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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Kentucky

Fat Boy Data analyzed home improvement loan activity in Kentucky to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 17,072 applications were decided by 197 lenders between 2023 and 2025.

Kentucky at a glance

197Active lenders59 with 20+ decisions
69.2%Market approval rate11,807 of 17,072 decided
$65KTypical loanmedian lender, $10K brackets
94%Borrower take-up11,128 loans funded

How Kentucky compares

Approval rate compared
Kentucky69.2%All 616 counties62.7%
Typical loan compared
Kentucky$65KAll 616 counties$75K

What the data shows

Fifth Third Bank, National Association made the most home improvement loans in Kentucky, 1,241 of them.

Class Act Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 35.

Lenders approved 69.2% of home improvement loan applications in Kentucky, 6.5 percentage points above the the United States rate of 62.7%.

The typical home improvement loan here is $65K, 13% smaller than the the United States typical of $75K.

Approval rate of all 59 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 27% approved of 402Truist Bank: 39% approved of 562Regions Bank: 39% approved of 67Spring Eq, LLC: 41% approved of 193Bank of America, National Association: 41% approved of 313Alliant Credit Union: 44% approved of 25U.S. Bank National Association: 48% approved of 1,223Fourleaf: 50% approved of 32First Financial Bank: 56% approved of 245Navy Federal Credit Union: 56% approved of 243The Park National Bank: 57% approved of 35Peoples Bank: 58% approved of 55The Huntington National Bank: 59% approved of 880New American Funding, LLC: 60% approved of 25UNIFY FINANCIAL Credit Union: 60% approved of 20Citizens Bank, National Association: 62% approved of 109Stock Yards Bank & Trust Company: 63% approved of 734Pentagon Federal Credit Union: 64% approved of 59City National Bank of West Virginia: 65% approved of 48Third Federal Savings And Loan Association Of Cleveland: 65% approved of 151Fifth Third Bank, National Association: 67% approved of 1,927Heritage Bank, Inc.: 67% approved of 46Old National Bank: 68% approved of 149PNC Bank, National Association: 68% approved of 1,592Service One Credit Union, Inc.: 70% approved of 43Commonwealth Federal Credit Union: 71% approved of 615WesBanco Bank, Inc.: 71% approved of 227Kemba Credit Union, Inc.: 72% approved of 99Delta Community Credit Union: 76% approved of 33Rocket Mortgage, LLC: 76% approved of 50Park Federal Credit Union: 76% approved of 375Figure Lending LLC: 77% approved of 78Autotruck Financial Credit Union: 78% approved of 36Independence Bank of Kentucky: 78% approved of 74University of Kentucky: 79% approved of 1,615German American Bank: 80% approved of 287Cinfed Federal Credit Union: 82% approved of 76Traditional Bank, Inc.: 84% approved of 31Central Bank & Trust Co.: 85% approved of 331Republic Bank & Trust Company: 86% approved of 858Nationstar Mortgage LLC: 87% approved of 38The Cecilian Bank: 87% approved of 102Community Trust Bank, Inc.: 88% approved of 64JPMorgan Chase Bank, National Association: 88% approved of 57Abound Federal Credit Union: 88% approved of 519Liberty Credit Union: 89% approved of 279West Point Bank: 89% approved of 28The Health & Education Federal Credit Union: 90% approved of 50Lendage, LLC: 91% approved of 54MEMBERS HERITAGE Credit Union: 92% approved of 77South Central Bank, Inc.: 93% approved of 328L & N Federal Credit Union: 93% approved of 275ADVANZ Federal Credit Union: 95% approved of 65The North Side Bank & Trust Company: 96% approved of 23Union Savings Bank: 96% approved of 25Guardian Savings Bank: 96% approved of 131Coastal Community Bank: 99% approved of 388Class Act Federal Credit Union: 100% approved of 35Whitaker Bank: 100% approved of 24

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

Home improvement loan lenders in Kentucky

LenderApprovalApprovedTaken upTypical loanLoans made
1Fifth Third Bank, National Association67%1,294 / 1,92796%$65K1,241
2University of Kentucky79%1,278 / 1,61592%$65K1,172
3PNC Bank, National Association68%1,087 / 1,59297%$65K1,056
4U.S. Bank National Association48%585 / 1,22397%$65K565
5The Huntington National Bank59%521 / 88093%$75K483

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 192 more lenders.

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Other lending data for Kentucky

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Counties in Kentucky

Jefferson CountyCountyFayette CountyCountyKenton CountyCountyBoone CountyCountyWarren CountyCountyHardin CountyCountyDaviess CountyCounty