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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Columbia County, Georgia

Fat Boy Data analyzed home improvement loan activity in Columbia County, Georgia to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,511 applications were decided by 78 lenders between 2023 and 2025.

Columbia County at a glance

78Active lenders15 with 20+ decisions
64.2%Market approval rate970 of 1,511 decided
$65KTypical loanmedian lender, $10K brackets
94%Borrower take-up915 loans funded

How Columbia County compares

Approval rate compared
Columbia County64.2%Georgia55.5%All 616 counties62.7%
Typical loan compared
Columbia County$65KGeorgia$85KAll 616 counties$75K

What the data shows

SouthState Bank, National Association made the most home improvement loans in Columbia County, GA, 148 of them.

Srp approved the highest share of applications among lenders with at least 20 decisions here, 96% of 108.

Lenders approved 64.2% of home improvement loan applications in Columbia County, GA, 8.7 percentage points above the Georgia rate of 55.5%.

The typical home improvement loan here is $65K, 24% smaller than the Georgia typical of $85K.

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 15 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 28% approved of 47Bank of America, National Association: 39% approved of 142Truist Bank: 41% approved of 81Spring Eq, LLC: 44% approved of 39U.S. Bank National Association: 45% approved of 38Pentagon Federal Credit Union: 50% approved of 58Regions Bank: 56% approved of 156Georgia's Own: 58% approved of 36First-Citizens Bank & Trust Company: 60% approved of 80Navy Federal Credit Union: 70% approved of 200Fifth Third Bank, National Association: 72% approved of 29Pinnacle Bank: 77% approved of 30SouthState Bank, National Association: 84% approved of 179Figure Lending LLC: 88% approved of 40Srp: 96% approved of 108

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

Home improvement loan lenders in Columbia County

LenderApprovalApprovedTaken upTypical loanLoans made
1Navy Federal Credit Union70%140 / 20098%$55K137
2SouthState Bank, National Association84%151 / 17998%$105K148
3Regions Bank56%87 / 15689%$55K77
4Bank of America, National Association39%55 / 142100%$95K55
5Srp96%104 / 10897%$65K101

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 73 more lenders.

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