Home improvement loan lenders in Monterey County, California
Fat Boy Data analyzed home improvement loan activity in Monterey 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. 2,070 applications were decided by 104 lenders between 2023 and 2025.
Monterey County at a glance
How Monterey County compares
What the data shows
Bank of America, National Association made the most home improvement loans in Monterey County, CA, 181 of them.
JPMorgan Chase Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 85% of 26.
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 name and sample size.
Home improvement loan lenders in Monterey County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 42% | 182 / 438 | 99% | $115K | 181 |
| 2 | U.S. Bank National Association | 43% | 100 / 230 | 98% | $135K | 98 |
| 3 | Spring Eq, LLC | 40% | 66 / 166 | 100% | $105K | 66 |
| 4 | The Golden 1 | 57% | 63 / 111 | 94% | $105K | 59 |
| 5 | Figure Lending LLC | 76% | 77 / 101 | 65% | $95K | 50 |
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 99 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Monterey 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.
- Every lender, ranked
- Approval and take-up rates
- Typical loan and full range
- Nearest office and distance
- Branch count and how to apply
- How reachable each lender is
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