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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Illinois

Fat Boy Data analyzed home improvement loan activity in Illinois to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 77,532 applications were decided by 446 lenders between 2023 and 2025.

Illinois at a glance

446Active lenders132 with 20+ decisions
57.9%Market approval rate44,876 of 77,532 decided
$75KTypical loanmedian lender, $10K brackets
92%Borrower take-up41,179 loans funded

How Illinois compares

Approval rate compared
Illinois57.9%All 616 counties62.7%
Typical loan compared
Illinois$75KAll 616 counties$75K

What the data shows

The Huntington National Bank made the most home improvement loans in Illinois, 3,266 of them.

USAlliance Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 96% of 142.

Only 3 lenders here typically write at or below $35K: Marquette Bank, United Community Bank, Heartland Bank And Trust Company.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 30% approved of 3,130U.S. Bank National Association: 36% approved of 5,315Spring Eq, LLC: 38% approved of 1,472Bank of America, National Association: 39% approved of 6,218Commerce Bank: 42% approved of 328The Huntington National Bank: 46% approved of 7,510Regions Bank: 47% approved of 1,464Fourleaf: 48% approved of 322Loandepot.Com, LLC: 50% approved of 163Alliant Credit Union: 50% approved of 1,141First Community: 51% approved of 246Citibank, National Association: 51% approved of 471Associated Bank, National Association: 52% approved of 971Pentagon Federal Credit Union: 52% approved of 436Navy Federal Credit Union: 52% approved of 1,481Fifth Third Bank, National Association: 54% approved of 4,643Connexus Credit Union: 55% approved of 179BMO Bank National Association: 55% approved of 6,101Old National Bank: 56% approved of 2,194Great Lakes: 58% approved of 601Citizens Bank, National Association: 58% approved of 654PNC Bank, National Association: 60% approved of 4,291I. H. Mississippi Valley Credit Union: 61% approved of 142HealthCare Associates Credit Union: 62% approved of 331Scott Credit Union: 63% approved of 708Third Federal Savings And Loan Association Of Cleveland: 64% approved of 765TOWER Federal Credit Union: 65% approved of 136Polish & Slavic: 65% approved of 139Advia Credit Union: 66% approved of 220First American Bank: 66% approved of 3,286First Mid Bank & Trust, National Association: 66% approved of 457Rocket Mortgage, LLC: 67% approved of 374New American Funding, LLC: 68% approved of 240Numark Credit Union: 68% approved of 325Crosscountry Mortgage, LLC: 69% approved of 205American Airlines Federal Credit Union: 70% approved of 215First National Bank of Omaha: 71% approved of 471Guaranteed Rate, Inc.: 71% approved of 658Figure Lending LLC: 72% approved of 1,791Heartland Bank And Trust Company: 75% approved of 145Evergreen Bank Group: 76% approved of 386DuPage Credit Union: 78% approved of 934Marquette Bank: 78% approved of 521Citizens Equity First Credit Union: 78% approved of 1,748First Northern: 78% approved of 199Homebridge Financial Services, Inc.: 79% approved of 1661St Midamerica Credit Union: 80% approved of 305Baxter Credit Union: 82% approved of 969Nationstar Mortgage LLC: 83% approved of 423JPMorgan Chase Bank, National Association: 83% approved of 634GREENSTATE Credit Union: 84% approved of 750Lendage, LLC: 85% approved of 224FCB Banks: 85% approved of 425Morton Community Bank: 86% approved of 583Consumers Cooperative Credit Union: 86% approved of 1,002Busey Bank: 88% approved of 594United Community Bank: 90% approved of 352Abbott Laboratories Employees Credit Union: 95% approved of 128USAlliance Federal Credit Union: 96% approved of 142Coastal Community Bank: 98% approved of 2,254

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

Home improvement loan lenders in Illinois

LenderApprovalApprovedTaken upTypical loanLoans made
1The Huntington National Bank46%3,440 / 7,51095%$95K3,266
2Bank of America, National Association39%2,427 / 6,21897%$95K2,361
3BMO Bank National Association55%3,356 / 6,10196%$105K3,238
4U.S. Bank National Association36%1,899 / 5,31597%$75K1,834
5Fifth Third Bank, National Association54%2,486 / 4,64395%$85K2,361

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 441 more lenders.

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Counties in Illinois

Cook CountyCountyDuPage CountyCountyLake CountyCountyWill CountyCountyKane CountyCountyMcHenry CountyCountyWinnebago CountyCountyMadison CountyCountySt. Clair CountyCountyChampaign CountyCountySangamon CountyCountyPeoria CountyCounty