Home improvement loan lenders in Bay County, Florida
Fat Boy Data analyzed home improvement loan activity in Bay County, Florida, home to Panama City, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,672 applications were decided by 81 lenders between 2023 and 2025.
Bay County at a glance
How Bay County compares
What the data shows
Tyndall Federal Credit Union made the most home improvement loans in Bay County, FL, 345 of them.
That is 39% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Panhandle Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 90% of 29.
The typical home improvement loan here is $65K, 13% smaller than the Florida typical of $75K.
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 Bay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Tyndall Federal Credit Union | 68% | 350 / 518 | 99% | $55K | 345 |
| 2 | Regions Bank | 47% | 164 / 352 | 84% | $85K | 137 |
| 3 | Navy Federal Credit Union | 64% | 56 / 87 | 98% | $65K | 55 |
| 4 | Innovations Federal Credit Union | 79% | 61 / 77 | 100% | $65K | 61 |
| 5 | Truist Bank | 42% | 19 / 45 | 89% | $105K | 17 |
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 76 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Bay 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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