Investment property improvement lenders in Santa Cruz County, California
Fat Boy Data analyzed investment 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. 117 applications were decided by 42 lenders between 2023 and 2025.
Santa Cruz County at a glance
How Santa Cruz County compares
What the data shows
JPMorgan Chase Bank, National Association made the most investment home improvement loans in Santa Cruz County, CA, 5 of them.
The typical investment home improvement loan here is $205K, 52% larger than the California typical of $135K.
Investment property improvement lenders in Santa Cruz County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank National AssociationLimited sample | 17% | 2 / 12 | 100% | $205K | 2 |
| 2 | Bank of America, National AssociationLimited sample | 8% | 1 / 12 | 100% | $765K | 1 |
| 3 | JPMorgan Chase Bank, National AssociationLimited sample | 62% | 5 / 8 | 100% | $255K | 5 |
| 4 | BMO Bank National AssociationLimited sample | 25% | 2 / 8 | 100% | $135K | 2 |
| 5 | Spring Eq, LLCLimited sample | 40% | 2 / 5 | 100% | $75K | 2 |
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 37 more lenders.
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You are seeing the 5 largest investment 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
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- How easy each lender is to reach
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