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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Flagler County, Florida

Fat Boy Data analyzed home improvement loan activity in Flagler County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,543 applications were decided by 86 lenders between 2023 and 2025.

Flagler County at a glance

86Active lenders21 with 20+ decisions
55.3%Market approval rate853 of 1,543 decided
$65KTypical loanmedian lender, $10K brackets
89%Borrower take-up763 loans funded

How Flagler County compares

Approval rate compared
Flagler County55.3%Florida53.6%All 616 counties62.7%
Typical loan compared
Flagler County$65KFlorida$75KAll 616 counties$75K

What the data shows

Space Coast Credit Union made the most home improvement loans in Flagler County, FL, 137 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 81% of 31.

The typical home improvement loan here is $65K, 13% smaller than the Florida typical of $75K.

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 21 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 24% approved of 59Spring Eq, LLC: 24% approved of 46U.S. Bank National Association: 30% approved of 27Bank of America, National Association: 42% approved of 211Third Federal Savings And Loan Association Of Cleveland: 45% approved of 38Pentagon Federal Credit Union: 45% approved of 22Regions Bank: 47% approved of 36Seacoast National Bank: 50% approved of 20Truist Bank: 50% approved of 127PNC Bank, National Association: 50% approved of 123TD Bank, National Association: 56% approved of 27Citizens Bank, National Association: 59% approved of 34Ameris Bank: 62% approved of 26Figure Lending LLC: 62% approved of 55SouthState Bank, National Association: 63% approved of 35Fifth Third Bank, National Association: 64% approved of 36Space Coast Credit Union: 65% approved of 237Navy Federal Credit Union: 66% approved of 53Vystar Credit Union: 79% approved of 61Homebridge Financial Services, Inc.: 81% approved of 31Coastal Community Bank: 98% approved of 53

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

Home improvement loan lenders in Flagler County

LenderApprovalApprovedTaken upTypical loanLoans made
1Space Coast Credit Union65%155 / 23788%$55K137
2Bank of America, National Association42%88 / 211100%$65K88
3Truist Bank50%64 / 12783%$105K53
4PNC Bank, National Association50%62 / 12398%$75K61
5Vystar Credit Union79%48 / 61100%$65K48

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 81 more lenders.

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

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