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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Georgia

Fat Boy Data analyzed home improvement loan activity in Georgia to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 74,898 applications were decided by 396 lenders between 2023 and 2025.

Georgia at a glance

396Active lenders105 with 20+ decisions
55.5%Market approval rate41,584 of 74,898 decided
$85KTypical loanmedian lender, $10K brackets
93%Borrower take-up38,723 loans funded

How Georgia compares

Approval rate compared
Georgia55.5%All 616 counties62.7%
Typical loan compared
Georgia$85KAll 616 counties$75K

What the data shows

Bank of America, National Association made the most home improvement loans in Georgia, 3,740 of them.

Workmen's Circle Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 94% of 79.

Lenders approved 55.5% of home improvement loan applications in Georgia, 7.2 percentage points below the the United States rate of 62.7%.

The typical home improvement loan here is $85K, 13% larger than the the United States 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 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 33% approved of 3,146Spring Eq, LLC: 37% approved of 2,049Alliant Credit Union: 37% approved of 363Bank of America, National Association: 37% approved of 10,252Truist Bank: 40% approved of 6,460Wells Fargo Bank, National Association: 40% approved of 207U.S. Bank National Association: 43% approved of 1,020Regions Bank: 46% approved of 3,960Pentagon Federal Credit Union: 50% approved of 984Bank OZK: 51% approved of 824Fourleaf: 53% approved of 606Connexus Credit Union: 53% approved of 103Fifth Third Bank, National Association: 55% approved of 1,045PNC Bank, National Association: 56% approved of 2,143Ameris Bank: 57% approved of 1,297Navy Federal Credit Union: 59% approved of 5,915Delta Community Credit Union: 59% approved of 5,407Georgia's Own: 59% approved of 2,794Loandepot.Com, LLC: 60% approved of 259New American Funding, LLC: 61% approved of 396Third Federal Savings And Loan Association Of Cleveland: 62% approved of 1,286Guaranteed Rate, Inc.: 62% approved of 128Better Mortgage Corporation: 62% approved of 72Citizens Bank, National Association: 63% approved of 987State Employees': 64% approved of 77Renasant Bank: 64% approved of 155Georgia United: 67% approved of 2,034First-Citizens Bank & Trust Company: 67% approved of 331Figure Lending LLC: 67% approved of 2,619Synovus Bank: 68% approved of 1,451United Community Bank: 68% approved of 1,781Mutual of Omaha Mortgage, Inc.: 68% approved of 73Rocket Mortgage, LLC: 69% approved of 414JPMorgan Chase Bank, National Association: 69% approved of 139SouthState Bank, National Association: 69% approved of 1,073First Horizon Bank: 69% approved of 239Peach State Federal Credit Union: 70% approved of 393TOWER Federal Credit Union: 71% approved of 112Robins Financial: 71% approved of 2,100Crosscountry Mortgage, LLC: 72% approved of 148Baxter Credit Union: 73% approved of 118Pinnacle Bank: 73% approved of 437The Loan Store, Inc.: 75% approved of 329Capital City Bank: 76% approved of 190Lge Community Credit Union: 76% approved of 851Homebridge Financial Services, Inc.: 77% approved of 351Pinnacle Bank: 77% approved of 208Kinetic Federal Credit Union: 77% approved of 87Wings Financial Credit Union: 78% approved of 127First Technology: 78% approved of 277Associated Credit Union: 82% approved of 901Nationstar Mortgage LLC: 83% approved of 484Homeowners Financial Group USA, LLC: 84% approved of 129Credit Union of Georgia: 85% approved of 1,265United Bank: 85% approved of 178USAlliance Federal Credit Union: 87% approved of 86Lendage, LLC: 90% approved of 249Srp: 93% approved of 200Workmen's Circle Credit Union: 94% approved of 79Coastal Community Bank: 98% approved of 501

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

Home improvement loan lenders in Georgia

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association37%3,843 / 10,25297%$105K3,740
2Truist Bank40%2,567 / 6,46090%$105K2,312
3Navy Federal Credit Union59%3,480 / 5,91597%$75K3,377
4Delta Community Credit Union59%3,198 / 5,40799%$85K3,172
5Regions Bank46%1,829 / 3,96087%$65K1,595

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 391 more lenders.

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Other lending data for Georgia

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Counties in Georgia

Fulton CountyCountyGwinnett CountyCountyCobb CountyCountyDeKalb CountyCountyClayton CountyCountyChatham CountyCountyCherokee CountyCountyForsyth CountyCountyHenry CountyCountyHall CountyCountyRichmond CountyCountyMuscogee CountyCounty