Investment property improvement lenders in Houston County, Alabama
Fat Boy Data analyzed investment home improvement loan activity in Houston County, Alabama to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 70 applications were decided by 22 lenders between 2023 and 2025.
Houston County at a glance
How Houston County compares
What the data shows
All In Federal Credit Union made the most investment home improvement loans in Houston County, AL, 13 of them.
That is 30% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
All In Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 68% of 22.
Lenders approved 65.7% of investment home improvement loan applications in Houston County, AL, 10.2 percentage points above the Alabama rate of 55.5%.
The typical investment home improvement loan here is $55K, 35% smaller than the Alabama typical of $85K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Houston County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | All In Federal Credit Union | 68% | 15 / 22 | 87% | $55K | 13 |
| 2 | Regions BankLimited sample | 0% | 0 / 6 | — | — | 0 |
| 3 | Troy Bank and Trust CompanyLimited sample | 100% | 5 / 5 | 100% | $75K | 5 |
| 4 | Hnb First BankLimited sample | 100% | 5 / 5 | 100% | $55K | 5 |
| 5 | River Bank & TrustLimited sample | 100% | 4 / 4 | 100% | $85K | 4 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 17 more lenders.
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