Home financing in Oakland County.

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

15 institutions are headquartered inside the Oakland County line, and 15 more keep a branch here. Below, we say which is which.

See the 30 doors Ask a question

Not this lane? Business FinancingPersonal Financing

In this county30DOORS INSIDE THE COUNTY LINE

15HEADQUARTERED HERE

28FUND THIS LANE HERE

7OF THOSE, CDFI-CERTIFIED

THE DIRECTORY

The doors in Oakland 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.

THE MAP OF DOORSMichigan

Oakland County

30: DOORS HERE
15: BASED HERE
77: MI COUNTIES WITH DOORS

At a glance

Lane: Home Financing
County: Oakland County · 1.3M residents
State: Michigan →
Institutions: 3330 inside the county line · 15 headquartered here

LEER ESTO EN ESPAÑOL

No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

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.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Oakland County15

Alliance Catholic Credit UnionFarmington Hill · Credit union
Personal · Home · Business capital
Chief Financial Credit UnionRochester Hills · Credit union
Personal · Home · Business capital
Community Choice Credit UnionFarmington Hill · Credit union
Personal · Home · Business capital
Construction Credit UnionBingham Farms · Credit union
Personal · Home · Business capital
Cornerstone Community Financial Credit UnionAuburn Hills · Credit union
Personal · Home · Business capital
IN THIS LIST
9 of the 33 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Credit Union OneCDFI-certifiedFerndale · Credit union
Personal · Home · Business capital
Genisys Credit UnionAuburn Hills · Credit union
Personal · Home · Business capital
Michigan First Credit UnionCDFI-certifiedLathrup Village · Credit union
Personal · Home · Business capital

Show the other 7Show fewer

Parda Credit UnionAuburn Hills · Credit union
Personal · Home · Business capital
People Driven Credit UnionSouthfield · Credit union
Personal · Home · Business capital
Polish-American Credit UnionTroy · Credit union
Personal · Home · Business capital
Southeast Michigan State Employees Credit UnionMinority depositoryWest Bloomfield · Credit union
Personal · Home
Vibe Credit UnionNovi · Credit union
Personal · Home · Business capital
CORE Community PartnersBingham Farms · CDFI loan fund
Community lending · Business capital
United Cerebral Palsy Association of Michigan, Inc., DBA Michigan Assistive Technology FundSouthfield · CDFI loan fund
Community lending · Business capital

Keeps a branch in Oakland County15

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

Afena Credit UnionCDFI-certifiedMarion · Credit union
Personal · Home · Business capital
Christian Financial Credit UnionSterling Height · Credit union
Personal · Home · Business capital
Community Financial Credit UnionPlymouth · Credit union
Personal · Home · Business capital
Dfcu Financial Credit UnionDearborn · Credit union
Personal · Home · Business capital
Diversified Members Credit UnionMinority depositoryDetroit · Credit union
Personal · Home · Business capital
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.
Dort Financial Credit UnionGrand Blanc · Credit union
Personal · Home · Business capital

Show the other 9Show fewer

International Uaw Credit UnionDetroit · Credit union
Personal · Home
Lake Michigan Credit UnionGrand Rapids · Credit union
Personal · Home · Business capital
Lake Trust Credit UnionCDFI-certifiedBrighton · Credit union
Personal · Home · Business capital
Michigan Legacy Credit UnionWyandotte · Credit union
Personal · Home · Business capital
Michigan State University Credit UnionEast Lansing · Credit union
Personal · Home · Business capital
Public Service Credit UnionCDFI-certifiedRomulus · Credit union
Personal · Home · Business capital
Security Credit UnionCDFI-certifiedGrand Blanc · Credit union
Personal · Home · Business capital
Tandem Credit UnionMinority depositoryWarren · Credit union
Personal · Home
Zeal Credit UnionCDFI-certifiedLivonia · Credit union
Personal · Home · 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

A modest house in warm evening light — OPEN DOORS IN OAKLAND COUNTY3 minority depositories

THE GUIDE

Oakland County, Michigan has a wide range of home financing options beyond big national banks, including local credit unions, community development financial institutions (CDFIs), and ITIN-friendly lenders that understand the region's workforce and economy. Whether you are buying your first home, investing in a rental property, or refinancing as a self-employed contractor, this guide walks you through who qualifies, what documents you will need, and which local organizations can help. We also highlight Michigan-specific programs and common traps to avoid so you can move forward with confidence and without pressure.

WHO SAYS YES HERE

9CDFIs

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

Afena Credit Union · Credit Union One

28Credit 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.

Afena Credit Union · Alliance Catholic Credit Union

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid out

Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN OAKLAND COUNTY →

A porch at dusk, string lights on, two chairs pulled up

Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN OAKLAND COUNTY →77MI COUNTIES WITH DOORSThe whole stateEvery county in Michigan, in this same lane.128 institutions fund home financing inside Michigan county lines.OPEN THE STATE →

The Michigan counties with the most doors of this kind

Wayne County36 doors Macomb County24 doors Kent County19 doors Saginaw County15 doors Muskegon County15 doors Ottawa County13 doors Genesee County12 doors Kalamazoo County12 doors

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