Home improvement loan lenders in Boone County, Missouri
Fat Boy Data analyzed home improvement loan activity in Boone County, Missouri, home to Columbia, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,118 applications were decided by 60 lenders between 2023 and 2025.
Boone County at a glance
How Boone County compares
What the data shows
The Central Trust Bank made the most home improvement loans in Boone County, MO, 254 of them.
That is 31% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Multipli Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 190.
Lenders approved 77.4% of home improvement loan applications in Boone County, MO, 13.3 percentage points above the Missouri rate of 64.1%.
The typical home improvement loan here is $55K, 15% smaller than the Missouri typical of $65K.
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.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Boone County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | The Central Trust Bank | 91% | 261 / 287 | 97% | $55K | 254 |
| 2 | Multipli Federal Credit Union | 97% | 184 / 190 | 98% | $65K | 181 |
| 3 | Commerce Bank | 60% | 54 / 90 | 94% | $55K | 51 |
| 4 | Simmons Bank | 72% | 60 / 83 | 97% | $75K | 58 |
| 5 | U.S. Bank National Association | 57% | 39 / 69 | 97% | $55K | 38 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 55 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Boone County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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