August 4, 2026, Mortgage Research Network, Government Issues New Guidance on ITIN Lending
So, how many ITIN-based mortgage applications are at stake? We couldn’t find recent data, but CNBC cites some from 2023: “[The Urban Institute] estimated that a small number — 5,000 to 6,000 — of ITIN mortgages were made in 2023. For context, there were about 4.6 million mortgage originations in 2023, according to the National Community Reinvestment Coalition, an equity advocacy group.”
That’s one in every 770 new mortgages. It’s not nothing, but a long way from being a systemic risk to the financial system.
