Home financing in Washington County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is based inside the Washington County line. We do not hide that — below are the doors that serve it from the rest of Wisconsin.
Not this lane? Business FinancingPersonal Financing
No institution is headquartered inside the Washington County line.
That is not a gap in this page, and it is not unusual: 47 of Wisconsin's 72 counties hold a door in this lane, and Washington County is not one of them. What does serve it is below, by name and by town.
The doors in Washington 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.
- 8
- DOORS HERE
- 0
- BASED HERE
- 47
- WI COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 137Kresidents of Washington County
- Elsewhere in WI
- Milwaukee County →18 doors — the biggest list of any other county in Wisconsin
- Doors
- 8serving this county · none inside the line
- ITIN
- 3take an ITIN instead of a social security number
- State
- Wisconsin →47 of 72 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 American Capital Corporation, Inc. · Wisconsin Women's Business Initiative CorporationThey will open an application with an ITIN instead of a social security number. No citizenship test at the door.
Mission Asset Fund · Accion Opportunity Fund- First American Capital Corporation, Inc.SBA microlenderCommunity lending · Business capital
- Wisconsin Women's Business Initiative CorporationSBA microlenderCommunity lending · Business capital
- Advocap, IncBusiness capital
- CAP Services, IncBusiness capital
- Northwest Wisconsin Regional Planning CommissionBusiness 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
3 of the 8 accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
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 Washington County.
home-purchase applications that reached a decision were turned down: 143 of 1,610.
- Applications
- 1,834
- Loans made
- 1,434
- Median rate
- 6.6%
- Credit history29.4%
- Too much debt for the income27.3%
- The home's value or condition25.2%
- Landmark Credit Union32523115.3%6.5%
- Fairway Independent Mortgage1491057%6.6%
- Rocket Mortgage1319718.4%6.3%
- Bank Five Nine114914.8%6.6%
- Associated Bank108896.3%6.4%
- United Shore Financial Services1138611.1%6.5%
- Summit Credit Union1037911.5%6.3%
- BMO Bank977220.9%7.8%
- Newrez1126913.4%6.5%
- Guild Mortgage90695.3%6.5%
The 10 lenders that made the most home loans in Washington County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (12.6%). 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).
Buying a home in Washington County, Wisconsin is very achievable — whether you have a traditional credit history or not. This guide walks you through what home financing looks like locally, who qualifies, what documents you'll need, and which local lenders, credit unions, and community organizations actually serve this area. Federal programs like FHA and USDA exist as helpful tools, but the real starting point is your local intermediary — the credit union, CDFI, or community lender who knows Washington County's housing market. We also cover what to watch out for so you can make decisions with confidence and without pressure.
- 8
- SERVE IT
- 39
- ACROSS WI
Based in Hale Corners, Wisconsin. A community development financial institution, certified by the U.S. Treasury to lend where a bank will not, and used to a file that is not clean. It lends SBA microloan money.
BEST FORCommunity lending where a bank has already said no, and working capital, equipment and payroll for a small business.Based in Milwaukee, Wisconsin. Treasury-certified as a CDFI, which is a mandate rather than a courtesy: reaching borrowers the mainstream market passes over is the job. It lends SBA microloan money.
BEST FORWorking capital, equipment and payroll for a small business, and community lending where a bank has already said no.Based in Fond Du Lac, Wisconsin. Approved by the SBA to place microloans, which are deliberately small — the size a real first job or a first truck actually costs.
BEST FORWorking capital, equipment and payroll for a small business.Based in Stevens Point, Wisconsin. An SBA microloan intermediary — a nonprofit that lends federal microloan money directly, in the sizes a bank does not bother with.
BEST FORWorking capital, equipment and payroll for a small business.Everything below is set by Wisconsin, and it reads the same in every county in it. Who opens the door is not: 3 of the 8 above will take an ITIN instead of a social security number.
The rules where you are.
None of this is set by a lender. Wisconsin 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 TAX1.51% effective
What Wisconsin 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$265K
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 TAX3.5% – 7.65%
It comes off before a lender works out how much of your income can go to a payment.
- COST OF LIVING95.1
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
No institution is based inside the Washington County line, and we say so out loud: the 8 doors above serve it from outside.
- 02
2 of them are certified by the U.S. Treasury as CDFIs. Lending where a bank will not is their mandate, not a favour.
- 03
3 will open an application with an ITIN instead of a social security number. There is no citizenship test at the door.
- 04
47 of Wisconsin's 72 counties hold a door in this lane. If Washington 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 WASHINGTON COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN WASHINGTON COUNTY →47WI COUNTIES WITH DOORSThe whole stateEvery county in Wisconsin, in this same lane.39 institutions fund homes and repairs inside Wisconsin 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.