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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Cambria County, Pennsylvania

Fat Boy Data analyzed home improvement loan activity in Cambria County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,720 applications were decided by 68 lenders between 2023 and 2025.

Cambria County at a glance

68Active lenders13 with 20+ decisions
65.8%Market approval rate1,131 of 1,720 decided
$45KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,088 loans funded

How Cambria County compares

Approval rate compared
Cambria County65.8%Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Cambria County$45KPennsylvania$65KAll 616 counties$75K

What the data shows

First National Bank of Pennsylvania made the most home improvement loans in Cambria County, PA, 272 of them.

That is 25% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

PennCrest Bank approved the highest share of applications among lenders with at least 20 decisions here, 90% of 81.

The typical home improvement loan here is $45K, 31% smaller than the Pennsylvania typical of $65K.

Approval rate of all 13 lenders with 20+ decisions here
0%25%50%75%100%Citizens Bank, National Association: 26% approved of 27S&T Bank: 53% approved of 115First Commonwealth Bank: 60% approved of 335First National Bank of Pennsylvania: 63% approved of 434Northwest Bank: 70% approved of 20Pennsylvania State Employees Credit Union: 71% approved of 85Ameriserv Financial Bank: 74% approved of 1101st Summit Bank: 76% approved of 114USSCO Johnstown Federal Credit Union: 80% approved of 60Figure Lending LLC: 80% approved of 20Somerset Trust Company: 85% approved of 73CNB Bank: 86% approved of 28PennCrest Bank: 90% approved of 81

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

Home improvement loan lenders in Cambria County

LenderApprovalApprovedTaken upTypical loanLoans made
1First National Bank of Pennsylvania63%272 / 434100%$55K272
2First Commonwealth Bank60%200 / 33592%$45K185
3S&T Bank53%61 / 11593%$55K57
41st Summit Bank76%87 / 114100%$25K87
5Ameriserv Financial Bank74%81 / 11099%$45K80

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 63 more lenders.

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