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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Florida

Fat Boy Data analyzed home improvement loan activity in 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. 212,866 applications were decided by 602 lenders between 2023 and 2025.

Florida at a glance

602Active lenders187 with 20+ decisions
53.6%Market approval rate114,170 of 212,866 decided
$75KTypical loanmedian lender, $10K brackets
89%Borrower take-up101,945 loans funded

How Florida compares

Approval rate compared
Florida53.6%All 616 counties62.7%
Typical loan compared
Florida$75KAll 616 counties$75K

What the data shows

Bank of America, National Association made the most home improvement loans in Florida, 8,725 of them.

Lendage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 82% of 538.

Lenders approved 53.6% of home improvement loan applications in Florida, 9.1 percentage points below the the United States rate of 62.7%.

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: 23% approved of 7,694Spring Eq, LLC: 31% approved of 6,234Alliant Credit Union: 32% approved of 740Florida: 34% approved of 2,244Bank of America, National Association: 34% approved of 26,510U.S. Bank National Association: 34% approved of 3,621Wells Fargo Bank, National Association: 38% approved of 501Truist Bank: 40% approved of 10,744Fourleaf: 43% approved of 1,225BMO Bank National Association: 44% approved of 482Regions Bank: 46% approved of 13,805Midflorida: 46% approved of 8,073Loandepot.Com, LLC: 47% approved of 531Pentagon Federal Credit Union: 47% approved of 1,952PenAir Credit Union: 48% approved of 559Third Federal Savings And Loan Association Of Cleveland: 51% approved of 8,418Fifth Third Bank, National Association: 51% approved of 6,066TD Bank, National Association: 52% approved of 6,051PARTNERS Federal Credit Union: 54% approved of 736Bank OZK: 54% approved of 859Synovus Bank: 54% approved of 973Citizens Bank, National Association: 54% approved of 3,906First American Bank: 54% approved of 496First Horizon Bank: 55% approved of 1,241PNC Bank, National Association: 57% approved of 7,271Seacoast National Bank: 57% approved of 3,405New American Funding, LLC: 57% approved of 572Ameris Bank: 58% approved of 439Educational Federal Credit Union: 60% approved of 614VELOCITY COMMUNITY Federal Credit Union: 60% approved of 468SouthState Bank, National Association: 62% approved of 2,468Navy Federal Credit Union: 62% approved of 10,102Figure Lending LLC: 64% approved of 7,158BRIGHTSTAR Credit Union: 64% approved of 1,158American Airlines Federal Credit Union: 64% approved of 687Space Coast Credit Union: 65% approved of 10,760Radiant Credit Union: 66% approved of 418Hancock Whitney Bank: 67% approved of 551USF Federal Credit Union: 67% approved of 526Amerant Bank, National Association: 68% approved of 730Tyndall Federal Credit Union: 68% approved of 578Fairwinds Credit Union: 68% approved of 2,752The Loan Store, Inc.: 69% approved of 1,778JPMorgan Chase Bank, National Association: 69% approved of 670Suncoast Credit Union: 69% approved of 9,892The Bank of Tampa: 69% approved of 434Vystar Credit Union: 70% approved of 1,264Rocket Mortgage, LLC: 71% approved of 1,384Crosscountry Mortgage, LLC: 71% approved of 442Lake Michigan Credit Union: 73% approved of 800Valley National Bank: 76% approved of 694Achieva Credit Union: 76% approved of 2,203Community First Credit Union of Flo: 76% approved of 1,040Homebridge Financial Services, Inc.: 76% approved of 2,130Nationstar Mortgage LLC: 77% approved of 855COMMUNITY CREDIT UNION of FLORIDA: 78% approved of 1,107BayFirst National Bank: 78% approved of 1,214Grow Financial Federal Credit Union: 78% approved of 471Lendage, LLC: 82% approved of 538Coastal Community Bank: 97% approved of 6,614

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

Home improvement loan lenders in Florida

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association34%8,952 / 26,51097%$105K8,725
2Regions Bank46%6,360 / 13,80585%$55K5,392
3Space Coast Credit Union65%7,026 / 10,76086%$65K6,075
4Truist Bank40%4,305 / 10,74489%$105K3,811
5Navy Federal Credit Union62%6,237 / 10,10297%$75K6,054

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 597 more lenders.

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Other lending data for Florida

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Counties in Florida

Miami-Dade CountyCountyBroward CountyCountyPalm Beach CountyCountyHillsborough CountyCountyOrange CountyCountyDuval CountyCountyPinellas CountyCountyLee CountyCountyPolk CountyCountyBrevard CountyCountyPasco CountyCountyVolusia CountyCounty