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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Hillsborough County, Florida

Fat Boy Data analyzed home improvement loan activity in Hillsborough County, Florida to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 15,489 applications were decided by 217 lenders between 2023 and 2025.

Hillsborough County at a glance

217Active lenders53 with 20+ decisions
56.6%Market approval rate8,772 of 15,489 decided
$75KTypical loanmedian lender, $10K brackets
91%Borrower take-up7,943 loans funded

How Hillsborough County compares

Approval rate compared
Hillsborough County56.6%Florida53.6%All 616 counties62.7%
Typical loan compared
Hillsborough County$75KFlorida$75KAll 616 counties$75K

What the data shows

Suncoast Credit Union made the most home improvement loans in Hillsborough County, FL, 1,633 of them.

Dfcu Financial approved the highest share of applications among lenders with at least 20 decisions here, 89% of 153.

Only 1 lender here typically writes at or below $35K: Manufacturers and Traders Trust Company.

Approval rate of all 53 lenders with 20+ decisions here
0%25%50%75%100%Florida: 22% approved of 55Manufacturers and Traders Trust Company: 24% approved of 21Discover Bank: 27% approved of 485U.S. Bank National Association: 31% approved of 307Spring Eq, LLC: 32% approved of 403Bank of America, National Association: 35% approved of 1,670Alliant Credit Union: 38% approved of 55BMO Bank National Association: 40% approved of 43Wells Fargo Bank, National Association: 43% approved of 23Truist Bank: 46% approved of 604Loandepot.Com, LLC: 46% approved of 26Bank OZK: 47% approved of 111Regions Bank: 47% approved of 1,168Midflorida: 47% approved of 787Guaranteed Rate, Inc.: 48% approved of 21Fourleaf: 48% approved of 71Fifth Third Bank, National Association: 48% approved of 550Amerant Bank, National Association: 50% approved of 22GTE Federal Credit Union: 50% approved of 105Third Federal Savings And Loan Association Of Cleveland: 52% approved of 758Synovus Bank: 52% approved of 80TD Bank, National Association: 53% approved of 234Pentagon Federal Credit Union: 53% approved of 159New American Funding, LLC: 54% approved of 37Citizens Bank, National Association: 55% approved of 189SouthState Bank, National Association: 57% approved of 114First Horizon Bank: 61% approved of 82PNC Bank, National Association: 61% approved of 346Achieva Credit Union: 63% approved of 102Navy Federal Credit Union: 63% approved of 898Hancock Whitney Bank: 63% approved of 68USF Federal Credit Union: 65% approved of 220Seacoast National Bank: 66% approved of 97The Loan Store, Inc.: 66% approved of 128Lake Michigan Credit Union: 67% approved of 55Figure Lending LLC: 69% approved of 490The Bank of Tampa: 69% approved of 252Baxter Credit Union: 70% approved of 23Suncoast Credit Union: 72% approved of 2,364BayFirst National Bank: 73% approved of 185Grow Financial Federal Credit Union: 75% approved of 203Space Coast Credit Union: 76% approved of 46Homebridge Financial Services, Inc.: 76% approved of 204Rocket Mortgage, LLC: 79% approved of 71JPMorgan Chase Bank, National Association: 80% approved of 25Tampa Bay Federal Credit Union: 80% approved of 20Lendage, LLC: 81% approved of 36Valley National Bank: 81% approved of 116Nationstar Mortgage LLC: 81% approved of 69Crosscountry Mortgage, LLC: 81% approved of 27Republic Bank & Trust Company: 83% approved of 104Dfcu Financial: 89% approved of 153Coastal Community Bank: 96% approved of 450

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Hillsborough County

LenderApprovalApprovedTaken upTypical loanLoans made
1Suncoast Credit Union72%1,694 / 2,36496%$65K1,633
2Bank of America, National Association35%591 / 1,67098%$105K577
3Regions Bank47%548 / 1,16885%$85K464
4Navy Federal Credit Union63%565 / 89897%$75K550
5Midflorida47%370 / 78797%$75K359

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 212 more lenders.

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Other lending data for Hillsborough County

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