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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Knox County, Tennessee

Fat Boy Data analyzed home improvement loan activity in Knox County, Tennessee, home to Knoxville, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,828 applications were decided by 127 lenders between 2023 and 2025.

Knox County at a glance

127Active lenders28 with 20+ decisions
74.5%Market approval rate4,341 of 5,828 decided
$75KTypical loanmedian lender, $10K brackets
92%Borrower take-up3,999 loans funded

How Knox County compares

Approval rate compared
Knox County74.5%Tennessee63.4%All 616 counties62.7%
Typical loan compared
Knox County$75KTennessee$75KAll 616 counties$75K

What the data shows

Ornl made the most home improvement loans in Knox County, TN, 659 of them.

Knoxville Tva Employees Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 430.

Lenders approved 74.5% of home improvement loan applications in Knox County, TN, 11.1 percentage points above the Tennessee rate of 63.4%.

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 28 lenders with 20+ decisions here
0%25%50%75%100%One lender: 36% approved of 151One lender: 46% approved of 79One lender: 50% approved of 20One lender: 51% approved of 248One lender: 57% approved of 339Regions Bank: 61% approved of 738One lender: 64% approved of 147One lender: 64% approved of 45One lender: 68% approved of 40One lender: 69% approved of 52First Horizon Bank: 70% approved of 475One lender: 71% approved of 28One lender: 73% approved of 106One lender: 74% approved of 43Y-12 Federal Credit Union: 75% approved of 533One lender: 77% approved of 138One lender: 79% approved of 125One lender: 81% approved of 32One lender: 81% approved of 140One lender: 84% approved of 43One lender: 85% approved of 424One lender: 87% approved of 23One lender: 90% approved of 29Ornl: 91% approved of 826One lender: 94% approved of 54One lender: 95% approved of 21One lender: 97% approved of 120Knoxville Tva Employees Credit Union: 97% approved of 430

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 Knox County

LenderApprovalApprovedTaken upTypical loanLoans made
1Ornl91%753 / 82688%$105K659
2Regions Bank61%451 / 73892%$75K417
3Y-12 Federal Credit Union75%399 / 53399%$75K395
4First Horizon Bank70%331 / 47595%$105K315
5Knoxville Tva Employees Credit Union97%416 / 43097%$75K402

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 122 more lenders.

One email unlocks every lender Fat Boy found.

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