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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Galveston County, Texas

Fat Boy Data analyzed home improvement loan activity in Galveston 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. 1,878 applications were decided by 88 lenders between 2023 and 2025.

Galveston County at a glance

88Active lenders14 with 20+ decisions
50.5%Market approval rate949 of 1,878 decided
$75KTypical loanmedian lender, $10K brackets
88%Borrower take-up839 loans funded

How Galveston County compares

Approval rate compared
Galveston County50.5%Texas46.6%All 616 counties62.7%
Typical loan compared
Galveston County$75KTexas$105KAll 616 counties$75K

What the data shows

Jsc made the most home improvement loans in Galveston County, TX, 182 of them.

Rocket Mortgage, LLC approved the highest share of applications among lenders with at least 20 decisions here, 90% of 21.

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

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 14 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 18% approved of 103Spring Eq, LLC: 25% approved of 53Bank of America, National Association: 26% approved of 284PNC Bank, National Association: 34% approved of 59Zions Bancorporation, N.A.: 39% approved of 72Navy Federal Credit Union: 40% approved of 88Regions Bank: 44% approved of 68Shell Federal Credit Union: 46% approved of 54Frost Bank: 54% approved of 337The Moody National Bank: 60% approved of 30Amoco Federal Credit Union: 70% approved of 64Jsc: 72% approved of 310HomeTown Bank, National Association: 72% approved of 29Rocket Mortgage, LLC: 90% approved of 21

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

Home improvement loan lenders in Galveston County

LenderApprovalApprovedTaken upTypical loanLoans made
1Frost Bank54%183 / 33791%$85K166
2Jsc72%223 / 31082%$65K182
3Bank of America, National Association26%75 / 28499%$95K74
4Discover Bank18%19 / 103100%$75K19
5Navy Federal Credit Union40%35 / 88100%$55K35

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 83 more lenders.

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