Home improvement loan lenders in Smith County, Texas
Fat Boy Data analyzed home improvement loan activity in Smith County, Texas, home to Tyler, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,163 applications were decided by 86 lenders between 2023 and 2025.
Smith County at a glance
How Smith County compares
What the data shows
ALTRA Federal Credit Union made the most home improvement loans in Smith County, TX, 145 of them.
Texas National Bank of Jacksonville approved the highest share of applications among lenders with at least 20 decisions here, 95% of 22.
Lenders approved 57.3% of home improvement loan applications in Smith County, TX, 10.6 percentage points above the Texas rate of 46.6%.
The typical home improvement loan here is $75K, 29% smaller than the Texas typical of $105K.
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.
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 Smith County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | ALTRA Federal Credit Union | 75% | 151 / 201 | 96% | $55K | 145 |
| 2 | Bank of America, National Association | 40% | 53 / 133 | 96% | $105K | 51 |
| 3 | Regions Bank | 39% | 49 / 126 | 88% | $45K | 43 |
| 4 | Southside Bank | 54% | 37 / 68 | 100% | $95K | 37 |
| 5 | United Heritage | 80% | 53 / 66 | 98% | $75K | 52 |
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 81 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Smith 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.
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- Approval rate and borrower take-up
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- Branch count and application options
- How easy each lender is to reach
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