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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Bradley County, Tennessee

Fat Boy Data analyzed home improvement loan activity in Bradley County, Tennessee, home to Cleveland, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,034 applications were decided by 74 lenders between 2023 and 2025.

Bradley County at a glance

74Active lenders10 with 20+ decisions
63.1%Market approval rate653 of 1,034 decided
$75KTypical loanmedian lender, $10K brackets
91%Borrower take-up597 loans funded

How Bradley County compares

Approval rate compared
Bradley County63.1%Tennessee63.4%All 616 counties62.7%
Typical loan compared
Bradley County$75KTennessee$75KAll 616 counties$75K

What the data shows

Tennessee Valley FCU made the most home improvement loans in Bradley County, TN, 125 of them.

First Citizens National Bank approved the highest share of applications among lenders with at least 20 decisions here, 91% of 34.

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 10 lenders with 20+ decisions here
0%25%50%75%100%One lender: 29% approved of 31Truist Bank: 43% approved of 74One lender: 44% approved of 39Regions Bank: 53% approved of 245One lender: 56% approved of 32First Horizon Bank: 59% approved of 83United Community Bank: 73% approved of 62Tennessee Valley FCU: 73% approved of 173One lender: 91% approved of 34One lender: 100% approved of 20

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 Bradley County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank53%129 / 24591%$55K117
2Tennessee Valley FCU73%126 / 17399%$75K125
3First Horizon Bank59%49 / 8388%$55K43
4Truist Bank43%32 / 7488%$105K28
5United Community Bank73%45 / 6298%$65K44

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 69 more lenders.

One email unlocks every lender Fat Boy found.

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