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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Sacramento County, California

Fat Boy Data analyzed home improvement loan activity in Sacramento 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. 12,711 applications were decided by 179 lenders between 2023 and 2025.

Sacramento County at a glance

179Active lenders48 with 20+ decisions
64.5%Market approval rate8,205 of 12,711 decided
$85KTypical loanmedian lender, $10K brackets
92%Borrower take-up7,585 loans funded

How Sacramento County compares

Approval rate compared
Sacramento County64.5%California61.0%All 616 counties62.7%
Typical loan compared
Sacramento County$85KCalifornia$115KAll 616 counties$75K

What the data shows

The Golden 1 made the most home improvement loans in Sacramento County, CA, 2,170 of them.

That is 29% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Provident Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 30.

The typical home improvement loan here is $85K, 26% 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 48 lenders with 20+ decisions here
0%25%50%75%100%Truist Bank: 30% approved of 20Discover Bank: 32% approved of 454Bank of America, National Association: 40% approved of 1,453U.S. Bank National Association: 40% approved of 820Alliant Credit Union: 43% approved of 58Wells Fargo Bank, National Association: 45% approved of 22Comerica Bank: 45% approved of 22BMO Bank National Association: 50% approved of 153Spring Eq, LLC: 50% approved of 825Citibank, National Association: 55% approved of 22Pentagon Federal Credit Union: 55% approved of 82Fourleaf: 56% approved of 61Banner Bank: 56% approved of 94Tri Counties Bank: 56% approved of 78Navy Federal Credit Union: 60% approved of 200STAR ONE Credit Union: 61% approved of 28Third Federal Savings And Loan Association Of Cleveland: 64% approved of 177New American Funding, LLC: 65% approved of 37PNC Bank, National Association: 65% approved of 114Columbia Bank: 66% approved of 68Patelco Credit Union: 69% approved of 307The Golden 1: 69% approved of 3,244First Bank: 70% approved of 27Rocket Mortgage, LLC: 71% approved of 49SACRAMENTO Credit Union: 72% approved of 261Travis Credit Union: 73% approved of 77Figure Lending LLC: 73% approved of 429Heritage Community: 74% approved of 34Fremont Bank: 75% approved of 56Nationstar Mortgage LLC: 77% approved of 90Loandepot.Com, LLC: 79% approved of 33Homebridge Financial Services, Inc.: 79% approved of 166Kind Lending, LLC: 79% approved of 48The Loan Store, Inc.: 82% approved of 131Safe: 85% approved of 751Bank of Marin: 85% approved of 20Pacific Service Credit Union: 87% approved of 61Sierra Pacific Mortgage Company, Inc.: 88% approved of 24Schoolsfirst: 88% approved of 946El Dorado Savings Bank, F.S.B.: 88% approved of 33First Technology Federal Credit Union: 89% approved of 27Firefighters First Federal Credit Union: 90% approved of 39Guaranteed Rate, Inc.: 91% approved of 23USAlliance Federal Credit Union: 92% approved of 39JPMorgan Chase Bank, National Association: 94% approved of 32Lendage, LLC: 94% approved of 35Coastal Community Bank: 97% approved of 347Provident Credit Union: 100% approved of 30

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

Home improvement loan lenders in Sacramento County

LenderApprovalApprovedTaken upTypical loanLoans made
1The Golden 169%2,243 / 3,24497%$85K2,170
2Bank of America, National Association40%578 / 1,45396%$105K557
3Schoolsfirst88%831 / 94698%$75K818
4Spring Eq, LLC50%411 / 82594%$75K388
5U.S. Bank National Association40%328 / 82096%$105K315

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 174 more lenders.

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Other lending data for Sacramento County

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