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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Saginaw County, Michigan

Fat Boy Data analyzed home improvement loan activity in Saginaw 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. 1,548 applications were decided by 78 lenders between 2023 and 2025.

Saginaw County at a glance

78Active lenders21 with 20+ decisions
63.8%Market approval rate988 of 1,548 decided
$55KTypical loanmedian lender, $10K brackets
95%Borrower take-up936 loans funded

How Saginaw County compares

Approval rate compared
Saginaw County63.8%Michigan67.0%All 616 counties62.7%
Typical loan compared
Saginaw County$55KMichigan$55KAll 616 counties$75K

What the data shows

The Huntington National Bank made the most home improvement loans in Saginaw County, MI, 206 of them.

Dow Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 25.

Only 3 lenders here typically write at or below $35K: Family First Credit Union, Financial Plus Credit Union, Mercantile Bank.

Approval rate of all 21 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 23% approved of 35Bank of America, National Association: 33% approved of 21The Huntington National Bank: 48% approved of 451Independent Bank: 49% approved of 35PNC Bank, National Association: 54% approved of 74Figure Lending LLC: 57% approved of 21Citizens Bank, National Association: 58% approved of 45Financial Plus Credit Union: 61% approved of 102Family First Credit Union: 62% approved of 21Isabella Bank: 67% approved of 42Mercantile Bank: 70% approved of 30Fifth Third Bank, National Association: 71% approved of 48Credit Union One: 72% approved of 39The State Bank: 73% approved of 22Wildfire Credit Union: 76% approved of 55Lake Michigan Credit Union: 80% approved of 44Dort Financial Credit Union: 87% approved of 31UNITED FINANCIAL Credit Union: 90% approved of 48Frankenmuth Credit Union: 96% approved of 135Coastal Community Bank: 100% approved of 27Dow Credit Union: 100% approved of 25

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

Home improvement loan lenders in Saginaw County

LenderApprovalApprovedTaken upTypical loanLoans made
1The Huntington National Bank48%218 / 45194%$65K206
2Frankenmuth Credit Union96%130 / 135100%$55K130
3Financial Plus Credit Union61%62 / 102100%$35K62
4PNC Bank, National Association54%40 / 7498%$55K39
5Wildfire Credit Union76%42 / 55100%$65K42

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 73 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Saginaw 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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