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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Palm Beach County, Florida

Fat Boy Data analyzed investment home improvement loan activity in Palm Beach 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. 1,171 applications were decided by 131 lenders between 2023 and 2025.

Palm Beach County at a glance

131Active lenders16 with 20+ decisions
44.8%Market approval rate525 of 1,171 decided
$165KTypical loanmedian lender, $10K brackets
90%Borrower take-up473 loans funded

How Palm Beach County compares

Approval rate compared
Palm Beach County44.8%Florida44.9%All 616 counties51.2%
Typical loan compared
Palm Beach County$165KFlorida$145KAll 616 counties$115K

What the data shows

TD Bank, National Association made the most investment home improvement loans in Palm Beach County, FL, 67 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 69% of 52.

The typical investment home improvement loan here is $165K, 14% larger than the Florida typical of $145K.

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 16 lenders with 20+ decisions here
0%25%50%75%100%Fifth Third Bank, National Association: 8% approved of 24Bank of America, National Association: 18% approved of 119U.S. Bank National Association: 19% approved of 21Spring Eq, LLC: 21% approved of 43Navy Federal Credit Union: 24% approved of 46Truist Bank: 26% approved of 23Lendingone, LLC: 39% approved of 28PNC Bank, National Association: 40% approved of 48TD Bank, National Association: 43% approved of 161Citizens Bank, National Association: 44% approved of 55Amerant Bank, National Association: 50% approved of 22Space Coast Credit Union: 56% approved of 48The Loan Store, Inc.: 60% approved of 20Figure Lending LLC: 63% approved of 62Deephaven Mortgage LLC: 67% approved of 52Homebridge Financial Services, Inc.: 69% approved of 52

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

Investment property improvement lenders in Palm Beach County

LenderApprovalApprovedTaken upTypical loanLoans made
1TD Bank, National Association43%69 / 16197%$145K67
2Bank of America, National Association18%21 / 119100%$255K21
3Figure Lending LLC63%39 / 6262%$105K24
4Citizens Bank, National Association44%24 / 5596%$205K23
5Homebridge Financial Services, Inc.69%36 / 5289%$105K32

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 126 more lenders.

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