Home financing in Richmond County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Richmond County line, but 3 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Richmond 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.
Based elsewhere, with a member-facing office inside the Richmond County line. You can walk in.
- Lower East Side People's Credit UnionCDFI-certifiedMinority depositoryPersonal · Home · Business capital
- Municipal Credit UnionMinority depositoryPersonal · Home
- Polish & Slavic 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
1 of the 6 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
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.
Buying a home in Richmond County (Staten Island) is one of the most significant financial steps you can take, and the right support makes a real difference. This guide walks you through what home financing means, who qualifies locally, which documents you'll need, and — most importantly — which local lenders, credit unions, CDFIs, and ITIN-friendly institutions actually serve Staten Island. We also cover New York State-specific rules and common traps to avoid so you can move forward with confidence and clarity.
Certified by the U.S. Treasury to lend where a bank will not. Nonprofit, patient, and used to a file that is not clean.
Lower East Side People's 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.
Lower East Side People's Credit Union · Municipal Credit UnionSame county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN RICHMOND COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN RICHMOND 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 →
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.