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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in San Bernardino County, California

Fat Boy Data analyzed home improvement loan activity in San Bernardino 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. 18,269 applications were decided by 207 lenders between 2023 and 2025.

San Bernardino County at a glance

207Active lenders62 with 20+ decisions
53.4%Market approval rate9,764 of 18,269 decided
$85KTypical loanmedian lender, $10K brackets
90%Borrower take-up8,832 loans funded

How San Bernardino County compares

Approval rate compared
San Bernardino County53.4%California61.0%All 616 counties62.7%
Typical loan compared
San Bernardino County$85KCalifornia$115KAll 616 counties$75K

What the data shows

Schoolsfirst made the most home improvement loans in San Bernardino County, CA, 1,710 of them.

Alta Vista Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 39.

Lenders approved 53.4% of home improvement loan applications in San Bernardino County, CA, 7.5 percentage points below the California rate of 61.0%.

The typical home improvement loan here is $85K, 26% 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 60 lenders with 20+ decisions here
0%25%50%75%100%Truist Bank: 26% approved of 38Discover Bank: 30% approved of 627Bank of America, National Association: 35% approved of 2,835Arrowhead Federal Credit Union: 36% approved of 3,023Banner Bank: 36% approved of 251Connexus Credit Union: 36% approved of 22BMO Bank National Association: 37% approved of 125U.S. Bank National Association: 38% approved of 1,523UNIFY FINANCIAL Credit Union: 41% approved of 22Alliant Credit Union: 42% approved of 77Spring Eq, LLC: 44% approved of 1,155Global Federal Credit Union: 45% approved of 154Fourleaf: 45% approved of 60California Credit Union: 46% approved of 102Zions Bancorporation, N.A.: 49% approved of 69Comerica Bank: 49% approved of 93Flagstar Bank, National Association: 50% approved of 88Wells Fargo Bank, National Association: 51% approved of 43Citibank, National Association: 51% approved of 39Pentagon Federal Credit Union: 52% approved of 145HomeStreet Bank: 53% approved of 64PARTNERS Federal Credit Union: 53% approved of 47NuVision Federal Credit Union: 55% approved of 64Third Federal Savings And Loan Association Of Cleveland: 55% approved of 185Loandepot.Com, LLC: 56% approved of 57Guaranteed Rate, Inc.: 56% approved of 48PNC Bank, National Association: 56% approved of 167Cmg Mortgage, Inc.: 57% approved of 44First City: 58% approved of 45Navy Federal Credit Union: 58% approved of 650WATER AND POWER COMMUNITY Credit Union: 61% approved of 23First Bank: 61% approved of 23The Golden 1: 61% approved of 110Kind Lending, LLC: 64% approved of 55Financial Partners Credit Union: 67% approved of 149Wescom Central Credit Union: 67% approved of 272Nationstar Mortgage LLC: 68% approved of 119New American Funding, LLC: 68% approved of 116First-Citizens Bank & Trust Company: 68% approved of 22Figure Lending LLC: 70% approved of 738Rocket Mortgage, LLC: 71% approved of 93Baxter Credit Union: 71% approved of 31JPMorgan Chase Bank, National Association: 72% approved of 87Logix Federal Credit Union: 72% approved of 58Frontwave Credit Union: 73% approved of 66Homebridge Financial Services, Inc.: 73% approved of 302Popa Federal Credit Union: 74% approved of 87The Loan Store, Inc.: 75% approved of 221Rize Federal Credit Union: 77% approved of 142The First Financial Federal Credit Union: 80% approved of 69Lendage, LLC: 80% approved of 50NORTHROP GRUMMAN Federal Credit Union: 85% approved of 34Foothill Federal Credit Union: 85% approved of 96LOS ANGELES POLICE Federal Credit Union: 88% approved of 82Schoolsfirst: 89% approved of 1,954Crosscountry Mortgage, LLC: 89% approved of 27Firefighters First Federal Credit Union: 92% approved of 89Paramount Residential Mortgage Group, Inc.: 95% approved of 37Coastal Community Bank: 96% approved of 539Alta Vista Credit Union: 97% approved of 39

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

Home improvement loan lenders in San Bernardino County

LenderApprovalApprovedTaken upTypical loanLoans made
1Arrowhead Federal Credit Union36%1,075 / 3,02395%$65K1,025
2Bank of America, National Association35%993 / 2,83597%$105K963
3Schoolsfirst89%1,736 / 1,95498%$85K1,710
4U.S. Bank National Association38%584 / 1,52397%$105K564
5Spring Eq, LLC44%505 / 1,15597%$85K492

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 202 more lenders.

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Nearby markets

All lending in San Bernardino CountyCounty overviewHome improvement loans across CaliforniaStatewideKern CountyNearby countyLos Angeles CountyNearby county