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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Benton County, Washington

Fat Boy Data analyzed home improvement loan activity in Benton County, Washington to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,151 applications were decided by 81 lenders between 2023 and 2025.

Benton County at a glance

81Active lenders15 with 20+ decisions
69.8%Market approval rate1,502 of 2,151 decided
$75KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,435 loans funded

How Benton County compares

Approval rate compared
Benton County69.8%Washington68.5%All 616 counties62.7%
Typical loan compared
Benton County$75KWashington$105KAll 616 counties$75K

What the data shows

Gesa Credit Union made the most home improvement loans in Benton County, WA, 467 of them.

That is 33% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Tri-Cities Community Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 35.

The typical home improvement loan here is $75K, 29% smaller than the Washington typical of $105K.

Only 1 lender here typically writes at or below $35K: Tri-Cities Community Federal Credit Union.

Approval rate of all 15 lenders with 20+ decisions here
0%25%50%75%100%Spring Eq, LLC: 41% approved of 46Discover Bank: 45% approved of 31Bank of America, National Association: 46% approved of 110Banner Bank: 51% approved of 101U.S. Bank National Association: 52% approved of 83Numerica Credit Union: 62% approved of 413Spokane Teachers: 68% approved of 93Columbia Bank: 68% approved of 95Boeing Employees Credit Union: 71% approved of 21Figure Lending LLC: 74% approved of 58Navy Federal Credit Union: 77% approved of 35Hapo Community Credit Union: 79% approved of 171Gesa Credit Union: 82% approved of 573Yakima Federal Savings and Loan Association: 86% approved of 42Tri-Cities Community Federal Credit Union: 100% approved of 35

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

Home improvement loan lenders in Benton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Gesa Credit Union82%472 / 57399%$75K467
2Numerica Credit Union62%256 / 41399%$105K253
3Hapo Community Credit Union79%135 / 17190%$65K122
4Bank of America, National Association46%51 / 11098%$105K50
5Banner Bank51%52 / 10192%$95K48

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 76 more lenders.

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