Home improvement loan lenders in Texas
Fat Boy Data analyzed home improvement loan activity in 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. 110,820 applications were decided by 558 lenders between 2023 and 2025.
Texas at a glance
How Texas compares
What the data shows
Frost Bank made the most home improvement loans in Texas, 8,718 of them.
Fort Worth Community Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 426.
Lenders approved 46.6% of home improvement loan applications in Texas, 16.1 percentage points below the the United States rate of 62.7%.
The typical home improvement loan here is $105K, 40% larger than the the United States typical of $75K.
Only 1 lender here typically writes at or below $35K: American Bank, National Association.
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 Texas
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 31% | 6,629 / 21,495 | 97% | $105K | 6,402 |
| 2 | Frost Bank | 54% | 9,277 / 17,337 | 94% | $105K | 8,718 |
| 3 | Discover Bank | 19% | 1,278 / 6,792 | 97% | $85K | 1,236 |
| 4 | PNC Bank, National Association | 43% | 2,420 / 5,573 | 96% | $105K | 2,321 |
| 5 | Navy Federal Credit Union | 36% | 1,982 / 5,568 | 96% | $65K | 1,893 |
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 553 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Texas. 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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