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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Atlantic County, New Jersey

Fat Boy Data analyzed home improvement loan activity in Atlantic County, New Jersey to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,180 applications were decided by 127 lenders between 2023 and 2025.

Atlantic County at a glance

127Active lenders22 with 20+ decisions
54.6%Market approval rate1,736 of 3,180 decided
$85KTypical loanmedian lender, $10K brackets
93%Borrower take-up1,617 loans funded

How Atlantic County compares

Approval rate compared
Atlantic County54.6%New Jersey59.7%All 616 counties62.7%
Typical loan compared
Atlantic County$85KNew Jersey$105KAll 616 counties$75K

What the data shows

TD Bank, National Association made the most home improvement loans in Atlantic County, NJ, 228 of them.

Jersey Shore approved the highest share of applications among lenders with at least 20 decisions here, 74% of 191.

Lenders approved 54.6% of home improvement loan applications in Atlantic County, NJ, 5.1 percentage points below the New Jersey rate of 59.7%.

The typical home improvement loan here is $85K, 19% smaller than the New Jersey typical of $105K.

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 22 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 21% approved of 140Spring Eq, LLC: 27% approved of 71Manufacturers and Traders Trust Company: 28% approved of 54U.S. Bank National Association: 30% approved of 27Bank of America, National Association: 32% approved of 430American Heritage FCU: 48% approved of 27Pentagon Federal Credit Union: 52% approved of 25Truist Bank: 53% approved of 79OceanFirst Bank, National Association: 55% approved of 165PNC Bank, National Association: 55% approved of 256Figure Lending LLC: 55% approved of 78Navy Federal Credit Union: 58% approved of 78TD Bank, National Association: 58% approved of 400The First National Bank Of Absecon: 59% approved of 29FIRST HARVEST Federal Credit Union: 60% approved of 120EDIFI Federal Credit Union: 62% approved of 100Fulton Bank, National Association: 62% approved of 108Citizens Bank, National Association: 64% approved of 166Third Federal Savings And Loan Association Of Cleveland: 64% approved of 25Police & Fire Federal Credit Union: 65% approved of 166Jersey Shore: 74% approved of 191Coastal Community Bank: 98% approved of 82

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

Home improvement loan lenders in Atlantic County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association32%137 / 43099%$95K136
2TD Bank, National Association58%231 / 40099%$85K228
3PNC Bank, National Association55%140 / 256100%$105K140
4Jersey Shore74%142 / 19192%$45K130
5Citizens Bank, National Association64%106 / 16696%$105K102

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 122 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Atlantic 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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  • Typical loan and full range
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