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, Troy included, and 15 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
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.
- 30
- DOORS HERE
- 15
- BASED HERE
- 77
- MI COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 1.3Mresidents of Oakland County
- Covers
- Troy
- Elsewhere in MI
- Wayne County →43 doors — the biggest list of any other county in Michigan
- State
- Michigan →77 of 83 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.
Afena Credit Union · Michigan First 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.
Afena Credit Union · Alliance Catholic Credit Union- Alliance Catholic Credit UnionPersonal · Home · Business capital
- Chief Financial Credit UnionPersonal · Home · Business capital
- Community Choice Credit UnionPersonal · Home · Business capital
- Construction Credit UnionPersonal · Home · Business capital
- Cornerstone Community Financial Credit UnionPersonal · Home · Business capital
- IN THIS LIST
6 of the 30 doors inside the county line 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 OnePersonal · Home · Business capital
- Genisys Credit UnionPersonal · Home · Business capital
- Michigan First Credit UnionCDFI-certifiedPersonal · Home · Business capital
Show the other 7Show fewer
- Parda Credit UnionPersonal · Home · Business capital
- People Driven Credit UnionPersonal · Home · Business capital
- Polish-American Credit UnionPersonal · Home · Business capital
- Southeast Michigan State Employees Credit UnionMinority depositoryPersonal · Home
- Vibe Credit UnionPersonal · Home · Business capital
- CORE Community PartnersCommunity lending · Business capital
- United Cerebral Palsy Association of Michigan, Inc., DBA Michigan Assistive Technology FundCommunity lending · Business capital
Based elsewhere, with a member-facing office inside the Oakland County line. You can walk in.
- Afena Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Christian Financial Credit UnionPersonal · Home · Business capital
- Dfcu Financial Credit UnionPersonal · Home · Business capital
- Diversified Members Credit UnionMinority depositoryPersonal · Home · Business capital
- Dort Financial Credit UnionPersonal · Home · Business capital
- NO AGENDA
Nobody paid to be on this list.
The 30 doors inside the county line come off public data, and 28 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
- International Uaw Credit UnionPersonal · Home
Show the other 9Show fewer
- Lake Michigan Credit UnionPersonal · Home · Business capital
- Lake Trust Credit UnionPersonal · Home · Business capital
- Michigan Legacy Credit UnionPersonal · Home · Business capital
- Michigan State University Credit UnionPersonal · Home · Business capital
- Orsa Credit UnionPersonal · Home · Business capital
- Public Service Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Security Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Tandem Credit UnionMinority depositoryPersonal · Home
- Zeal 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.
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.
- 30
- DOORS HERE
- 127
- ACROSS MI
Based in Marion, Indiana. 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 Lathrup Village, Michigan. 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.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Romulus, Michigan. 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 Rochester Hills, Michigan. 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 Michigan, and it reads the same in every county in it. The 30 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. Michigan 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 TAX1.38% effective
What Michigan 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$242K
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 TAX4.25% flat
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING90.6
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
30 doors sit inside the Oakland County line. They are up the page, by name and by town — and none of them paid to be there.
- 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
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
77 of Michigan's 83 counties hold a door in this lane. If Oakland 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 OAKLAND COUNTY →
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.127 institutions fund homes and repairs inside Michigan 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.