Figure Lending LLC mortgage approval rate & lending review
Figure Lending LLC decided 58,143 mortgage applications and funded 27,156 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Figure Lending LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to figure.com.
Figure Lending LLC at a glance
Approval is 5.9 points above the 61.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 68% | 36,136 / 53,380 | 69% | $65K | 25,057 |
| Investment home improvement | 67% | 3,211 / 4,763 | 65% | $85K | 2,099 |
Figure Lending LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 68% | $105K | 13,085 | 5,931 |
| Florida | 64% | $65K | 7,768 | 3,388 |
| Georgia | 67% | $65K | 2,828 | 1,380 |
| Arizona | 71% | $65K | 2,738 | 1,413 |
| New Jersey | 65% | $75K | 2,466 | 1,133 |
| Ohio | 72% | $55K | 1,974 | 1,027 |
| Pennsylvania | 68% | $55K | 1,961 | 930 |
| Illinois | 71% | $65K | 1,934 | 923 |
| North Carolina | 69% | $65K | 1,802 | 906 |
| Washington | 70% | $95K | 1,674 | 827 |
| Michigan | 68% | $45K | 1,557 | 719 |
| Virginia | 72% | $65K | 1,475 | 724 |
| Colorado | 69% | $65K | 1,433 | 690 |
| Tennessee | 70% | $55K | 1,363 | 658 |
| Massachusetts | 66% | $75K | 1,102 | 508 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Figure Lending LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 63% | 2,702 | 1,148 |
| Maricopa County, AZ | Home improvement loans | 71% | 1,672 | 877 |
| San Diego County, CA | Home improvement loans | 71% | 1,424 | 687 |
| Riverside County, CA | Home improvement loans | 69% | 1,010 | 463 |
| Orange County, CA | Home improvement loans | 66% | 1,079 | 457 |
| Broward County, FL | Home improvement loans | 61% | 824 | 341 |
| Cook County, IL | Home improvement loans | 70% | 723 | 341 |
| San Bernardino County, CA | Home improvement loans | 70% | 738 | 336 |
| Clark County, NV | Home improvement loans | 63% | 687 | 295 |
| Palm Beach County, FL | Home improvement loans | 62% | 714 | 294 |
| Miami-Dade County, FL | Home improvement loans | 54% | 811 | 274 |
| King County, WA | Home improvement loans | 70% | 507 | 248 |
The county markets where Figure Lending LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Figure Lending LLC
What is Figure Lending LLC's mortgage approval rate?
Figure Lending LLC approved 67.7% of the 58,143 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.9 points above the 61.7% national rate for the same mix of loan types.
How often do borrowers take the loan Figure Lending LLC offers?
Borrowers accepted 69% of the loans Figure Lending LLC approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Figure Lending LLC make?
The typical home improvement loan loan Figure Lending LLC made was $65K; across all loan types its typical loan ran from $65K to $85K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Figure Lending LLC lend?
Figure Lending LLC decided applications in 51 of the states Fat Boy Data covers, most of them in California, Florida and Georgia.
Can I apply to Figure Lending LLC directly?
Yes. Figure Lending LLC reports as a direct lender that takes applications from borrowers. Its website is figure.com.
Does this page show Figure Lending LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Figure Lending LLC treats applications, then get a rate quote from the lender.