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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Hamilton County, Tennessee

Fat Boy Data analyzed home improvement loan activity in Hamilton County, Tennessee to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,481 applications were decided by 128 lenders between 2023 and 2025.

Hamilton County at a glance

128Active lenders21 with 20+ decisions
61.0%Market approval rate2,733 of 4,481 decided
$65KTypical loanmedian lender, $10K brackets
91%Borrower take-up2,490 loans funded

How Hamilton County compares

Approval rate compared
Hamilton County61.0%Tennessee63.4%All 616 counties62.7%
Typical loan compared
Hamilton County$65KTennessee$75KAll 616 counties$75K

What the data shows

Tennessee Valley FCU made the most home improvement loans in Hamilton County, TN, 587 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 22.

The typical home improvement loan here is $65K, 13% smaller than the Tennessee 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 21 lenders with 20+ decisions here
0%25%50%75%100%Spring Eq, LLC: 32% approved of 59Discover Bank: 40% approved of 110Bank of America, National Association: 43% approved of 329Truist Bank: 49% approved of 488U.S. Bank National Association: 50% approved of 34PNC Bank, National Association: 54% approved of 26Regions Bank: 55% approved of 943First Horizon Bank: 56% approved of 418Third Federal Savings And Loan Association Of Cleveland: 57% approved of 28Citizens Bank, National Association: 62% approved of 32Tennessee Valley FCU: 67% approved of 910First Volunteer Bank: 69% approved of 83Figure Lending LLC: 70% approved of 125Movement Mortgage, LLC: 78% approved of 23Navy Federal Credit Union: 80% approved of 90Pinnacle Bank: 81% approved of 119SmartBank: 85% approved of 40SouthEast Bank: 85% approved of 62Coastal Community Bank: 98% approved of 98Homebridge Financial Services, Inc.: 100% approved of 22Chattanooga Area Schools Federal Credit Union: 100% approved of 21

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

Home improvement loan lenders in Hamilton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Regions Bank55%523 / 94389%$55K464
2Tennessee Valley FCU67%608 / 91097%$65K587
3Truist Bank49%240 / 48896%$105K231
4First Horizon Bank56%234 / 41893%$95K218
5Bank of America, National Association43%141 / 32998%$105K138

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 123 more lenders.

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