Investment property improvement lenders in Bay County, Florida
Fat Boy Data analyzed investment 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. 221 applications were decided by 65 lenders between 2023 and 2025.
Bay County at a glance
How Bay County compares
What the data shows
Navy Federal Credit Union made the most investment home improvement loans in Bay County, FL, 12 of them.
Navy Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 48% of 25.
Lenders approved 50.2% of investment home improvement loan applications in Bay County, FL, 5.3 percentage points above the Florida rate of 44.9%.
The typical investment home improvement loan here is $105K, 28% smaller than the Florida typical of $145K.
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.
Investment property improvement lenders in Bay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Regions Bank | 31% | 8 / 26 | 75% | $105K | 6 |
| 2 | Navy Federal Credit Union | 48% | 12 / 25 | 100% | $105K | 12 |
| 3 | Tyndall Federal Credit UnionLimited sample | 37% | 7 / 19 | 100% | $65K | 7 |
| 4 | Figure Lending LLCLimited sample | 42% | 5 / 12 | 80% | $75K | 4 |
| 5 | Truist BankLimited sample | 22% | 2 / 9 | 50% | $105K | 1 |
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 60 more lenders.
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You are seeing the 5 largest investment 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.
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