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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Texas

Fat Boy Data analyzed home improvement loan activity in 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. 110,820 applications were decided by 558 lenders between 2023 and 2025.

Texas at a glance

558Active lenders181 with 20+ decisions
46.6%Market approval rate51,670 of 110,820 decided
$105KTypical loanmedian lender, $10K brackets
93%Borrower take-up47,885 loans funded

How Texas compares

Approval rate compared
Texas46.6%All 616 counties62.7%
Typical loan compared
Texas$105KAll 616 counties$75K

What the data shows

Frost Bank made the most home improvement loans in Texas, 8,718 of them.

Fort Worth Community Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 426.

Lenders approved 46.6% of home improvement loan applications in Texas, 16.1 percentage points below the the United States rate of 62.7%.

The typical home improvement loan here is $105K, 40% larger than the the United States typical of $75K.

Only 1 lender here typically writes at or below $35K: American Bank, National Association.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 1% approved of 622Discover Bank: 19% approved of 6,792Spring Eq, LLC: 26% approved of 3,058Wells Fargo Bank, National Association: 29% approved of 651Citibank, National Association: 31% approved of 180Bank of America, National Association: 31% approved of 21,495Regions Bank: 33% approved of 2,473Comerica Bank: 34% approved of 1,667Navy Federal Credit Union: 36% approved of 5,568Truist Bank: 36% approved of 2,045Loandepot.Com, LLC: 38% approved of 589New American Funding, LLC: 39% approved of 276BOKF, National Association: 39% approved of 1,880Greater Texas Federal Credit Union: 40% approved of 602Simmons Bank: 42% approved of 370PNC Bank, National Association: 43% approved of 5,573Pentagon Federal Credit Union: 44% approved of 2,192Shell Federal Credit Union: 45% approved of 1,506Firstmark Credit Union: 46% approved of 599Prosperity Bank: 46% approved of 820Texas Bay: 46% approved of 271Better Mortgage Corporation: 49% approved of 172Zions Bancorporation, N.A.: 49% approved of 2,248Figure Lending LLC: 52% approved of 1,055Hancock Whitney Bank: 53% approved of 179Texans: 53% approved of 1,204Frost Bank: 54% approved of 17,337A+ Federal Credit Union: 55% approved of 618Chevron Federal Credit Union: 56% approved of 187Rave Financial Credit Union: 57% approved of 207First Horizon Bank: 57% approved of 279The Loan Store, Inc.: 58% approved of 332Rally Credit Union: 58% approved of 351American Airlines Federal Credit Union: 60% approved of 1,403Eecu: 61% approved of 2,265Eastman Credit Union: 61% approved of 166Nationstar Mortgage LLC: 64% approved of 277Broadway National Bank: 64% approved of 209American Bank, National Association: 65% approved of 174Jsc: 67% approved of 1,043Mobility Credit Union: 67% approved of 176Fivepoint Credit Union: 69% approved of 199Austin Telco: 69% approved of 867Credit Human Federal Credit Union: 70% approved of 412United Heritage: 70% approved of 689GECU Federal Credit Union: 71% approved of 2,128International Bank of Commerce: 71% approved of 382Rocket Mortgage, LLC: 73% approved of 1,286Complex Community Federal Credit Union: 74% approved of 263JPMorgan Chase Bank, National Association: 74% approved of 856ALTRA Federal Credit Union: 75% approved of 216Primeway Federal Credit Union: 77% approved of 639First Financial Bank: 80% approved of 1,461Lendage, LLC: 81% approved of 577First United Bank and Trust Company: 81% approved of 213Homebridge Financial Services, Inc.: 86% approved of 319Randolph-Brooks Federal Credit Union: 91% approved of 478Amplify Credit Union: 92% approved of 698Houston Police: 98% approved of 243Fort Worth Community Credit Union: 100% approved of 426

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

Home improvement loan lenders in Texas

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association31%6,629 / 21,49597%$105K6,402
2Frost Bank54%9,277 / 17,33794%$105K8,718
3Discover Bank19%1,278 / 6,79297%$85K1,236
4PNC Bank, National Association43%2,420 / 5,57396%$105K2,321
5Navy Federal Credit Union36%1,982 / 5,56896%$65K1,893

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 553 more lenders.

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Counties in Texas

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