Home financing in Wayne County.

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

24 institutions are headquartered inside the Wayne County line, Detroit included, and 20 more keep a branch here. Below, we say which is which.

See the 44 doors Ask a question

Not this lane? Business FinancingPersonal Financing

In this county44DOORS INSIDE THE COUNTY LINE

24HEADQUARTERED HERE

36FUND THIS LANE HERE

9OF THOSE, CDFI-CERTIFIED

THE DIRECTORY

The doors in Wayne 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

Wayne County

44: DOORS HERE
24: BASED HERE
77: MI COUNTIES WITH DOORS

At a glance

Lane: Home Financing
County: Wayne County · 1.8M residents
State: Michigan →
Covers: Detroit
Institutions: 4744 inside the county line · 24 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 Wayne County24

Advantage One Credit UnionBrownstown · Credit union
Personal · Home · Business capital
Community Financial Credit UnionPlymouth · Credit union
Personal · Home · Business capital
Community Focus Credit UnionBrownstown · Credit union
Personal · Home
Dfcu Financial Credit UnionDearborn · Credit union
Personal · Home · Business capital
Diversified Members Credit UnionMinority depositoryDetroit · Credit union
Personal · Home · Business capital
IN THIS LIST
15 of the 47 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Downriver Community Credit UnionEcorse · Credit union
Personal · Home · Business capital
International Uaw Credit UnionDetroit · Credit union
Personal · Home
Michigan Columbus Credit UnionLivonia · Credit union
Personal · Home · Business capital

Show the other 16Show fewer

Michigan Legacy Credit UnionWyandotte · Credit union
Personal · Home · Business capital
One Detroit Credit UnionCDFI-certifiedMinority depositoryDetroit · Credit union
Personal · Home
Public Service Credit UnionCDFI-certifiedRomulus · Credit union
Personal · Home · Business capital
Shore To Shore Community Credit UnionTrenton · Credit union
Personal · Home · Business capital
Total Community Credit UnionTaylor · Credit union
Personal · Home
United Churches Credit UnionTaylor · Credit union
Personal · Home
Wayne-Westland Credit UnionCDFI-certifiedWestland · Credit union
Personal · Home · Business capital
Zeal Credit UnionCDFI-certifiedLivonia · Credit union
Personal · Home · Business capital
Detroit Development FundDetroit · CDFI loan fund
Community lending · Business capital
Great Lakes Womens Business CouncilSBA microlenderLivonia · CDFI loan fund
Community lending · Business capital
Invest Detroit FoundationDetroit · CDFI loan fund
Community lending · Business capital
Michigan Women's Foundation, TheDetroit · CDFI loan fund
Community lending · Business capital
Prosperus Detroit Micro LendingDetroit · CDFI loan fund
Community lending · Business capital
First Independence BankDetroit · CDFI bank
Personal · Business capital
Michigan Women's FoundationDetroit · SBA microloan intermediary
Business capital
Michigan Women's Foundation assumed Entrepreneur Institute of Mid-MichiganDetroit · SBA microloan intermediary
Business capital

Keeps a branch in Wayne County20

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

A.b.d. Credit UnionMinority depositoryWarren · Credit union
Personal · Home
Advia Credit UnionKalamazoo · Credit union
Personal · Home · Business capital
Alliance Catholic Credit UnionFarmington Hill · Credit union
Personal · Home · Business capital
Chief Financial Credit UnionRochester Hills · Credit union
Personal · Home · Business capital
Christian Financial Credit UnionSterling Height · 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.
Community Choice Credit UnionFarmington Hill · Credit union
Personal · Home · Business capital

Show the other 14Show fewer

Credit Union OneCDFI-certifiedFerndale · Credit union
Personal · Home · Business capital
Ent Credit UnionColorado Spring · Credit union
Personal · Home · Business capital
Genisys Credit UnionAuburn Hills · Credit union
Personal · Home · Business capital
Lake Michigan Credit UnionGrand Rapids · Credit union
Personal · Home · Business capital
Lake Trust Credit UnionCDFI-certifiedBrighton · Credit union
Personal · Home · Business capital
Michigan First Credit UnionCDFI-certifiedLathrup Village · Credit union
Personal · Home · Business capital
Michigan State University Credit UnionEast Lansing · 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
Security Credit UnionCDFI-certifiedGrand Blanc · Credit union
Personal · Home · Business capital
True Community Credit UnionJackson · Credit union
Personal · Home · Business capital
Ukrainian Selfreliance Michigan Credit UnionWarren · Credit union
Personal · Home · Business capital
University of Michigan Credit UnionCDFI-certifiedAnn Arbor · Credit union
Personal · Home · Business capital
Vibe Credit UnionNovi · 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 WAYNE COUNTY3 minority depositories

THE GUIDE

Wayne County, Michigan — home to Detroit and dozens of surrounding communities — has a rich network of local lenders, CDFIs, and credit unions built specifically to help working families, solo contractors, and small investors buy or improve homes. This guide walks you through what home financing is, who qualifies, what documents you will need, and which local organizations actually serve your community. We also highlight state-specific programs in Michigan and flag the warning signs of predatory lending. Take your time, compare your options, and never feel pressured to sign anything before you are ready.

WHO SAYS YES HERE

15CDFIs

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

Credit Union One · Lake Trust Credit Union

36Credit 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.

A.b.d. Credit Union · Advantage One 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 WAYNE COUNTY →

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

Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN WAYNE 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

Oakland County28 doors Macomb County24 doors Kent County19 doors Saginaw County15 doors Muskegon County15 doors Ottawa County13 doors Genesee County12 doors Kalamazoo County12 doors

Across the network

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