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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Sumner County, Tennessee

Fat Boy Data analyzed home improvement loan activity in Sumner County, Tennessee to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,505 applications were decided by 111 lenders between 2023 and 2025.

Sumner County at a glance

111Active lenders20 with 20+ decisions
66.8%Market approval rate1,673 of 2,505 decided
$95KTypical loanmedian lender, $10K brackets
91%Borrower take-up1,524 loans funded

How Sumner County compares

Approval rate compared
Sumner County66.8%Tennessee63.4%All 616 counties62.7%
Typical loan compared
Sumner County$95KTennessee$75KAll 616 counties$75K

What the data shows

Regions Bank made the most home improvement loans in Sumner County, TN, 213 of them.

Fortera Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 86% of 22.

The typical home improvement loan here is $95K, 27% larger than the Tennessee 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 20 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 38% approved of 81Spring Eq, LLC: 42% approved of 38Truist Bank: 49% approved of 85Bank of America, National Association: 52% approved of 259U.S. Bank National Association: 54% approved of 168First Horizon Bank: 59% approved of 230United Community Bank: 64% approved of 22Regions Bank: 64% approved of 367Citizens Bank, National Association: 66% approved of 35Simmons Bank: 68% approved of 74Figure Lending LLC: 71% approved of 83Fifth Third Bank, National Association: 72% approved of 123Ascend Federal Credit Union: 72% approved of 98Navy Federal Credit Union: 74% approved of 74Wilson Bank and Trust: 78% approved of 55Pinnacle Bank: 79% approved of 75PNC Bank, National Association: 79% approved of 34Lawrence Bank: 82% approved of 187Fortera Federal Credit Union: 86% approved of 22Coastal Community Bank: 100% approved of 68

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

Home improvement loan lenders in Sumner County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank64%236 / 36790%$65K213
2Bank of America, National Association52%135 / 25999%$105K133
3First Horizon Bank59%135 / 23094%$95K127
4Lawrence Bank82%154 / 18795%$105K146
5U.S. Bank National Association54%91 / 16899%$95K90

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 106 more lenders.

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