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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 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%Discover Bank: 36% approved of 151Spring Eq, LLC: 46% approved of 79Pentagon Federal Credit Union: 50% approved of 20Bank of America, National Association: 51% approved of 248Truist Bank: 57% approved of 339Regions Bank: 61% approved of 738U.S. Bank National Association: 64% approved of 147Third Federal Savings And Loan Association Of Cleveland: 64% approved of 45United Community Bank: 68% approved of 40Fifth Third Bank, National Association: 69% approved of 52First Horizon Bank: 70% approved of 475PNC Bank, National Association: 71% approved of 28Navy Federal Credit Union: 73% approved of 106Citizens Bank, National Association: 74% approved of 43Y-12 Federal Credit Union: 75% approved of 533Figure Lending LLC: 77% approved of 138Pinnacle Bank: 79% approved of 125Nationstar Mortgage LLC: 81% approved of 32U. T. Federal Credit Union: 81% approved of 140SmartBank: 84% approved of 43Home Federal Bank of Tennessee: 85% approved of 424Tnconnect Credit Union: 87% approved of 23Eastman Credit Union: 90% approved of 29Ornl: 91% approved of 826SouthEast Bank: 94% approved of 54Mortgage Investors Group, Inc.: 95% approved of 21Coastal Community Bank: 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 name and sample size.

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 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 122 more lenders.

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