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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Richmond County, Georgia

Fat Boy Data analyzed investment home improvement loan activity in Richmond County, Georgia to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 181 applications were decided by 44 lenders between 2023 and 2025.

Richmond County at a glance

44Active lenders1 with 20+ decisions
37.6%Market approval rate68 of 181 decided
$75KTypical loanmedian lender, $10K brackets
96%Borrower take-up65 loans funded

How Richmond County compares

Approval rate compared
Richmond County37.6%Georgia41.9%All 616 counties51.2%
Typical loan compared
Richmond County$75KGeorgia$105KAll 616 counties$115K

What the data shows

Navy Federal Credit Union made the most investment home improvement loans in Richmond County, GA, 10 of them.

Navy Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 22% of 45.

The typical investment home improvement loan here is $75K, 29% smaller than the Georgia typical of $105K.

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.

Investment property improvement lenders in Richmond County

LenderApprovalApprovedTaken upTypical loanLoans made
1Navy Federal Credit Union22%10 / 45100%$65K10
2Bank of America, National AssociationLimited sample0%0 / 140
3Figure Lending LLCLimited sample64%7 / 1186%$65K6
4Regions BankLimited sample0%0 / 90
5Rocket Mortgage, LLCLimited sample67%4 / 6100%$155K4

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 39 more lenders.

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