Home improvement loan lenders in Black Hawk County, Iowa
Fat Boy Data analyzed home improvement loan activity in Black Hawk County, Iowa, home to Waterloo, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,584 applications were decided by 42 lenders between 2023 and 2025.
Black Hawk County at a glance
How Black Hawk County compares
What the data shows
Veridian Credit Union made the most home improvement loans in Black Hawk County, IA, 860 of them.
That is 65% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Farmers State Bank approved the highest share of applications among lenders with at least 20 decisions here, 95% of 56.
The typical home improvement loan here is $35K, 36% smaller than the Iowa typical of $55K.
Only 3 lenders here typically write at or below $35K: Regions Bank, Veridian Credit Union, Farmers State Bank.
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 Black Hawk County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Veridian Credit Union | 90% | 865 / 960 | 99% | $35K | 860 |
| 2 | GREENSTATE Credit Union | 83% | 188 / 226 | 94% | $45K | 176 |
| 3 | U.S. Bank National Association | 64% | 42 / 66 | 98% | $55K | 41 |
| 4 | Empeople Credit Union | 84% | 54 / 64 | 100% | $45K | 54 |
| 5 | Farmers State Bank | 95% | 53 / 56 | 94% | $35K | 50 |
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 37 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Black Hawk 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.
- Every lender in the market
- 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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