Personal financing in Delta County.

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

1 institutions are headquartered inside the Delta County line, and 1 more keep a branch here. Below, we say which is which.

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In this county2DOORS INSIDE THE COUNTY LINE

1HEADQUARTERED HERE

THE DIRECTORY

The doors in Delta 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.

THE MAP OF DOORSMichigan

Delta County

2: DOORS HERE
1: BASED HERE
77: MI COUNTIES WITH DOORS

At a glance

Lane: Personal Financing
County: Delta County · 37K residents
State: Michigan →
Institutions: 112 inside the county line · 1 headquartered here

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No agenda

We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.

Based here vs. serves here

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.

Where this comes from

Every institution on this page comes from public federal data — the CDFI Fund certified list (Jan 2026), NCUA credit union data (Mar 2026), and the SBA microloan intermediary list — plus a short national tier we verified by hand. No listing is paid.

Headquartered in Delta County1

U.p. State Credit UnionEscanaba · Credit union
Personal · Home · Business capital

Keeps a branch in Delta County1

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

Embers Credit UnionMarquette · Credit union
Personal · Home · Business capital

Serving all of Michigan6

Community Promise FCUCDFI-certifiedKalamazoo · Credit union
Personal
Great Lakes Womens Business CouncilSBA microlenderLivonia · CDFI loan fund
Community lending · Business capital
Metro Community Development, Inc.SBA microlenderFlint · CDFI loan fund
Community lending · Business capital
Grand Rapids Opportunities for Women (GROW)Grand Rapids · SBA microloan intermediary
Business capital
Michigan Women's FoundationDetroit · SBA microloan intermediary
Business capital
IN THIS LIST
3 of the 11 are CDFI-certified.
The U.S. Treasury certifies them to lend to the people banks pass over. It is a loan, not a favour.
Northern InitiativesMarquette · SBA microloan intermediary
Business capital

National — works with an ITIN3

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
Accion Opportunity FundAccepts ITINSan Jose · National nonprofit lender
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital
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

NO SOCIAL SECURITY NUMBER

3 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 porch at dusk, string lights on, two chairs pulled up — OPEN DOORS IN DELTA COUNTY

THE GUIDE

This guide helps solo contractors, small investors, and working families in Delta County, Michigan understand their personal financing options — from personal loans to home improvement credit. It highlights local credit unions, CDFIs, and ITIN-friendly lenders that actually serve the Upper Peninsula region. Federal programs like FHA loans are useful context, but the real starting point is a trusted local intermediary who knows the Delta County economy. Take your time, compare options, and never feel rushed into signing anything.

FROM HERE

Same county, another question.

A worn carpenter's bench at first light, hand tools and gloves laid out

Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN DELTA COUNTY →

Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN DELTA COUNTY →77MI COUNTIES WITH DOORSThe whole stateEvery county in Michigan, in this same lane.132 institutions fund personal financing inside Michigan county lines.OPEN THE STATE →

The Michigan counties with the most doors of this kind

Wayne County37 doors Oakland County28 doors Macomb County24 doors Kent County19 doors Saginaw County15 doors Muskegon County15 doors Ottawa County13 doors Genesee County12 doors

Across the network

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