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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Orange County, Florida

Fat Boy Data analyzed home improvement loan activity in Orange 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. 12,398 applications were decided by 210 lenders between 2023 and 2025.

Orange County at a glance

210Active lenders50 with 20+ decisions
53.7%Market approval rate6,662 of 12,398 decided
$85KTypical loanmedian lender, $10K brackets
88%Borrower take-up5,892 loans funded

How Orange County compares

Approval rate compared
Orange County53.7%Florida53.6%All 616 counties62.7%
Typical loan compared
Orange County$85KFlorida$75KAll 616 counties$75K

What the data shows

Fairwinds Credit Union made the most home improvement loans in Orange County, FL, 628 of them.

Wings Financial Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 92% of 25.

The typical home improvement loan here is $85K, 13% larger 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 50 lenders with 20+ decisions here
0%25%50%75%100%Manufacturers and Traders Trust Company: 22% approved of 27Florida: 23% approved of 56Wells Fargo Bank, National Association: 24% approved of 25Alliant Credit Union: 25% approved of 56Discover Bank: 30% approved of 485U.S. Bank National Association: 30% approved of 210Bank of America, National Association: 37% approved of 1,632Spring Eq, LLC: 39% approved of 411Truist Bank: 40% approved of 954Orlando Credit Union: 44% approved of 77Fourleaf: 46% approved of 85Regions Bank: 46% approved of 1,057Pentagon Federal Credit Union: 47% approved of 141Midflorida: 47% approved of 252Loandepot.Com, LLC: 49% approved of 39Third Federal Savings And Loan Association Of Cleveland: 51% approved of 306Fifth Third Bank, National Association: 52% approved of 579Synovus Bank: 55% approved of 42TD Bank, National Association: 55% approved of 246Citizens Bank, National Association: 55% approved of 157First Horizon Bank: 57% approved of 76TrustCo Bank: 57% approved of 105Seacoast National Bank: 59% approved of 378McCoy Federal Credit Union: 60% approved of 145PNC Bank, National Association: 61% approved of 347PARTNERS Federal Credit Union: 61% approved of 284Guaranteed Rate, Inc.: 61% approved of 31New American Funding, LLC: 61% approved of 44SouthState Bank, National Association: 61% approved of 127Navy Federal Credit Union: 63% approved of 660Northwest Federal Credit Union: 65% approved of 20Vystar Credit Union: 67% approved of 21Space Coast Credit Union: 68% approved of 213Fairwinds Credit Union: 68% approved of 942American Airlines Federal Credit Union: 69% approved of 32Figure Lending LLC: 69% approved of 479United Community Bank: 69% approved of 39Rocket Mortgage, LLC: 70% approved of 56Ameris Bank: 70% approved of 27The Loan Store, Inc.: 71% approved of 119Valley National Bank: 71% approved of 31Suncoast Credit Union: 71% approved of 49Nationstar Mortgage LLC: 72% approved of 57Crosscountry Mortgage, LLC: 72% approved of 40JPMorgan Chase Bank, National Association: 78% approved of 40Homebridge Financial Services, Inc.: 78% approved of 130USF Federal Credit Union: 78% approved of 23Lendage, LLC: 87% approved of 45Wings Financial Credit Union: 92% approved of 25Coastal Community Bank: 97% approved of 431

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
1Bank of America, National Association37%609 / 1,63297%$105K591
2Regions Bank46%490 / 1,05786%$75K421
3Truist Bank40%382 / 95490%$125K345
4Fairwinds Credit Union68%645 / 94297%$65K628
5Navy Federal Credit Union63%414 / 66095%$85K393

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 205 more lenders.

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Other lending data for Orange County

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