does serve it is below, by name and by town.
The doors in Dukes 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.
- 11
- DOORS HERE
- 0
- BASED HERE
- 12
- MA COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 21Kresidents of Dukes County
- Elsewhere in MA
- Suffolk County →31 doors — the biggest list of any other county in Massachusetts
- Doors
- 11serving this county · none inside the line
- ITIN
- 3take an ITIN instead of a social security number
- State
- Massachusetts →12 of 14 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.
Common Capital, Inc. · Cooperative Fund of the Northeast, Inc.They will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Mission Asset Fund · Accion Opportunity Fund- Common Capital, Inc.SBA microlenderCommunity lending · Business capital
- Cooperative Fund of the Northeast, Inc.Community lending · Business capital
- Dorchester Bay Neighborhood Loan Fund, Inc.SBA microlenderCommunity lending · Business capital
- Grow America Fund, Inc.Community lending · Business capital
- NDC Community Impact Loan FundCommunity lending · Business capital
- IN THIS LIST
6 of the 11 doors that serve this county are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- North Central Massachusetts Development CorporationSBA microlenderCommunity lending · Business capital
- Community Teamwork, Inc.Business capital
- Jobs for Fall River Inc.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 the 11 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
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.
Who actually approves home loans in Dukes County.
home-purchase applications that reached a decision were turned down: 10 of 67.
- Applications
- 89
- Loans made
- 57
- Median rate
- 6.6%
- Too much debt for the income20%
- Application left incomplete20%
- The home's value or condition10%
- Rockland Trust331729.2%6.4%
- Baycoast Mortgage20170%6.5%
- The Cape Cod Five Cents Savings Bank281417.6%7.6%
- Crosscountry Mortgage1290%7.1%
- United Shore Financial Services9625%6.1%
- Citizens Bank9625%6.9%
- Ocmbc1060%7.6%
- Leader Bank740%—
- JPMorgan Chase Bank7320%—
- Rocket Mortgage8362.5%—
The 10 lenders that made the most home loans in Dukes County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (21.4%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Dukes County — which includes Martha's Vineyard and the Elizabeth Islands — has one of the most expensive housing markets in Massachusetts, shaped by seasonal tourism, a limited year-round housing supply, and a workforce that earns far less than property values suggest. This guide walks solo contractors, first-time buyers, and small real-estate investors through the financing options that realistically serve this community, with an emphasis on local credit unions, state-backed programs, and ITIN-friendly lenders. Federal programs like FHA and USDA are useful tools, but local intermediaries are the ones who understand the Vineyard's unique market and can help you get across the finish line.
- 11
- SERVE IT
- 56
- ACROSS MA
Based in Springfield, Massachusetts. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Watertown, Massachusetts. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Dorchester, Massachusetts. A CDFI — a mission lender, not a branch network. It is measured on who it reaches, which is why a thin file is not the end of the conversation. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Boston, Massachusetts. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Everything below is set by Massachusetts, and it reads the same in every county in it. Who opens the door is not: 3 of the 11 above will take an ITIN instead of a social security number.
The rules where you are.
None of this is set by a lender. Massachusetts 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 TAX1.14% effective
What Massachusetts 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$571K
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 TAX5.0% flat + 4% millionaire surtax
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING146.5
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
No institution is based inside the Dukes County line, and we say so out loud: the 11 doors above serve it from outside.
- 02
6 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
3 will open an application with an ITIN instead of a social security number. There is no citizenship test at the door.
- 04
12 of Massachusetts's 14 counties hold a door in this lane. If Dukes County 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 DUKES COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN DUKES COUNTY →12MA COUNTIES WITH DOORSThe whole stateEvery county in Massachusetts, in this same lane.56 institutions fund homes and repairs inside Massachusetts 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.