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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Missouri

Fat Boy Data analyzed home improvement loan activity in 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. 27,915 applications were decided by 276 lenders between 2023 and 2025.

Missouri at a glance

276Active lenders74 with 20+ decisions
64.1%Market approval rate17,896 of 27,915 decided
$65KTypical loanmedian lender, $10K brackets
95%Borrower take-up16,924 loans funded

How Missouri compares

Approval rate compared
Missouri64.1%All 616 counties62.7%
Typical loan compared
Missouri$65KAll 616 counties$75K

What the data shows

Communityamerica Federal Credit Union made the most home improvement loans in Missouri, 2,456 of them.

Oakstar Bank approved the highest share of applications among lenders with at least 20 decisions here, 98% of 52.

The typical home improvement loan here is $65K, 13% smaller than the the United States typical of $75K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 38% approved of 784Bank of America, National Association: 42% approved of 2,323BOKF, National Association: 44% approved of 151Alliant Credit Union: 45% approved of 47Loandepot.Com, LLC: 45% approved of 44Spring Eq, LLC: 47% approved of 390Regions Bank: 48% approved of 895U.S. Bank National Association: 49% approved of 2,510Great Southern Bank: 53% approved of 301Fourleaf: 55% approved of 55NBH Bank: 56% approved of 115Commerce Bank: 56% approved of 2,703BMO Bank National Association: 58% approved of 319First Mid Bank & Trust, National Association: 58% approved of 81Navy Federal Credit Union: 58% approved of 481Simmons Bank: 58% approved of 243Scott Credit Union: 59% approved of 69First Bank: 61% approved of 132PNC Bank, National Association: 61% approved of 468UMB Bank, National Association: 61% approved of 759Equity Bank: 62% approved of 77Third Federal Savings And Loan Association Of Cleveland: 64% approved of 119Arvest Bank: 64% approved of 728Pentagon Federal Credit Union: 64% approved of 73Mainstreet Federal Credit Union: 65% approved of 102New American Funding, LLC: 66% approved of 119First National Bank of Omaha: 69% approved of 124Shoreham Bank: 70% approved of 54First Community: 71% approved of 2,709Figure Lending LLC: 72% approved of 561Rocket Mortgage, LLC: 73% approved of 126Neighbors: 74% approved of 386Mazuma Credit Union: 74% approved of 110VANTAGE Credit Union: 74% approved of 571First Federal Bank of Kansas City: 74% approved of 198Alltru Federal Credit Union: 75% approved of 40Communityamerica Federal Credit Union: 76% approved of 3,506The Central Trust Bank: 77% approved of 977Together Credit Union: 78% approved of 559Nationstar Mortgage LLC: 78% approved of 152Electro Savings Credit Union: 79% approved of 80JPMorgan Chase Bank, National Association: 79% approved of 39The Bank of Missouri: 80% approved of 83First State Community Bank: 81% approved of 190Pinnacle Bank: 82% approved of 49Valon Mortgage, Inc.: 82% approved of 39Carrollton Bank: 82% approved of 113Homebridge Financial Services, Inc.: 83% approved of 46West Community Credit Union: 83% approved of 502Century Credit Union: 84% approved of 50Capitol Federal Savings Bank: 85% approved of 220Arsenal Credit Union: 85% approved of 52Blucurrent Credit Union: 86% approved of 210FCB Banks: 89% approved of 441St Midamerica Credit Union: 89% approved of 45Southwest Missouri Bank: 92% approved of 273Southern Bank: 95% approved of 97Multipli Federal Credit Union: 97% approved of 234Flat Branch Mortgage, Inc.: 97% approved of 38Oakstar Bank: 98% approved of 52

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

Home improvement loan lenders in Missouri

LenderApprovalApprovedTaken upTypical loanLoans made
1Communityamerica Federal Credit Union76%2,662 / 3,50692%$65K2,456
2First Community71%1,911 / 2,70993%$65K1,770
3Commerce Bank56%1,523 / 2,70397%$55K1,483
4U.S. Bank National Association49%1,240 / 2,51096%$55K1,191
5Bank of America, National Association42%979 / 2,32397%$65K952

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 271 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Missouri. 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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Other lending data for Missouri

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Counties in Missouri

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