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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Butte County, California

Fat Boy Data analyzed home improvement loan activity in Butte County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,114 applications were decided by 80 lenders between 2023 and 2025.

Butte County at a glance

80Active lenders12 with 20+ decisions
58.4%Market approval rate650 of 1,114 decided
$75KTypical loanmedian lender, $10K brackets
91%Borrower take-up592 loans funded

How Butte County compares

Approval rate compared
Butte County58.4%California61.0%All 616 counties62.7%
Typical loan compared
Butte County$75KCalifornia$115KAll 616 counties$75K

What the data shows

Tri Counties Bank made the most home improvement loans in Butte County, CA, 92 of them.

Schoolsfirst approved the highest share of applications among lenders with at least 20 decisions here, 82% of 28.

The typical home improvement loan here is $75K, 35% smaller than the California typical of $115K.

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 12 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 29% approved of 38Spring Eq, LLC: 32% approved of 47Bank of America, National Association: 40% approved of 175BMO Bank National Association: 46% approved of 35Banner Bank: 47% approved of 30U.S. Bank National Association: 55% approved of 113The Golden 1: 61% approved of 142Tri Counties Bank: 62% approved of 159Figure Lending LLC: 67% approved of 46Columbia Bank: 76% approved of 29Schoolsfirst: 82% approved of 28Coastal Community Bank: 100% approved of 33

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

Home improvement loan lenders in Butte County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association40%70 / 17599%$105K69
2Tri Counties Bank62%98 / 15994%$105K92
3The Golden 161%87 / 14295%$75K83
4U.S. Bank National Association55%62 / 11397%$75K60
5Spring Eq, LLC32%15 / 47100%$65K15

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 75 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Butte County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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