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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Passaic County, New Jersey

Fat Boy Data analyzed home improvement loan activity in Passaic County, New Jersey to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,277 applications were decided by 115 lenders between 2023 and 2025.

Passaic County at a glance

115Active lenders26 with 20+ decisions
52.0%Market approval rate2,224 of 4,277 decided
$105KTypical loanmedian lender, $10K brackets
91%Borrower take-up2,026 loans funded

How Passaic County compares

Approval rate compared
Passaic County52.0%New Jersey59.7%All 616 counties62.7%
Typical loan compared
Passaic County$105KNew Jersey$105KAll 616 counties$75K

What the data shows

TD Bank, National Association made the most home improvement loans in Passaic County, NJ, 286 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 79% of 33.

Lenders approved 52.0% of home improvement loan applications in Passaic County, NJ, 7.7 percentage points below the New Jersey rate of 59.7%.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 26 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 21% approved of 205U.S. Bank National Association: 27% approved of 60Pentagon Federal Credit Union: 27% approved of 30Alliant Credit Union: 32% approved of 25Bank of America, National Association: 32% approved of 481Spring Eq, LLC: 39% approved of 109Greater Alliance Federal Credit Union: 39% approved of 74Manufacturers and Traders Trust Company: 40% approved of 163PNC Bank, National Association: 46% approved of 539Fourleaf: 47% approved of 34Third Federal Savings And Loan Association Of Cleveland: 50% approved of 52TD Bank, National Association: 53% approved of 553Affinity: 53% approved of 34Provident Bank: 54% approved of 61Citizens Bank, National Association: 55% approved of 285Movement Mortgage, LLC: 55% approved of 29Navy Federal Credit Union: 57% approved of 68Spencer Savings Bank, SLA: 58% approved of 26Lakeland Bank: 58% approved of 96Columbia Bank: 62% approved of 134Guaranteed Rate, Inc.: 62% approved of 40Visions Federal Credit Union: 66% approved of 176Figure Lending LLC: 68% approved of 107Valley National Bank: 72% approved of 313Homebridge Financial Services, Inc.: 79% approved of 33Coastal Community Bank: 96% approved of 108

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

Home improvement loan lenders in Passaic County

LenderApprovalApprovedTaken upTypical loanLoans made
1TD Bank, National Association53%292 / 55398%$105K286
2PNC Bank, National Association46%248 / 53997%$105K240
3Bank of America, National Association32%155 / 48198%$105K152
4Valley National Bank72%224 / 31394%$105K211
5Citizens Bank, National Association55%157 / 28594%$125K147

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 110 more lenders.

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