Investment property improvement lenders in Santa Clara County, California
Fat Boy Data analyzed investment home improvement loan activity in Santa Clara 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. 642 applications were decided by 77 lenders between 2023 and 2025.
Santa Clara County at a glance
How Santa Clara County compares
What the data shows
Fremont Bank made the most investment home improvement loans in Santa Clara County, CA, 38 of them.
East West Bank approved the highest share of applications among lenders with at least 20 decisions here, 91% of 23.
The typical investment home improvement loan here is $255K, 89% larger than the California typical of $135K.
No lender with a meaningful sample here has a typical investment 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.
Investment property improvement lenders in Santa Clara County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 9% | 6 / 65 | 100% | $125K | 6 |
| 2 | BMO Bank National Association | 31% | 20 / 65 | 100% | $255K | 20 |
| 3 | Fremont Bank | 65% | 39 / 60 | 97% | $255K | 38 |
| 4 | U.S. Bank National Association | 12% | 5 / 41 | 100% | $205K | 5 |
| 5 | Meriwest | 58% | 21 / 36 | 100% | $315K | 21 |
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 72 more lenders.
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You are seeing the 5 largest investment home improvement loan lenders in Santa Clara 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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