ITIN and Spanish-language CDFI lenders

33 certified CDFIs say on their own websites that they lend to ITIN holders or accept an ITIN (Individual Taxpayer Identification Number) on a loan application. 139 CDFIs offer service in Spanish according to their own sites; 40 of those are in Puerto Rico.

What an ITIN is

The IRS says: An ITIN is a 9-digit number the IRS issues if you need a U.S. taxpayer identification number for federal tax purposes, but you aren’t eligible for a Social Security number (SSN). It adds: An ITIN is issued by the IRS for federal tax purposes only. One of the things the IRS lists that an ITIN does not do: Provide or change immigration status. ^[1] Whether a lender accepts an ITIN in place of a Social Security number is the lender's own policy.

Lenders that accept ITINs for loans

What each lender says, by state (33)

• Champions Funding, LLC (Loan fund, AZ): For non-U.S. citizens who don't have a SSN, we accept Individual Taxpayer Identification Number (ITIN). /
• AltaOne Federal Credit Union (Credit union, CA): Our ITIN Lending program allows borrowers with Individual Taxpayer Identification Numbers (ITIN) to apply for mortgages in the United States with as low as 10% down. /home-loans
• Mission Community Loan Fund LLC (Loan fund, CA): Credit Considerations: No minimum credit score required; ITIN holders encouraged to apply /small-business
• OceanAir Federal Credit Union (Credit union, CA): This program includes purchase loans with as little as 10% down, refinancing opportunities, loan terms of up to 20 years, and consideration of ITIN income. /
• TMCCommunityCapital (Loan fund, CA): No minimum FICO score. ITINs are accepted. /products
• Working Solutions CDFI (Loan fund, CA): Note that loans to ITIN holders follow the same lending guidelines, but additional documents may be requested. /loan-program
• Colorado Enterprise Fund, Inc. (Loan fund, CO): Complete applications will require applicants to provide their business license number and federal EIN, tax ID number, or Individual Taxpayer Identification Number, as well as a modest amount of financial and other business information. /BUILD-Denver-Loan-Fund
• Members Credit Union, Inc. (Credit union, CT): Potential savings of up to $250,000 over the life of the loan — With especially high savings potential for ITIN borrowers, who often face higher rates with other lenders. /home-loans
• City First Enterprises Inc (Bank holding company, DC): 2 years in business; Minimum annual revenue of $150,000; Minimum FICO of 620; ITINs accepted /overview-lend/small-business-nonprofit
• DC Federal Credit Union (Credit union, DC): Social Security card or ITIN documentation /new-used-auto-loans
• Clarity Credit Union (Credit union, ID): ITIN Lending /
• Greenwood Archer Capital, Inc. (Loan fund, IL): Documentation confirming legal residence or work authorization, such as a Social Security Number, ITIN (Individual Taxpayer Identification Number), or Permanent Resident Card (Green Card). /faq
• Metropolitan Consortium of Community Developers (Loan fund, MN): ITIN and fee-based lending options available /lending
• University Financial Corp. (Bank holding company, MN): Home Mortgage Lenders Offering ITIN Mortgages, Refinancing and More /products-and-services/personal-banking/…
• Urban Strategies Inc (Loan fund, MO): We can consider applications from applicants with a Social Security Number (SSN) or an Individual Tax Identification Number (ITIN). /faq
• Revity Federal Credit Union (Credit union, NC): Learn more about lending for ITIN holders /loans/personal-loans
• Economic Empowerment Center (Loan fund, NE): Social security or ITIN number /products-services/loan-products
• OMAHA 100, INC (Loan fund, NE): Have a Social security Number or ITIN. /credit-consolidation
• Greater Newark Enterprises Corporation (Loan fund, NJ): Borrowers with ITIN numbers are acceptable. /business-loan-services/gnec-business-lo…
• Guadalupe Credit Union (Credit union, NM): ITIN numbers are welcome here. We believe in financial solutions for everyone. /mobilehomes
• Homewise, Inc. (Loan fund, NM): Yes! We do offer refinance options for ITIN clients. /refinance-your-home
• Rio Grande Credit Union (Credit union, NM): If you have an ITIN or have had difficulty with other lenders, this option may be perfect. /Home-Loans
• LOWER EAST SIDE PEOPLES FEDERAL CREDIT UNION (Credit union, NY): Mortgages for NYC residents with SSN and ITIN numbers /home-loans1
• Ponce Bank (Bank or thrift, NY): Social Security Number or ITIN /personal-loans
• Nueva Esperanza Community Credit Union (Credit union, OH): 4. Optional: Valid Social Security Number or ITIN (Individual Tax Identification Number), if you want to request a loan or for dividend /copy-of-financial-education
• Rogue Credit Union (Credit union, OR): Individual Taxpayer Identification Number (ITIN) Loans /lending/mortgage-services/home-loans
• Three Roots Capital (Loan fund, TN): Social Security number or Individual Taxpayer Identification Number (ITIN) /our-services/preparing-to-apply-for-fin…
• Resource One Credit Union (Credit union, TX): At R1CU, we’re committed to inclusive financial services and are proud to accept the ITIN as a valid form of identification. /loans/personal
• River City Federal Credit Union (Credit union, TX): ITIN mortgage loans in San Antonio /
• Star of Texas Credit Union (Credit union, TX): Star of Texas is uniquely focused on meeting the lending needs of ALL members, including providing specialized ITIN lending opportunities to help meet your lifestyle needs. /personal-loans
• Express Credit Union (Credit union, WA): ITIN Accounts and Loans /
• Great NorthWest Federal Credit Union (Credit union, WA): Do you offer ITIN loans? Yes, we do. Apply online 24/7. /autoloans
• Seattle Metropolitan Credit Union (Credit union, WA): Apply With SSN or ITIN /vehicle-loans/auto

Status rules differ

Policies differ even among these lenders. Lines from their ITIN pages:

• Working Solutions CDFI (Loan fund, CA): Yes: Working Solutions serves entrepreneurs who have a Social Security Number (SSN) or Individual Tax Identification Number (ITIN), regardless of citizenship, residency, or documented status. /loan-program
• Greenwood Archer Capital, Inc. (Loan fund, IL): Documentation confirming legal residence or work authorization, such as a Social Security Number, ITIN (Individual Taxpayer Identification Number), or Permanent Resident Card (Green Card). /faq

Ask what documents the lender needs before you apply.

Spanish-language CDFIs

Outside Puerto Rico, 40 of the 99 are headquartered in California, New York or Texas. What the Spanish-speaking lenders lend, from their own sites: personal / consumer loans (78), small-business loans (67), auto / vehicle loans (67), home mortgages (64), small-dollar / emergency loans (28), microloans (27), energy / solar / efficiency loans (26), credit-builder loans (24).

How lenders say it

• Accion Opportunity Fund Community Development (Loan fund, CA): Get one-on-one business advice and support in English & Spanish /business-loans/food-truck-financing
• Allies for Community Business, Inc. (Loan fund, IL): Allies for Community Business ofrece préstamos a plazos y líneas de crédito entre $500 y $500,000 para empresas iniciales, emergentes y establecidas en Illinois e Indiana. /es/services/prestamos
• AltCap (Loan fund, MO): Si necesita un préstamo para pequeñas empresas y necesita ayuda en español /financing/programs/artcap
• Altura Credit Union (Credit union, CA): I am fluent in English & Spanish, ensuring effective communication and understanding /products/home-loans
• Apoyo Financiero Inc. (Loan fund, CA): Nuestras soluciones inteligentes ayudan a fortalecer tus finanzas y a darte confianza. /
• Avenir Financial Federal Credit Union (Credit union, AZ): Préstamos para Vivienda en Español a tu disposición. /loans/home-loans.html
• B:Side Fund (Loan fund, CO): B:Side University Recursos En Español /
• BOC Capital Corp. (Loan fund, NY): BOC Capital staff includes speakers of Spanish, French, Haitian-Creole, Chinese, Russian, Bangla, Nepali, Tibetan, Hindi, and Korean. /ppp-loan-updates
• Business Development Corp of SC (Loan fund, SC): Brochure for Borrowers - Spanish /loans/SSBCI-loan-participation-program
• California Coastal Rural Development Corporation (Loan fund, CA): Crédito y asistencia técnica para empresas de pequeña escala, sean nuevas o ya establecidas y en proceso de expanción. /es/programas-de-prestamo/micro-prestamos

Other languages

Languages other than English and Spanish that lenders say they serve in:

Lenders that name immigrants or refugees

20 verified lenders name immigrants, refugees or new Americans as a group they serve:

• African Development Center (Loan fund, MN): ADC offers services focused on the African immigrant and refugee community in Minnesota. /services-programs/own-home
• African Economic Development Solutions (Loan fund, MN): Since 2008, AEDS has empowered African immigrants in St. Paul to launch and grow businesses with accessible loans and financial support. /
• Brooklyn Alliance Capital, Inc. (Loan fund, NY): provides financing to under-served minority and immigrant entrepreneurs and low-income small business owners /services/financing
• Champions Funding, LLC (Loan fund, AZ): ITIN for the Win! Loan solutions for Non-U.S. citizens. /
• Community Enterprise Development Services (Loan fund, CO): CEDS Finance provides financing to low-income, Muslim, BIPOC, refugee and immigrant business owners in Colorado /
• ECDC Enterprise Development Group (Loan fund, VA): access to loan capital to refugees, immigrants and low-income individuals /
• First Community Capital, Inc. (Loan fund, CA): Immigrant Founders /
• Hmong American Partnership ECDC (Loan fund, MN): HAP offers a variety of loans to economically disadvantaged clients from the immigrant and refugee communities /hap-impact-areas/economic-prosperity/le…
• IRC's Center For Economic Opportunity, Inc. (CEO) (Loan fund, NY): CEO offers small loans tailored to meet the practical needs of working families and new Americans. /
• Inclusive Action for the City (Loan fund, CA): unique expertise in serving BIPOC, immigrant, and low-income entrepreneurs /capital-strategy
• Invest Detroit Foundation (Loan fund, MI): We believe in one Detroit for all and welcome funding interest from Detroit residents, entrepreneurs of color, women, and immigrants. /need-support
• Louisville Housing Opportunities and Micro-Enterprise Community Development Loan Fund, Inc., The (Loan fund, KY): Job Up! Loan If you're an immigrant or refugee who was certified in a profession in your country of origin, we want to help you practice here in Louisville. We offer loans of up to $6,000. /loans
• Members Credit Union, Inc. (Credit union, CT): si no tienes número de seguro social o algún otro estado migratorio en Estados Unidos no tienes que preocuparte /auto-loans-sp
• Metropolitan Consortium of Community Developers (Loan fund, MN): We champion BIPOC, LGBTQIA+ people, immigrants, women, individuals with low wealth, and underinvested business areas. /business-services
• Mission Community Loan Fund LLC (Loan fund, CA): Fondo Adelante offers low-interest loans and free business consulting to entrepreneurs across the nine Bay Area counties—regardless of credit history or immigration status. /small-business
• Prosperus Detroit Micro Lending (Loan fund, MI): we prioritize people from low-income communities who identify as Black, indigenous, and/or other people of color including immigrants /lending
• Renaissance Economic Development Corporation (Loan fund, NY): transform low-to-moderate income and immigrant communities in NYC /loan-program/sba-microloan-2
• Rockingham Economic Development Corp (Loan fund, NH): encouraging business development and job creation for new Americans and ambitious entrepreneurs based in Concord /single-post/2017/06/01/redc-and-partner…
• SNAP Financial Access (Loan fund, WA): We exist to fund women, veterans, communities of color, immigrants, LGBT, disabled, and other traditionally under-banked entrepreneurs. /business-loans
• Westminster Economic Development Initiative Inc (Loan fund, NY): economic development where we work with beginning or growing business people who are traditionally underserved -- women, minorities, veterans, refugees and immigrants. /capital-campaign-1

Citizenship and immigration-fee loans

7 verified lenders describe a loan for immigration or naturalization costs:

• I AM FCU (Credit union, NY): Our Citizenship Loan provides financial assistance for immigration fees for you and your immediate family. /loan-products-2
• IRC's Center For Economic Opportunity, Inc. (CEO) (Loan fund, NY): Immigration loans assist with the costly immigration process. /lending/our-loans.html
• Nueva Esperanza Community Credit Union (Credit union, OH): Citizenship Loans /services-products
• Resource One Credit Union (Credit union, TX): Our Citizenship Loans help cover costs on your path to U.S. citizenship /loans/personal
• SkyPoint Federal Credit Union (Credit union, MD): Loan amounts up to $4,000; $1,255 per immigration application /borrow/personal
• The Capital Good Fund (Loan fund, RI): Whether you need to repair an automobile, weatherize your home, cover the costs of immigration, pay the security deposit for an apartment /overview/overview
• Vantage West Credit Union (Credit union, AZ): Borrow up to $1,500 to cover naturalization application and legal fees. /personal/personal-loans

County pages with these lenders

Questions

Can I get a CDFI loan with an ITIN instead of a Social Security number?

At some lenders, yes. 33 CDFIs say on their website that they lend to ITIN holders or accept an ITIN on a loan application; each line is quoted on this page. Policies vary by product, so confirm with the lender.

What is an ITIN?

A 9-digit tax processing number the IRS issues to people who need a U.S. taxpayer identification number for federal tax purposes but are not eligible for a Social Security number. It does not change immigration status.

Which CDFIs offer service in Spanish?

139 verified lenders say so on their sites, mostly credit unions and loan funds; 40 are in Puerto Rico. The full list is on this page.

Do CDFIs ask about immigration status?

Some do and some do not. Lines quoted on this page include lenders that serve borrowers regardless of status and lenders that ask for proof of legal residence or work authorization.

Are there loans for citizenship fees?

Yes: 7 verified lenders describe a loan for naturalization or immigration costs.

Not financial advice. CDFI Atlas is not a lender and is not affiliated with the CDFI Fund. Lender terms change: confirm with the lender.

Sources

1. IRS: Individual Taxpayer Identification Number (ITIN), read 3 Nov 2026
2. CDFI Fund: Frequently Asked Questions (general public), read 3 Nov 2026

Lender data: the CDFI Fund list of certified CDFIs as of 21 Oct 2026 and the lenders' own websites, read 29 Oct 2026–4 Nov 2026 (each lender page shows its own date). Method: About and methodology.