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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in St. Johns County, Florida

Fat Boy Data analyzed home improvement loan activity in St. Johns 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. 3,709 applications were decided by 151 lenders between 2023 and 2025.

St. Johns County at a glance

151Active lenders26 with 20+ decisions
65.1%Market approval rate2,414 of 3,709 decided
$105KTypical loanmedian lender, $10K brackets
92%Borrower take-up2,219 loans funded

How St. Johns County compares

Approval rate compared
St. Johns County65.1%Florida53.6%All 616 counties62.7%
Typical loan compared
St. Johns County$105KFlorida$75KAll 616 counties$75K

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.

Approval rate of all 26 lenders with 20+ decisions here
0%25%50%75%100%Spring Eq, LLC: 36% approved of 122Discover Bank: 46% approved of 127Bank of America, National Association: 50% approved of 488Regions Bank: 51% approved of 151Truist Bank: 54% approved of 177U.S. Bank National Association: 57% approved of 95Third Federal Savings And Loan Association Of Cleveland: 59% approved of 107Ameris Bank: 60% approved of 135Pentagon Federal Credit Union: 62% approved of 45Fourleaf: 62% approved of 40Homebridge Financial Services, Inc.: 67% approved of 33PNC Bank, National Association: 67% approved of 157Figure Lending LLC: 67% approved of 168Fifth Third Bank, National Association: 68% approved of 99Seacoast National Bank: 68% approved of 22Citizens Bank, National Association: 70% approved of 67Navy Federal Credit Union: 71% approved of 334SouthState Bank, National Association: 73% approved of 105Space Coast Credit Union: 76% approved of 46Vystar Credit Union: 77% approved of 262TD Bank, National Association: 79% approved of 89Community First Credit Union of Flo: 81% approved of 168Rocket Mortgage, LLC: 81% approved of 32The Loan Store, Inc.: 86% approved of 36Valley National Bank: 96% approved of 27Coastal Community Bank: 96% approved of 110

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

Home improvement loan lenders in St. Johns County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association50%242 / 48897%$105K235
2Navy Federal Credit Union71%236 / 33497%$95K229
3Vystar Credit Union77%203 / 26298%$95K199
4Truist Bank54%96 / 17794%$115K90
5Community First Credit Union of Flo81%136 / 168100%$75K136

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 146 more lenders.

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Other lending data for St. Johns County

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Nearby markets

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