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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Utah

Fat Boy Data analyzed home improvement loan activity in Utah to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 40,602 applications were decided by 143 lenders between 2023 and 2025.

Utah at a glance

143Active lenders50 with 20+ decisions
76.7%Market approval rate31,152 of 40,602 decided
$75KTypical loanmedian lender, $10K brackets
93%Borrower take-up28,907 loans funded

How Utah compares

Approval rate compared
Utah76.7%All 616 counties62.7%
Typical loan compared
Utah$75KAll 616 counties$75K

What the data shows

AMERICA FIRST Federal Credit Union made the most home improvement loans in Utah, 12,325 of them.

That is 43% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Jordan Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 31.

Lenders approved 76.7% of home improvement loan applications in Utah, 14.0 percentage points above the the United States rate of 62.7%.

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 50 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 5% approved of 21Discover Bank: 32% approved of 539Bank of America, National Association: 36% approved of 500Alliant Credit Union: 39% approved of 44Spring Eq, LLC: 45% approved of 476BMO Bank National Association: 47% approved of 30U.S. Bank National Association: 50% approved of 729Pentagon Federal Credit Union: 51% approved of 70Delta Community Credit Union: 52% approved of 25Fourleaf: 56% approved of 52New American Funding, LLC: 57% approved of 83KeyBank National Association: 59% approved of 97Securitynational Mortgage Company: 59% approved of 44NBH Bank: 59% approved of 27Loandepot.Com, LLC: 60% approved of 48PNC Bank, National Association: 65% approved of 180Crosscountry Mortgage, LLC: 65% approved of 20Mountain America Federal Credit Union: 65% approved of 8,262Chartway Federal Credit Union: 66% approved of 349Navy Federal Credit Union: 68% approved of 206Kind Lending, LLC: 68% approved of 116Figure Lending LLC: 69% approved of 485Zions Bancorporation, N.A.: 69% approved of 940Glacier Bank: 70% approved of 111Utah First: 72% approved of 1,202Wafd Bank: 75% approved of 36Goldenwest: 77% approved of 3,393Canyon View: 77% approved of 1,231State Bank of Southern Utah: 79% approved of 70Onity Mortgage Corporation: 79% approved of 42Baxter Credit Union: 80% approved of 40Guaranteed Rate, Inc.: 80% approved of 25The Loan Store, Inc.: 83% approved of 149Utah Community Federal Credit Union: 83% approved of 2,842Granite Federal Credit Union: 83% approved of 238Rocket Mortgage, LLC: 84% approved of 56Homebridge Financial Services, Inc.: 85% approved of 66AMERICA FIRST Federal Credit Union: 87% approved of 14,822Nationstar Mortgage LLC: 88% approved of 140Deseret First Credit Union: 88% approved of 822JPMorgan Chase Bank, National Association: 89% approved of 27CYPRUS Federal Credit Union: 90% approved of 672Alpine Federal Credit Union: 91% approved of 69Central Bank: 95% approved of 37Longbridge Financial, LLC: 95% approved of 38Ascent: 96% approved of 105Coastal Community Bank: 99% approved of 512Bank of Utah: 99% approved of 122Jordan Federal Credit Union: 100% approved of 31Unnamed 254900Qg: 100% approved of 22

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

Home improvement loan lenders in Utah

LenderApprovalApprovedTaken upTypical loanLoans made
1AMERICA FIRST Federal Credit Union87%12,901 / 14,82296%$75K12,325
2Mountain America Federal Credit Union65%5,384 / 8,26297%$75K5,249
3Goldenwest77%2,605 / 3,39393%$105K2,415
4Utah Community Federal Credit Union83%2,355 / 2,84278%$75K1,837
5Canyon View77%950 / 1,23192%$105K876

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 138 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Utah. 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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Counties in Utah

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