Home financing in Westchester County.
County-by-county financing guides. No paperwork. No social. No ID.
12 institutions are headquartered inside the Westchester County line, Mount Vernon included, and 1 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Westchester 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.
- 13
- DOORS HERE
- 12
- BASED HERE
- 56
- NY COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 1.0Mresidents of Westchester County
- Covers
- Mount Vernon
- Elsewhere in NY
- New York County →51 doors — the biggest list of any other county in New York
- State
- New York →56 of 62 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.
Community Capital New York, Inc · Leviticus 25:23 Alternative Fund IncOwned 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.
Educational and Governmental Credit Union · Municipal Credit Union- Educational and Governmental Credit UnionPersonal · Home
- Quorum Credit UnionPersonal · Home · Business capital
- Suma Credit UnionPersonal · Home · Business capital
- Usalliance Credit UnionPersonal · Home · Business capital
- Community Capital New York, IncSBA microlenderCommunity lending · Business capital
- IN THIS LIST
2 of the 13 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.
- Leviticus 25:23 Alternative Fund IncCommunity lending · Business capital
- Greater Centennial Credit UnionMinority depositoryPersonal
- Mount Vernon NY Postal Employees Credit UnionMinority depositoryPersonal
Show the other 4Show fewer
- Scf Westchester N. Y. Employees Credit UnionPersonal
- Sing Sing Employees Credit UnionPersonal
- Union Baptist Greenburgh Credit UnionMinority depositoryPersonal
- White Plains P O Employees Credit UnionMinority depositoryPersonal
Based elsewhere, with a member-facing office inside the Westchester County line. You can walk in.
- Municipal Credit UnionMinority depositoryPersonal · Home
- 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.
Who actually approves home loans in Westchester County.
home-purchase applications that reached a decision were turned down: 642 of 6,933.
- Applications
- 8,542
- Loans made
- 6,132
- Median rate
- 6.4%
- The home's value or condition33.6%
- Too much debt for the income32.4%
- Application left incomplete7.3%
- JPMorgan Chase Bank1,43797010.4%6.4%
- United Shore Financial Services76458710.2%6.5%
- Rocket Mortgage78353522.8%6.5%
- Crosscountry Mortgage6835203.6%6.6%
- Loandepot.com5083838.5%6.6%
- Citibank64037213.5%5.9%
- Wells Fargo Bank59835116%5.9%
- Citizens Bank51730927.8%6.4%
- Bank of America48530020.2%5.9%
- TD Bank30719816.8%6.4%
The 10 lenders that made the most home loans in Westchester County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (15.5%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Westchester is one of the most expensive counties in the country to buy into, and the property tax bill is often the hardest part of the monthly payment to absorb. The realistic paths in are a co-op in Yonkers, New Rochelle, or White Plains, or a two-to-four-family house in Mount Vernon, Yonkers, Peekskill, or Port Chester where tenant rent helps carry the loan. This guide explains how home financing works in that market, who qualifies, which documents underwriters demand, which institutions are genuinely based inside the county, and the schemes that target renters trying to become owners here.
It's a process, not a rejection.
Home financing is a loan secured by the property itself. If the payments stop, the lender can take the home, which is why the paperwork is heavier than any other borrowing and why the rate is lower.
The products you will meet here: a conventional mortgage; a government-insured mortgage with a smaller down payment and more forgiving credit requirements; a portfolio loan that a credit union keeps on its own books rather than selling, which is often the only route for an unusual borrower; a co-op share loan, which is not technically a mortgage because a co-op purchase is not real estate; a home equity loan or line once you own; and a renovation loan that finances the work along with the purchase.
What decides the conversation in Westchester is the housing stock and the tax bill. The southern cities — Yonkers, Mount Vernon, New Rochelle — hold most of the county's co-ops and most of its two-, three-, and four-family houses.
Port Chester and Peekskill add more of the same.
The estate towns to the north and east are single-family and largely out of reach for a first purchase. And across all of it, property taxes are heavy enough that a payment which looks affordable on the loan amount alone becomes unaffordable once taxes and insurance are added. Always run the number with taxes in it.
The two-to-four-family is the real entry point. You live in one unit, rent the others, and most lenders will count a portion of that projected rent as qualifying income. It is the reason families here carry prices that look impossible on one paycheck — and the reason a good building inspection matters more than a good rate.
Forget what the banks say.
A mortgage underwriter measures four things: documented stable income, how much of it the housing payment consumes, your credit history, and the cash you can put down while keeping reserves.
In Westchester, the buyers who get approved tend to look like this:
- Two-income households where both incomes are on paper, including households combining a W-2 job with self-employment
- Self-employed tradespeople and small business owners with two full years of filed returns — one year is rarely enough
- Owner-occupant buyers of two-to-four-family buildings using projected rent from the other units
- Long-term renters with heavy, provable rent history and thin credit files
- Hospital, school district, municipal, and transit employees with steady W-2 income
- Households buying with help from family, documented properly as a gift
What stops people here is rarely the income level. It is documentation and the tax line. If part of your pay arrives in cash, it does not exist to an underwriter unless it was deposited and declared — a landscaper or home health aide who deposits everything and files honestly for two years will qualify for substantially more than someone earning the same money off the books.
And if the payment works without taxes but not with them, the answer is a cheaper municipality or a two-family, not a bigger stretch.
On identification: filing taxes with an ITIN does not automatically put a mortgage out of reach.
Some credit unions and community lenders keep ITIN mortgage programs precisely because they hold those loans in-house rather than selling them.
No institution in this county is confirmed as offering one, so ask plainly rather than assuming — and if the answer is no, move to the next door rather than paying anyone to turn it into a yes. In a mixed-status household, ask specifically how the income of adults who will not be on the loan gets counted, because the answer varies by lender.
Get your papers in order.
Mortgage paperwork is the heaviest in consumer finance, and in a competitive market the prepared buyer wins the accepted offer.
- 01Government-issued photo ID, and your ITIN or Social Security Number
- 02Two years of federal tax returns with all schedules
- 03Two years of W-2s
Or two years of 1099s and Schedule C if self-employed
- 04Pay stubs covering a full recent month
- 05Two to three months of statements for every account holding your down payment
- 06A written explanation and gift letter for any large deposit that is not payroll
- 07Proof of rent paid
Canceled checks, bank debits, or a landlord ledger, which helps when your credit file is thin
- 08Current leases and a rent roll if you are buying a two-to-four-family with tenants in place
- 09Co-op or condo documents
The association or corporation budget, bylaws, financial statements, and the questionnaire the lender sends the building
- 10Current property tax bill
The actual bill, not the listing's estimate
- 11Homeowners insurance quote
Plus flood information if the property sits in a mapped flood area
- 12Your own credit report, pulled first, so any surprise is yours
The doors worth knowing.
Westchester has more local institutions than most counties, and the order you approach them in matters.
ALL 13 DOORS, BY NAME AND BY TOWN- 13
- DOORS HERE
- 101
- ACROSS NY
Based in Hartsdale, New York. 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 New York, New York. 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 a minority depository.
BEST FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.Based in Purchase, New York. 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 Yonkers, New York. 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.
Don't fall into these traps.
A high-cost market with a large immigrant and first-generation buyer population attracts a specific set of schemes. These are the ones that appear in Westchester.
You pay like an owner and hold none of an owner's protections. Miss a payment and you can lose the home and everything you put into it, without the safeguards of a foreclosure process. If someone offers to sell you a house without a bank, take it to a lawyer first.
Anyone offering to repair your credit, stop a foreclosure, or temporarily hold your title by having you sign a deed is taking your house. Never sign a deed to anyone who is not buying the property at a closing with your own attorney present.
New York licenses mortgage loan originators, and every legitimate one has a verifiable license number. Check it before you hand anyone your tax returns.
Cash application fees, credit repair retainers, guaranteed-approval deposits. Real closing costs appear on written disclosures and are paid at closing.
A payment that jumps after a few years, a balloon at the end, or extra points stacked on because the broker senses your options feel limited. Ask for the total paid at year three and year five in writing, and compare two written offers.
In a market this competitive, buyers get pressured into waiving inspections. On an older two-to-four-family, an inspection you skipped is the most expensive money you ever saved.
In much of Latin America a notario público is a trained lawyer. In New York a notary public is not, and cannot advise you on a purchase or a contract. Hire an attorney for the attorney's job.
If you buy an occupied two-to-four-family, you inherit the tenancies and the rules that govern them. Ask your attorney exactly what you are buying before you count that rent as income.
Everything below is set by New York, and it reads the same in every county in it. The 13 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
New York's purchase process has its own shape, and a few details here decide deals.
You need your own attorney. New York closings are attorney-driven; the contract, the title work, and the closing all run through lawyers. Hire your own — not the one the seller's agent suggests — and have that person read everything before you sign.
Property taxes are the deciding number. Bills vary sharply between municipalities and school districts within Westchester, and two similar houses a mile apart can carry very different payments. Ask for the current bill. Ask whether an assessment grievance is pending. Ask whether any exemption on the bill belongs to the current owner and disappears when they leave — a common and painful surprise.
Co-ops are their own world. You buy shares, not real estate. The board can reject you without giving a reason, many buildings cap how much of the price can be financed, and monthly maintenance can rise. Read the corporation's financial statements and reserve levels, and find out how many units are in arrears.
Closing costs in New York are high, and the mortgage recording tax is part of why. Ask your attorney for a written estimate of total cash needed at closing early, not the week before.
State and local assistance programs all carry income and purchase-price limits, and the limits differ by program and by household size. Do not assume you earn too much or too little — have a counselor check you against the actual tables.
The short version.
- 01
Buying in Westchester is expensive but not closed. For most families here the realistic path is a co-op in one of the southern cities, or a two-to-four-family where tenant rent carries part of the payment — in both cases with state or local down-payment assistance layered on top.
- 02
Do it in this order. File two clean years of taxes and deposit everything you earn. Pull your own credit and correct what is wrong. Sit down with a free HUD-approved housing counselor before you speak to a single lender, and let them check you against the assistance programs you have never heard of. Call the four broad-charter credit unions headquartered in this county and ask whether you are eligible, whether they write mortgages, and whether they write co-op share loans. Call the two community development lenders here and ask whether they serve individual buyers, and who does if they do not. Hire your own attorney. Run every payment with the actual tax bill in it.
- 03
And hold three lines absolutely: never sign a deed outside a closing, never pay a fee to be considered, and never waive an inspection to win a bidding war.
- 04
Origen Capital is a directory, not a lender. We do not collect your information, we do not sell mortgages, and nothing here is an application. Use this guide to arrive prepared, then work directly with a licensed lender, a credit union, or a nonprofit housing counselor when you are ready.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN WESTCHESTER COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN WESTCHESTER COUNTY →56NY COUNTIES WITH DOORSThe whole stateEvery county in New York, in this same lane.101 institutions fund homes and repairs 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.