Home improvement loan lenders in Merced County, California
Fat Boy Data analyzed home improvement loan activity in Merced 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. 1,322 applications were decided by 91 lenders between 2023 and 2025.
Merced County at a glance
How Merced County compares
What the data shows
Merced School Employees Federal Credit Union made the most home improvement loans in Merced County, CA, 114 of them.
Merced School Employees Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 93% of 126.
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.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Merced County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 36% | 66 / 185 | 95% | $75K | 63 |
| 2 | Merced School Employees Federal Credit Union | 93% | 117 / 126 | 97% | $75K | 114 |
| 3 | Travis Credit Union | 74% | 69 / 93 | 100% | $55K | 69 |
| 4 | Spring Eq, LLC | 41% | 38 / 93 | 97% | $65K | 37 |
| 5 | Educational Employees Credit Union | 56% | 44 / 79 | 89% | $85K | 39 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 86 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Merced County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
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- Approval rate and borrower take-up
- Typical loan size and range
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- Branch count and application options
- How easy each lender is to reach
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