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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Pennsylvania

Fat Boy Data analyzed home improvement loan activity in 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. 148,561 applications were decided by 510 lenders between 2023 and 2025.

Pennsylvania at a glance

510Active lenders234 with 20+ decisions
66.7%Market approval rate99,026 of 148,561 decided
$65KTypical loanmedian lender, $10K brackets
95%Borrower take-up93,850 loans funded

How Pennsylvania compares

Approval rate compared
Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Pennsylvania$65KAll 616 counties$75K

What the data shows

Citizens Bank, National Association made the most home improvement loans in Pennsylvania, 7,537 of them.

Merck Sharp & Dohme Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 99% of 612.

The typical home improvement loan here is $65K, 13% smaller than the the United States typical of $75K.

Only 1 lender here typically writes at or below $35K: Erie Federal Credit Union.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 26% approved of 2,893U.S. Bank National Association: 37% approved of 793Spring Eq, LLC: 37% approved of 1,440Bank of America, National Association: 38% approved of 3,865Truist Bank: 46% approved of 2,273The Huntington National Bank: 50% approved of 2,089Pentagon Federal Credit Union: 52% approved of 542Manufacturers and Traders Trust Company: 55% approved of 3,717Firstrust Savings Bank: 55% approved of 447KeyBank National Association: 59% approved of 517Philadelphia Federal Credit Union: 59% approved of 2,364American Heritage FCU: 60% approved of 3,621Police & Fire Federal Credit Union: 60% approved of 6,899Citizens Bank, National Association: 62% approved of 12,825TD Bank, National Association: 63% approved of 2,642Mid Penn Bank: 63% approved of 491Navy Federal Credit Union: 63% approved of 2,029Third Federal Savings And Loan Association Of Cleveland: 63% approved of 591Members 1St: 64% approved of 11,881First National Bank of Pennsylvania: 64% approved of 6,298First Commonwealth Bank: 64% approved of 2,943S&T Bank: 64% approved of 1,976People First Federal Credit Union: 65% approved of 799Wilmington Savings Fund Society, FSB: 65% approved of 1,325PNC Bank, National Association: 67% approved of 11,479Fulton Bank, National Association: 67% approved of 2,284Figure Lending LLC: 68% approved of 1,783Sun East Federal Credit Union: 70% approved of 584Rocket Mortgage, LLC: 70% approved of 516Franklin Mint: 70% approved of 1,723Dollar Bank, Federal Savings Bank: 70% approved of 3,751Erie Federal Credit Union: 70% approved of 751Trumark Credit Union: 71% approved of 4,135Orrstown Bank: 72% approved of 673The Ephrata National Bank: 72% approved of 759Patriot Credit Union: 73% approved of 703Peoples Security Bank and Trust Company: 74% approved of 701Community Bank, National Association: 75% approved of 388FIRST CAPITAL Federal Credit Union: 75% approved of 560Clearview Federal Credit Union: 75% approved of 1,896First Commonwealth Federal Credit Union: 75% approved of 1,244Embassy Bank For The Lehigh Valley: 76% approved of 796Northwest Bank: 77% approved of 1,327Freedom: 78% approved of 711Diamond Credit Union: 78% approved of 1,537The Luzerne Bank: 79% approved of 383The Fidelity Deposit and Discount Bank: 81% approved of 766Univest Bank and Trust Co.: 82% approved of 1,194Penn Community Bank: 83% approved of 409Ardent Federal Credit Union: 83% approved of 590Net: 83% approved of 413Citadel Federal Credit Union: 83% approved of 1,565WesBanco Bank, Inc.: 84% approved of 793Belco Community Credit Union: 84% approved of 953Pennsylvania State Employees Credit Union: 85% approved of 5,481Somerset Trust Company: 86% approved of 394Armco Credit Union: 87% approved of 697Jersey Shore State Bank: 90% approved of 413Merck Sharp & Dohme Federal Credit Union: 99% approved of 612Coastal Community Bank: 99% approved of 2,122

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

Home improvement loan lenders in Pennsylvania

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association62%7,893 / 12,82595%$105K7,537
2Members 1St64%7,554 / 11,88197%$55K7,327
3PNC Bank, National Association67%7,680 / 11,47997%$75K7,424
4Police & Fire Federal Credit Union60%4,173 / 6,89998%$65K4,099
5First National Bank of Pennsylvania64%4,005 / 6,29899%$75K3,961

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.

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Counties in Pennsylvania

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