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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in San Diego County, California

Fat Boy Data analyzed investment home improvement loan activity in San Diego 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. 2,155 applications were decided by 126 lenders between 2023 and 2025.

San Diego County at a glance

126Active lenders20 with 20+ decisions
50.9%Market approval rate1,096 of 2,155 decided
$135KTypical loanmedian lender, $10K brackets
91%Borrower take-up1,002 loans funded

How San Diego County compares

Approval rate compared
San Diego County50.9%California52.5%All 616 counties51.2%
Typical loan compared
San Diego County$135KCalifornia$135KAll 616 counties$115K

What the data shows

California Coast Credit Union made the most investment home improvement loans in San Diego County, CA, 162 of them.

First Republic Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 41.

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.

Approval rate of all 20 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 10% approved of 121Bank of America, National Association: 20% approved of 106Navy Federal Credit Union: 25% approved of 402The Golden 1: 30% approved of 20Zions Bancorporation, N.A.: 32% approved of 72Spring Eq, LLC: 33% approved of 153BMO Bank National Association: 35% approved of 37Wells Fargo Bank, National Association: 48% approved of 23Banner Bank: 51% approved of 72Deephaven Mortgage LLC: 53% approved of 45JPMorgan Chase Bank, National Association: 64% approved of 22Figure Lending LLC: 68% approved of 151Kind Lending, LLC: 68% approved of 37The Loan Store, Inc.: 69% approved of 51Homebridge Financial Services, Inc.: 70% approved of 132Rocket Mortgage, LLC: 72% approved of 32Schoolsfirst: 79% approved of 29California Coast Credit Union: 92% approved of 179Sundae Funding, Inc.: 98% approved of 85First Republic Bank: 100% approved of 41

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

Investment property improvement lenders in San Diego County

LenderApprovalApprovedTaken upTypical loanLoans made
1Navy Federal Credit Union25%102 / 40296%$105K98
2California Coast Credit Union92%165 / 17998%$135K162
3Spring Eq, LLC33%50 / 15392%$105K46
4Figure Lending LLC68%102 / 15166%$115K67
5Homebridge Financial Services, Inc.70%92 / 13289%$125K82

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 121 more lenders.

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