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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Missouri

Fat Boy Data analyzed investment home improvement loan activity in Missouri to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,831 applications were decided by 200 lenders between 2023 and 2025.

Missouri at a glance

200Active lenders26 with 20+ decisions
60.0%Market approval rate1,099 of 1,831 decided
$85KTypical loanmedian lender, $10K brackets
94%Borrower take-up1,038 loans funded

How Missouri compares

Approval rate compared
Missouri60.0%All 616 counties51.2%
Typical loan compared
Missouri$85KAll 616 counties$115K

What the data shows

FCB Banks made the most investment home improvement loans in Missouri, 61 of them.

The Bank of Old Monroe approved the highest share of applications among lenders with at least 20 decisions here, 100% of 51.

Lenders approved 60.0% of investment home improvement loan applications in Missouri, 8.8 percentage points above the the United States rate of 51.2%.

The typical investment home improvement loan here is $85K, 26% smaller than the the United States typical of $115K.

No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 26 lenders with 20+ decisions here
0%25%50%75%100%One lender: 1% approved of 67One lender: 5% approved of 21U.S. Bank National Association: 9% approved of 118One lender: 15% approved of 27One lender: 15% approved of 33Commerce Bank: 16% approved of 80One lender: 18% approved of 33One lender: 18% approved of 22One lender: 27% approved of 60One lender: 27% approved of 26One lender: 32% approved of 22One lender: 57% approved of 21Arvest Bank: 58% approved of 73One lender: 61% approved of 51One lender: 64% approved of 22One lender: 68% approved of 34The Central Trust Bank: 70% approved of 82One lender: 72% approved of 36Figure Lending LLC: 81% approved of 68One lender: 87% approved of 38One lender: 92% approved of 24One lender: 94% approved of 66One lender: 95% approved of 21One lender: 96% approved of 27One lender: 100% approved of 51One lender: 100% approved of 21

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.

Investment property improvement lenders in Missouri

LenderApprovalApprovedTaken upTypical loanLoans made
1U.S. Bank National Association9%11 / 118100%$85K11
2The Central Trust Bank70%57 / 8298%$75K56
3Commerce Bank16%13 / 8085%$85K11
4Arvest Bank58%42 / 73100%$75K42
5Figure Lending LLC81%55 / 6856%$35K31

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 195 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment home improvement loan lenders in Missouri. 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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