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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in San Diego County, California

Fat Boy Data analyzed home improvement loan activity in San Diego 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. 29,529 applications were decided by 231 lenders between 2023 and 2025.

San Diego County at a glance

231Active lenders66 with 20+ decisions
65.5%Market approval rate19,350 of 29,529 decided
$105KTypical loanmedian lender, $10K brackets
92%Borrower take-up17,762 loans funded

How San Diego County compares

Approval rate compared
San Diego County65.5%California61.0%All 616 counties62.7%
Typical loan compared
San Diego County$105KCalifornia$115KAll 616 counties$75K

What the data shows

Mission Federal Credit Union made the most home improvement loans in San Diego County, CA, 2,764 of them.

First Technology Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 96% of 69.

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: 30% approved of 715Truist Bank: 32% approved of 91BMO Bank National Association: 42% approved of 129Loandepot.Com, LLC: 45% approved of 71Citibank, National Association: 46% approved of 70U.S. Bank National Association: 48% approved of 2,522Bank of America, National Association: 49% approved of 2,869Spring Eq, LLC: 50% approved of 1,654Alliant Credit Union: 50% approved of 138Fourleaf: 54% approved of 235Wells Fargo Bank, National Association: 54% approved of 50Pentagon Federal Credit Union: 54% approved of 333City National Bank: 55% approved of 44Banner Bank: 55% approved of 515Comerica Bank: 55% approved of 397The Golden 1: 56% approved of 100California Credit Union: 57% approved of 1,233Connexus Credit Union: 57% approved of 40Cmg Mortgage, Inc.: 60% approved of 25PNC Bank, National Association: 61% approved of 390HomeStreet Bank: 61% approved of 44San Diego County Credit Union: 62% approved of 1,470Zions Bancorporation, N.A.: 64% approved of 344Nationstar Mortgage LLC: 64% approved of 106Third Federal Savings And Loan Association Of Cleveland: 65% approved of 442Guaranteed Rate, Inc.: 66% approved of 97Navy Federal Credit Union: 67% approved of 3,806Synergy One Lending, Inc.: 67% approved of 84American Airlines Federal Credit Union: 67% approved of 24The Loan Store, Inc.: 67% approved of 298Financial Partners Credit Union: 67% approved of 83Columbia Bank: 68% approved of 25JPMorgan Chase Bank, National Association: 68% approved of 101New American Funding, LLC: 70% approved of 86NuVision Federal Credit Union: 70% approved of 27Figure Lending LLC: 71% approved of 1,424Homebridge Financial Services, Inc.: 72% approved of 581Frontwave Credit Union: 75% approved of 128Movement Mortgage, LLC: 76% approved of 29Rocket Mortgage, LLC: 77% approved of 94Baxter Credit Union: 77% approved of 26Kind Lending, LLC: 77% approved of 105Wescom Central Credit Union: 78% approved of 107State Department Federal Credit Union: 78% approved of 27First-Citizens Bank & Trust Company: 79% approved of 63Onity Mortgage Corporation: 80% approved of 30Crosscountry Mortgage, LLC: 80% approved of 82STAR ONE Credit Union: 81% approved of 26Mission Federal Credit Union: 81% approved of 3,601Patelco Credit Union: 83% approved of 23Firefighters First Federal Credit Union: 85% approved of 26Finance of America Reverse LLC: 85% approved of 34Lendage, LLC: 86% approved of 44NORTHROP GRUMMAN Federal Credit Union: 87% approved of 23USAlliance Federal Credit Union: 89% approved of 56Schoolsfirst: 91% approved of 350Fundloans Capital: 93% approved of 28California Coast Credit Union: 93% approved of 2,442First Technology Federal Credit Union: 96% approved of 69Coastal Community Bank: 98% approved of 676

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

Home improvement loan lenders in San Diego County

LenderApprovalApprovedTaken upTypical loanLoans made
1Navy Federal Credit Union67%2,537 / 3,80697%$105K2,472
2Mission Federal Credit Union81%2,911 / 3,60195%$105K2,764
3Bank of America, National Association49%1,401 / 2,86997%$155K1,364
4U.S. Bank National Association48%1,209 / 2,52297%$155K1,168
5California Coast Credit Union93%2,277 / 2,44299%$125K2,243

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 226 more lenders.

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Other lending data for San Diego County

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Nearby markets

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