Home improvement loan lenders in Wichita County, Texas
Fat Boy Data analyzed home improvement loan activity in Wichita County, Texas, home to Wichita Falls, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 264 applications were decided by 41 lenders between 2023 and 2025.
Wichita County at a glance
How Wichita County compares
What the data shows
Wichita Falls Teachers Federal Credit Union made the most home improvement loans in Wichita County, TX, 53 of them.
That is 36% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Wichita Falls Teachers Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 53.
Lenders approved 60.2% of home improvement loan applications in Wichita County, TX, 13.6 percentage points above the Texas rate of 46.6%.
The typical home improvement loan here is $65K, 38% 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.
Home improvement loan lenders in Wichita County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Wichita Falls Teachers Federal Credit Union | 100% | 53 / 53 | 100% | $65K | 53 |
| 2 | Discover Bank | 23% | 8 / 35 | 88% | $45K | 7 |
| 3 | Bank of America, National Association | 9% | 3 / 32 | 100% | $45K | 3 |
| 4 | American National Bank & Trust | 93% | 28 / 30 | 93% | $75K | 26 |
| 5 | Union Square Credit UnionLimited sample | 100% | 15 / 15 | 100% | $105K | 15 |
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 36 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Wichita 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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