Home financing in Midland County.
County-by-county financing guides. No paperwork. No social. No ID.
5 institutions are headquartered inside the Midland County line, and 4 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingPersonal Financing
The doors in Midland 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.
- 9
- DOORS HERE
- 5
- BASED HERE
- 108
- TX COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 170Kresidents of Midland 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
- Heritage Usa Credit UnionPersonal · Home
- Members Financial Credit UnionPersonal · Home
- Mtcu Credit UnionMinority depositoryPersonal · Home
- My Community Credit UnionPersonal · Home
- West Texas Credit UnionPersonal · Home
Based elsewhere, with a member-facing office inside the Midland County line. You can walk in.
- 1st Community Credit UnionPersonal · Home · Business capital
- First Basin Credit UnionPersonal · Home · Business capital
- Southwest 66 Credit UnionPersonal · Home · Business capital
- Texas Tech Credit UnionPersonal · 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.
In Midland County the housing market follows the rig count. When the Permian Basin booms, rents jump, hotels fill, RV parks overflow and houses sell fast; when oil falls, the pressure eases and some buyers are left holding payments sized for the boom. This guide explains the kinds of home financing that exist, how lenders read oilfield income, the documents you need, which credit unions serve the county, the Texas property rules — homestead, taxes, mineral rights — that catch buyers, and the traps to avoid.
It's a process, not a rejection.
Home financing is not one product. In this county it usually takes one of these shapes:
- A purchase mortgage — the loan to buy a house. Conventional, FHA, VA and USDA versions exist, each with its own rules on down payment and credit.
- Down payment and closing cost assistance — help from state housing programs or local partners, layered on top of a first mortgage.
- A manufactured home loan — financing for a manufactured or mobile home, which in this county is how many working families and oilfield households own, on their own lot or in a community.
- A lot or construction loan — for buying land and building, common on the rural edges of the county.
- A refinance or home equity loan — replacing the loan you have or borrowing against equity. Texas has stricter rules on home equity borrowing than most states.
- A home repair loan — for a roof after a hailstorm, a foundation problem, an air conditioner that quits in July.
What makes Midland County different is that housing moves with oil.
When the Permian Basin is busy, workers pour in faster than homes can be built.
Rents climb, apartments fill, crews live in hotels, RV parks and temporary housing, and houses sell quickly. When oil prices fall, the pressure eases, but households that bought at the top with boom-time overtime in their budget can find the payment much harder to carry.
The buyers here are a mix: engineers and office staff with steady salaries in the city of Midland; field workers with high but uneven pay built on overtime and per diem; tradespeople and small contractors whose income follows the field; and families who have lived here through several booms and busts and want something solid. Small investors buy houses and duplexes to rent to oilfield workers — a strong business in a boom and a risky one in a bust.
The rule that protects households in this county is simple: buy a home you can afford on your base pay, not your overtime. If the overtime keeps coming, it pays the house off faster. If it stops, you keep the house.
Forget what the banks say.
Mortgage lenders look at four things: steady income, your track record of paying, the debt you already carry, and the money you bring to closing. Here is how that lands on the people who live and work here.
- 01**The oilfield worker on W-2 with heavy overtime
** Lenders usually want to see a two-year history of overtime before they count it, and they may average it. A job change between oilfield companies is usually fine if you stay in the same line of work; a gap in employment needs an explanation.
- 02**The field worker paid per diem
** Per diem is often not counted as income for a mortgage, because it is a reimbursement. Your qualifying income may be lower than what you take home. Ask the lender early.
- 03**The rotation worker who lives here part-time
** If your work is here but your family is elsewhere, a lender will ask which home is your primary residence. That changes the loan type and the down payment.
- 04**The self-employed welder
Hotshot driver or contractor.** Lenders qualify you on your tax returns after expenses, not your gross invoices. If you write off every truck payment and fuel receipt, you may show too little income to qualify. Talk to a lender a year before you buy.
- 05**The salaried office or corporate employee
** The simplest file. Two years of W-2s and recent pay stubs.
- 06**The small investor buying rentals
** Rental income counts once it shows on your tax returns. Investment loans require more down payment and more reserves, and lenders in this county know rents can fall when the rigs stack.
- 07**The renter who has never owned
** Twelve months of on-time rent, documented with bank records, is real evidence. Homebuyer education often opens doors to assistance you cannot get otherwise.
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
Get your papers in order.
Mortgage files are the heaviest paperwork in personal finance. Build the folder before you shop for a house, not after you fall in love with one.
- 01Government photo ID
Texas driver license or ID card, or passport
- 02Your Social Security number or ITIN
- 03Two years of federal tax returns, all pages and schedules
- 04Two years of W-2s, and 1099s if you have contract income
- 05Most recent thirty days of pay stubs
Showing base pay and overtime separately
- 06Written verification of employment
Or an employer letter explaining overtime and rotation schedules if your pay varies
- 07Two to three months of statements for every bank and savings account
- 08A year-to-date profit-and-loss statement if you are self-employed
- 09Twelve months of rent history
Bank records, cancelled checks or a landlord letter
- 10A gift letter and the giver's bank statement if family is helping with the down payment
- 11A homebuyer education certificate if you are using an assistance program
- 12For a manufactured home
The statement of ownership, the serial number, and whether the home is on land you own
- 13For rural land
The survey, the water well and septic records, and any easements
- 14For a rental property
Current leases and rental income on your tax returns
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
Be clear about what this county has.
ALL 9 DOORS, BY NAME AND BY TOWN- 9
- DOORS HERE
- 182
- ACROSS TX
Based in San Angelo, 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.Based in Odessa, Texas. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Midland, 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 Midland, 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 FORBuying, repairing or refinancing a home, and a personal loan, or building a credit file from nothing.
Don't fall into these traps.
If the payment only works with every hour of overtime, it does not work. Size the house to your base pay.
If the contract is not recorded, if there is no survey or title information, or if one late payment forfeits everything you have paid, you are taking all the risk. Texas law gives you protections; a seller who avoids them is telling you something.
Financing arranged at the sales lot can cost far more than a credit union loan. Get a quote from at least one credit union on this page before you sign.
Anyone who charges an upfront fee to save your home, or asks you to sign the deed over while they negotiate with your lender, is the danger. Free help exists through HUD-approved counselors.
A notario in the United States is not a lawyer. No legitimate lender guarantees approval before seeing your file, and no one can promise an ITIN mortgage without your documents.
After a hailstorm, contractors arrive from out of town asking for big deposits and your insurance check. Use a local, established contractor, pay in stages, and never sign over your insurance check before the work is done.
Unsolicited offers to buy mineral or royalty rights you may own often undervalue them. Understand what you own before you sign anything.
A real lender does not need your signature before five o'clock today.
Everything below is set by Texas, and it reads the same in every county in it. The 9 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Texas has no state income tax and funds schools and local government through property taxes. Once you own and live in your home, file a homestead exemption with the county appraisal district — it lowers your taxable value and limits how fast it can rise. You also have the right to protest your appraisal every year. Budget your mortgage payment with taxes and insurance included, not just principal and interest.
In the Permian Basin, the right to the oil and gas under a property is frequently owned by someone other than the surface owner. Your deed may say nothing about minerals, or may reserve them to a prior owner. Owning the surface does not mean you control drilling nearby. Read the title commitment, ask the title company what is reserved, and do not pay extra for mineral rights you are not actually getting.
Texas law limits how much you can borrow against your homestead, requires a waiting period before closing, and restricts how often you can do it. These rules protect you — be wary of anyone who offers a way around them.
Owner financing through an executory contract is regulated in Texas. The seller must provide disclosures, record the contract and give you certain rights. If a seller refuses to record the contract or give you a survey and title information, walk away.
Most Texas foreclosures happen outside of court, with sales held at the county courthouse on a regular schedule. If you fall behind, contact your lender and a HUD-approved counselor immediately — the timeline is shorter than in many states.
Property and debt acquired during a marriage generally belong to both spouses, and your spouse usually has to sign documents involving the homestead even if they are not on the loan.
In Texas, ownership of a manufactured home is recorded through a statement of ownership with the state housing agency, and it can be personal property or real property depending on how it is set up. That changes what kind of loan you can get. Ask before you make an offer.
West Texas weather and soils are hard on roofs and foundations. Get a full inspection, and get insurance quotes before you commit — premiums affect what you can afford.
The short version.
- 01
In Midland County, housing rises and falls with the oilfield. Buy a home you can afford on your base pay, and let the overtime pay it down faster. Ask every lender early how they count overtime, per diem and self-employment income — that answer decides what you can buy.
- 02
There is no community development housing lender based inside this county, so your doors are the local credit unions headquartered in Midland, the Permian Basin credit unions with branches here, the state's down payment programs through participating lenders, and free HUD-approved counseling. If you file with an ITIN, ask every door directly and start building credit now with a lending circle or credit-builder product.
- 03
File your homestead exemption once you move in. Understand what your deed says about mineral rights. Do not sign a contract for deed that is not recorded. Keep your money still in the months before you apply.
- 04
Origen Capital is a directory, not a lender. We do not collect your information, we do not sell it, and we do not take applications. Use this page as a map, 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 MIDLAND COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MIDLAND 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.