Investment property improvement lenders in Morgan County, Alabama
Fat Boy Data analyzed investment home improvement loan activity in Morgan County, Alabama to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 92 applications were decided by 26 lenders between 2023 and 2025.
Morgan County at a glance
How Morgan County compares
What the data shows
Redstone Federal Credit Union made the most investment home improvement loans in Morgan County, AL, 20 of them.
That is 37% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Redstone Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 60% of 45.
Lenders approved 66.3% of investment home improvement loan applications in Morgan County, AL, 10.8 percentage points above the Alabama rate of 55.5%.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Morgan County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Redstone Federal Credit Union | 60% | 27 / 45 | 74% | $55K | 20 |
| 2 | River Bank & TrustLimited sample | 100% | 6 / 6 | 100% | $95K | 6 |
| 3 | Cadence BankLimited sample | 83% | 5 / 6 | 100% | $85K | 5 |
| 4 | Peoples Bank of AlabamaLimited sample | 100% | 6 / 6 | 100% | $115K | 6 |
| 5 | Truist BankLimited sample | 0% | 0 / 3 | — | — | 0 |
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 21 more lenders.
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