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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Contra Costa County, California

Fat Boy Data analyzed home improvement loan activity in Contra Costa 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. 9,346 applications were decided by 178 lenders between 2023 and 2025.

Contra Costa County at a glance

178Active lenders53 with 20+ decisions
63.2%Market approval rate5,910 of 9,346 decided
$155KTypical loanmedian lender, $10K brackets
90%Borrower take-up5,307 loans funded

How Contra Costa County compares

Approval rate compared
Contra Costa County63.2%California61.0%All 616 counties62.7%
Typical loan compared
Contra Costa County$155KCalifornia$115KAll 616 counties$75K

What the data shows

Bank of America, National Association made the most home improvement loans in Contra Costa County, CA, 836 of them.

First Technology Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 23.

The typical home improvement loan here is $155K, 35% 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 53 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 26% approved of 301Truist Bank: 34% approved of 35First Bank: 36% approved of 25Alliant Credit Union: 46% approved of 97UNIFY FINANCIAL Credit Union: 47% approved of 49Spring Eq, LLC: 48% approved of 526U.S. Bank National Association: 48% approved of 627Pentagon Federal Credit Union: 49% approved of 96BMO Bank National Association: 51% approved of 324Bank of America, National Association: 52% approved of 1,649Citibank, National Association: 53% approved of 76Navy Federal Credit Union: 54% approved of 153Kind Lending, LLC: 55% approved of 20Comerica Bank: 57% approved of 120NuVision Federal Credit Union: 58% approved of 31Fourleaf: 60% approved of 87Guaranteed Rate, Inc.: 61% approved of 31Third Federal Savings And Loan Association Of Cleveland: 62% approved of 184The Golden 1: 62% approved of 202Loandepot.Com, LLC: 62% approved of 40Wells Fargo Bank, National Association: 63% approved of 27PNC Bank, National Association: 66% approved of 215Homebridge Financial Services, Inc.: 67% approved of 101Figure Lending LLC: 68% approved of 456Columbia Bank: 69% approved of 61The Loan Store, Inc.: 69% approved of 65Zions Bancorporation, N.A.: 70% approved of 40New American Funding, LLC: 71% approved of 41Patelco Credit Union: 71% approved of 624Cmg Mortgage, Inc.: 72% approved of 29Meriwest: 73% approved of 221St United Services Credit Union: 73% approved of 233Travis Credit Union: 75% approved of 225Fremont Bank: 75% approved of 461STAR ONE Credit Union: 75% approved of 89Technology Credit Union: 75% approved of 65Mechanics Bank: 76% approved of 46Nationstar Mortgage LLC: 77% approved of 43Redwood: 77% approved of 74Chevron Federal Credit Union: 78% approved of 133Rocket Mortgage, LLC: 79% approved of 42UNCLE Credit Union: 80% approved of 551St Northern California: 80% approved of 45JPMorgan Chase Bank, National Association: 80% approved of 46Crosscountry Mortgage, LLC: 81% approved of 47Pacific Service Credit Union: 81% approved of 236KEYPOINT Credit Union: 86% approved of 21USAlliance Federal Credit Union: 86% approved of 22Schoolsfirst: 96% approved of 24Coastal Community Bank: 96% approved of 345Provident Credit Union: 99% approved of 137First Technology Federal Credit Union: 100% approved of 23Firefighters First Federal Credit Union: 100% approved of 21

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

Home improvement loan lenders in Contra Costa County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association52%860 / 1,64997%$155K836
2U.S. Bank National Association48%300 / 62797%$155K291
3Patelco Credit Union71%444 / 62493%$115K415
4Spring Eq, LLC48%250 / 52694%$105K236
5Fremont Bank75%346 / 46196%$155K333

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 173 more lenders.

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Nearby markets

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