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 name and sample size.
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 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 57 more lenders.
Free. One email unlocks the whole market.
You are seeing the 5 largest home improvement loan lenders in Bay County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
- Every lender, ranked
- Approval and take-up rates
- Typical loan and full range
- Nearest office and distance
- Branch count and how to apply
- How reachable each lender is
We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.