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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Contra Costa County, California

Fat Boy Data analyzed investment home improvement loan activity in Contra Costa County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 546 applications were decided by 85 lenders between 2023 and 2025.

Contra Costa County at a glance

85Active lenders7 with 20+ decisions
56.0%Market approval rate306 of 546 decided
$175KTypical loanmedian lender, $10K brackets
88%Borrower take-up268 loans funded

How Contra Costa County compares

Approval rate compared
Contra Costa County56.0%California52.5%All 616 counties51.2%
Typical loan compared
Contra Costa County$175KCalifornia$135KAll 616 counties$115K

What the data shows

Fremont Bank made the most investment home improvement loans in Contra Costa County, CA, 34 of them.

Fremont Bank approved the highest share of applications among lenders with at least 20 decisions here, 70% of 50.

The typical investment home improvement loan here is $175K, 30% larger than the California typical of $135K.

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 7 lenders with 20+ decisions here
0%25%50%75%100%Bank of America, National Association: 5% approved of 39U.S. Bank National Association: 15% approved of 34BMO Bank National Association: 29% approved of 28Spring Eq, LLC: 38% approved of 261St United Services Credit Union: 64% approved of 33Fremont Bank: 70% approved of 50Figure Lending LLC: 81% approved of 43

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

Investment property improvement lenders in Contra Costa County

LenderApprovalApprovedTaken upTypical loanLoans made
1Fremont Bank70%35 / 5097%$175K34
2Figure Lending LLC81%35 / 4354%$105K19
3Bank of America, National Association5%2 / 39100%$105K2
4U.S. Bank National Association15%5 / 3480%$215K4
51St United Services Credit Union64%21 / 3376%$105K16

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 80 more lenders.

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You are seeing the 5 largest investment home improvement loan lenders in Contra Costa 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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