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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Philadelphia County, Pennsylvania

Fat Boy Data analyzed home improvement loan activity in Philadelphia 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. 15,572 applications were decided by 163 lenders between 2023 and 2025.

Philadelphia County at a glance

163Active lenders42 with 20+ decisions
48.1%Market approval rate7,496 of 15,572 decided
$55KTypical loanmedian lender, $10K brackets
94%Borrower take-up7,070 loans funded

How Philadelphia County compares

Approval rate compared
Philadelphia County48.1%Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Philadelphia County$55KPennsylvania$65KAll 616 counties$75K

What the data shows

Police & Fire Federal Credit Union made the most home improvement loans in Philadelphia County, PA, 1,415 of them.

1st Colonial Community Bank approved the highest share of applications among lenders with at least 20 decisions here, 88% of 25.

Lenders approved 48.1% of home improvement loan applications in Philadelphia County, PA, 18.5 percentage points below the Pennsylvania rate of 66.7%.

The typical home improvement loan here is $55K, 15% smaller than the Pennsylvania typical of $65K.

Only 1 lender here typically writes at or below $35K: Republic Bank.

Approval rate of all 42 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 13% approved of 282Bank of America, National Association: 16% approved of 537U.S. Bank National Association: 24% approved of 75Spring Eq, LLC: 26% approved of 137Truist Bank: 29% approved of 112Manufacturers and Traders Trust Company: 30% approved of 165Fourleaf: 32% approved of 41S&T Bank: 33% approved of 42Members 1St: 33% approved of 24New American Funding, LLC: 36% approved of 39Pentagon Federal Credit Union: 37% approved of 49Republic Bank: 39% approved of 51American Heritage FCU: 39% approved of 1,180Firstrust Savings Bank: 40% approved of 104Alliant Credit Union: 41% approved of 29TD Bank, National Association: 43% approved of 525Wilmington Savings Fund Society, FSB: 43% approved of 299PNC Bank, National Association: 44% approved of 785Navy Federal Credit Union: 44% approved of 347Franklin Mint: 44% approved of 138Wells Fargo Bank, National Association: 45% approved of 47Citizens Bank, National Association: 46% approved of 2,108Third Federal Savings And Loan Association Of Cleveland: 46% approved of 59Police & Fire Federal Credit Union: 46% approved of 3,114Sun East Federal Credit Union: 52% approved of 31Loandepot.Com, LLC: 52% approved of 29SUN Federal Credit Union: 53% approved of 36Trumark Credit Union: 53% approved of 1,016Fulton Bank, National Association: 55% approved of 211Ardent Federal Credit Union: 56% approved of 98Rocket Mortgage, LLC: 57% approved of 102Philadelphia Federal Credit Union: 58% approved of 1,838Pennsylvania State Employees Credit Union: 61% approved of 129Figure Lending LLC: 63% approved of 159Citadel Federal Credit Union: 63% approved of 52TOWER Federal Credit Union: 64% approved of 44Freedom: 68% approved of 285Crosscountry Mortgage, LLC: 69% approved of 29Nationstar Mortgage LLC: 77% approved of 26Univest Bank and Trust Co.: 83% approved of 4841st Colonial Community Bank: 88% approved of 25Coastal Community Bank: 98% approved of 170

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

Home improvement loan lenders in Philadelphia County

LenderApprovalApprovedTaken upTypical loanLoans made
1Police & Fire Federal Credit Union46%1,441 / 3,11498%$55K1,415
2Citizens Bank, National Association46%962 / 2,10895%$85K913
3Philadelphia Federal Credit Union58%1,062 / 1,83896%$55K1,015
4American Heritage FCU39%466 / 1,18099%$45K460
5Trumark Credit Union53%540 / 1,01695%$75K514

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 158 more lenders.

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Other lending data for Philadelphia County

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Nearby markets

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