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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Racine County, Wisconsin

Fat Boy Data analyzed home improvement loan activity in Racine County, Wisconsin to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,246 applications were decided by 77 lenders between 2023 and 2025.

Racine County at a glance

77Active lenders20 with 20+ decisions
72.6%Market approval rate1,631 of 2,246 decided
$55KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,538 loans funded

How Racine County compares

Approval rate compared
Racine County72.6%Wisconsin79.1%All 616 counties62.7%
Typical loan compared
Racine County$55KWisconsin$65KAll 616 counties$75K

What the data shows

Landmark Credit Union made the most home improvement loans in Racine County, WI, 541 of them.

That is 35% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Community State Bank approved the highest share of applications among lenders with at least 20 decisions here, 96% of 24.

Lenders approved 72.6% of home improvement loan applications in Racine County, WI, 6.5 percentage points below the Wisconsin rate of 79.1%.

The typical home improvement loan here is $55K, 15% smaller than the Wisconsin typical of $65K.

Only 2 lenders here typically write at or below $35K: Tri City National Bank, Figure Lending LLC.

Approval rate of all 20 lenders with 20+ decisions here
0%25%50%75%100%Bank of America, National Association: 25% approved of 24Spring Eq, LLC: 40% approved of 25Discover Bank: 46% approved of 39The Huntington National Bank: 48% approved of 97U.S. Bank National Association: 52% approved of 65First American Bank: 56% approved of 25Associated Bank, National Association: 56% approved of 126North Shore Bank: 58% approved of 95BMO Bank National Association: 58% approved of 155PNC Bank, National Association: 60% approved of 25Navy Federal Credit Union: 60% approved of 43Trustone Financial Credit Union: 72% approved of 40Summit Credit Union: 80% approved of 159Landmark Credit Union: 80% approved of 714University Of Wisconsin Credit Union: 80% approved of 85Figure Lending LLC: 83% approved of 23Johnson Bank: 86% approved of 167Tri City National Bank: 89% approved of 98Community State Bank: 96% approved of 24Coastal Community Bank: 100% approved of 30

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

Home improvement loan lenders in Racine County

LenderApprovalApprovedTaken upTypical loanLoans made
1Landmark Credit Union80%571 / 71495%$55K541
2Johnson Bank86%143 / 16795%$105K136
3Summit Credit Union80%127 / 15994%$75K119
4BMO Bank National Association58%90 / 15599%$85K89
5Associated Bank, National Association56%71 / 12697%$55K69

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 72 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Racine 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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  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
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