Home improvement loan lenders in St. Johns County, Florida
Fat Boy Data analyzed home improvement loan activity in St. Johns County, Florida, home to St. Augustine, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,709 applications were decided by 151 lenders between 2023 and 2025.
St. Johns County at a glance
How St. Johns County compares
What the data shows
Bank of America, National Association made the most home improvement loans in St. Johns County, FL, 235 of them.
Valley National Bank approved the highest share of applications among lenders with at least 20 decisions here, 96% of 27.
Lenders approved 65.1% of home improvement loan applications in St. Johns County, FL, 11.5 percentage points above the Florida rate of 53.6%.
The typical home improvement loan here is $105K, 40% 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.
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 St. Johns County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 50% | 242 / 488 | 97% | $105K | 235 |
| 2 | Navy Federal Credit Union | 71% | 236 / 334 | 97% | $95K | 229 |
| 3 | Vystar Credit Union | 77% | 203 / 262 | 98% | $95K | 199 |
| 4 | Truist Bank | 54% | 96 / 177 | 94% | $115K | 90 |
| 5 | Community First Credit Union of Flo | 81% | 136 / 168 | 100% | $75K | 136 |
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 146 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in St. Johns 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.
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- 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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