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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Kent County, Michigan

Fat Boy Data analyzed home improvement loan activity in Kent County, Michigan to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 9,308 applications were decided by 132 lenders between 2023 and 2025.

Kent County at a glance

132Active lenders39 with 20+ decisions
75.2%Market approval rate7,004 of 9,308 decided
$55KTypical loanmedian lender, $10K brackets
93%Borrower take-up6,544 loans funded

How Kent County compares

Approval rate compared
Kent County75.2%Michigan67.0%All 616 counties62.7%
Typical loan compared
Kent County$55KMichigan$55KAll 616 counties$75K

What the data shows

Lake Michigan Credit Union made the most home improvement loans in Kent County, MI, 2,945 of them.

That is 45% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

River Valley Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 32.

Lenders approved 75.2% of home improvement loan applications in Kent County, MI, 8.2 percentage points above the Michigan rate of 67.0%.

Only 2 lenders here typically write at or below $35K: Intandem Credit Union, AAC Credit Union.

Approval rate of all 39 lenders with 20+ decisions here
0%25%50%75%100%Spring Eq, LLC: 30% approved of 69Discover Bank: 32% approved of 123Bank of America, National Association: 34% approved of 180U.S. Bank National Association: 39% approved of 28Flagstar Bank, National Association: 43% approved of 44Comerica Bank: 55% approved of 91Rocket Mortgage, LLC: 55% approved of 20The Huntington National Bank: 57% approved of 1,458Michigan First Credit Union: 60% approved of 91United Federal Credit Union: 61% approved of 28Navy Federal Credit Union: 65% approved of 51Fifth Third Bank, National Association: 66% approved of 907Macatawa Bank, National Association: 66% approved of 74Citizens Bank, National Association: 69% approved of 45Horizon Bank: 69% approved of 49PNC Bank, National Association: 70% approved of 200Figure Lending LLC: 70% approved of 122Independent Bank: 73% approved of 280Honor Credit Union: 74% approved of 39United Bank of Michigan: 77% approved of 31ChoiceOne Bank: 79% approved of 113West Michigan Credit Union: 79% approved of 66JPMorgan Chase Bank, National Association: 80% approved of 30Credit Union One: 80% approved of 128Old National Bank: 81% approved of 91Mercantile Bank: 81% approved of 188Dfcu Financial: 83% approved of 130Nationstar Mortgage LLC: 87% approved of 31Preferred Credit Union: 87% approved of 39Intandem Credit Union: 87% approved of 47Lake Michigan Credit Union: 88% approved of 3,563Meijer Credit Union: 88% approved of 43Consumers Credit Union: 91% approved of 58AAC Credit Union: 92% approved of 24MICHIGAN STATE UNIVERSITY Federal Credit Union: 93% approved of 55Adventure Credit Union: 94% approved of 107Community West Credit Union: 95% approved of 125Coastal Community Bank: 98% approved of 108River Valley Credit Union: 100% approved of 32

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

Home improvement loan lenders in Kent County

LenderApprovalApprovedTaken upTypical loanLoans made
1Lake Michigan Credit Union88%3,140 / 3,56394%$55K2,945
2The Huntington National Bank57%826 / 1,45895%$75K782
3Fifth Third Bank, National Association66%600 / 90795%$75K569
4Independent Bank73%204 / 28098%$75K199
5PNC Bank, National Association70%140 / 20098%$75K137

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 127 more lenders.

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Other lending data for Kent County

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Nearby markets

All lending in Kent CountyCounty overviewHome improvement loans across MichiganStatewideAllegan CountyNearby countyMuskegon CountyNearby county