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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Baltimore city, Maryland

Fat Boy Data analyzed home improvement loan activity in Baltimore city, Maryland to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,444 applications were decided by 111 lenders between 2023 and 2025.

Baltimore city at a glance

111Active lenders24 with 20+ decisions
39.3%Market approval rate1,354 of 3,444 decided
$55KTypical loanmedian lender, $10K brackets
89%Borrower take-up1,199 loans funded

How Baltimore city compares

Approval rate compared
Baltimore city39.3%Maryland56.0%All 616 counties62.7%
Typical loan compared
Baltimore city$55KMaryland$85KAll 616 counties$75K

What the data shows

Manufacturers and Traders Trust Company made the most home improvement loans in Baltimore city, MD, 222 of them.

Securityplus approved the highest share of applications among lenders with at least 20 decisions here, 81% of 32.

Lenders approved 39.3% of home improvement loan applications in Baltimore city, MD, 16.7 percentage points below the Maryland rate of 56.0%.

The typical home improvement loan here is $55K, 35% smaller than the Maryland typical of $85K.

Only 1 lender here typically writes at or below $35K: Municipal Employees Credit Union of Baltimore, Incorporated.

Approval rate of all 24 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 15% approved of 97State Employees Credit Union of Maryland, Incorporated: 17% approved of 202Bank of America, National Association: 23% approved of 478Truist Bank: 25% approved of 219Spring Eq, LLC: 28% approved of 92Third Federal Savings And Loan Association Of Cleveland: 35% approved of 20TD Bank, National Association: 38% approved of 37Manufacturers and Traders Trust Company: 38% approved of 684WesBanco Bank, Inc.: 40% approved of 20First National Bank of Pennsylvania: 42% approved of 103Municipal Employees Credit Union of Baltimore, Incorporated: 42% approved of 59PNC Bank, National Association: 43% approved of 216Navy Federal Credit Union: 43% approved of 269Citizens Bank, National Association: 44% approved of 62Pentagon Federal Credit Union: 47% approved of 45Fulton Bank, National Association: 48% approved of 56Johns Hopkins Federal Credit Union: 52% approved of 105Rocket Mortgage, LLC: 53% approved of 30TOWER Federal Credit Union: 58% approved of 117Aberdeen Proving Ground Federal Credit Union: 63% approved of 30POINT BREEZE Credit Union: 68% approved of 22Figure Lending LLC: 68% approved of 60Securityplus: 81% approved of 32Coastal Community Bank: 100% approved of 30

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

Home improvement loan lenders in Baltimore city

LenderApprovalApprovedTaken upTypical loanLoans made
1Manufacturers and Traders Trust Company38%259 / 68486%$55K222
2Bank of America, National Association23%110 / 47897%$55K107
3Navy Federal Credit Union43%116 / 26995%$55K110
4Truist Bank25%54 / 21981%$95K44
5PNC Bank, National Association43%92 / 21692%$55K85

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 106 more lenders.

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