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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%One lender: 0% approved of 34One lender: 27% approved of 215Discover Bank: 28% approved of 396One lender: 35% approved of 46Navy Federal Credit Union: 36% approved of 273One lender: 38% approved of 113One lender: 41% approved of 117One lender: 41% approved of 167Bank of America, National Association: 42% approved of 1,506One lender: 43% approved of 21One lender: 44% approved of 68One lender: 50% approved of 30One lender: 50% approved of 20One lender: 55% approved of 33One lender: 55% approved of 174One lender: 55% approved of 163PNC Bank, National Association: 57% approved of 322One lender: 59% approved of 22Frost Bank: 60% approved of 1,297One lender: 61% approved of 159One lender: 61% approved of 237One lender: 62% approved of 69One lender: 65% approved of 20One lender: 75% approved of 40One lender: 79% approved of 75One lender: 82% approved of 45One lender: 91% approved of 33One lender: 93% approved of 44One lender: 95% approved of 21One lender: 100% approved of 23

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 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 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 160 more lenders.

One email unlocks every lender Fat Boy found.

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