Home improvement loan lenders in San Joaquin County, California
Fat Boy Data analyzed home improvement loan activity in San Joaquin 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. 5,385 applications were decided by 153 lenders between 2023 and 2025.
San Joaquin County at a glance
How San Joaquin County compares
What the data shows
Bank of America, National Association made the most home improvement loans in San Joaquin County, CA, 282 of them.
Pacific Service Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 86% of 42.
Lenders approved 55.2% of home improvement loan applications in San Joaquin County, CA, 5.8 percentage points below the California rate of 61.0%.
The typical home improvement loan here is $95K, 17% 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 San Joaquin County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 34% | 287 / 855 | 98% | $105K | 282 |
| 2 | The Golden 1 | 59% | 257 / 433 | 98% | $85K | 252 |
| 3 | U.S. Bank National Association | 37% | 157 / 427 | 97% | $95K | 152 |
| 4 | Spring Eq, LLC | 43% | 179 / 416 | 99% | $85K | 177 |
| 5 | Figure Lending LLC | 67% | 190 / 285 | 69% | $65K | 131 |
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 148 more lenders.
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