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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in South Carolina

Fat Boy Data analyzed home improvement loan activity in South Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 37,818 applications were decided by 329 lenders between 2023 and 2025.

South Carolina at a glance

329Active lenders83 with 20+ decisions
63.6%Market approval rate24,042 of 37,818 decided
$95KTypical loanmedian lender, $10K brackets
95%Borrower take-up22,863 loans funded

How South Carolina compares

Approval rate compared
South Carolina63.6%All 616 counties62.7%
Typical loan compared
South Carolina$95KAll 616 counties$75K

What the data shows

First-Citizens Bank & Trust Company made the most home improvement loans in South Carolina, 2,524 of them.

Southern First Bank approved the highest share of applications among lenders with at least 20 decisions here, 97% of 303.

The typical home improvement loan here is $95K, 27% larger than the the United States typical of $75K.

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 60 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 1% approved of 14821St Mortgage Corporation: 12% approved of 51Discover Bank: 36% approved of 1,303Spring Eq, LLC: 41% approved of 901Bank of America, National Association: 43% approved of 4,933Wells Fargo Bank, National Association: 48% approved of 115Truist Bank: 48% approved of 2,245Sharonview Federal Credit Union: 48% approved of 401Regions Bank: 50% approved of 791New American Funding, LLC: 52% approved of 98Ameris Bank: 53% approved of 172Fourleaf: 53% approved of 238Greenville: 53% approved of 320Truliant Federal Credit Union: 53% approved of 742Allsouth Federal Credit Union: 54% approved of 270First Bank: 57% approved of 67First Horizon Bank: 57% approved of 111Pentagon Federal Credit Union: 58% approved of 336Fifth Third Bank, National Association: 59% approved of 478American Airlines Federal Credit Union: 59% approved of 81United Bank: 60% approved of 205Guaranteed Rate, Inc.: 61% approved of 46Third Federal Savings And Loan Association Of Cleveland: 62% approved of 216JPMorgan Chase Bank, National Association: 65% approved of 43State Employees': 66% approved of 315Navy Federal Credit Union: 68% approved of 2,191PNC Bank, National Association: 68% approved of 787Figure Lending LLC: 69% approved of 621TOWER Federal Credit Union: 69% approved of 154United Community Bank: 70% approved of 1,023Synovus Bank: 70% approved of 230TD Bank, National Association: 70% approved of 1,293The Park National Bank: 70% approved of 173SouthState Bank, National Association: 71% approved of 3,203Citizens Bank, National Association: 71% approved of 664Safe Federal Credit Union: 71% approved of 486First National Bank of Pennsylvania: 72% approved of 424Mutual of Omaha Mortgage, Inc.: 73% approved of 67First-Citizens Bank & Trust Company: 73% approved of 3,626Founders Federal Credit Union: 75% approved of 1,133Movement Mortgage, LLC: 75% approved of 84Pinnacle Bank: 76% approved of 454Boeing Employees Credit Union: 76% approved of 82S. C. State Federal Credit Union: 76% approved of 535Corning Federal Credit Union: 76% approved of 103Family Trust Federal Credit Union: 77% approved of 125Northwest Federal Credit Union: 77% approved of 52Rocket Mortgage, LLC: 77% approved of 292Bank of Travelers Rest: 80% approved of 61The Loan Store, Inc.: 81% approved of 78Crosscountry Mortgage, LLC: 83% approved of 46Palmetto Citizens Federal Credit Union: 85% approved of 724Anderson Brothers Bank: 86% approved of 65CPM Federal Credit Union: 87% approved of 491Nationstar Mortgage LLC: 87% approved of 226Homebridge Financial Services, Inc.: 91% approved of 53South Carolina Federal Credit Union: 91% approved of 828Spero Financial Federal Credit Union: 91% approved of 608Srp: 95% approved of 278Southern First Bank: 97% approved of 303

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

Home improvement loan lenders in South Carolina

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association43%2,127 / 4,93398%$95K2,077
2First-Citizens Bank & Trust Company73%2,658 / 3,62695%$105K2,524
3SouthState Bank, National Association71%2,260 / 3,20398%$105K2,221
4Truist Bank48%1,074 / 2,24591%$105K979
5Navy Federal Credit Union68%1,499 / 2,19197%$65K1,459

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 324 more lenders.

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Other lending data for South Carolina

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Counties in South Carolina

Greenville CountyCountyRichland CountyCountyCharleston CountyCountyHorry CountyCountySpartanburg CountyCountyLexington CountyCountyYork CountyCountyBerkeley CountyCountyAnderson CountyCountyBeaufort CountyCountyAiken CountyCountyDorchester CountyCounty