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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Denton County, Texas

Fat Boy Data analyzed home improvement loan activity in Denton County, Texas to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 6,295 applications were decided by 165 lenders between 2023 and 2025.

Denton County at a glance

165Active lenders30 with 20+ decisions
50.8%Market approval rate3,196 of 6,295 decided
$105KTypical loanmedian lender, $10K brackets
94%Borrower take-up3,001 loans funded

How Denton County compares

Approval rate compared
Denton County50.8%Texas46.6%All 616 counties62.7%
Typical loan compared
Denton County$105KTexas$105KAll 616 counties$75K

What the data shows

Frost Bank made the most home improvement loans in Denton County, TX, 744 of them.

Fort Worth Community Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 23.

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 30 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 0% approved of 34Spring Eq, LLC: 27% approved of 215Discover Bank: 28% approved of 396Loandepot.Com, LLC: 35% approved of 46Navy Federal Credit Union: 36% approved of 273Regions Bank: 38% approved of 113BOKF, National Association: 41% approved of 117Truist Bank: 41% approved of 167Bank of America, National Association: 42% approved of 1,506Greater Texas Federal Credit Union: 43% approved of 21Comerica Bank: 44% approved of 68First Technology: 50% approved of 30UNIFY FINANCIAL Credit Union: 50% approved of 20Prosperity Bank: 55% approved of 33Pentagon Federal Credit Union: 55% approved of 174Texans: 55% approved of 163PNC Bank, National Association: 57% approved of 322Certified Funding, L.P.: 59% approved of 22Frost Bank: 60% approved of 1,297Eecu: 61% approved of 159American Airlines Federal Credit Union: 61% approved of 237Figure Lending LLC: 62% approved of 69Better Mortgage Corporation: 65% approved of 20First Financial Bank: 75% approved of 40Zions Bancorporation, N.A.: 79% approved of 75Rocket Mortgage, LLC: 82% approved of 45Lendage, LLC: 91% approved of 33JPMorgan Chase Bank, National Association: 93% approved of 44Southwest Airlines Federal Credit Union: 95% approved of 21Fort Worth Community Credit Union: 100% approved of 23

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

Home improvement loan lenders in Denton County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association42%640 / 1,50698%$105K624
2Frost Bank60%776 / 1,29796%$105K744
3Discover Bank28%110 / 39695%$85K104
4PNC Bank, National Association57%182 / 32293%$105K169
5Navy Federal Credit Union36%98 / 27398%$75K96

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 160 more lenders.

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