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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in California

Fat Boy Data analyzed home improvement loan activity in 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. 263,223 applications were decided by 466 lenders between 2023 and 2025.

California at a glance

466Active lenders213 with 20+ decisions
61.0%Market approval rate160,543 of 263,223 decided
$115KTypical loanmedian lender, $10K brackets
91%Borrower take-up145,410 loans funded

How California compares

Approval rate compared
California61.0%All 616 counties62.7%
Typical loan compared
California$115KAll 616 counties$75K

What the data shows

Bank of America, National Association made the most home improvement loans in California, 16,554 of them.

Provident Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 98% of 864.

The typical home improvement loan here is $115K, 53% 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: 28% approved of 7,875Truist Bank: 30% approved of 792Arrowhead Federal Credit Union: 36% approved of 4,239U.S. Bank National Association: 43% approved of 21,367Bank of America, National Association: 44% approved of 38,983Citibank, National Association: 44% approved of 1,356Spring Eq, LLC: 45% approved of 14,533Alliant Credit Union: 45% approved of 1,724BMO Bank National Association: 46% approved of 4,620Banner Bank: 48% approved of 1,892Educational Employees Credit Union: 48% approved of 3,138Fourleaf: 50% approved of 2,065California Credit Union: 51% approved of 3,782Wells Fargo Bank, National Association: 51% approved of 614Loandepot.Com, LLC: 52% approved of 804Pentagon Federal Credit Union: 53% approved of 2,727Comerica Bank: 55% approved of 2,794Third Federal Savings And Loan Association Of Cleveland: 59% approved of 3,969Sesloc: 60% approved of 828First Bank: 60% approved of 605NuVision Federal Credit Union: 60% approved of 1,085Tri Counties Bank: 60% approved of 867Zions Bancorporation, N.A.: 61% approved of 1,228PARTNERS Federal Credit Union: 61% approved of 732San Diego County Credit Union: 62% approved of 1,738Noble: 62% approved of 767Navy Federal Credit Union: 63% approved of 10,528PNC Bank, National Association: 63% approved of 4,321The Golden 1: 65% approved of 9,292Kind Lending, LLC: 66% approved of 963Valley Strong Credit Union: 67% approved of 1,324Patelco Credit Union: 67% approved of 2,659Figure Lending LLC: 68% approved of 11,893Meriwest: 69% approved of 679Columbia Bank: 69% approved of 790Guaranteed Rate, Inc.: 69% approved of 786Wescom Central Credit Union: 70% approved of 4,028Nationstar Mortgage LLC: 70% approved of 1,284The Loan Store, Inc.: 70% approved of 2,811Financial Partners Credit Union: 71% approved of 2,149New American Funding, LLC: 71% approved of 1,095STAR ONE Credit Union: 72% approved of 2,0421St United Services Credit Union: 72% approved of 976Homebridge Financial Services, Inc.: 72% approved of 3,975Technology Credit Union: 73% approved of 1,327First Entertainment: 74% approved of 791Fremont Bank: 75% approved of 2,315Rocket Mortgage, LLC: 77% approved of 1,267JPMorgan Chase Bank, National Association: 77% approved of 1,257Logix Federal Credit Union: 77% approved of 2,769Travis Credit Union: 79% approved of 1,126Mission Federal Credit Union: 81% approved of 3,601Redwood: 84% approved of 3,125Safe: 85% approved of 1,231Pacific Service Credit Union: 86% approved of 935Schoolsfirst: 89% approved of 16,333Firefighters First Federal Credit Union: 91% approved of 864California Coast Credit Union: 93% approved of 3,117Coastal Community Bank: 97% approved of 8,174Provident Credit Union: 98% approved of 864

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

Home improvement loan lenders in California

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association44%17,044 / 38,98397%$145K16,554
2U.S. Bank National Association43%9,191 / 21,36797%$155K8,880
3Schoolsfirst89%14,574 / 16,33399%$105K14,370
4Spring Eq, LLC45%6,521 / 14,53396%$105K6,270
5Figure Lending LLC68%8,101 / 11,89367%$105K5,412

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 461 more lenders.

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Other lending data for California

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Counties in California

Los Angeles CountyCountySan Diego CountyCountyOrange CountyCountyRiverside CountyCountySan Bernardino CountyCountySanta Clara CountyCountyAlameda CountyCountySacramento CountyCountyContra Costa CountyCountyFresno CountyCountyKern CountyCountyVentura CountyCounty