Home improvement loan lenders in Madera County, California
Fat Boy Data analyzed home improvement loan activity in Madera 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. 1,204 applications were decided by 84 lenders between 2023 and 2025.
Madera County at a glance
How Madera County compares
What the data shows
The Golden 1 made the most home improvement loans in Madera County, CA, 105 of them.
Navy Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 75% of 20.
Lenders approved 51.5% of home improvement loan applications in Madera County, CA, 9.5 percentage points below the California rate of 61.0%.
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.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Madera County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Educational Employees Credit Union | 47% | 107 / 229 | 86% | $75K | 92 |
| 2 | The Golden 1 | 57% | 109 / 190 | 96% | $65K | 105 |
| 3 | Bank of America, National Association | 25% | 36 / 143 | 97% | $85K | 35 |
| 4 | U.S. Bank National Association | 38% | 36 / 94 | 92% | $85K | 33 |
| 5 | Spring Eq, LLC | 51% | 46 / 90 | 96% | $85K | 44 |
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 79 more lenders.
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