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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in California

Fat Boy Data analyzed investment 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. 18,741 applications were decided by 332 lenders between 2023 and 2025.

California at a glance

332Active lenders91 with 20+ decisions
52.5%Market approval rate9,837 of 18,741 decided
$135KTypical loanmedian lender, $10K brackets
91%Borrower take-up8,933 loans funded

How California compares

Approval rate compared
California52.5%All 616 counties51.2%
Typical loan compared
California$135KAll 616 counties$115K

What the data shows

Schoolsfirst made the most investment home improvement loans in California, 786 of them.

Genesis Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 72.

The typical investment home improvement loan here is $135K, 17% larger than the the United States typical of $115K.

No lender with a meaningful sample here has a typical investment 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: 0% approved of 59U.S. Bank National Association: 10% approved of 1,139Bank of America, National Association: 11% approved of 1,486Alliant Credit Union: 25% approved of 57Navy Federal Credit Union: 25% approved of 1,080BMO Bank National Association: 27% approved of 759Comerica Bank: 29% approved of 82Spring Eq, LLC: 30% approved of 1,137Pentagon Federal Credit Union: 31% approved of 107Zions Bancorporation, N.A.: 35% approved of 234Southland Credit Union: 41% approved of 76PNC Bank, National Association: 42% approved of 176Noble: 43% approved of 87Wells Fargo Bank, National Association: 43% approved of 233Patelco Credit Union: 44% approved of 39Banner Bank: 45% approved of 240Columbia Bank: 45% approved of 53The Golden 1: 46% approved of 654Technology Credit Union: 49% approved of 53Valley Strong Credit Union: 52% approved of 126Citibank, National Association: 52% approved of 42UNCLE Credit Union: 53% approved of 74Wescom Central Credit Union: 53% approved of 247Travis Credit Union: 55% approved of 441St United Services Credit Union: 57% approved of 138Boeing Employees Credit Union: 57% approved of 54Better Mortgage Corporation: 58% approved of 50Kind Lending, LLC: 60% approved of 428Mechanics Bank: 60% approved of 48Deephaven Mortgage LLC: 60% approved of 440City National Bank: 63% approved of 43Meriwest: 63% approved of 92The Loan Store, Inc.: 64% approved of 286Figure Lending LLC: 68% approved of 1,192Fremont Bank: 68% approved of 432New American Funding, LLC: 69% approved of 87Logix Federal Credit Union: 70% approved of 119Pacific Service Credit Union: 72% approved of 79Chevron Federal Credit Union: 72% approved of 47Redwood: 73% approved of 348Guaranteed Rate, Inc.: 74% approved of 116Crosscountry Mortgage, LLC: 74% approved of 94Bank of Marin: 75% approved of 59JPMorgan Chase Bank, National Association: 75% approved of 296Hsbc Bank USA, N.A.tional Association: 75% approved of 44Rocket Mortgage, LLC: 76% approved of 456Homebridge Financial Services, Inc.: 78% approved of 981Morgan Stanley Private Bank, National Association: 79% approved of 43Sierra Pacific Mortgage Company, Inc.: 80% approved of 54Schoolsfirst: 80% approved of 1,000First Technology Federal Credit Union: 85% approved of 82California Coast Credit Union: 88% approved of 280East West Bank: 89% approved of 312Paramount Residential Mortgage Group, Inc.: 95% approved of 65Coastal Community Bank: 96% approved of 141Arixa Enhanced Income Fund, L.P.: 97% approved of 93First Republic Bank: 97% approved of 63Sundae Funding, Inc.: 98% approved of 455Merchants Mortgage & Trust Corporation, LLC: 98% approved of 59Genesis Capital, LLC: 100% approved of 72

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

Investment property improvement lenders in California

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association11%157 / 1,48697%$245K153
2Figure Lending LLC68%806 / 1,19264%$115K519
3U.S. Bank National Association10%110 / 1,13997%$255K107
4Spring Eq, LLC30%345 / 1,13792%$115K319
5Navy Federal Credit Union25%269 / 1,08096%$105K257

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 327 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