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
How San Bernardino County compares
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.
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 San Bernardino County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Arrowhead Federal Credit Union | 36% | 1,075 / 3,023 | 95% | $65K | 1,025 |
| 2 | Bank of America, National Association | 35% | 993 / 2,835 | 97% | $105K | 963 |
| 3 | Schoolsfirst | 89% | 1,736 / 1,954 | 98% | $85K | 1,710 |
| 4 | U.S. Bank National Association | 38% | 584 / 1,523 | 97% | $105K | 564 |
| 5 | Spring Eq, LLC | 44% | 505 / 1,155 | 97% | $85K | 492 |
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 202 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in San Bernardino 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.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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