Home improvement loan lenders in St. Louis County, Minnesota
Fat Boy Data analyzed home improvement loan activity in St. Louis County, Minnesota to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,369 applications were decided by 83 lenders between 2023 and 2025.
St. Louis County at a glance
How St. Louis County compares
What the data shows
Affinity Plus made the most home improvement loans in St. Louis County, MN, 157 of them.
Blaze Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 95% of 22.
The typical home improvement loan here is $55K, 15% smaller than the Minnesota typical of $65K.
Only 2 lenders here typically write at or below $35K: Ely Area Credit Union, Spring Eq, LLC.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in St. Louis County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank National Association | 55% | 113 / 206 | 98% | $55K | 111 |
| 2 | Affinity Plus | 93% | 159 / 171 | 99% | $45K | 157 |
| 3 | Members Cooperative | 86% | 129 / 150 | 99% | $45K | 128 |
| 4 | Centricity Credit Union | 94% | 136 / 144 | 97% | $55K | 132 |
| 5 | Frandsen Bank & Trust | 87% | 80 / 92 | 100% | $65K | 80 |
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 78 more lenders.
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You are seeing the 5 largest home improvement loan lenders in St. Louis 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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