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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Seminole County, Florida

Fat Boy Data analyzed home improvement loan activity in Seminole County, Florida, home to Sanford, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,218 applications were decided by 142 lenders between 2023 and 2025.

Seminole County at a glance

142Active lenders31 with 20+ decisions
58.1%Market approval rate3,033 of 5,218 decided
$85KTypical loanmedian lender, $10K brackets
91%Borrower take-up2,749 loans funded

How Seminole County compares

Approval rate compared
Seminole County58.1%Florida53.6%All 616 counties62.7%
Typical loan compared
Seminole County$85KFlorida$75KAll 616 counties$75K

What the data shows

Fairwinds Credit Union made the most home improvement loans in Seminole County, FL, 542 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 93% of 41.

The typical home improvement loan here is $85K, 13% larger 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.

Approval rate of all 31 lenders with 20+ decisions here
0%25%50%75%100%One lender: 13% approved of 23One lender: 29% approved of 211One lender: 38% approved of 198Bank of America, National Association: 41% approved of 683One lender: 45% approved of 49One lender: 46% approved of 87One lender: 46% approved of 67Regions Bank: 48% approved of 345Truist Bank: 51% approved of 407One lender: 52% approved of 27One lender: 56% approved of 109One lender: 58% approved of 255One lender: 58% approved of 159One lender: 62% approved of 39One lender: 62% approved of 79One lender: 63% approved of 78One lender: 64% approved of 140One lender: 65% approved of 57One lender: 66% approved of 179One lender: 67% approved of 24One lender: 67% approved of 83One lender: 68% approved of 69Navy Federal Credit Union: 69% approved of 264One lender: 71% approved of 28One lender: 71% approved of 21Fairwinds Credit Union: 72% approved of 768One lender: 76% approved of 29One lender: 77% approved of 115One lender: 83% approved of 23One lender: 93% approved of 41One lender: 99% approved of 150

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Home improvement loan lenders in Seminole County

LenderApprovalApprovedTaken upTypical loanLoans made
1Fairwinds Credit Union72%553 / 76898%$65K542
2Bank of America, National Association41%279 / 68396%$105K269
3Truist Bank51%208 / 40790%$125K187
4Regions Bank48%164 / 34584%$85K137
5Navy Federal Credit Union69%181 / 26497%$75K176

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 137 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home improvement loan lenders in Seminole County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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