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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Sheboygan County, Wisconsin

Fat Boy Data analyzed home improvement loan activity in Sheboygan County, Wisconsin to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,516 applications were decided by 67 lenders between 2023 and 2025.

Sheboygan County at a glance

67Active lenders17 with 20+ decisions
81.0%Market approval rate1,228 of 1,516 decided
$55KTypical loanmedian lender, $10K brackets
96%Borrower take-up1,177 loans funded

How Sheboygan County compares

Approval rate compared
Sheboygan County81.0%Wisconsin79.1%All 616 counties62.7%
Typical loan compared
Sheboygan County$55KWisconsin$65KAll 616 counties$75K

What the data shows

Kohler Credit Union made the most home improvement loans in Sheboygan County, WI, 305 of them.

That is 26% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Oostburg State Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 25.

The typical home improvement loan here is $55K, 15% smaller than the Wisconsin typical of $65K.

Only 3 lenders here typically write at or below $35K: UNITEDONE Credit Union, Oostburg State Bank, Discover Bank.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 27% approved of 22UMB Bank, National Association: 46% approved of 39HTLF Bank: 53% approved of 60U.S. Bank National Association: 62% approved of 65Associated Bank, National Association: 64% approved of 74Figure Lending LLC: 68% approved of 25BMO Bank National Association: 71% approved of 83Landmark Credit Union: 80% approved of 55UNITEDONE Credit Union: 83% approved of 72Sheboygan Area Credit Union: 86% approved of 64University Of Wisconsin Credit Union: 87% approved of 30Summit Credit Union: 88% approved of 95National Exchange Bank and Trust: 90% approved of 39Johnson Bank: 92% approved of 61Kohler Credit Union: 93% approved of 329Bank First, N.A.: 94% approved of 203Oostburg State Bank: 100% approved of 25

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

Home improvement loan lenders in Sheboygan County

LenderApprovalApprovedTaken upTypical loanLoans made
1Kohler Credit Union93%307 / 32999%$55K305
2Bank First, N.A.94%190 / 20398%$55K186
3Summit Credit Union88%84 / 9593%$55K78
4BMO Bank National Association71%59 / 8398%$75K58
5Associated Bank, National Association64%47 / 7498%$55K46

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 62 more lenders.

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