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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Washington

Fat Boy Data analyzed investment home improvement loan activity in Washington to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,445 applications were decided by 161 lenders between 2023 and 2025.

Washington at a glance

161Active lenders36 with 20+ decisions
54.5%Market approval rate2,424 of 4,445 decided
$105KTypical loanmedian lender, $10K brackets
92%Borrower take-up2,226 loans funded

How Washington compares

Approval rate compared
Washington54.5%All 616 counties51.2%
Typical loan compared
Washington$105KAll 616 counties$115K

What the data shows

Boeing Employees Credit Union made the most investment home improvement loans in Washington, 661 of them.

That is 30% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.

Eastside Funding, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 380.

No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 36 lenders with 20+ decisions here
0%25%50%75%100%Bank of America, National Association: 6% approved of 200Washington State Employees Credit Union: 7% approved of 68U.S. Bank National Association: 10% approved of 134Spring Eq, LLC: 18% approved of 94Navy Federal Credit Union: 23% approved of 193BMO Bank National Association: 26% approved of 27Columbia Bank: 33% approved of 88Spokane Teachers: 35% approved of 54Numerica Credit Union: 36% approved of 70KITSAP Credit Union: 41% approved of 46Onpoint Community Credit Union: 41% approved of 41Wafd Bank: 43% approved of 21Sound Credit Union: 43% approved of 125Heritage Bank: 44% approved of 39Washington Trust Bank: 46% approved of 41KeyBank National Association: 48% approved of 27Whatcom Educational Credit Union: 50% approved of 40The Loan Store, Inc.: 50% approved of 30Banner Bank: 50% approved of 195Peoples Bank: 56% approved of 52Boeing Employees Credit Union: 57% approved of 1,234IQ Credit Union: 60% approved of 77Deephaven Mortgage LLC: 63% approved of 51Gesa Credit Union: 64% approved of 73America's Credit Union, A: 66% approved of 29Rocket Mortgage, LLC: 66% approved of 44HomeStreet Bank: 67% approved of 24JPMorgan Chase Bank, National Association: 67% approved of 21Kind Lending, LLC: 68% approved of 28O Bee: 68% approved of 44Figure Lending LLC: 71% approved of 120Idaho Central Credit Union: 74% approved of 54Qualstar Credit Union: 75% approved of 24Homebridge Financial Services, Inc.: 87% approved of 77First Technology Federal Credit Union: 90% approved of 68Eastside Funding, LLC: 100% approved of 380

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

Investment property improvement lenders in Washington

LenderApprovalApprovedTaken upTypical loanLoans made
1Boeing Employees Credit Union57%705 / 1,23494%$105K661
2Eastside Funding, LLC100%379 / 38092%$75K349
3Bank of America, National Association6%13 / 20092%$105K12
4Banner Bank50%98 / 19588%$105K86
5Navy Federal Credit Union23%44 / 19398%$105K43

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 156 more lenders.

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You are seeing the 5 largest investment home improvement loan lenders in Washington. 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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Other lending data for Washington

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Counties in Washington

King CountyCountyPierce CountyCountySnohomish CountyCountySpokane CountyCountyClark CountyCountyThurston CountyCountyKitsap CountyCountyYakima CountyCountyWhatcom CountyCountyBenton CountyCountySkagit CountyCountyCowlitz CountyCounty