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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Maricopa County, Arizona

Fat Boy Data analyzed home improvement loan activity in Maricopa County, Arizona to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 52,782 applications were decided by 282 lenders between 2023 and 2025.

Maricopa County at a glance

282Active lenders83 with 20+ decisions
65.9%Market approval rate34,766 of 52,782 decided
$105KTypical loanmedian lender, $10K brackets
89%Borrower take-up30,969 loans funded

How Maricopa County compares

Approval rate compared
Maricopa County65.9%Arizona65.1%All 616 counties62.7%
Typical loan compared
Maricopa County$105KArizona$105KAll 616 counties$75K

What the data shows

Desert Financial Credit Union made the most home improvement loans in Maricopa County, AZ, 11,127 of them.

That is 36% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Direct Mortgage Loans, LLC approved the highest share of applications among lenders with at least 20 decisions here, 94% of 65.

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 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 40% approved of 1,321Spring Eq, LLC: 45% approved of 1,693U.S. Bank National Association: 47% approved of 2,015Bank of America, National Association: 48% approved of 5,150Alliant Credit Union: 53% approved of 263Comerica Bank: 53% approved of 326BMO Bank National Association: 54% approved of 937HTLF Bank: 54% approved of 142Third Federal Savings And Loan Association Of Cleveland: 54% approved of 101BOKF, National Association: 55% approved of 194Wells Fargo Bank, National Association: 56% approved of 117Global Federal Credit Union: 58% approved of 139Fourleaf: 58% approved of 252OneAZ Credit Union: 59% approved of 1,502Mountain America Federal Credit Union: 60% approved of 1,127Pentagon Federal Credit Union: 60% approved of 418Zions Bancorporation, N.A.: 63% approved of 488PNC Bank, National Association: 65% approved of 1,108Credit Union West: 66% approved of 990New American Funding, LLC: 66% approved of 150Boeing Employees Credit Union: 66% approved of 134Cmg Mortgage, Inc.: 67% approved of 76Navy Federal Credit Union: 67% approved of 1,571Wafd Bank: 68% approved of 65Loandepot.Com, LLC: 68% approved of 125American Airlines Federal Credit Union: 68% approved of 217UMB Bank, National Association: 70% approved of 229Desert Financial Credit Union: 70% approved of 17,736Figure Lending LLC: 71% approved of 1,672Hughes Federal Credit Union: 71% approved of 89Vantage West: 72% approved of 554Arizona Financial Credit Union: 72% approved of 3,365Guaranteed Rate, Inc.: 73% approved of 128NuVision Federal Credit Union: 74% approved of 53Kind Lending, LLC: 74% approved of 76Crosscountry Mortgage, LLC: 74% approved of 88Arizona Central Credit Union: 74% approved of 658FirstBank: 75% approved of 166Homebridge Financial Services, Inc.: 76% approved of 440Baxter Credit Union: 76% approved of 59Fairway Independent Mortgage Corporation: 76% approved of 72Nationstar Mortgage LLC: 76% approved of 246The Loan Store, Inc.: 77% approved of 407First International Bank & Trust: 79% approved of 66JPMorgan Chase Bank, National Association: 79% approved of 246Rocket Mortgage, LLC: 80% approved of 225AMERICA FIRST Federal Credit Union: 80% approved of 643First Credit Union: 81% approved of 128Copper State Credit Union: 82% approved of 470Bell Bank: 82% approved of 488Trustone Financial Credit Union: 84% approved of 122SunWest Federal Credit Union: 86% approved of 132Aero Federal Credit Union: 86% approved of 169Lendage, LLC: 88% approved of 125Alerus Financial, National Association: 90% approved of 79Homeowners Financial Group USA, LLC: 90% approved of 129Firefighters First Federal Credit Union: 93% approved of 82Mayo Employees Federal Credit Union: 93% approved of 88Direct Mortgage Loans, LLC: 94% approved of 65Coastal Community Bank: 98% approved of 1,293

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

Home improvement loan lenders in Maricopa County

LenderApprovalApprovedTaken upTypical loanLoans made
1Desert Financial Credit Union70%12,449 / 17,73689%$105K11,127
2Bank of America, National Association48%2,497 / 5,15098%$105K2,447
3Arizona Financial Credit Union72%2,437 / 3,36582%$55K1,991
4U.S. Bank National Association47%942 / 2,01595%$95K898
5Spring Eq, LLC45%757 / 1,69396%$75K728

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 277 more lenders.

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Other lending data for Maricopa County

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Nearby markets

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