Home improvement loan lenders in Santa Cruz County, California
Fat Boy Data analyzed home improvement loan activity in Santa Cruz 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. 1,548 applications were decided by 98 lenders between 2023 and 2025.
Santa Cruz County at a glance
How Santa Cruz County compares
What the data shows
Bay Federal Credit Union made the most home improvement loans in Santa Cruz County, CA, 156 of them.
Bay Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 83% of 189.
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 Cruz County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 54% | 118 / 220 | 98% | $115K | 116 |
| 2 | Bay Federal Credit Union | 83% | 156 / 189 | 100% | $115K | 156 |
| 3 | Comerica Bank | 55% | 76 / 138 | 96% | $145K | 73 |
| 4 | U.S. Bank National Association | 49% | 51 / 105 | 98% | $125K | 50 |
| 5 | STAR ONE Credit Union | 69% | 62 / 90 | 89% | $155K | 55 |
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 93 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Santa Cruz 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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