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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Miami-Dade County, Florida

Fat Boy Data analyzed investment home improvement loan activity in Miami-Dade 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. 1,868 applications were decided by 126 lenders between 2023 and 2025.

Miami-Dade County at a glance

126Active lenders18 with 20+ decisions
39.4%Market approval rate735 of 1,868 decided
$155KTypical loanmedian lender, $10K brackets
87%Borrower take-up637 loans funded

How Miami-Dade County compares

Approval rate compared
Miami-Dade County39.4%Florida44.9%All 616 counties51.2%
Typical loan compared
Miami-Dade County$155KFlorida$145KAll 616 counties$115K

What the data shows

Deephaven Mortgage LLC made the most investment home improvement loans in Miami-Dade County, FL, 98 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 72% of 151.

Lenders approved 39.4% of investment home improvement loan applications in Miami-Dade County, FL, 5.6 percentage points below the Florida rate of 44.9%.

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.

Approval rate of all 18 lenders with 20+ decisions here
0%25%50%75%100%Bank of America, National Association: 3% approved of 149U.S. Bank National Association: 9% approved of 33Navy Federal Credit Union: 10% approved of 84Regions Bank: 14% approved of 36Truist Bank: 17% approved of 24Spring Eq, LLC: 18% approved of 68Citizens Bank, National Association: 20% approved of 55TD Bank, National Association: 30% approved of 170Amerant Bank, National Association: 32% approved of 47PNC Bank, National Association: 38% approved of 29Space Coast Credit Union: 41% approved of 224Kind Lending, LLC: 43% approved of 37Deephaven Mortgage LLC: 54% approved of 182The Loan Store, Inc.: 55% approved of 51JPMorgan Chase Bank, National Association: 59% approved of 22Rocket Mortgage, LLC: 61% approved of 31Figure Lending LLC: 66% approved of 85Homebridge Financial Services, Inc.: 72% approved of 151

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

Investment property improvement lenders in Miami-Dade County

LenderApprovalApprovedTaken upTypical loanLoans made
1Space Coast Credit Union41%92 / 22485%$105K78
2Deephaven Mortgage LLC54%99 / 18299%$255K98
3TD Bank, National Association30%51 / 17098%$155K50
4Homebridge Financial Services, Inc.72%108 / 15174%$125K80
5Bank of America, National Association3%5 / 14980%$245K4

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 121 more lenders.

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You are seeing the 5 largest investment home improvement loan lenders in Miami-Dade 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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