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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Lake County, Illinois

Fat Boy Data analyzed home improvement loan activity in Lake County, Illinois to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,973 applications were decided by 145 lenders between 2023 and 2025.

Lake County at a glance

145Active lenders29 with 20+ decisions
62.9%Market approval rate3,758 of 5,973 decided
$95KTypical loanmedian lender, $10K brackets
91%Borrower take-up3,414 loans funded

How Lake County compares

Approval rate compared
Lake County62.9%Illinois57.9%All 616 counties62.7%
Typical loan compared
Lake County$95KIllinois$75KAll 616 counties$75K

What the data shows

Consumers Cooperative Credit Union made the most home improvement loans in Lake County, IL, 282 of them.

Abbott Laboratories Employees Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 93.

Lenders approved 62.9% of home improvement loan applications in Lake County, IL, 5.0 percentage points above the Illinois rate of 57.9%.

The typical home improvement loan here is $95K, 27% larger than the Illinois 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 29 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 38% approved of 270Spring Eq, LLC: 38% approved of 115U.S. Bank National Association: 45% approved of 286Associated Bank, National Association: 46% approved of 99Bank of America, National Association: 47% approved of 495The Huntington National Bank: 54% approved of 547Citibank, National Association: 54% approved of 39Pentagon Federal Credit Union: 54% approved of 39Old National Bank: 55% approved of 300BMO Bank National Association: 56% approved of 409Fifth Third Bank, National Association: 59% approved of 387Third Federal Savings And Loan Association Of Cleveland: 60% approved of 86Great Lakes: 62% approved of 185Alliant Credit Union: 62% approved of 71Crosscountry Mortgage, LLC: 65% approved of 20Fourleaf: 65% approved of 20Citizens Bank, National Association: 67% approved of 39Navy Federal Credit Union: 69% approved of 137First American Bank: 69% approved of 267PNC Bank, National Association: 69% approved of 370Guaranteed Rate, Inc.: 72% approved of 46Figure Lending LLC: 74% approved of 136Nationstar Mortgage LLC: 79% approved of 29Baxter Credit Union: 82% approved of 343Consumers Cooperative Credit Union: 82% approved of 365JPMorgan Chase Bank, National Association: 87% approved of 47Evergreen Bank Group: 92% approved of 50Abbott Laboratories Employees Credit Union: 97% approved of 93Coastal Community Bank: 97% approved of 203

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

Home improvement loan lenders in Lake County

LenderApprovalApprovedTaken upTypical loanLoans made
1The Huntington National Bank54%294 / 54795%$115K278
2Bank of America, National Association47%234 / 49597%$105K228
3BMO Bank National Association56%229 / 40997%$105K221
4Fifth Third Bank, National Association59%229 / 38790%$105K206
5PNC Bank, National Association69%257 / 37096%$85K248

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 140 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Lake County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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  • Typical loan and full range
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