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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Grayson County, Texas

Fat Boy Data analyzed home improvement loan activity in Grayson County, Texas, home to Sherman, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 701 applications were decided by 83 lenders between 2023 and 2025.

Grayson County at a glance

83Active lenders9 with 20+ decisions
51.1%Market approval rate358 of 701 decided
$105KTypical loanmedian lender, $10K brackets
92%Borrower take-up330 loans funded

How Grayson County compares

Approval rate compared
Grayson County51.1%Texas46.6%All 616 counties62.7%
Typical loan compared
Grayson County$105KTexas$105KAll 616 counties$75K

What the data shows

Frost Bank made the most home improvement loans in Grayson County, TX, 55 of them.

First United Bank and Trust Company approved the highest share of applications among lenders with at least 20 decisions here, 69% of 55.

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

Approval rate of all 9 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 21% approved of 56One lender: 35% approved of 34Bank of America, National Association: 39% approved of 88Simmons Bank: 45% approved of 44One lender: 52% approved of 23One lender: 53% approved of 34One lender: 58% approved of 26Frost Bank: 60% approved of 94First United Bank and Trust Company: 69% approved of 55

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 Grayson County

LenderApprovalApprovedTaken upTypical loanLoans made
1Frost Bank60%56 / 9498%$105K55
2Bank of America, National Association39%34 / 8894%$105K32
3Discover Bank21%12 / 56100%$65K12
4First United Bank and Trust Company69%38 / 5592%$125K35
5Simmons Bank45%20 / 44100%$75K20

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 78 more lenders.

One email unlocks every lender Fat Boy found.

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