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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Pinellas County, Florida

Fat Boy Data analyzed home improvement loan activity in Pinellas 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. 12,174 applications were decided by 191 lenders between 2023 and 2025.

Pinellas County at a glance

191Active lenders50 with 20+ decisions
58.1%Market approval rate7,068 of 12,174 decided
$75KTypical loanmedian lender, $10K brackets
89%Borrower take-up6,311 loans funded

How Pinellas County compares

Approval rate compared
Pinellas County58.1%Florida53.6%All 616 counties62.7%
Typical loan compared
Pinellas County$75KFlorida$75KAll 616 counties$75K

What the data shows

Achieva Credit Union made the most home improvement loans in Pinellas County, FL, 750 of them.

Homeowners Financial Group USA, LLC approved the highest share of applications among lenders with at least 20 decisions here, 92% of 24.

Only 1 lender here typically writes at or below $35K: Floridacentral Credit Union.

Approval rate of all 50 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 27% approved of 330Florida: 32% approved of 41Spring Eq, LLC: 33% approved of 240Bank of America, National Association: 38% approved of 1,406U.S. Bank National Association: 39% approved of 209Loandepot.Com, LLC: 43% approved of 21Truist Bank: 45% approved of 627Kind Lending, LLC: 48% approved of 21Alliant Credit Union: 48% approved of 44Pentagon Federal Credit Union: 48% approved of 92Midflorida: 48% approved of 674Regions Bank: 51% approved of 1,388TD Bank, National Association: 51% approved of 179Fourleaf: 52% approved of 63Synovus Bank: 54% approved of 83Fifth Third Bank, National Association: 55% approved of 508SouthState Bank, National Association: 56% approved of 72Bank OZK: 56% approved of 142Guaranteed Rate, Inc.: 56% approved of 25Third Federal Savings And Loan Association Of Cleveland: 59% approved of 762Citizens Bank, National Association: 60% approved of 146Navy Federal Credit Union: 61% approved of 437Rocket Mortgage, LLC: 62% approved of 73First Horizon Bank: 62% approved of 47PNC Bank, National Association: 62% approved of 328JPMorgan Chase Bank, National Association: 64% approved of 33New American Funding, LLC: 66% approved of 38Seacoast National Bank: 67% approved of 84Hancock Whitney Bank: 69% approved of 90Figure Lending LLC: 69% approved of 357Wells Fargo Bank, National Association: 69% approved of 29Floridacentral Credit Union: 69% approved of 26GTE Federal Credit Union: 70% approved of 53Valley National Bank: 70% approved of 97Suncoast Credit Union: 71% approved of 460USF Federal Credit Union: 71% approved of 62Crosscountry Mortgage, LLC: 71% approved of 28Nationstar Mortgage LLC: 73% approved of 33The Loan Store, Inc.: 73% approved of 70The Bank of Tampa: 73% approved of 86Space Coast Credit Union: 74% approved of 43Homebridge Financial Services, Inc.: 75% approved of 102BayFirst National Bank: 76% approved of 322Grow Financial Federal Credit Union: 78% approved of 122Lendage, LLC: 78% approved of 23Republic Bank & Trust Company: 80% approved of 154Achieva Credit Union: 80% approved of 1,014Dfcu Financial: 84% approved of 58Homeowners Financial Group USA, LLC: 92% approved of 24Coastal Community Bank: 98% approved of 328

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

Home improvement loan lenders in Pinellas County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association38%531 / 1,40696%$105K510
2Regions Bank51%711 / 1,38886%$55K613
3Achieva Credit Union80%813 / 1,01492%$75K750
4Third Federal Savings And Loan Association Of Cleveland59%453 / 76296%$75K436
5Midflorida48%325 / 67498%$65K319

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 186 more lenders.

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Nearby markets

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