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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Centre County, Pennsylvania

Fat Boy Data analyzed home improvement loan activity in Centre County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,518 applications were decided by 73 lenders between 2023 and 2025.

Centre County at a glance

73Active lenders17 with 20+ decisions
77.9%Market approval rate1,182 of 1,518 decided
$65KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,131 loans funded

How Centre County compares

Approval rate compared
Centre County77.9%Pennsylvania66.7%All 616 counties62.7%
Typical loan compared
Centre County$65KPennsylvania$65KAll 616 counties$75K

What the data shows

Pennsylvania State Employees Credit Union made the most home improvement loans in Centre County, PA, 156 of them.

Titan Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 60.

Lenders approved 77.9% of home improvement loan applications in Centre County, PA, 11.2 percentage points above the Pennsylvania rate of 66.7%.

Only 1 lender here typically writes at or below $35K: Titan Federal Credit Union.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%Truist Bank: 32% approved of 25Bank of America, National Association: 46% approved of 24First National Bank of Pennsylvania: 64% approved of 215Citizens Bank, National Association: 67% approved of 132Ameriserv Financial Bank: 67% approved of 21PNC Bank, National Association: 70% approved of 112First Commonwealth Bank: 73% approved of 37Manufacturers and Traders Trust Company: 80% approved of 59Northwest Bank: 83% approved of 90Reliance Savings Bank: 88% approved of 49Jersey Shore State Bank: 90% approved of 98CNB Bank: 90% approved of 49Kish Bank: 90% approved of 61Pennsylvania State Employees Credit Union: 91% approved of 183HORIZON Federal Credit Union: 91% approved of 23Penn State Federal Credit Union: 96% approved of 92Titan Federal Credit Union: 100% approved of 60

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

Home improvement loan lenders in Centre County

LenderApprovalApprovedTaken upTypical loanLoans made
1First National Bank of Pennsylvania64%137 / 21599%$75K135
2Pennsylvania State Employees Credit Union91%166 / 18394%$55K156
3Citizens Bank, National Association67%88 / 13295%$105K84
4PNC Bank, National Association70%78 / 11295%$75K74
5Jersey Shore State Bank90%88 / 9898%$75K86

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 68 more lenders.

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