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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Humboldt County, California

Fat Boy Data analyzed home improvement loan activity in Humboldt 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. 398 applications were decided by 54 lenders between 2023 and 2025.

Humboldt County at a glance

54Active lenders6 with 20+ decisions
58.3%Market approval rate232 of 398 decided
$75KTypical loanmedian lender, $10K brackets
91%Borrower take-up210 loans funded

How Humboldt County compares

Approval rate compared
Humboldt County58.3%California61.0%All 616 counties62.7%
Typical loan compared
Humboldt County$75KCalifornia$115KAll 616 counties$75K

What the data shows

Columbia Bank made the most home improvement loans in Humboldt County, CA, 44 of them.

Columbia Bank approved the highest share of applications among lenders with at least 20 decisions here, 74% of 62.

The typical home improvement loan here is $75K, 35% smaller than the California typical of $115K.

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 6 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 35% approved of 20Bank of America, National Association: 42% approved of 24U.S. Bank National Association: 47% approved of 68Tri Counties Bank: 58% approved of 38Figure Lending LLC: 59% approved of 37Columbia Bank: 74% approved of 62

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

Home improvement loan lenders in Humboldt County

LenderApprovalApprovedTaken upTypical loanLoans made
1U.S. Bank National Association47%32 / 68100%$85K32
2Columbia Bank74%46 / 6296%$75K44
3Tri Counties Bank58%22 / 3891%$105K20
4Figure Lending LLC59%22 / 3777%$85K17
5Bank of America, National Association42%10 / 24100%$65K10

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 49 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Humboldt 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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