Home›California›Alameda County›Home improvement loans
home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Alameda County, California

Fat Boy Data analyzed home improvement loan activity in Alameda County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 9,801 applications were decided by 184 lenders between 2023 and 2025.

Alameda County at a glance

184Active lenders55 with 20+ decisions
63.7%Market approval rate6,246 of 9,801 decided
$175KTypical loanmedian lender, $10K brackets
89%Borrower take-up5,586 loans funded

How Alameda County compares

Approval rate compared
Alameda County63.7%California61.0%All 616 counties62.7%
Typical loan compared
Alameda County$175KCalifornia$115KAll 616 counties$75K

What the data shows

Bank of America, National Association made the most home improvement loans in Alameda County, CA, 730 of them.

STANFORD Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 51.

The typical home improvement loan here is $175K, 52% larger than the California typical of $115K.

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 55 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 19% approved of 230Truist Bank: 28% approved of 32Spring Eq, LLC: 40% approved of 366UNIFY FINANCIAL Credit Union: 45% approved of 22U.S. Bank National Association: 47% approved of 735BMO Bank National Association: 48% approved of 377Bank of America, National Association: 49% approved of 1,523Citibank, National Association: 49% approved of 89Wells Fargo Bank, National Association: 52% approved of 33Comerica Bank: 53% approved of 146Alliant Credit Union: 54% approved of 140The Golden 1: 57% approved of 198Pentagon Federal Credit Union: 58% approved of 139Fourleaf: 58% approved of 114Navy Federal Credit Union: 58% approved of 117City National Bank: 58% approved of 24Loandepot.Com, LLC: 62% approved of 29Columbia Bank: 63% approved of 35Homebridge Financial Services, Inc.: 63% approved of 73Patelco Credit Union: 64% approved of 540Nationstar Mortgage LLC: 64% approved of 36NuVision Federal Credit Union: 66% approved of 38Meriwest: 67% approved of 60Figure Lending LLC: 69% approved of 378Third Federal Savings And Loan Association Of Cleveland: 69% approved of 188Connexus Credit Union: 69% approved of 26Mechanics Bank: 70% approved of 20First Technology: 71% approved of 241St United Services Credit Union: 72% approved of 588Kind Lending, LLC: 72% approved of 29PNC Bank, National Association: 74% approved of 191STAR ONE Credit Union: 75% approved of 261Technology Credit Union: 76% approved of 189Cmg Mortgage, Inc.: 76% approved of 25The Loan Store, Inc.: 76% approved of 59Guaranteed Rate, Inc.: 77% approved of 31Fremont Bank: 78% approved of 856Zions Bancorporation, N.A.: 78% approved of 55East West Bank: 78% approved of 23JPMorgan Chase Bank, National Association: 79% approved of 42Rocket Mortgage, LLC: 81% approved of 47Chevron Federal Credit Union: 81% approved of 37Bank of Marin: 81% approved of 43UNCLE Credit Union: 82% approved of 154Redwood: 83% approved of 30USAlliance Federal Credit Union: 85% approved of 20New American Funding, LLC: 88% approved of 34Pacific Service Credit Union: 89% approved of 88Schoolsfirst: 91% approved of 22KEYPOINT Credit Union: 92% approved of 38First Technology Federal Credit Union: 94% approved of 36Provident Credit Union: 98% approved of 190Coastal Community Bank: 99% approved of 325STANFORD Federal Credit Union: 100% approved of 51Sunward: 100% approved of 31

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

Home improvement loan lenders in Alameda County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association49%749 / 1,52397%$185K730
2Fremont Bank78%666 / 85698%$175K653
3U.S. Bank National Association47%342 / 73597%$205K331
41St United Services Credit Union72%424 / 58889%$105K379
5Patelco Credit Union64%345 / 54093%$145K321

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 179 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest home improvement loan lenders in Alameda 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.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for Alameda County

Mortgage lenders in Alameda CountyCash-out refinance in Alameda CountyRefinance in Alameda CountyInvestment property purchase in Alameda CountyInvestment cash-out refinance in Alameda CountyInvestment refinance in Alameda CountyInvestment home improvement in Alameda County

Nearby markets

All lending in Alameda CountyCounty overviewHome improvement loans across CaliforniaStatewideContra Costa CountyNearby countySan Francisco CountyNearby countySan Joaquin CountyNearby countySan Mateo CountyNearby countySanta Clara CountyNearby county