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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in St. Joseph County, Indiana

Fat Boy Data analyzed home improvement loan activity in St. Joseph County, Indiana, home to South Bend, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 3,459 applications were decided by 84 lenders between 2023 and 2025.

St. Joseph County at a glance

84Active lenders24 with 20+ decisions
70.1%Market approval rate2,425 of 3,459 decided
$55KTypical loanmedian lender, $10K brackets
93%Borrower take-up2,252 loans funded

How St. Joseph County compares

Approval rate compared
St. Joseph County70.1%Indiana67.0%All 616 counties62.7%
Typical loan compared
St. Joseph County$55KIndiana$55KAll 616 counties$75K

What the data shows

Notre Dame Federal Credit Union Corporation made the most home improvement loans in St. Joseph County, IN, 543 of them.

First Federal Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 93% of 92.

Only 2 lenders here typically write at or below $35K: 1st Source Bank, Navy Federal Credit Union.

Approval rate of all 24 lenders with 20+ decisions here
0%25%50%75%100%One lender: 26% approved of 47One lender: 26% approved of 50One lender: 31% approved of 71One lender: 39% approved of 46One lender: 41% approved of 29One lender: 44% approved of 34One lender: 51% approved of 51One lender: 53% approved of 51One lender: 54% approved of 24Centier Bank: 57% approved of 134One lender: 58% approved of 113One lender: 58% approved of 33United Federal Credit Union: 61% approved of 172One lender: 62% approved of 125One lender: 67% approved of 21One lender: 68% approved of 77One lender: 70% approved of 47One lender: 72% approved of 761st Source Bank: 74% approved of 519Everwise Credit Union: 77% approved of 588Notre Dame Federal Credit Union Corporation: 83% approved of 710One lender: 88% approved of 128One lender: 93% approved of 92One lender: 100% approved of 30

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. Joseph County

LenderApprovalApprovedTaken upTypical loanLoans made
1Notre Dame Federal Credit Union Corporation83%592 / 71092%$65K543
2Everwise Credit Union77%453 / 58899%$55K447
31st Source Bank74%386 / 51988%$35K338
4United Federal Credit Union61%105 / 17298%$45K103
5Centier Bank57%76 / 13492%$55K70

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 79 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home improvement loan lenders in St. Joseph 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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