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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Jackson County, Oregon

Fat Boy Data analyzed home improvement loan activity in Jackson County, Oregon, home to Medford, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,134 applications were decided by 79 lenders between 2023 and 2025.

Jackson County at a glance

79Active lenders15 with 20+ decisions
73.6%Market approval rate1,571 of 2,134 decided
$55KTypical loanmedian lender, $10K brackets
95%Borrower take-up1,487 loans funded

How Jackson County compares

Approval rate compared
Jackson County73.6%Oregon73.7%All 616 counties62.7%
Typical loan compared
Jackson County$55KOregon$75KAll 616 counties$75K

What the data shows

Rogue made the most home improvement loans in Jackson County, OR, 790 of them.

That is 53% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Rogue approved the highest share of applications among lenders with at least 20 decisions here, 88% of 928.

The typical home improvement loan here is $55K, 27% smaller than the Oregon typical of $75K.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 15 lenders with 20+ decisions here
0%25%50%75%100%One lender: 21% approved of 39One lender: 30% approved of 37One lender: 32% approved of 40U.S. Bank National Association: 47% approved of 139Banner Bank: 61% approved of 139One lender: 62% approved of 21One lender: 62% approved of 24One lender: 64% approved of 104One lender: 65% approved of 55First Interstate Bank: 71% approved of 168One lender: 72% approved of 25Columbia Bank: 73% approved of 112One lender: 78% approved of 79Rogue: 88% approved of 928One lender: 100% approved of 42

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 Jackson County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rogue88%818 / 92897%$55K790
2First Interstate Bank71%119 / 16897%$95K115
3U.S. Bank National Association47%65 / 13997%$75K63
4Banner Bank61%85 / 13994%$105K80
5Columbia Bank73%82 / 11298%$65K80

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 74 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home improvement loan lenders in Jackson 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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