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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Providence County, Rhode Island

Fat Boy Data analyzed home improvement loan activity in Providence County, Rhode Island to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 9,423 applications were decided by 115 lenders between 2023 and 2025.

Providence County at a glance

115Active lenders34 with 20+ decisions
56.0%Market approval rate5,273 of 9,423 decided
$85KTypical loanmedian lender, $10K brackets
96%Borrower take-up5,085 loans funded

How Providence County compares

Approval rate compared
Providence County56.0%Rhode Island60.9%All 616 counties62.7%
Typical loan compared
Providence County$85KRhode Island$85KAll 616 counties$75K

What the data shows

Citizens Bank, National Association made the most home improvement loans in Providence County, RI, 1,448 of them.

That is 28% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Cranston Municipal Employees Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 22.

Only 1 lender here typically writes at or below $35K: Shoreham Bank.

Approval rate of all 34 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 20% approved of 203Bank of America, National Association: 27% approved of 941Pentagon Federal Credit Union: 30% approved of 27Spring Eq, LLC: 34% approved of 102Rockland Trust Company: 36% approved of 25U.S. Bank National Association: 38% approved of 47Shoreham Bank: 40% approved of 78TD Bank, National Association: 40% approved of 172HarborOne Bank: 40% approved of 136PNC Bank, National Association: 44% approved of 43New American Funding, LLC: 48% approved of 23The Washington Trust Company, of Westerly: 49% approved of 342Citizens Bank, National Association: 55% approved of 2,706Eastern Bank: 57% approved of 30Rhode Island Credit Union: 59% approved of 481First Technology: 60% approved of 43Bank Rhode Island: 61% approved of 200Fall River Five Cents Savings Bank: 62% approved of 48BankNewport: 63% approved of 180Webster Bank, National Association: 64% approved of 61Navy Federal Credit Union: 66% approved of 99Greenwood Credit Union: 66% approved of 190Navigant Credit Union: 68% approved of 1,191COASTAL1 Credit Union: 69% approved of 1,312Figure Lending LLC: 69% approved of 67BayCoast Bank: 69% approved of 64The People's Credit Union: 69% approved of 26Bristol County Savings Bank: 71% approved of 21Beacon Bank And Trust: 74% approved of 23Milford Federal Bank: 75% approved of 28Centreville Bank: 79% approved of 95Nationstar Mortgage LLC: 80% approved of 20Westerly Community: 84% approved of 45Cranston Municipal Employees Credit Union: 100% approved of 22

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

Home improvement loan lenders in Providence County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association55%1,494 / 2,70697%$105K1,448
2COASTAL1 Credit Union69%899 / 1,31299%$85K886
3Navigant Credit Union68%812 / 1,19196%$65K782
4Bank of America, National Association27%253 / 94196%$75K244
5Rhode Island Credit Union59%284 / 48199%$65K281

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 Providence 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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