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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Pennsylvania

Fat Boy Data analyzed investment home improvement loan activity in 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. 8,132 applications were decided by 308 lenders between 2023 and 2025.

Pennsylvania at a glance

308Active lenders64 with 20+ decisions
50.2%Market approval rate4,086 of 8,132 decided
$95KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,860 loans funded

How Pennsylvania compares

Approval rate compared
Pennsylvania50.2%All 616 counties51.2%
Typical loan compared
Pennsylvania$95KAll 616 counties$115K

What the data shows

Pennsylvania State Employees Credit Union made the most investment home improvement loans in Pennsylvania, 250 of them.

Journey Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 41.

The typical investment home improvement loan here is $95K, 17% smaller than the the United States typical of $115K.

Only 2 lenders here typically write at or below $35K: U.S. Bank National Association, Erie Federal Credit Union.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 3% approved of 58Police & Fire Federal Credit Union: 10% approved of 364Spring Eq, LLC: 12% approved of 82Bank of America, National Association: 14% approved of 171Lendingone, LLC: 14% approved of 69Citizens Bank, National Association: 17% approved of 413Pentagon Federal Credit Union: 18% approved of 22Navy Federal Credit Union: 21% approved of 298Truist Bank: 22% approved of 59First Commonwealth Bank: 25% approved of 92The Huntington National Bank: 27% approved of 84Citadel Federal Credit Union: 28% approved of 25American Heritage FCU: 28% approved of 236Erie Federal Credit Union: 29% approved of 28Clearview Federal Credit Union: 29% approved of 52Franklin Mint: 29% approved of 51Wells Fargo Bank, National Association: 30% approved of 63First National Bank of Pennsylvania: 31% approved of 162Members 1St: 32% approved of 141Philadelphia Federal Credit Union: 32% approved of 205PNC Bank, National Association: 33% approved of 308Wilmington Savings Fund Society, FSB: 38% approved of 167Manufacturers and Traders Trust Company: 40% approved of 47TD Bank, National Association: 41% approved of 381KeyBank National Association: 42% approved of 26S&T Bank: 48% approved of 247Fulton Bank, National Association: 50% approved of 224Trumark Credit Union: 53% approved of 394Kind Lending, LLC: 57% approved of 37Crosscountry Mortgage, LLC: 62% approved of 24Deephaven Mortgage LLC: 63% approved of 150Northwest Bank: 66% approved of 44Net: 67% approved of 24Rocket Mortgage, LLC: 67% approved of 113The Ephrata National Bank: 68% approved of 63Pennsylvania State Employees Credit Union: 69% approved of 385Dollar Bank, Federal Savings Bank: 69% approved of 91Peoples Security Bank and Trust Company: 70% approved of 70The Loan Store, Inc.: 71% approved of 24Figure Lending LLC: 72% approved of 178Community Bank, National Association: 72% approved of 25The Fidelity Deposit and Discount Bank: 72% approved of 29Univest Bank and Trust Co.: 75% approved of 272Mid Penn Bank: 75% approved of 52Homebridge Financial Services, Inc.: 78% approved of 94Rpe Home Inc.: 84% approved of 45United Bank: 88% approved of 32Farmers and Merchants Trust Company of Chambersburg: 88% approved of 25ACNB Bank: 90% approved of 30Abl Rpc Residential Credit Acquisition LLC: 92% approved of 75Somerset Trust Company: 92% approved of 25Omega Federal Credit Union: 93% approved of 27The Luzerne Bank: 94% approved of 35InFirst Bank: 95% approved of 60Jersey Shore State Bank: 98% approved of 45Crowdcopia, LLC: 99% approved of 163Journey Bank: 100% approved of 41Bank of Bird-in-Hand: 100% approved of 40Coastal Community Bank: 100% approved of 39Union Savings Bank: 100% approved of 38

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

Investment property improvement lenders in Pennsylvania

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association17%69 / 41394%$115K65
2Trumark Credit Union53%208 / 39498%$45K203
3Pennsylvania State Employees Credit Union69%265 / 38594%$75K250
4TD Bank, National Association41%158 / 38199%$105K157
5Police & Fire Federal Credit Union10%35 / 36494%$55K33

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 303 more lenders.

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Other lending data for Pennsylvania

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Counties in Pennsylvania

Philadelphia CountyCountyAllegheny CountyCountyMontgomery CountyCountyBucks CountyCountyDelaware CountyCountyLancaster CountyCountyChester CountyCountyYork CountyCountyBerks CountyCountyLehigh CountyCountyWestmoreland CountyCountyLuzerne CountyCounty