Home financing in Mclennan County.
County-by-county financing guides. No paperwork. No social. No ID.
10 institutions are headquartered inside the Mclennan County line, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Mclennan 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.
- 14
- DOORS HERE
- 10
- BASED HERE
- 108
- TX COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 261Kresidents of Mclennan County
- Elsewhere in TX
- Harris County →51 doors — the biggest list of any other county in Texas
- State
- Texas →108 of 254 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.
First Central Credit Union · Heart O' Texas 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.
1st University Credit Union · First Central Credit Union- 1st University Credit UnionPersonal · Home
- First Central Credit UnionCDFI-certifiedPersonal · Home · Business capital
- Genco Credit UnionPersonal · Home · Business capital
- Heart O' Texas Credit UnionCDFI-certifiedMinority depositoryPersonal · Home
- Highway District 9 Credit UnionPersonal · Home
- IN THIS LIST
3 of the 14 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.
- Members Choice of Central Texas Credit UnionPersonal · Home · Business capital
- Rocket Credit UnionMinority depositoryPersonal · Home
- McLennan Community Investment FundCommunity lending · Business capital
Show the other 2Show fewer
- Linkage Credit UnionPersonal
- Waco Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Mclennan County line. You can walk in.
- Kraftman Credit UnionPersonal · Home · Business capital
- Texell Credit UnionPersonal · Home · Business capital
- Fontana Credit UnionPersonal
- Pba Credit UnionPersonal
- 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
Nobody paid to be on this list.
The 14 doors inside the county line come off public data, and 13 of them are owned by their own members. We do not ask for your name, and we earn nothing if you knock on one door rather than another.
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.
Buying a home in McLennan County — whether in Waco, Hewitt, Woodway, or a rural community — is more reachable than many people think. This guide walks you through what home financing actually is, who can qualify (including ITIN holders and self-employed contractors), what paperwork you will need, and which local lenders and nonprofits can help you. We focus on the people and organizations right here in Central Texas who understand this market, not just federal programs on a website.
- 14
- DOORS HERE
- 182
- ACROSS TX
Based in Waco, Texas. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no. It is CDFI-certified.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Waco, Texas. 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 CDFI-certified, and 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 Waco, Texas. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Waco, Texas. 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.Everything below is set by Texas, and it reads the same in every county in it. The 14 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. Texas 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 TAX1.68% effective
What Texas 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$298K
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 TAXNone
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING92.7
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
14 doors sit inside the Mclennan County line. They are up the page, by name and by town — and none of them paid to be there.
- 02
3 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 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
108 of Texas's 254 counties hold a door in this lane. If Mclennan 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 MCLENNAN COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MCLENNAN COUNTY →108TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.182 institutions fund homes and repairs inside Texas 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.