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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Washington

Fat Boy Data analyzed home improvement loan activity in Washington to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 71,996 applications were decided by 286 lenders between 2023 and 2025.

Washington at a glance

286Active lenders110 with 20+ decisions
68.5%Market approval rate49,330 of 71,996 decided
$105KTypical loanmedian lender, $10K brackets
94%Borrower take-up46,598 loans funded

How Washington compares

Approval rate compared
Washington68.5%All 616 counties62.7%
Typical loan compared
Washington$105KAll 616 counties$75K

What the data shows

Boeing Employees Credit Union made the most home improvement loans in Washington, 13,206 of them.

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

First Technology Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 93% of 568.

Lenders approved 68.5% of home improvement loan applications in Washington, 5.8 percentage points above the the United States rate of 62.7%.

The typical home improvement loan here is $105K, 40% 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%Discover Bank: 32% approved of 1,055Spring Eq, LLC: 38% approved of 1,488SALAL Credit Union: 43% approved of 147Alliant Credit Union: 50% approved of 217U.S. Bank National Association: 50% approved of 3,223Bank of America, National Association: 51% approved of 5,660Global Federal Credit Union: 52% approved of 367Fourleaf: 54% approved of 275First Interstate Bank: 54% approved of 123KeyBank National Association: 56% approved of 749Unitus Community Credit Union: 57% approved of 175Pentagon Federal Credit Union: 58% approved of 304Banner Bank: 60% approved of 2,156Loandepot.Com, LLC: 60% approved of 167Third Federal Savings And Loan Association Of Cleveland: 61% approved of 519Washington State Employees Credit Union: 62% approved of 2,671Numerica Credit Union: 62% approved of 1,671PNC Bank, National Association: 63% approved of 381Harborstone Credit Union: 64% approved of 1,020Heritage Bank: 66% approved of 451The Loan Store, Inc.: 67% approved of 186Peak Credit Union: 68% approved of 773New American Funding, LLC: 68% approved of 171Sound Credit Union: 69% approved of 1,591Horizon Fiscu: 69% approved of 427Figure Lending LLC: 70% approved of 1,554Wafd Bank: 71% approved of 316Kitsap Bank: 71% approved of 130Washington Trust Bank: 71% approved of 524Columbia Community Credit Union: 71% approved of 1,996Columbia Bank: 71% approved of 2,105Cmg Mortgage, Inc.: 71% approved of 167Navy Federal Credit Union: 72% approved of 2,085Verity: 73% approved of 337Hapo Community Credit Union: 73% approved of 286Peoples Bank: 73% approved of 375Boeing Employees Credit Union: 75% approved of 18,448Spokane Teachers: 75% approved of 2,2861st Security Bank of Washington: 76% approved of 150KITSAP Credit Union: 76% approved of 1,189Onpoint Community Credit Union: 76% approved of 813Fibre Federal Credit Union: 76% approved of 794Whatcom Educational Credit Union: 77% approved of 1,275JPMorgan Chase Bank, National Association: 78% approved of 181Movement Mortgage, LLC: 79% approved of 127O Bee: 79% approved of 524Homebridge Financial Services, Inc.: 79% approved of 307Gesa Credit Union: 79% approved of 1,570HomeStreet Bank: 80% approved of 630TAPCO Credit Union: 80% approved of 339IQ Credit Union: 80% approved of 1,546Rocket Mortgage, LLC: 81% approved of 194Idaho Central Credit Union: 82% approved of 357Nationstar Mortgage LLC: 82% approved of 228Qualstar Credit Union: 86% approved of 450Yakima Federal Savings and Loan Association: 87% approved of 135America's Credit Union, A: 87% approved of 404Coastal Community Bank: 91% approved of 352Red Canoe Credit Union: 92% approved of 396First Technology Federal Credit Union: 93% approved of 568

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

Home improvement loan lenders in Washington

LenderApprovalApprovedTaken upTypical loanLoans made
1Boeing Employees Credit Union75%13,844 / 18,44895%$105K13,206
2Bank of America, National Association51%2,907 / 5,66098%$105K2,842
3U.S. Bank National Association50%1,612 / 3,22398%$105K1,572
4Washington State Employees Credit Union62%1,657 / 2,67199%$65K1,642
5Spokane Teachers75%1,725 / 2,28699%$65K1,705

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 281 more lenders.

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Counties in Washington

King CountyCountyPierce CountyCountySnohomish CountyCountySpokane CountyCountyClark CountyCountyThurston CountyCountyKitsap CountyCountyYakima CountyCountyWhatcom CountyCountyBenton CountyCountySkagit CountyCountyCowlitz CountyCounty