Home improvement loan lenders in Bay County, Michigan
Fat Boy Data analyzed home improvement loan activity in Bay County, Michigan to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 866 applications were decided by 62 lenders between 2023 and 2025.
Bay County at a glance
How Bay County compares
What the data shows
The Huntington National Bank made the most home improvement loans in Bay County, MI, 105 of them.
FinancialEdge Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 29.
The typical home improvement loan here is $45K, 18% smaller than the Michigan typical of $55K.
Only 3 lenders here typically write at or below $35K: FinancialEdge Credit Union, Financial Plus Credit Union, Great Lakes Federal Credit Union.
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 Bay County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 53% | 109 / 206 | 96% | $65K | 105 |
| 2 | United Bay Community | 89% | 70 / 79 | 100% | $45K | 70 |
| 3 | Independent Bank | 54% | 38 / 70 | 100% | $45K | 38 |
| 4 | PNC Bank, National Association | 48% | 25 / 52 | 96% | $55K | 24 |
| 5 | Financial Plus Credit Union | 87% | 39 / 45 | 100% | $35K | 39 |
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 57 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Bay 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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