Investment property improvement lenders in Madison County, Illinois
Fat Boy Data analyzed investment home improvement loan activity in Madison 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. 152 applications were decided by 35 lenders between 2023 and 2025.
Madison County at a glance
How Madison County compares
What the data shows
FCB Banks made the most investment home improvement loans in Madison County, IL, 29 of them.
That is 27% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Carrollton Bank approved the highest share of applications among lenders with at least 20 decisions here, 96% of 23.
Lenders approved 72.4% of investment home improvement loan applications in Madison County, IL, 26.0 percentage points above the Illinois rate of 46.4%.
The typical investment home improvement loan here is $65K, 32% smaller than the Illinois typical of $95K.
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.
Investment property improvement lenders in Madison County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | FCB Banks | 83% | 29 / 35 | 100% | $65K | 29 |
| 2 | Carrollton Bank | 96% | 22 / 23 | 100% | $85K | 22 |
| 3 | Regions BankLimited sample | 8% | 1 / 12 | 100% | $115K | 1 |
| 4 | United Community BankLimited sample | 100% | 8 / 8 | 100% | $115K | 8 |
| 5 | U.S. Bank National AssociationLimited sample | 0% | 0 / 7 | — | — | 0 |
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 30 more lenders.
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You are seeing the 5 largest investment home improvement loan lenders in Madison 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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