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Home financing in Sullivan County.

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

5 institutions are headquartered inside the Sullivan County line, and 2 more keep a branch here. Below, we say which is which.

Not this lane? Business FinancingPersonal Financing

In this county7DOORS INSIDE THE COUNTY LINE
5HEADQUARTERED HERE
3OF THOSE, CDFI-CERTIFIED
THE DIRECTORY

The doors in Sullivan 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.

Headquartered in Sullivan County5
  • Appalachian Community Credit UnionCDFI-certifiedKingsport · Credit union
    Personal · Home · Business capital
  • Eastman Credit UnionKingsport · Credit union
    Personal · Home · Business capital
  • Horizon Credit UnionCDFI-certifiedKingsport · Credit union
    Personal · Home
  • Kingsport Press CUKingsport · Credit union
    Personal · Home
  • United Southeast Credit UnionBristol · Credit union
    Personal · Home
Keeps a branch in Sullivan County2

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

  • Knoxville Tva Employees Credit UnionKnoxville · Credit union
    Personal · Home · Business capital
  • Select Seven Credit UnionCDFI-certifiedJohnson City · Credit union
    Personal · Home
National — works with an ITIN2
  • 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
  • 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
IN THIS LIST

3 of the 9 are CDFI-certified.

The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.

NO SOCIAL SECURITY NUMBER

2 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.

A modest house in warm evening light
OPEN DOORS IN SULLIVAN COUNTY
THE GUIDE

This guide helps residents and small investors in Sullivan County, Tennessee understand their home financing options in plain, straightforward language. It highlights local credit unions, CDFIs, and ITIN-friendly lenders that actually serve this region, alongside Tennessee-specific programs that can reduce your costs. Whether you are buying your first home, refinancing, or investing in a small rental property, this guide will help you take the next step with confidence and without pressure.

WHO SAYS YES HERE
3CDFIs

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

Appalachian Community Credit Union · Horizon Credit Union
7Credit 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.

Appalachian Community Credit Union · Eastman Credit Union
IRIS AI

Still don't see your situation?

Ask Iris. She'll explain it the way it should have been explained the first time.

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