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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Warren County, Kentucky

Fat Boy Data analyzed home improvement loan activity in Warren County, Kentucky, home to Bowling Green, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 973 applications were decided by 65 lenders between 2023 and 2025.

Warren County at a glance

65Active lenders9 with 20+ decisions
72.2%Market approval rate702 of 973 decided
$55KTypical loanmedian lender, $10K brackets
96%Borrower take-up673 loans funded

How Warren County compares

Approval rate compared
Warren County72.2%Kentucky69.2%All 616 counties62.7%
Typical loan compared
Warren County$55KKentucky$65KAll 616 counties$75K

What the data shows

South Central Bank, Inc. made the most home improvement loans in Warren County, KY, 191 of them.

That is 28% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

South Central Bank, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 93% of 206.

The typical home improvement loan here is $55K, 15% smaller than the Kentucky typical of $65K.

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 9 lenders with 20+ decisions here
0%25%50%75%100%One lender: 39% approved of 28One lender: 44% approved of 50U.S. Bank National Association: 55% approved of 177PNC Bank, National Association: 69% approved of 71One lender: 70% approved of 43Abound Federal Credit Union: 81% approved of 102German American Bank: 82% approved of 57One lender: 92% approved of 26South Central Bank, Inc.: 93% approved of 206

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 Warren County

LenderApprovalApprovedTaken upTypical loanLoans made
1South Central Bank, Inc.93%191 / 206100%$55K191
2U.S. Bank National Association55%97 / 17796%$85K93
3Abound Federal Credit Union81%83 / 102100%$75K83
4PNC Bank, National Association69%49 / 7196%$55K47
5German American Bank82%47 / 5796%$75K45

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 60 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home improvement loan lenders in Warren 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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