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ITIN lenders: how to get a loan or mortgage with an ITIN

ITIN lenders are the banks, credit unions, and lenders that approve personal loans, car loans, and mortgages with an ITIN instead of a Social Security number. You won't qualify for FHA or most conventional mortgages, but credit unions and specialist lenders fill the gap. This guide shows who lends, what they ask for, and what it costs.

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By · Founder of ITIN Club

Updated 6 min read

  • Personal loan
  • Mortgage
  • Credit score

Ask members who've already done this.

Tax ID
ITIN, no SSN
FHA loans
SSN required
Mortgage down payment
5%–20%
Personal loan APR
Aim for 36% or less

How ITIN loans work

An ITIN loan is an ordinary loan made to someone who applies with an Individual Taxpayer Identification Number. The lender checks your credit, income, and debts the same way. What changes is where you can apply: the government-backed programs most lenders rely on want a Social Security number, so ITIN lending comes from lenders that keep the loans themselves.

Usually yes
  • Personal loans from credit unions and community lenders
  • Car loans from credit unions
  • ITIN mortgages from specialist lenders and credit unions
  • Secured cards and credit-builder loans to start a file
Usually no
  • FHA loans: every borrower needs a valid SSN
  • Federal student loans: an SSN is required
  • Most big-bank personal loans
  • Conventional mortgages, unless you also document legal status

No ITIN yet? Start with How to get an ITIN as a foreigner.

What you can borrow

Each lender sets its own rules. Ask whether a product takes an ITIN before you apply.
LoanWith an ITINWhere to look
Personal loanYes, at a smaller set of lendersCredit unions, community lenders, and online lenders like Oportun
Car loanYesCredit unions with ITIN programs, and some dealer lenders
MortgageYes, as an ITIN or non-QM loanSpecialist lenders, credit unions, and mortgage brokers
FHA loanNoHUD requires a valid SSN for every borrower
Conventional mortgageOnly with proof of legal statusFannie Mae accepts an ITIN plus verified legal residency, such as a work permit or green card
Federal student loanNoFederal aid requires an SSN. Ask your school about private aid

ITIN lenders to compare

These lenders say on their own sites that they take an ITIN. Terms change, so treat this as a starting list and check each one before you apply.

Terms as published by each lender in October 2026. Rates depend on your credit, income, and down payment.
LenderLoansWith an ITIN
First National Bank of AmericaMortgages, nationwide15% minimum down, gift funds allowed, borrowers with no credit eligible
Angel Oak Mortgage SolutionsMortgages, through brokers640 minimum score, up to 80% financing, primary homes only
HOPE Credit UnionMortgages in the Deep SouthUp to 95% financing on homes up to $250,000, 580 minimum score, no mortgage insurance
Cobalt Credit UnionPersonal, car, and home loans around OmahaITIN document, pay stub, and passport or consular ID. Personal loans from $500 to $30,000
OportunPersonal loans, online and in stores$300 to $10,000, APR capped at 35.99%, no credit score needed

Which lender said yes?

See which lenders approved members with an ITIN, and what rate and down payment they got, before you apply.

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ITIN mortgages

An ITIN mortgage works like any home loan, with stricter terms. Expect a bigger down payment and a higher rate than a conventional loan.

Down payment
  • From 5% at some credit unions to 20% or more at specialist lenders
  • Gift money is often allowed, with limits
  • Closing costs come on top of the down payment
Credit
  • Minimum scores from 580 to 640 are common
  • Some lenders accept no score, using rent and bills instead
  • 12 months of on-time rent helps your case
Documents
  • Your ITIN letter from the IRS
  • 2 years of tax returns filed with your ITIN
  • Passport or consular ID
  • Pay stubs or 12 months of bank statements

Personal loans

Lenders that take an ITIN for a personal loan usually ask for a photo ID, your ITIN, proof of address, proof of income, and a list of your monthly debts. Many let you prequalify with a soft credit check, which doesn't affect your score.

Compare offers by APR, not the monthly payment. The APR includes fees, and some lenders take an administrative fee of up to 10% out of the loan. A 36% APR is the cap many consumer advocates treat as the line between expensive and predatory.

Step by step

  1. 1

    Keep your ITIN active

    Lenders check it, and mortgages need tax returns filed with it. Renew it if it has expired.

  2. 2

    Open a US bank account

    Statements prove income and savings, and most lenders pay the loan into it. See how to open a US bank account as a non-resident.

  3. 3

    Build a credit file

    A secured card is the fastest start. See how to get a US credit card as a non-resident, then check your credit score after 6 months.

  4. 4

    Prequalify with a soft check

    Use prequalification to see likely terms without a hard inquiry on your report.

  5. 5

    Compare the total cost

    Line up APR, fees, term, and total repaid. Ask whether there's a prepayment penalty.

  6. 6

    Apply to the best offer

    Send one full application at a time. Each one is a hard inquiry.

  7. 7

    Pay on time, every time

    Lenders like Oportun report payments to the credit bureaus, so the loan builds your US credit history.

Offers to avoid

  • Anyone who guarantees approval or asks for a fee before you get the money. The FTC says that's an advance-fee scam.
  • Payday and car title loans, unless it's a true emergency and you can repay on the due date.
  • Offers to use someone else's SSN or a made-up one. That's fraud, and the loan is yours to repay either way.
  • Contracts you can't read. Get help with English documents before you sign.
  • Loans whose payment takes more than you can spare every month.

Free tool

Credit

Debt-to-income ratio calculator

Add your monthly debt payments and gross income to get your debt-to-income ratio, and see how it compares with common lender limits, including ITIN mortgages.

34% DTI

Try it →

Quick answers

Questions

What lenders accept ITIN numbers?
Credit unions with ITIN programs, community lenders, online lenders like Oportun, and mortgage lenders like First National Bank of America and Angel Oak. Most big banks don't offer personal loans or mortgages to ITIN holders.
Can someone get a loan with an ITIN number?
Yes. Personal loans, car loans, and mortgages are all available with an ITIN instead of an SSN, from a smaller group of lenders. You still need income, a US address, and an acceptable credit file.
What are the requirements to qualify for an ITIN loan?
A valid ITIN, a photo ID like a passport or consular ID, proof of income, and proof of address. Mortgages usually add 2 years of tax returns filed with your ITIN and a down payment of 5% to 20% or more.
Can I get an FHA loan with an ITIN number?
No. HUD requires every FHA borrower to have a valid Social Security number. An ITIN mortgage from a specialist lender or credit union is the alternative.
Are interest rates higher on ITIN loans?
Usually. ITIN mortgages can't be sold to Fannie Mae or Freddie Mac, so rates run above conventional loans. Your credit, income, and down payment still decide the rate.
Are there online lenders that accept an ITIN?
Yes. Oportun takes applications online with an ITIN. Check that any online lender is licensed in your state and never pay an upfront fee.
Does an ITIN loan help my credit score?
It can. If the lender reports to the credit bureaus, on-time payments build your history and late payments hurt it. Ask before you sign.

Sources

  1. FHA Single Family Housing Policy Handbook 4000.1hud.gov
  2. Fannie Mae Selling Guide: general borrower eligibilityselling-guide.fanniemae.com
  3. Regulation B: rules for evaluating credit applicationsecfr.gov
  4. CFPB: costs and fees of a payday loanconsumerfinance.gov
  5. FTC: what to know about advance-fee loansconsumer.ftc.gov
  6. Federal Student Aid Handbook: Social Security numberfsapartners.ed.gov
  7. First National Bank of America: ITIN home loansfnba.com
  8. Angel Oak Mortgage Solutions: ITIN mortgage loanangeloakms.com
  9. HOPE Credit Union: ITIN loanshopecu.org
  10. Cobalt Credit Union: ITIN lendingcobaltcu.com
  11. Oportun: personal loansoportun.com

Join ITIN Club — it's free

Ask members who've already done it, follow the first-year course step by step, and message other members directly. No SSN needed.

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