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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Essex County, New Jersey

Fat Boy Data analyzed investment home improvement loan activity in Essex County, New Jersey to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 526 applications were decided by 63 lenders between 2023 and 2025.

Essex County at a glance

63Active lenders6 with 20+ decisions
51.3%Market approval rate270 of 526 decided
$395KTypical loanmedian lender, $10K brackets
91%Borrower take-up245 loans funded

How Essex County compares

Approval rate compared
Essex County51.3%New Jersey52.7%All 616 counties51.2%
Typical loan compared
Essex County$395KNew Jersey$185KAll 616 counties$115K

What the data shows

Abl Rpc Residential Credit Acquisition LLC made the most investment home improvement loans in Essex County, NJ, 102 of them.

That is 42% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.

Abl Rpc Residential Credit Acquisition LLC approved the highest share of applications among lenders with at least 20 decisions here, 94% of 119.

The typical investment home improvement loan here is $395K, 114% larger than the New Jersey typical of $185K.

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.

Approval rate of all 6 lenders with 20+ decisions here
0%25%50%75%100%Bank of America, National Association: 3% approved of 31Citizens Bank, National Association: 4% approved of 24TD Bank, National Association: 32% approved of 97Figure Lending LLC: 62% approved of 24Homebridge Financial Services, Inc.: 88% approved of 25Abl Rpc Residential Credit Acquisition LLC: 94% approved of 119

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property improvement lenders in Essex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Abl Rpc Residential Credit Acquisition LLC94%112 / 11991%$505K102
2TD Bank, National Association32%31 / 9794%$125K29
3Bank of America, National Association3%1 / 31100%$685K1
4Homebridge Financial Services, Inc.88%22 / 2586%$195K19
5Citizens Bank, National Association4%1 / 24100%$355K1

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 58 more lenders.

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You are seeing the 5 largest investment home improvement loan lenders in Essex 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.

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