ITIN Credit by State — the 10 largest ITIN populations
ITIN-friendly lenders, state laws and IRS resources vary state by state. Hand-written guides for the 10 largest ITIN populations in the U.S.
California
Highest ITIN population in the U.S. SB 1157 rent reporting and CA-only CDFI access make the state a unique credit-building environment.
Read guideTexas
No state income tax simplifies ITIN filings. Strong network of community banks along the border, but heavy payday-lender presence to navigate.
Read guideFlorida
Miami is the largest ITIN mortgage market in the country. Watch for misleading 'foreign national' loan offers vs true ITIN mortgages.
Read guideNew York
NY DFS oversees ITIN lenders aggressively, and IDNYC opens additional financial doors. NYC tenant protections also help rent reporting work.
Read guideNew Jersey
Dense ITIN-friendly credit union network across Hudson and Passaic counties. NJ state ID accepted by most local lenders.
Read guideIllinois
Chicago's Inclusiv-member CDFIs lead the Midwest for ITIN auto loans. Illinois Predatory Loan Prevention Act caps APRs at 36%.
Read guideArizona
Phoenix has the fastest-growing ITIN homeowner population. Border credit unions in Nogales and Yuma offer some of the most flexible underwriting.
Read guideGeorgia
Atlanta metro is the fastest-growing ITIN market in the Southeast. Few ITIN-friendly lenders historically — that's now changing fast.
Read guideNorth Carolina
Home of Self-Help and Latino Community CU — two of the most ITIN-friendly lenders in the country, with mortgages from $25K and up.
Read guideWashington
Washington's CDFI law is among the nation's strongest. Yakima Valley has surprisingly deep ITIN auto-loan options through Inclusiv credit unions.
Read guideDon't see your state? The core ITIN credit-building playbook works in all 50 states — start with the national guide. National guide →