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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Montgomery County, Maryland

Fat Boy Data analyzed investment home improvement loan activity in Montgomery County, Maryland to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 311 applications were decided by 61 lenders between 2023 and 2025.

Montgomery County at a glance

61Active lenders3 with 20+ decisions
32.1%Market approval rate100 of 311 decided
$155KTypical loanmedian lender, $10K brackets
94%Borrower take-up94 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County32.1%Maryland35.4%All 616 counties51.2%
Typical loan compared
Montgomery County$155KMaryland$75KAll 616 counties$115K

What the data shows

Navy Federal Credit Union made the most investment home improvement loans in Montgomery County, MD, 14 of them.

TD Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 46% of 26.

The typical investment home improvement loan here is $155K, 107% larger than the Maryland typical of $75K.

No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Investment property improvement lenders in Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Navy Federal Credit Union26%14 / 53100%$95K14
2Bank of America, National Association0%0 / 320
3TD Bank, National Association46%12 / 26100%$185K12
4Spring Eq, LLCLimited sample21%4 / 1975%$105K3
5Truist BankLimited sample19%3 / 16100%$185K3

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 56 more lenders.

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