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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Berks County, Pennsylvania

Fat Boy Data analyzed home improvement loan activity in Berks County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,221 applications were decided by 130 lenders between 2023 and 2025.

Berks County at a glance

130Active lenders35 with 20+ decisions
66.2%Market approval rate4,118 of 6,221 decided
$65KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,886 loans funded

How Berks County compares

Approval rate compared
Berks County66.2%Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Berks County$65KPennsylvania$65KAll 616 counties$75K

What the data shows

Diamond Credit Union made the most home improvement loans in Berks County, PA, 686 of them.

TRI COUNTY AREA Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 36.

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 35 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 21% approved of 100Bank of America, National Association: 32% approved of 96Spring Eq, LLC: 35% approved of 51Truist Bank: 45% approved of 217First National Bank of Pennsylvania: 48% approved of 343Mid Penn Bank: 48% approved of 31U.S. Bank National Association: 50% approved of 34Visions Federal Credit Union: 54% approved of 235Manufacturers and Traders Trust Company: 55% approved of 344TD Bank, National Association: 57% approved of 30Members 1St: 58% approved of 550American Heritage FCU: 60% approved of 60Citizens Bank, National Association: 62% approved of 466Police & Fire Federal Credit Union: 63% approved of 57PNC Bank, National Association: 64% approved of 76Fulton Bank, National Association: 66% approved of 236Tompkins Bank & Trust: 69% approved of 203Navy Federal Credit Union: 69% approved of 55Third Federal Savings And Loan Association Of Cleveland: 70% approved of 20The Ephrata National Bank: 72% approved of 74Bellco Federal Credit Union: 72% approved of 76People First Federal Credit Union: 73% approved of 26Riverfront Federal Credit Union: 74% approved of 304Figure Lending LLC: 74% approved of 90Trumark Credit Union: 75% approved of 32Diamond Credit Union: 76% approved of 986Pennsylvania State Employees Credit Union: 81% approved of 225First Commonwealth Federal Credit Union: 82% approved of 195Citadel Federal Credit Union: 82% approved of 28Discovery Federal Credit Union: 82% approved of 203SUN Federal Credit Union: 83% approved of 24Univest Bank and Trust Co.: 89% approved of 35Utilities Employees Credit Union: 94% approved of 155TRI COUNTY AREA Federal Credit Union: 97% approved of 36Coastal Community Bank: 98% approved of 84

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

Home improvement loan lenders in Berks County

LenderApprovalApprovedTaken upTypical loanLoans made
1Diamond Credit Union76%752 / 98691%$55K686
2Members 1St58%317 / 55099%$75K314
3Citizens Bank, National Association62%288 / 46695%$105K274
4Manufacturers and Traders Trust Company55%190 / 34494%$75K179
5First National Bank of Pennsylvania48%164 / 343100%$65K164

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 125 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Berks 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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