Home improvement loan lenders in Harris County, Texas
Fat Boy Data analyzed home improvement loan activity in Harris County, Texas, home to Houston, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 18,218 applications were decided by 217 lenders between 2023 and 2025.
Harris County at a glance
How Harris County compares
What the data shows
Frost Bank made the most home improvement loans in Harris County, TX, 1,099 of them.
Central Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 27.
Lenders approved 40.5% of home improvement loan applications in Harris County, TX, 6.1 percentage points below the Texas rate of 46.6%.
Only 1 lender here typically writes at or below $35K: H E B Credit Union.
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 Harris County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 26% | 1,005 / 3,815 | 96% | $95K | 965 |
| 2 | Frost Bank | 48% | 1,162 / 2,425 | 95% | $95K | 1,099 |
| 3 | Shell Federal Credit Union | 44% | 541 / 1,243 | 76% | $65K | 411 |
| 4 | Discover Bank | 14% | 161 / 1,116 | 95% | $75K | 153 |
| 5 | Zions Bancorporation, N.A. | 42% | 389 / 922 | 78% | $105K | 305 |
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 212 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Harris 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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