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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Franklin County, Missouri

Fat Boy Data analyzed home improvement loan activity in Franklin County, Missouri to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 688 applications were decided by 58 lenders between 2023 and 2025.

Franklin County at a glance

58Active lenders8 with 20+ decisions
64.4%Market approval rate443 of 688 decided
$55KTypical loanmedian lender, $10K brackets
96%Borrower take-up427 loans funded

How Franklin County compares

Approval rate compared
Franklin County64.4%Missouri64.1%All 616 counties62.7%
Typical loan compared
Franklin County$55KMissouri$65KAll 616 counties$75K

What the data shows

First Community made the most home improvement loans in Franklin County, MO, 105 of them.

First State Community Bank approved the highest share of applications among lenders with at least 20 decisions here, 90% of 62.

The typical home improvement loan here is $55K, 15% smaller than the Missouri typical of $65K.

Only 1 lender here typically writes at or below $35K: Commerce Bank.

Approval rate of all 8 lenders with 20+ decisions here
0%25%50%75%100%Commerce Bank: 41% approved of 27Discover Bank: 42% approved of 36Bank of America, National Association: 43% approved of 28U.S. Bank National Association: 56% approved of 95PNC Bank, National Association: 59% approved of 27First Community: 68% approved of 164VANTAGE Credit Union: 69% approved of 26First State Community Bank: 90% approved of 62

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Franklin County

LenderApprovalApprovedTaken upTypical loanLoans made
1First Community68%111 / 16495%$55K105
2U.S. Bank National Association56%53 / 9598%$55K52
3First State Community Bank90%56 / 6298%$45K55
4Discover Bank42%15 / 36100%$55K15
5Bank of America, National Association43%12 / 28100%$75K12

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 53 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Franklin County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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