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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Miami-Dade County, Florida

Fat Boy Data analyzed home improvement loan activity in Miami-Dade 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. 20,615 applications were decided by 210 lenders between 2023 and 2025.

Miami-Dade County at a glance

210Active lenders57 with 20+ decisions
45.2%Market approval rate9,319 of 20,615 decided
$105KTypical loanmedian lender, $10K brackets
85%Borrower take-up7,901 loans funded

How Miami-Dade County compares

Approval rate compared
Miami-Dade County45.2%Florida53.6%All 616 counties62.7%
Typical loan compared
Miami-Dade County$105KFlorida$75KAll 616 counties$75K

What the data shows

Space Coast Credit Union made the most home improvement loans in Miami-Dade County, FL, 1,050 of them.

Paramount Residential Mortgage Group, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 41.

Lenders approved 45.2% of home improvement loan applications in Miami-Dade County, FL, 8.4 percentage points below the Florida rate of 53.6%.

The typical home improvement loan here is $105K, 40% larger than the Florida typical of $75K.

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 57 lenders with 20+ decisions here
0%25%50%75%100%Florida: 4% approved of 50Midflorida: 6% approved of 32Discover Bank: 15% approved of 948Manufacturers and Traders Trust Company: 18% approved of 45Spring Eq, LLC: 24% approved of 608Bank of America, National Association: 24% approved of 3,201Loandepot.Com, LLC: 25% approved of 52BMO Bank National Association: 27% approved of 26U.S. Bank National Association: 28% approved of 247Truist Bank: 30% approved of 814Wells Fargo Bank, National Association: 31% approved of 58Fourleaf: 33% approved of 141Citibank, National Association: 33% approved of 138Alliant Credit Union: 35% approved of 75Bank OZK: 35% approved of 40Seacoast National Bank: 35% approved of 119Fifth Third Bank, National Association: 36% approved of 136Kind Lending, LLC: 37% approved of 27Pentagon Federal Credit Union: 38% approved of 218Synovus Bank: 38% approved of 63Guaranteed Rate, Inc.: 38% approved of 26Regions Bank: 40% approved of 1,785New American Funding, LLC: 41% approved of 32Third Federal Savings And Loan Association Of Cleveland: 41% approved of 469TD Bank, National Association: 43% approved of 1,206Suncoast Credit Union: 44% approved of 36Citizens Bank, National Association: 45% approved of 852BRIGHTSTAR Credit Union: 46% approved of 54Navy Federal Credit Union: 47% approved of 487Crosscountry Mortgage, LLC: 48% approved of 23PNC Bank, National Association: 49% approved of 437SouthState Bank, National Association: 50% approved of 118United Community Bank: 52% approved of 54First American Bank: 52% approved of 263Figure Lending LLC: 54% approved of 811First Horizon Bank: 55% approved of 296American Airlines Federal Credit Union: 55% approved of 224Space Coast Credit Union: 56% approved of 2,205Rocket Mortgage, LLC: 57% approved of 92Hsbc Bank USA, N.A.tional Association: 57% approved of 23JPMorgan Chase Bank, National Association: 57% approved of 65Educational Federal Credit Union: 58% approved of 486Dade County Federal Credit Union: 59% approved of 266First-Citizens Bank & Trust Company: 62% approved of 39Nationstar Mortgage LLC: 62% approved of 72Amerant Bank, National Association: 67% approved of 417The Loan Store, Inc.: 69% approved of 372Miami Postal Service Credit Union: 71% approved of 97Homebridge Financial Services, Inc.: 73% approved of 468Baxter Credit Union: 73% approved of 41Lendage, LLC: 75% approved of 36Power Financial: 82% approved of 97Valley National Bank: 83% approved of 46Miami Firefighters Federal Credit Union: 91% approved of 137Coastal Community Bank: 95% approved of 858Paramount Residential Mortgage Group, Inc.: 100% approved of 41University Credit Union Miami: 100% approved of 21

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

Home improvement loan lenders in Miami-Dade County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association24%776 / 3,20199%$105K765
2Space Coast Credit Union56%1,226 / 2,20586%$95K1,050
3Regions Bank40%708 / 1,78581%$55K574
4TD Bank, National Association43%524 / 1,20698%$155K516
5Discover Bank15%144 / 94896%$95K138

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 205 more lenders.

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Other lending data for Miami-Dade County

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Nearby markets

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