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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Kenton County, Kentucky

Fat Boy Data analyzed home improvement loan activity in Kenton County, 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. 2,182 applications were decided by 74 lenders between 2023 and 2025.

Kenton County at a glance

74Active lenders19 with 20+ decisions
65.6%Market approval rate1,432 of 2,182 decided
$55KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,347 loans funded

How Kenton County compares

Approval rate compared
Kenton County65.6%Kentucky69.2%All 616 counties62.7%
Typical loan compared
Kenton County$55KKentucky$65KAll 616 counties$75K

What the data shows

Fifth Third Bank, National Association made the most home improvement loans in Kenton County, KY, 302 of them.

Guardian Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 95% of 64.

The typical home improvement loan here is $55K, 15% smaller than the Kentucky typical of $65K.

Only 2 lenders here typically write at or below $35K: Guardian Savings Bank, Cinfed Federal Credit Union.

Approval rate of all 19 lenders with 20+ decisions here
0%25%50%75%100%Truist Bank: 33% approved of 86Discover Bank: 35% approved of 49Spring Eq, LLC: 40% approved of 25Bank of America, National Association: 43% approved of 37Navy Federal Credit Union: 52% approved of 25U.S. Bank National Association: 55% approved of 267The Huntington National Bank: 57% approved of 419Third Federal Savings And Loan Association Of Cleveland: 62% approved of 29Heritage Bank, Inc.: 62% approved of 29First Financial Bank: 63% approved of 51PNC Bank, National Association: 70% approved of 132Fifth Third Bank, National Association: 72% approved of 438Kemba Credit Union, Inc.: 75% approved of 44Cinfed Federal Credit Union: 82% approved of 50Republic Bank & Trust Company: 83% approved of 35Central Bank & Trust Co.: 92% approved of 26Coastal Community Bank: 93% approved of 55L & N Federal Credit Union: 94% approved of 34Guardian Savings Bank: 95% approved of 64

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

Home improvement loan lenders in Kenton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Fifth Third Bank, National Association72%314 / 43896%$55K302
2The Huntington National Bank57%237 / 41994%$75K222
3U.S. Bank National Association55%148 / 26797%$55K144
4PNC Bank, National Association70%92 / 13299%$65K91
5Truist Bank33%28 / 8693%$105K26

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 69 more lenders.

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