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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Orange County, California

Fat Boy Data analyzed home improvement loan activity in Orange 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. 23,371 applications were decided by 250 lenders between 2023 and 2025.

Orange County at a glance

250Active lenders73 with 20+ decisions
68.0%Market approval rate15,883 of 23,371 decided
$125KTypical loanmedian lender, $10K brackets
92%Borrower take-up14,579 loans funded

How Orange County compares

Approval rate compared
Orange County68.0%California61.0%All 616 counties62.7%
Typical loan compared
Orange County$125KCalifornia$115KAll 616 counties$75K

What the data shows

Schoolsfirst made the most home improvement loans in Orange County, CA, 5,139 of them.

That is 35% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

California Coast Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 95% of 42.

Lenders approved 68.0% of home improvement loan applications in Orange County, CA, 7.0 percentage points above the California rate of 61.0%.

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 60 lenders with 20+ decisions here
0%25%50%75%100%Cmg Mortgage, Inc.: 26% approved of 27Truist Bank: 27% approved of 78Discover Bank: 29% approved of 533California Credit Union: 39% approved of 100Alliant Credit Union: 41% approved of 128Citibank, National Association: 45% approved of 107Loandepot.Com, LLC: 46% approved of 59Spring Eq, LLC: 46% approved of 1,074UNIFY FINANCIAL Credit Union: 47% approved of 60Banner Bank: 47% approved of 64U.S. Bank National Association: 48% approved of 2,063BMO Bank National Association: 49% approved of 373Fourleaf: 51% approved of 207Bank of America, National Association: 53% approved of 3,365Connexus Credit Union: 56% approved of 36The Golden 1: 56% approved of 97Pentagon Federal Credit Union: 56% approved of 291PARTNERS Federal Credit Union: 58% approved of 221Third Federal Savings And Loan Association Of Cleveland: 58% approved of 417Wells Fargo Bank, National Association: 59% approved of 34Comerica Bank: 62% approved of 329NuVision Federal Credit Union: 63% approved of 369Navy Federal Credit Union: 63% approved of 639San Diego County Credit Union: 63% approved of 52Zions Bancorporation, N.A.: 64% approved of 149Southland Credit Union: 64% approved of 83Nationstar Mortgage LLC: 64% approved of 75Guaranteed Rate, Inc.: 65% approved of 52Figure Lending LLC: 66% approved of 1,079First Bank: 68% approved of 96First-Citizens Bank & Trust Company: 68% approved of 59Patelco Credit Union: 68% approved of 28Kind Lending, LLC: 68% approved of 69PNC Bank, National Association: 68% approved of 349Homebridge Financial Services, Inc.: 71% approved of 337Eagle Community Credit Union: 71% approved of 133The Loan Store, Inc.: 72% approved of 250New American Funding, LLC: 72% approved of 97Columbia Bank: 73% approved of 30Technology Credit Union: 74% approved of 35JPMorgan Chase Bank, National Association: 74% approved of 98Wescom Central Credit Union: 75% approved of 887Crosscountry Mortgage, LLC: 76% approved of 45LOS ANGELES POLICE Federal Credit Union: 76% approved of 34Financial Partners Credit Union: 79% approved of 517American Airlines Federal Credit Union: 79% approved of 33Logix Federal Credit Union: 79% approved of 76City National Bank: 80% approved of 41East West Bank: 85% approved of 53Baxter Credit Union: 85% approved of 143Rocket Mortgage, LLC: 86% approved of 105Finance of America Reverse LLC: 87% approved of 31Lbs Financial: 89% approved of 61NORTHROP GRUMMAN Federal Credit Union: 89% approved of 36Popa Federal Credit Union: 90% approved of 31Schoolsfirst: 91% approved of 5,751Firefighters First Federal Credit Union: 92% approved of 75First Technology Federal Credit Union: 92% approved of 26California Coast Credit Union: 95% approved of 42Coastal Community Bank: 98% approved of 644

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

Home improvement loan lenders in Orange County

LenderApprovalApprovedTaken upTypical loanLoans made
1Schoolsfirst91%5,211 / 5,75199%$125K5,139
2Bank of America, National Association53%1,788 / 3,36597%$195K1,739
3U.S. Bank National Association48%984 / 2,06395%$185K937
4Figure Lending LLC66%715 / 1,07964%$115K457
5Spring Eq, LLC46%492 / 1,07497%$125K477

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 245 more lenders.

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Other lending data for Orange County

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Nearby markets

All lending in Orange CountyCounty overviewHome improvement loans across CaliforniaStatewideLos Angeles CountyNearby countyRiverside CountyNearby countySan Bernardino CountyNearby countySan Diego CountyNearby county