Home improvement loan lenders in Stanislaus County, California
Fat Boy Data analyzed home improvement loan activity in Stanislaus 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. 3,144 applications were decided by 120 lenders between 2023 and 2025.
Stanislaus County at a glance
How Stanislaus County compares
What the data shows
Bank of America, National Association made the most home improvement loans in Stanislaus County, CA, 194 of them.
Guaranteed Rate, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 81% of 26.
Lenders approved 54.6% of home improvement loan applications in Stanislaus County, CA, 6.4 percentage points below the California rate of 61.0%.
The typical home improvement loan here is $75K, 35% smaller 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.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Stanislaus County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 37% | 202 / 542 | 96% | $95K | 194 |
| 2 | Spring Eq, LLC | 43% | 125 / 288 | 97% | $75K | 121 |
| 3 | U.S. Bank National Association | 38% | 106 / 276 | 98% | $75K | 104 |
| 4 | The Golden 1 | 63% | 171 / 271 | 95% | $75K | 163 |
| 5 | BMO Bank National Association | 51% | 106 / 206 | 98% | $65K | 104 |
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 115 more lenders.
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