Investment property improvement lenders in Orange County, California
Fat Boy Data analyzed investment home improvement loan activity in Orange 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. 1,463 applications were decided by 114 lenders between 2023 and 2025.
Orange County at a glance
How Orange County compares
What the data shows
Schoolsfirst made the most investment home improvement loans in Orange County, CA, 265 of them.
That is 33% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Sundae Funding, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 33.
Lenders approved 58.7% of investment home improvement loan applications in Orange County, CA, 6.2 percentage points above the California rate of 52.5%.
The typical investment home improvement loan here is $155K, 15% larger than the California typical of $135K.
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.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Investment property improvement lenders in Orange County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Schoolsfirst | 86% | 270 / 315 | 98% | $155K | 265 |
| 2 | Bank of America, National Association | 9% | 11 / 116 | 100% | $325K | 11 |
| 3 | U.S. Bank National Association | 10% | 10 / 101 | 80% | $595K | 8 |
| 4 | Figure Lending LLC | 63% | 62 / 98 | 63% | $155K | 39 |
| 5 | Spring Eq, LLC | 49% | 45 / 91 | 89% | $155K | 40 |
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 109 more lenders.
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You are seeing the 5 largest investment home improvement loan lenders in Orange 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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