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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in King County, Washington

Fat Boy Data analyzed home improvement loan activity in King County, 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. 19,428 applications were decided by 197 lenders between 2023 and 2025.

King County at a glance

197Active lenders59 with 20+ decisions
68.4%Market approval rate13,286 of 19,428 decided
$105KTypical loanmedian lender, $10K brackets
94%Borrower take-up12,512 loans funded

How King County compares

Approval rate compared
King County68.4%Washington68.5%All 616 counties62.7%
Typical loan compared
King County$105KWashington$105KAll 616 counties$75K

What the data shows

Boeing Employees Credit Union made the most home improvement loans in King County, WA, 5,979 of them.

That is 48% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Red Canoe Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 98% of 41.

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 59 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 32% approved of 273Spring Eq, LLC: 32% approved of 377BMO Bank National Association: 33% approved of 21SALAL Credit Union: 44% approved of 88Whatcom Educational Credit Union: 48% approved of 25Global Federal Credit Union: 49% approved of 136U.S. Bank National Association: 50% approved of 1,015Fourleaf: 53% approved of 116Alliant Credit Union: 54% approved of 72Bank of America, National Association: 55% approved of 2,257The Loan Store, Inc.: 55% approved of 51Harborstone Credit Union: 55% approved of 189KeyBank National Association: 56% approved of 244Loandepot.Com, LLC: 57% approved of 47Kind Lending, LLC: 58% approved of 24NuVision Federal Credit Union: 59% approved of 27New American Funding, LLC: 60% approved of 52Pentagon Federal Credit Union: 60% approved of 119Banner Bank: 61% approved of 527Washington State Employees Credit Union: 63% approved of 440Guaranteed Rate, Inc.: 64% approved of 22State Department Federal Credit Union: 64% approved of 28Sound Credit Union: 65% approved of 476KITSAP Credit Union: 65% approved of 26PNC Bank, National Association: 67% approved of 168Third Federal Savings And Loan Association Of Cleveland: 68% approved of 206Heritage Bank: 69% approved of 70Connexus Credit Union: 70% approved of 23Cmg Mortgage, Inc.: 70% approved of 43Navy Federal Credit Union: 70% approved of 288First-Citizens Bank & Trust Company: 70% approved of 20Figure Lending LLC: 70% approved of 507Wafd Bank: 71% approved of 98Verity: 72% approved of 194JPMorgan Chase Bank, National Association: 72% approved of 53Columbia Bank: 75% approved of 652Boeing Employees Credit Union: 76% approved of 8,241Nationstar Mortgage LLC: 76% approved of 46Idaho Central Credit Union: 76% approved of 34O Bee: 76% approved of 34Wings Financial Credit Union: 77% approved of 22Homebridge Financial Services, Inc.: 77% approved of 93Crosscountry Mortgage, LLC: 79% approved of 29Washington Trust Bank: 79% approved of 34Gesa Credit Union: 80% approved of 236HomeStreet Bank: 80% approved of 2791st Security Bank of Washington: 80% approved of 30Peoples Bank: 80% approved of 20Rocket Mortgage, LLC: 82% approved of 45USAlliance Federal Credit Union: 83% approved of 29First Technology: 83% approved of 24Movement Mortgage, LLC: 86% approved of 49Qualstar Credit Union: 88% approved of 158Hsbc Bank USA, N.A.tional Association: 90% approved of 20America's Credit Union, A: 92% approved of 25First Technology Federal Credit Union: 93% approved of 363Lendage, LLC: 95% approved of 20Coastal Community Bank: 96% approved of 70Red Canoe Credit Union: 98% approved of 41

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

Home improvement loan lenders in King County

LenderApprovalApprovedTaken upTypical loanLoans made
1Boeing Employees Credit Union76%6,268 / 8,24195%$105K5,979
2Bank of America, National Association55%1,235 / 2,25797%$155K1,199
3U.S. Bank National Association50%510 / 1,01596%$155K491
4Columbia Bank75%486 / 65295%$195K462
5Banner Bank61%320 / 52793%$105K299

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 192 more lenders.

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You are seeing the 5 largest home improvement loan lenders in King 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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Other lending data for King County

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Nearby markets

All lending in King CountyCounty overviewHome improvement loans across WashingtonStatewideKitsap CountyNearby countyPierce CountyNearby countySnohomish CountyNearby county