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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Winnebago County, Wisconsin

Fat Boy Data analyzed home improvement loan activity in Winnebago 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. 1,697 applications were decided by 66 lenders between 2023 and 2025.

Winnebago County at a glance

66Active lenders14 with 20+ decisions
84.4%Market approval rate1,432 of 1,697 decided
$55KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,380 loans funded

How Winnebago County compares

Approval rate compared
Winnebago County84.4%Wisconsin79.1%All 616 counties62.7%
Typical loan compared
Winnebago County$55KWisconsin$65KAll 616 counties$75K

What the data shows

Community First made the most home improvement loans in Winnebago County, WI, 378 of them.

That is 27% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Winnebago Community approved the highest share of applications among lenders with at least 20 decisions here, 100% of 27.

Lenders approved 84.4% of home improvement loan applications in Winnebago County, WI, 5.3 percentage points above the Wisconsin rate of 79.1%.

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

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 14 lenders with 20+ decisions here
0%25%50%75%100%Associated Bank, National Association: 57% approved of 160BMO Bank National Association: 63% approved of 46Figure Lending LLC: 67% approved of 21U.S. Bank National Association: 67% approved of 86Old National Bank: 73% approved of 41Bank First, N.A.: 78% approved of 36University Of Wisconsin Credit Union: 79% approved of 43Johnson Bank: 85% approved of 20CAPITAL Credit Union: 87% approved of 47Verve, A Credit Union: 92% approved of 330Nicolet National Bank: 94% approved of 107Community First: 95% approved of 398Fox Communities Credit Union: 97% approved of 86Winnebago Community: 100% approved of 27

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

Home improvement loan lenders in Winnebago County

LenderApprovalApprovedTaken upTypical loanLoans made
1Community First95%378 / 398100%$55K378
2Verve, A Credit Union92%305 / 33098%$55K299
3Associated Bank, National Association57%91 / 16097%$55K88
4Nicolet National Bank94%101 / 10798%$55K99
5Fox Communities Credit Union97%83 / 8694%$45K78

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 61 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Winnebago 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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