Home improvement loan lenders in St. Louis County, Minnesota
Fat Boy Data analyzed home improvement loan activity in St. Louis County, Minnesota, home to Duluth, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,369 applications were decided by 83 lenders between 2023 and 2025.
St. Louis County at a glance
How St. Louis County compares
What the data shows
Affinity Plus made the most home improvement loans in St. Louis County, MN, 157 of them.
Blaze Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 95% of 22.
The typical home improvement loan here is $55K, 15% smaller than the Minnesota typical of $65K.
Only 2 lenders here typically write at or below $35K: Ely Area Credit Union, Spring Eq, LLC.
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 St. Louis County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | U.S. Bank National Association | 55% | 113 / 206 | 98% | $55K | 111 |
| 2 | Affinity Plus | 93% | 159 / 171 | 99% | $45K | 157 |
| 3 | Members Cooperative | 86% | 129 / 150 | 99% | $45K | 128 |
| 4 | Centricity Credit Union | 94% | 136 / 144 | 97% | $55K | 132 |
| 5 | Frandsen Bank & Trust | 87% | 80 / 92 | 100% | $65K | 80 |
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 78 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in St. Louis 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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