Home improvement loan lenders in Santa Rosa County, Florida
Fat Boy Data analyzed home improvement loan activity in Santa Rosa 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. 2,126 applications were decided by 107 lenders between 2023 and 2025.
Santa Rosa County at a glance
How Santa Rosa County compares
What the data shows
Navy Federal Credit Union made the most home improvement loans in Santa Rosa County, FL, 328 of them.
That is 28% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Eglin Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 98% of 45.
Lenders approved 60.9% of home improvement loan applications in Santa Rosa County, FL, 7.3 percentage points above the Florida rate of 53.6%.
The typical home improvement loan here is $65K, 13% smaller than the Florida typical of $75K.
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.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Santa Rosa County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Navy Federal Credit Union | 70% | 335 / 479 | 98% | $65K | 328 |
| 2 | Regions Bank | 56% | 211 / 376 | 91% | $65K | 191 |
| 3 | PenAir Credit Union | 53% | 134 / 254 | 98% | $65K | 131 |
| 4 | Bank of America, National Association | 43% | 46 / 106 | 98% | $75K | 45 |
| 5 | Figure Lending LLC | 59% | 37 / 63 | 62% | $55K | 23 |
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 102 more lenders.
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