Home financing in Erie County.
County-by-county financing guides. No paperwork. No social. No ID.
13 institutions are headquartered inside the Erie County line, and 6 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Erie 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.
- Boulevard Credit UnionPersonal · Home
- Buffalo Metropolitan Credit UnionPersonal · Home
- Cadets Credit UnionPersonal · Home
- Empire One Credit UnionPersonal · Home
- Good Neighbors Credit UnionPersonal · Home · Business capital
- IN THIS LIST
3 of the 22 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
- Kaleida Health Credit UnionPersonal · Home
- Radius Credit UnionPersonal · Home
- Launch New York, Inc.Community lending
Show the other 5Show fewer
- Westminster Economic Development Initiative IncSBA microlenderCommunity lending · Business capital
- Griffith Institute Employees Credit UnionPersonal
- Seneca Nation of Indians Credit UnionMinority depositoryPersonal
- Sister's Hospital Employees Credit UnionPersonal
- St. John United Credit UnionMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Erie County line. You can walk in.
- Broadview Credit UnionPersonal · Home · Business capital
- Cornerstone Community Credit UnionPersonal · Home · Business capital
- Empower Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Niagara-Wheatfield Credit UnionPersonal · Home
- Ukrainian Credit UnionPersonal · 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.
- Transit Credit UnionMinority depositoryPersonal
- 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
Erie County, New York has a range of local lenders, credit unions, CDFIs, and state-backed programs that can help solo contractors, small real-estate investors, and immigrant buyers — including ITIN holders — finance a home. This guide walks you through what home financing is, who qualifies locally, what paperwork you will need, which specific local organizations can help you, what New York State rules mean for you, and what warning signs to watch for. Origen Capital is a directory, not a lender — we connect you with trustworthy local resources, nothing more.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Empower Credit Union · Launch New York, Inc.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.
Boulevard Credit Union · Broadview Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN ERIE COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN ERIE COUNTY →56NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.100 institutions fund home financing inside New York county lines.OPEN THE STATE →
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