Investment property improvement lenders in Clay County, Florida
Fat Boy Data analyzed investment home improvement loan activity in Clay County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 101 applications were decided by 28 lenders between 2023 and 2025.
Clay County at a glance
How Clay County compares
What the data shows
Navy Federal Credit Union made the most investment home improvement loans in Clay County, FL, 13 of them.
That is 32% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Navy Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 35% of 37.
The typical investment home improvement loan here is $85K, 41% smaller than the Florida typical of $145K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Clay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | 35% | 13 / 37 | 100% | $75K | 13 |
| 2 | Figure Lending LLCLimited sample | 67% | 8 / 12 | 88% | $145K | 7 |
| 3 | Spring Eq, LLCLimited sample | 0% | 0 / 5 | — | — | 0 |
| 4 | Homebridge Financial Services, Inc.Limited sample | 100% | 5 / 5 | 80% | $85K | 4 |
| 5 | TD Bank, National AssociationLimited sample | 20% | 1 / 5 | 100% | $35K | 1 |
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 23 more lenders.
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