Home improvement loan lenders in Santa Clara County, California
Fat Boy Data analyzed home improvement loan activity in Santa Clara 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. 9,756 applications were decided by 160 lenders between 2023 and 2025.
Santa Clara County at a glance
How Santa Clara County compares
What the data shows
Bank of America, National Association made the most home improvement loans in Santa Clara County, CA, 810 of them.
STANFORD Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 141.
The typical home improvement loan here is $225K, 96% larger 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 Santa Clara County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 51% | 829 / 1,622 | 98% | $245K | 810 |
| 2 | STAR ONE Credit Union | 73% | 782 / 1,069 | 94% | $225K | 733 |
| 3 | Technology Credit Union | 77% | 551 / 715 | 86% | $255K | 473 |
| 4 | U.S. Bank National Association | 45% | 298 / 658 | 96% | $255K | 287 |
| 5 | Meriwest | 71% | 332 / 465 | 100% | $215K | 332 |
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 155 more lenders.
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