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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Montgomery County, Texas

Fat Boy Data analyzed home improvement loan activity in Montgomery County, Texas, home to Conroe, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,087 applications were decided by 152 lenders between 2023 and 2025.

Montgomery County at a glance

152Active lenders28 with 20+ decisions
49.8%Market approval rate2,034 of 4,087 decided
$105KTypical loanmedian lender, $10K brackets
92%Borrower take-up1,869 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County49.8%Texas46.6%All 616 counties62.7%
Typical loan compared
Montgomery County$105KTexas$105KAll 616 counties$75K

What the data shows

Frost Bank made the most home improvement loans in Montgomery County, TX, 380 of them.

Houston Police approved the highest share of applications among lenders with at least 20 decisions here, 97% of 29.

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 28 lenders with 20+ decisions here
0%25%50%75%100%One lender: 3% approved of 32Discover Bank: 23% approved of 257One lender: 32% approved of 75One lender: 32% approved of 37One lender: 34% approved of 126Bank of America, National Association: 36% approved of 841One lender: 37% approved of 54One lender: 38% approved of 24One lender: 39% approved of 136One lender: 40% approved of 197One lender: 41% approved of 32One lender: 42% approved of 73PNC Bank, National Association: 45% approved of 233One lender: 48% approved of 21One lender: 50% approved of 28One lender: 53% approved of 34Zions Bancorporation, N.A.: 58% approved of 226Frost Bank: 59% approved of 683One lender: 60% approved of 65One lender: 69% approved of 42One lender: 70% approved of 23One lender: 72% approved of 65One lender: 73% approved of 26One lender: 78% approved of 23One lender: 82% approved of 22One lender: 84% approved of 151One lender: 89% approved of 37One lender: 97% approved of 29

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 Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association36%302 / 84193%$105K282
2Frost Bank59%405 / 68394%$105K380
3Discover Bank23%58 / 25797%$95K56
4PNC Bank, National Association45%106 / 23399%$105K105
5Zions Bancorporation, N.A.58%132 / 22680%$125K106

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 147 more lenders.

One email unlocks every lender Fat Boy found.

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