Home improvement loan lenders in Santa Cruz County, California
Fat Boy Data analyzed home improvement loan activity in Santa Cruz 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. 1,548 applications were decided by 98 lenders between 2023 and 2025.
Santa Cruz County at a glance
How Santa Cruz County compares
What the data shows
Bay Federal Credit Union made the most home improvement loans in Santa Cruz County, CA, 156 of them.
Bay Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 83% of 189.
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 Santa Cruz County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 54% | 118 / 220 | 98% | $115K | 116 |
| 2 | Bay Federal Credit Union | 83% | 156 / 189 | 100% | $115K | 156 |
| 3 | Comerica Bank | 55% | 76 / 138 | 96% | $145K | 73 |
| 4 | U.S. Bank National Association | 49% | 51 / 105 | 98% | $125K | 50 |
| 5 | STAR ONE Credit Union | 69% | 62 / 90 | 89% | $155K | 55 |
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 93 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Santa Cruz 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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