Home financing in Yellowstone County.
County-by-county financing guides. No paperwork. No social. No ID.
5 institutions are headquartered inside the Yellowstone County line, Billings included, and 2 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Yellowstone 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.
- 7
- DOORS HERE
- 5
- BASED HERE
- 33
- MT COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 165Kresidents of Yellowstone County
- Covers
- Billings
- Elsewhere in MT
- Missoula County →9 doors — the biggest list of any other county in Montana
- State
- Montana →33 of 56 counties hold a door in this lane
- Altana Credit UnionPersonal · Home · Business capital
- Billings Credit UnionPersonal · Home
- Rimrock Credit UnionPersonal · Home
- Seg Credit UnionPersonal · Home
- Valley Financial Credit UnionPersonal · Home · Business capital
Based elsewhere, with a member-facing office inside the Yellowstone County line. You can walk in.
- Black Hills Credit UnionPersonal · Home · Business capital
- Mountain America 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 - 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.
Yellowstone County is Montana's most populous county, anchored by Billings, with a mixed economy of energy, agriculture, healthcare, and small business. This guide helps solo contractors and small real estate investors understand their home financing options — from local credit unions and CDFIs to ITIN-friendly lenders — without rushing into anything. Federal programs like FHA or USDA are useful tools, but the real work happens through local intermediaries who know the Billings market and the surrounding rural communities. Read carefully, compare your options, and never feel pressured to sign anything you don't fully understand.
- 7
- DOORS HERE
- 28
- ACROSS MT
Based in Billings, Montana. 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.Based in Billings, Montana. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.Based in Rapid City, South Dakota. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORWorking capital, equipment and payroll for a small business, and a personal loan, or building a credit file from nothing.Based in Laurel, Montana. 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 FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.Everything below is set by Montana, and it reads the same in every county in it. The 7 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. Montana 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 TAX0.74% effective
What Montana 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$457K
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 TAX4.7% – 5.9%
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING102.9
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
7 doors sit inside the Yellowstone County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
7 of them are credit unions — owned by their members rather than by shareholders, and used to reading a whole story instead of a score.
- 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
33 of Montana's 56 counties hold a door in this lane. If Yellowstone 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 YELLOWSTONE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN YELLOWSTONE COUNTY →33MT COUNTIES WITH DOORSThe whole stateEvery county in Montana, in this same lane.28 institutions fund homes and repairs inside Montana 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.