11 Best Mortgage Lenders for ITIN Loans
Last updated on December 10, 2025
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ITIN loans are for borrowers who are ineligible for Social Security numbers. You can use a U.S. individual taxpayer identification number and other documents to apply for an ITIN mortgage.
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Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
11 Best Mortgage Lenders for ITIN Loans
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Lender | NerdWallet Rating | Min. credit score | Min. down payment | Learn more |
|---|---|---|---|---|
580 | N/A | |||
620 | 3% | |||
620 | 3% | |||
620 | 3% | |||
620 | 3% |
New American Funding: Best for flexible lending options
Min. credit score
580
Min. down payment
N/A
- Why we like itNew American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.Pros
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
ConsRead full review- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
NBKC: Best for competitive rates and fees
Min. credit score
620
Min. down payment
3%
- Why we like itNBKC stands out for its attractive interest rates and fees, and is primarily an online lender — though its app does not have mortgage features and chat support is not geared toward mortgage borrowers.Pros
- Competitive interest rates and fees.
- Offers most common loan types, as well as a handful of specialty loans.
- Payouts are available to borrowers whose loans don’t close on time.
ConsRead full review- Customer service is only accessible over the phone for many mortgage customers.
- Does not offer renovation loans.
- Home equity products are not currently a lending priority.
CrossCountry Mortgage: Best for fast closing
Min. credit score
620
Min. down payment
3%
- Why we like itCrossCountry Mortgage stands out for its wide range of loan types, including FHA loans and less common options. Down payment assistance is available. However, the lender earns relatively low marks for customer satisfaction during origination.Pros
- Reported average time to close is 21 days, far shorter than the national average.
- Borrowers with credit scores as low as 500 may qualify for a mortgage.
- Down payment grants up to $5,250 is available for qualified first-time home buyers.
ConsRead full review- Rates aren’t posted online.
- Borrowers can’t apply online without talking to a loan officer first.
- Mobile app is not geared toward borrowers.
Rate: Best for nontraditional credit histories
Min. credit score
620
Min. down payment
3%
- Why we like itRate boasts a streamlined application process, with full underwriting in as little as one business day — though for all its online conveniences, you'll still work with a human.Pros
- Fully underwritten mortgage approval in as little as one day for qualified borrowers.
- Generous selection of loans, including government-backed, interest-only, jumbo and renovation.
- Advertises a fixed-rate HELOC that can be funded in as few as five business days.
ConsRead full review- Some affordable loan options have income limits or other restrictions.
- Details of less common loan types aren't available on the lender's website.
- HELOC requires immediate, full withdrawal of funds, though there is an option to make additional draws.
PNC Bank: Best for first-time home buyers
Min. credit score
620
Min. down payment
3%
- Why we like itPNC Bank has solid options for budgets large and small. Though average interest rates are on the high side, its wide selection of loans (even for lower credit scores) could be a good pick for first-time home buyers seeking a streamlined digital experience.Pros
- Solid variety of mortgage types, both standard and harder-to-find.
- Online rate quotes are informative and easy to customize.
- Offers down payment grants and no-PMI loans for low-income borrowers.
ConsRead full review- Some of the highest average interest rates of all lenders we review.
- HELOC and construction/lot loans not available in all states.
- In-person service not available in all states.
PrimeLending: Best for fast closing
Min. credit score
620
Min. down payment
3%
- Why we like itPrimeLending stands out for its harder-to-find mortgages, including renovation loans and options for self-employed borrowers, though online rate shopping isn't available. Most likely to appeal to buyers who need help with closing costs or want to finance a fixer-upper.Pros
- Offers closing cost assistance to some borrowers.
- Wide variety of loan types, including non-QM loans.
- Mortgages are available for manufactured homes, including 3D-printed houses.
ConsRead full review- Loans are not available in all states.
- Rates are not posted online.
- Average origination fees are on the high side, according to the latest federal data.
State Employees' Credit Union: Best for North Carolina borrowers
Min. credit score
N/A
Min. down payment
0%
- Why we like itState Employees’ Credit Union in North Carolina is worth checking out for those in the Southeast who meet its narrow membership criteria — especially first-time home buyers eligible for generous grants and specialty loans. But it doesn’t offer government-backed mortgages.Pros
- Offers a zero-down mortgage without private mortgage insurance.
- Participates in multiple first-time buyer assistance programs.
- Low average mortgage rates, according to the latest federal data.
ConsRead full review- Credit union membership eligibility is limited.
- Loans only available in five states.
- Doesn’t offer government-backed mortgages.
Guild Mortgage: Best for nontraditional credit histories
Min. credit score
620
Min. down payment
3%
- Why we like itGuild Mortgage offers a wide range of products that may attract nontraditional borrowers, including loans with 0% or 1% down. However, interest rates aren’t published online, making it harder to shop around.Pros
- Offers a wide range of loans, including harder-to-find products that appeal to nontraditional borrowers.
- Borrowers can get a mortgage with 0% or 1% down.
- Borrowers can apply via mobile app.
ConsRead full review- Mortgage rates aren’t posted online.
- Origination fees are on the high side, according to the latest national data.
- Licensed in most states, but not all.
Carrington: Best for nontraditional credit histories
Min. credit score
620
Min. down payment
3%
- Why we like itCarrington Mortgage offers specialty loans for people who might have trouble getting a mortgage elsewhere, like self-employed borrowers or those with heavy debt. Average rates are low, though fees are on the higher side.Pros
- Low average mortgage rates, according to the latest federal data.
- Considers borrowers with bad credit, foreclosure or bankruptcy.
- Options for self-employed borrowers and alternative income documentation.
ConsRead full review- Rates are posted online, but website navigation is clunky.
- Average origination fee is on the higher side, according to the latest federal data.
- Offers home equity loans, but no HELOCs.
loanDepot: Best for streamlined process
Min. credit score
620
Min. down payment
3%
- Why we like itLoanDepot, one of the country’s largest mortgage lenders, has faced negative headlines recently. It offers a wide range of mortgages, including the harder-to-find FHA 203(k) renovation loan. Federal data tells us average mortgage rates are on the low side, but that’s not easy to discover: LoanDepot doesn’t post rates on its website.Pros
- Average interest rates are on the lower side, according to the latest federal data.
- Wide variety of loan types, including specialty mortgages.
- Multiple options to fund home renovations, including construction loans and equity products.
ConsRead full review- No mortgage rates posted online.
- Average origination fee is on the higher side, according to the latest federal data.
- Recent headlines have damaged consumer trust.
Wells Fargo: Best for Wells Fargo customers
Min. credit score
620
Min. down payment
3%
- Why we like itWells Fargo has significantly shrunk its mortgage business in the past two years, dropping from the third largest mortgage originator in 2023 to the twelfth largest in 2024. It was still the fourth largest jumbo loan originator in the country last year.Pros
- Borrowers can see customized mortgage rate estimates for conventional and VA loans.
- Offers relatively low interest rates, according to the latest federal data.
- Discounts may be available for existing Wells Fargo customers.
- Rate-and-term refinance interest rates offered are lower than average, according to the latest federal data.
ConsRead full review- Does not offer home equity loans or HELOCs.
- Borrowers need at least $250,000 in assets with the bank to qualify for a rate discount.
- Prospective borrowers may be put off by the lender’s past legal issues.
What is an ITIN?
An ITIN, or individual taxpayer identification number, is a number issued by the Internal Revenue Service to someone who isn't eligible to have a Social Security number but is required to file a federal tax return. Immigrants who are living and working here legally but aren't U.S. citizens are among those who may need ITINs. The IRS website has instructions on how to apply for an ITIN.
What are ITIN mortgages?
ITIN mortgages are home loans for people who don't have and aren't eligible to get Social Security numbers. A borrower applies for an ITIN mortgage by providing an individual taxpayer identification number and other documentation.
Where can I find ITIN loans?
Only certain banks, credit unions and other lenders offer ITIN loans, so you may need to do more shopping around than an applicant would for a traditional mortgage. Not all lenders that offer ITIN loans make that information easy to find — for example, by featuring ITIN loans on their websites — so you may need to make some phone calls to confirm availability and details.
Qualifying for an ITIN mortgage
Mortgage lenders usually use an applicant's Social Security number to track down the person's credit history from the credit reporting bureaus. Without a Social Security number, lenders must rely on other documentation, such as tax returns, bank statements and utility bills.
The documentation and credit requirements vary by lender, but for an ITIN loan you'll generally need to show proof of two years of employment and two years of tax returns and be prepared to make a higher down payment than for a traditional mortgage. The down payment requirement for an ITIN mortgage is typically 10% to 20%, and applicants may need to show they have a certain amount of cash reserves.
What are interest rates like for ITIN loans?
ITIN loans tend to have higher mortgage interest rates than conventional home loans, because lenders consider ITIN loans to be higher risk. In addition to not being able to pull a credit history for the borrower, lenders typically need to keep ITIN mortgages on their own books, because these nonconforming loans are not government-backed and generally can't be resold. Lenders will charge a bit more to cover the risk of being stuck with the loan in case of borrower default.
Last updated on December 10, 2025
Methodology
The star ratings on this page reflect each lender's home loans overall star ratings. Read more about how we determine those ratings.
The lenders on this page are chosen using this methodology:
NerdWallet reviewed 40 mortgage lenders, including the majority of the largest U.S. mortgage lenders by annual loan volume (measured among lenders with at least a 1% market share), lenders with significant online search volume, and those that specialize in serving various audiences across the country.
For inclusion in this roundup, lenders must offer ITIN mortgage loans and achieve at least an overall 4-star rating from NerdWallet.
NerdWallet solicits information from reviewed lenders on a recurring basis throughout the year. All lender-provided information is verified through lender websites and surveys. We also used 2024 HMDA data for origination volume, origination fee, rate spread and share-of-product data.
