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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Arizona

Fat Boy Data analyzed home improvement loan activity in Arizona to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 75,624 applications were decided by 342 lenders between 2023 and 2025.

Arizona at a glance

342Active lenders103 with 20+ decisions
65.1%Market approval rate49,211 of 75,624 decided
$105KTypical loanmedian lender, $10K brackets
89%Borrower take-up43,648 loans funded

How Arizona compares

Approval rate compared
Arizona65.1%All 616 counties62.7%
Typical loan compared
Arizona$105KAll 616 counties$75K

What the data shows

Desert Financial Credit Union made the most home improvement loans in Arizona, 12,322 of them.

That is 28% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Mayo Employees Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 92% of 91.

The typical home improvement loan here is $105K, 40% larger than the the United States typical of $75K.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 39% approved of 2,009Spring Eq, LLC: 44% approved of 2,511U.S. Bank National Association: 45% approved of 3,089Bank of America, National Association: 46% approved of 7,114Wells Fargo Bank, National Association: 48% approved of 221Alliant Credit Union: 48% approved of 369BOKF, National Association: 52% approved of 258Comerica Bank: 53% approved of 350Global Federal Credit Union: 54% approved of 162Fourleaf: 55% approved of 342BMO Bank National Association: 55% approved of 1,420HTLF Bank: 55% approved of 152Third Federal Savings And Loan Association Of Cleveland: 57% approved of 143Mountain America Federal Credit Union: 57% approved of 1,619OneAZ Credit Union: 59% approved of 3,060Pentagon Federal Credit Union: 60% approved of 598Loandepot.Com, LLC: 61% approved of 206PNC Bank, National Association: 62% approved of 1,637New American Funding, LLC: 64% approved of 257Zions Bancorporation, N.A.: 64% approved of 1,493Glacier Bank: 65% approved of 130Credit Union West: 66% approved of 1,209Navy Federal Credit Union: 67% approved of 2,410Cmg Mortgage, Inc.: 68% approved of 94Boeing Employees Credit Union: 68% approved of 193Baxter Credit Union: 69% approved of 94Desert Financial Credit Union: 69% approved of 19,815American Airlines Federal Credit Union: 69% approved of 265UMB Bank, National Association: 70% approved of 243Wafd Bank: 70% approved of 168Kind Lending, LLC: 70% approved of 105Figure Lending LLC: 71% approved of 2,501Arizona Financial Credit Union: 71% approved of 3,827Guaranteed Rate, Inc.: 72% approved of 164FirstBank: 74% approved of 182Crosscountry Mortgage, LLC: 74% approved of 164Arizona Central Credit Union: 74% approved of 886Vantage West: 75% approved of 3,385Hughes Federal Credit Union: 76% approved of 784The Loan Store, Inc.: 76% approved of 557First Credit Union: 77% approved of 167Homebridge Financial Services, Inc.: 77% approved of 566Rocket Mortgage, LLC: 77% approved of 430Nationstar Mortgage LLC: 78% approved of 347AMERICA FIRST Federal Credit Union: 79% approved of 1,041Pinal County: 79% approved of 128Fairway Independent Mortgage Corporation: 79% approved of 110JPMorgan Chase Bank, National Association: 81% approved of 420Copper State Credit Union: 81% approved of 523Bell Bank: 82% approved of 528PIMA Federal Credit Union: 83% approved of 635Trustone Financial Credit Union: 83% approved of 146Aero Federal Credit Union: 84% approved of 178SunWest Federal Credit Union: 86% approved of 156Tucson Federal Credit Union: 86% approved of 753Lendage, LLC: 86% approved of 206Homeowners Financial Group USA, LLC: 90% approved of 168Firefighters First Federal Credit Union: 91% approved of 130Mayo Employees Federal Credit Union: 92% approved of 91Coastal Community Bank: 98% approved of 1,904

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Arizona

LenderApprovalApprovedTaken upTypical loanLoans made
1Desert Financial Credit Union69%13,758 / 19,81590%$105K12,322
2Bank of America, National Association46%3,281 / 7,11498%$105K3,209
3Arizona Financial Credit Union71%2,726 / 3,82782%$55K2,224
4Vantage West75%2,536 / 3,38576%$65K1,931
5U.S. Bank National Association45%1,382 / 3,08996%$95K1,329

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 337 more lenders.

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Other lending data for Arizona

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Counties in Arizona

Maricopa CountyCountyPima CountyCountyPinal CountyCountyYavapai CountyCountyMohave CountyCountyYuma CountyCountyCoconino CountyCountyCochise CountyCountyNavajo CountyCounty