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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Hamilton County, Ohio

Fat Boy Data analyzed investment home improvement loan activity in Hamilton County, Ohio to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 558 applications were decided by 70 lenders between 2023 and 2025.

Hamilton County at a glance

70Active lenders10 with 20+ decisions
52.5%Market approval rate293 of 558 decided
$105KTypical loanmedian lender, $10K brackets
92%Borrower take-up271 loans funded

How Hamilton County compares

Approval rate compared
Hamilton County52.5%Ohio43.6%All 616 counties51.2%
Typical loan compared
Hamilton County$105KOhio$95KAll 616 counties$115K

What the data shows

Union Savings Bank made the most investment home improvement loans in Hamilton County, OH, 54 of them.

Union Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 90% of 60.

Lenders approved 52.5% of investment home improvement loan applications in Hamilton County, OH, 9.0 percentage points above the Ohio rate of 43.6%.

The typical investment home improvement loan here is $105K, 11% larger than the Ohio typical of $95K.

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 10 lenders with 20+ decisions here
0%25%50%75%100%Fifth Third Bank, National Association: 5% approved of 57U.S. Bank National Association: 13% approved of 31PNC Bank, National Association: 25% approved of 28The Huntington National Bank: 32% approved of 38First Financial Bank: 44% approved of 36Deephaven Mortgage LLC: 70% approved of 27Spring Valley Bank: 76% approved of 29Guardian Savings Bank: 76% approved of 21Figure Lending LLC: 83% approved of 29Union Savings Bank: 90% approved of 60

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

Investment property improvement lenders in Hamilton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Union Savings Bank90%54 / 60100%$105K54
2Fifth Third Bank, National Association5%3 / 57100%$165K3
3The Huntington National Bank32%12 / 38100%$125K12
4First Financial Bank44%16 / 3681%$65K13
5U.S. Bank National Association13%4 / 31100%$105K4

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 65 more lenders.

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