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White Paper

Unlocking credit potential: the financial behavior and creditworthiness of ITIN holders

Published January 12, 2026

Credit & Economic Trends Financial Inclusion Risk Management
Unlocking credit potential: the financial behavior and creditworthiness of ITIN holders

ITIN holders are active, responsible participants in the U.S. credit economy — yet many remain overlooked by traditional lending models.

Our white paper takes a closer look at this financially active and resilient population, revealing key insights into their credit performance and long-term growth potential.

Some findings include:

  • Most ITIN holders are concentrated in states that represent a large share of the U.S. economy: California, Texas and New York.
  • 76.9% of ITIN holders remained current on trades after 12 months, a rate 15% higher than SSN consumers.
  • ITIN holders maintain a lower debt-to-income ratio (25%) than SSN consumers.

Read the full white paper for more insights.

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Explore key trends shaping the U.S. labor market and how workers are faring in today's economy.

  • Examine job creation, unemployment and wage growth
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