Home improvement loan lenders in Ottawa County, Michigan
Fat Boy Data analyzed home improvement loan activity in Ottawa County, Michigan, home to Holland, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,250 applications were decided by 95 lenders between 2023 and 2025.
Ottawa County at a glance
How Ottawa County compares
What the data shows
Lake Michigan Credit Union made the most home improvement loans in Ottawa County, MI, 1,303 of them.
That is 41% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
AAC Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 38.
Lenders approved 79.2% of home improvement loan applications in Ottawa County, MI, 12.2 percentage points above the Michigan rate of 67.0%.
Only 1 lender here typically writes at or below $35K: Credit Union One.
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 Ottawa County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Lake Michigan Credit Union | 90% | 1,380 / 1,539 | 94% | $55K | 1,303 |
| 2 | The Huntington National Bank | 69% | 543 / 785 | 97% | $95K | 527 |
| 3 | Fifth Third Bank, National Association | 75% | 325 / 433 | 95% | $75K | 310 |
| 4 | United Federal Credit Union | 70% | 93 / 132 | 94% | $55K | 87 |
| 5 | PNC Bank, National Association | 76% | 96 / 127 | 98% | $65K | 94 |
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 90 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Ottawa 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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