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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Leon County, Florida

Fat Boy Data analyzed home improvement loan activity in Leon 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. 1,566 applications were decided by 98 lenders between 2023 and 2025.

Leon County at a glance

98Active lenders17 with 20+ decisions
61.1%Market approval rate957 of 1,566 decided
$75KTypical loanmedian lender, $10K brackets
87%Borrower take-up834 loans funded

How Leon County compares

Approval rate compared
Leon County61.1%Florida53.6%All 616 counties62.7%
Typical loan compared
Leon County$75KFlorida$75KAll 616 counties$75K

What the data shows

First Commerce made the most home improvement loans in Leon County, FL, 134 of them.

First Commerce approved the highest share of applications among lenders with at least 20 decisions here, 90% of 158.

Lenders approved 61.1% of home improvement loan applications in Leon County, FL, 7.5 percentage points above the Florida rate of 53.6%.

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.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 22% approved of 50Discover Bank: 30% approved of 56Spring Eq, LLC: 36% approved of 47Bank of America, National Association: 42% approved of 175Truist Bank: 42% approved of 159Regions Bank: 50% approved of 100Third Federal Savings And Loan Association Of Cleveland: 51% approved of 35Figure Lending LLC: 65% approved of 37FIRST FLORIDA Credit Union: 67% approved of 30Citizens Bank, National Association: 68% approved of 22Navy Federal Credit Union: 70% approved of 56Hancock Whitney Bank: 70% approved of 43Capital City Bank: 73% approved of 153Movement Mortgage, LLC: 76% approved of 25First Commerce: 90% approved of 158Coastal Community Bank: 100% approved of 46Gmfs LLC: 100% approved of 26

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

Home improvement loan lenders in Leon County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association42%73 / 17592%$75K67
2Truist Bank42%67 / 15988%$85K59
3First Commerce90%142 / 15894%$55K134
4Capital City Bank73%112 / 15391%$105K102
5Regions Bank50%50 / 10086%$65K43

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 93 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Leon County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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