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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Florida

Fat Boy Data analyzed investment 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. 14,149 applications were decided by 422 lenders between 2023 and 2025.

Florida at a glance

422Active lenders72 with 20+ decisions
44.9%Market approval rate6,358 of 14,149 decided
$145KTypical loanmedian lender, $10K brackets
90%Borrower take-up5,736 loans funded

How Florida compares

Approval rate compared
Florida44.9%All 616 counties51.2%
Typical loan compared
Florida$145KAll 616 counties$115K

What the data shows

TD Bank, National Association made the most investment home improvement loans in Florida, 447 of them.

Diya Finance LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 32.

Lenders approved 44.9% of investment home improvement loan applications in Florida, 6.3 percentage points below the the United States rate of 51.2%.

The typical investment home improvement loan here is $145K, 26% larger than the the United States typical of $115K.

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.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 0% approved of 60Florida: 4% approved of 54U.S. Bank National Association: 11% approved of 226Bank of America, National Association: 11% approved of 1,053Fifth Third Bank, National Association: 13% approved of 343Alliant Credit Union: 17% approved of 30Spring Eq, LLC: 20% approved of 507Regions Bank: 22% approved of 393Truist Bank: 25% approved of 331Navy Federal Credit Union: 25% approved of 1,052Pentagon Federal Credit Union: 25% approved of 126Wells Fargo Bank, National Association: 26% approved of 127BMO Bank National Association: 27% approved of 117Lendingone, LLC: 28% approved of 188GTE Federal Credit Union: 28% approved of 25Synovus Bank: 28% approved of 32Citibank, National Association: 33% approved of 30Citizens Bank, National Association: 36% approved of 408Manufacturers and Traders Trust Company: 37% approved of 76Amerant Bank, National Association: 37% approved of 100TD Bank, National Association: 40% approved of 1,129Seacoast National Bank: 42% approved of 89Fairwinds Credit Union: 42% approved of 78PNC Bank, National Association: 43% approved of 404USF Federal Credit Union: 45% approved of 40Better Mortgage Corporation: 45% approved of 31Midflorida: 45% approved of 132Space Coast Credit Union: 46% approved of 802Bank OZK: 47% approved of 60American Airlines Federal Credit Union: 47% approved of 47Hsbc Bank USA, N.A.tional Association: 48% approved of 27First Horizon Bank: 50% approved of 32RBC Bank, (Georgia) National Association: 50% approved of 193Kind Lending, LLC: 52% approved of 203SouthState Bank, National Association: 57% approved of 76JPMorgan Chase Bank, National Association: 57% approved of 106Movement Mortgage, LLC: 57% approved of 28COMMUNITY CREDIT UNION of FLORIDA: 58% approved of 50Valley National Bank: 60% approved of 52Deephaven Mortgage LLC: 60% approved of 747The Loan Store, Inc.: 60% approved of 257Guaranteed Rate, Inc.: 61% approved of 46Cmg Mortgage, Inc.: 62% approved of 26United Community Bank: 62% approved of 26New American Funding, LLC: 62% approved of 47Centennial Bank: 62% approved of 29Figure Lending LLC: 65% approved of 610Rocket Mortgage, LLC: 67% approved of 282Crosscountry Mortgage, LLC: 68% approved of 93Lake Michigan Credit Union: 69% approved of 83Homebridge Financial Services, Inc.: 73% approved of 685Citizens First Bank: 82% approved of 28Rpe Home Inc.: 83% approved of 96Temple View Capital Funding, Lp: 83% approved of 30Capital City Bank: 84% approved of 25Abl Rpc Residential Credit Acquisition LLC: 89% approved of 342Paramount Residential Mortgage Group, Inc.: 94% approved of 53Sundae Funding, Inc.: 99% approved of 83Coastal Community Bank: 100% approved of 88Diya Finance LLC: 100% approved of 32

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

Investment property improvement lenders in Florida

LenderApprovalApprovedTaken upTypical loanLoans made
1TD Bank, National Association40%453 / 1,12999%$145K447
2Bank of America, National Association11%113 / 1,05396%$115K109
3Navy Federal Credit Union25%266 / 1,05298%$75K261
4Space Coast Credit Union46%366 / 80283%$105K304
5Deephaven Mortgage LLC60%449 / 74798%$205K440

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 417 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