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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Montgomery County, Pennsylvania

Fat Boy Data analyzed home improvement loan activity in Montgomery 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. 12,396 applications were decided by 186 lenders between 2023 and 2025.

Montgomery County at a glance

186Active lenders52 with 20+ decisions
72.8%Market approval rate9,020 of 12,396 decided
$105KTypical loanmedian lender, $10K brackets
95%Borrower take-up8,603 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County72.8%Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Montgomery County$105KPennsylvania$65KAll 616 counties$75K

What the data shows

Citizens Bank, National Association made the most home improvement loans in Montgomery County, PA, 1,053 of them.

TRI COUNTY AREA Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 65.

Lenders approved 72.8% of home improvement loan applications in Montgomery County, PA, 6.1 percentage points above the Pennsylvania rate of 66.7%.

The typical home improvement loan here is $105K, 62% larger than the Pennsylvania typical of $65K.

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 52 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 34% approved of 262Spring Eq, LLC: 36% approved of 154U.S. Bank National Association: 45% approved of 65Truist Bank: 47% approved of 194Bank of America, National Association: 49% approved of 471Fulton Bank, National Association: 55% approved of 69Members 1St: 56% approved of 75First National Bank of Pennsylvania: 56% approved of 32Alliant Credit Union: 57% approved of 30KeyBank National Association: 58% approved of 84Manufacturers and Traders Trust Company: 60% approved of 87Fourleaf: 62% approved of 42Pentagon Federal Credit Union: 62% approved of 56Firstrust Savings Bank: 63% approved of 117Figure Lending LLC: 64% approved of 171TOWER Federal Credit Union: 68% approved of 90Third Federal Savings And Loan Association Of Cleveland: 68% approved of 88American Heritage FCU: 69% approved of 1,010The Huntington National Bank: 69% approved of 26Mid Penn Bank: 70% approved of 23Navy Federal Credit Union: 70% approved of 212Citizens Bank, National Association: 71% approved of 1,540Wilmington Savings Fund Society, FSB: 71% approved of 240QNB Bank: 71% approved of 31SUN Federal Credit Union: 71% approved of 21Philadelphia Federal Credit Union: 72% approved of 170Ameriserv Financial Bank: 73% approved of 26Police & Fire Federal Credit Union: 74% approved of 1,290TD Bank, National Association: 74% approved of 530Tompkins Bank & Trust: 75% approved of 32Franklin Mint: 77% approved of 134S&T Bank: 77% approved of 31Trumark Credit Union: 78% approved of 1,139PNC Bank, National Association: 79% approved of 831Univest Bank and Trust Co.: 80% approved of 225Rocket Mortgage, LLC: 80% approved of 20Lendage, LLC: 83% approved of 23Diamond Credit Union: 83% approved of 352Citadel Federal Credit Union: 84% approved of 276Freedom: 85% approved of 186Penn Community Bank: 85% approved of 48Harleysville Bank: 86% approved of 66Pennsylvania State Employees Credit Union: 88% approved of 250Ardent Federal Credit Union: 89% approved of 220Superior Credit Union: 89% approved of 83Hatboro Federal Savings, FA: 90% approved of 21Nationstar Mortgage LLC: 91% approved of 34Coastal Community Bank: 95% approved of 175Meridian Bank: 96% approved of 261st Colonial Community Bank: 97% approved of 32Merck Sharp & Dohme Federal Credit Union: 98% approved of 339TRI COUNTY AREA Federal Credit Union: 100% approved of 65

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

Home improvement loan lenders in Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association71%1,090 / 1,54097%$125K1,053
2Police & Fire Federal Credit Union74%949 / 1,29099%$65K936
3Trumark Credit Union78%887 / 1,13997%$115K861
4American Heritage FCU69%699 / 1,01099%$55K694
5PNC Bank, National Association79%655 / 83197%$105K637

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 181 more lenders.

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Other lending data for Montgomery County

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