The Lenders Community Survey gathers homeowners feedback and 174 lender recommendations for California home improvement loans. Shopping for a home improvement loan or renovation loan can be complicated and we gathered data to help you with this process.
Updated: February 20, 2025
<< Human Powered Recommendations >>
Top Lenders for Home Improvement Loans
Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Online Lenders.
Recommendations are gathered from members who shopped and requested a home improvement loan in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home improvement loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home improvement loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
Los Angeles – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are First Entertainment Credit Union and Kinecta Federal Credit Union for Los Angeles’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Kinecta Federal Credit Union | Credit Union | 4.5 | 4.3 | 4.5 | 90% |
| First Entertainment Credit Union | Credit Union | 4.6 | 4.4 | 4.6 | 92% |
| Logix Federal Credit Union | Credit Union | 4.4 | 4.2 | 4.4 | 89% |
| Premier America Credit Union | Credit Union | 4.3 | 4.1 | 4.3 | 88% |
| Southland Credit Union | Credit Union | 4.2 | 4.0 | 4.2 | 87% |
| Citizens Business Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
San Diego – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are San Diego County Credit Union and Mission Federal Credit Union for San Diego’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| San Diego County Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| Mission Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| California Coast Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| North Island Credit Union | Credit Union | 4.3 | 4.2 | 4.3 | 89% |
| First Future Credit Union | Credit Union | 4.2 | 4.1 | 4.2 | 88% |
| Citizens Business Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
San Jose – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Star One Credit Union and Patelco Credit Union for San Jose’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Star One Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| Patelco Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| Technology Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| First Tech Federal Credit Union | Credit Union | 4.3 | 4.2 | 4.3 | 89% |
| San Jose Federal Credit Union | Credit Union | 4.2 | 4.1 | 4.2 | 88% |
| Heritage Bank of Commerce | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
San Francisco – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are San Francisco Federal Credit Union and Patelco Credit Union for San Francisco’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| San Francisco Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| Patelco Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| First Tech Federal Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| Technology Credit Union | Credit Union | 4.3 | 4.2 | 4.3 | 89% |
| Spectrum Federal Credit Union | Credit Union | 4.2 | 4.1 | 4.2 | 88% |
| Bank of San Francisco | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Fresno – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Educational Employees Credit Union (EECU) and Valley Strong Credit Union for Fresno’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Educational Employees Credit Union (EECU) | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| Valley Strong Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| Golden 1 Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| Premier Valley Bank | Community Bank | 4.3 | 4.2 | 4.3 | 89% |
| Bank of the Sierra | Community Bank | 4.2 | 4.1 | 4.2 | 88% |
| Central Valley Community Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Sacramento – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Golden 1 Credit Union and SAFE Credit Union for Sacramento’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Golden 1 Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| SAFE Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| Schools Financial Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| River City Bank | Community Bank | 4.3 | 4.2 | 4.3 | 89% |
| Five Star Bank | Community Bank | 4.2 | 4.1 | 4.2 | 88% |
| Bank of Marin | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Long Beach – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Credit Union of Southern California (CU SoCal) and Kinecta Federal Credit Union for Long Beach’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Credit Union of Southern California (CU SoCal) | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| Kinecta Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| First City Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| Premier America Credit Union | Credit Union | 4.3 | 4.2 | 4.3 | 89% |
| Beach Cities Credit Union | Credit Union | 4.2 | 4.1 | 4.2 | 88% |
| Pacific Commerce Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Oakland – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Patelco Credit Union and 1st United Credit Union for Oakland’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Patelco Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| 1st United Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| Spectrum Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| Community Bank of the Bay | Community Bank | 4.3 | 4.2 | 4.3 | 89% |
| Bank of Marin | Community Bank | 4.2 | 4.1 | 4.2 | 88% |
| Mechanics Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Bakersfield – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Kern Schools Federal Credit Union and Valley Strong Credit Union for Bakersfield’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Kern Schools Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| Valley Strong Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| California Resources Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| Mission Bank | Community Bank | 4.3 | 4.2 | 4.3 | 89% |
| San Joaquin Bank | Community Bank | 4.2 | 4.1 | 4.2 | 88% |
| Citizens Business Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Anaheim – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Orange County’s Credit Union and SchoolsFirst Federal Credit Union for Anaheim’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Orange County’s Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| SchoolsFirst Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| First American Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| Pacific Western Bank | Community Bank | 4.3 | 4.2 | 4.3 | 89% |
| Sunwest Bank | Community Bank | 4.2 | 4.1 | 4.2 | 88% |
| CommerceWest Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Santa Ana – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Orange County’s Credit Union and Schools First Federal Credit Union for Santa Ana’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Orange County’s Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| SchoolsFirst Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| First American Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| Pacific Western Bank | Community Bank | 4.3 | 4.2 | 4.3 | 89% |
| Sunwest Bank | Community Bank | 4.2 | 4.1 | 4.2 | 88% |
| CommerceWest Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Riverside – Home Improvement Loan Lenders
MFP’s Community Survey most recommended lenders are Altura Credit Union and Riverside Federal Credit Union for Riverside’s area.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.2 | 85% |
| Bank of America | Bank | 4.0 | 3.8 | 4.0 | 82% |
| Wells Fargo | Bank | 3.8 | 3.5 | 3.7 | 78% |
| U.S. Bank | Bank | 4.2 | 4.1 | 4.0 | 84% |
| Citibank | Bank | 4.0 | 3.9 | 3.8 | 80% |
| Union Bank | Bank | 3.9 | 3.7 | 3.9 | 79% |
| Altura Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 93% |
| Riverside Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.5 | 92% |
| California Coast Credit Union | Credit Union | 4.4 | 4.3 | 4.4 | 90% |
| Provident Bank | Community Bank | 4.3 | 4.2 | 4.3 | 89% |
| First Citizens Bank | Community Bank | 4.2 | 4.1 | 4.2 | 88% |
| Pacific Premier Bank | Community Bank | 4.1 | 3.9 | 4.1 | 86% |
Online Lenders – California Home Improvement Loan Lenders
MFP’s Community Survey most recommended online lenders for California are SoFi and LendingClub.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| SoFi | Online Lender | 4.7 | 4.6 | 4.7 | 95% |
| LendingClub | Online Lender | 4.6 | 4.5 | 4.6 | 94% |
| Prosper | Online Lender | 4.5 | 4.4 | 4.5 | 92% |
| Upstart | Online Lender | 4.4 | 4.3 | 4.4 | 90% |
| LightStream | Online Lender | 4.3 | 4.2 | 4.3 | 89% |
| Marcus by Goldman Sachs | Online Lender | 4.2 | 4.1 | 4.2 | 88% |
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