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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Chester County, Pennsylvania

Fat Boy Data analyzed home improvement loan activity in Chester 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. 7,330 applications were decided by 169 lenders between 2023 and 2025.

Chester County at a glance

169Active lenders41 with 20+ decisions
74.0%Market approval rate5,426 of 7,330 decided
$105KTypical loanmedian lender, $10K brackets
95%Borrower take-up5,175 loans funded

How Chester County compares

Approval rate compared
Chester County74.0%Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Chester County$105KPennsylvania$65KAll 616 counties$75K

What the data shows

Citadel Federal Credit Union made the most home improvement loans in Chester County, PA, 666 of them.

Merck Sharp & Dohme Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 26.

Lenders approved 74.0% of home improvement loan applications in Chester County, PA, 7.4 percentage points above the Pennsylvania rate of 66.7%.

The typical home improvement loan here is $105K, 62% larger than the Pennsylvania typical of $65K.

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 41 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 30% approved of 166Spring Eq, LLC: 30% approved of 107Alliant Credit Union: 45% approved of 22U.S. Bank National Association: 55% approved of 51Firstrust Savings Bank: 56% approved of 36Truist Bank: 58% approved of 253TOWER Federal Credit Union: 59% approved of 41Pentagon Federal Credit Union: 59% approved of 46Bank of America, National Association: 59% approved of 328Members 1St: 61% approved of 89The Huntington National Bank: 61% approved of 31Fulton Bank, National Association: 63% approved of 108First National Bank of Pennsylvania: 63% approved of 27Philadelphia Federal Credit Union: 63% approved of 27The Ephrata National Bank: 64% approved of 22Manufacturers and Traders Trust Company: 64% approved of 111KeyBank National Association: 66% approved of 62S&T Bank: 67% approved of 262Third Federal Savings And Loan Association Of Cleveland: 68% approved of 71Figure Lending LLC: 69% approved of 101Fourleaf: 70% approved of 23American Heritage FCU: 71% approved of 106Citizens Bank, National Association: 73% approved of 813Sun East Federal Credit Union: 74% approved of 108Police & Fire Federal Credit Union: 76% approved of 260Wilmington Savings Fund Society, FSB: 76% approved of 261PNC Bank, National Association: 78% approved of 523TD Bank, National Association: 78% approved of 327Univest Bank and Trust Co.: 79% approved of 48Trumark Credit Union: 80% approved of 536Navy Federal Credit Union: 81% approved of 130Freedom: 81% approved of 21Franklin Mint: 83% approved of 345Diamond Credit Union: 83% approved of 99Phoenixville Federal Bank and Trust: 85% approved of 26Citadel Federal Credit Union: 86% approved of 785Pennsylvania State Employees Credit Union: 89% approved of 170Ardent Federal Credit Union: 92% approved of 86Coastal Community Bank: 98% approved of 96Meridian Bank: 98% approved of 48Merck Sharp & Dohme Federal Credit Union: 100% approved of 26

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

Home improvement loan lenders in Chester County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association73%593 / 81396%$155K572
2Citadel Federal Credit Union86%678 / 78598%$105K666
3Trumark Credit Union80%428 / 53696%$125K411
4PNC Bank, National Association78%406 / 52396%$105K391
5Franklin Mint83%285 / 34596%$105K275

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 164 more lenders.

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Other lending data for Chester County

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Nearby markets

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