Investment property improvement lenders in Navajo County, Arizona
Fat Boy Data analyzed investment home improvement loan activity in Navajo County, Arizona to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 137 applications were decided by 37 lenders between 2023 and 2025.
Navajo County at a glance
How Navajo County compares
What the data shows
Desert Financial Credit Union made the most investment home improvement loans in Navajo County, AZ, 24 of them.
That is 32% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Desert Financial Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 69% of 39.
Lenders approved 59.1% of investment home improvement loan applications in Navajo County, AZ, 9.9 percentage points above the Arizona rate of 49.2%.
The typical investment home improvement loan here is $145K, 38% larger than the Arizona typical of $105K.
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 Navajo County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Desert Financial Credit Union | 69% | 27 / 39 | 89% | $145K | 24 |
| 2 | Zions Bancorporation, N.A.Limited sample | 88% | 7 / 8 | 86% | $75K | 6 |
| 3 | BMO Bank National AssociationLimited sample | 57% | 4 / 7 | 100% | $75K | 4 |
| 4 | Bank of America, National AssociationLimited sample | 43% | 3 / 7 | 100% | $315K | 3 |
| 5 | Mountain America Federal Credit UnionLimited sample | 50% | 3 / 6 | 100% | $105K | 3 |
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 32 more lenders.
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