Home›Texas›Harris County›Home improvement loans
home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Harris County, Texas

Fat Boy Data analyzed home improvement loan activity in Harris County, Texas to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 18,218 applications were decided by 217 lenders between 2023 and 2025.

Harris County at a glance

217Active lenders57 with 20+ decisions
40.5%Market approval rate7,386 of 18,218 decided
$95KTypical loanmedian lender, $10K brackets
91%Borrower take-up6,707 loans funded

How Harris County compares

Approval rate compared
Harris County40.5%Texas46.6%All 616 counties62.7%
Typical loan compared
Harris County$95KTexas$105KAll 616 counties$75K

What the data shows

Frost Bank made the most home improvement loans in Harris County, TX, 1,099 of them.

Central Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 27.

Lenders approved 40.5% of home improvement loan applications in Harris County, TX, 6.1 percentage points below the Texas rate of 46.6%.

Only 1 lender here typically writes at or below $35K: H E B Credit Union.

Approval rate of all 57 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 1% approved of 104Discover Bank: 14% approved of 1,116Citibank, National Association: 23% approved of 31Spring Eq, LLC: 24% approved of 413Wells Fargo Bank, National Association: 26% approved of 133Bank of America, National Association: 26% approved of 3,815Truist Bank: 27% approved of 224Comerica Bank: 27% approved of 534Loandepot.Com, LLC: 27% approved of 91Regions Bank: 31% approved of 698Navy Federal Credit Union: 33% approved of 770Greater Texas Federal Credit Union: 35% approved of 89Baxter Credit Union: 35% approved of 20Texans: 35% approved of 20PNC Bank, National Association: 39% approved of 888Pentagon Federal Credit Union: 39% approved of 238BOKF, National Association: 39% approved of 359Simmons Bank: 40% approved of 25Prosperity Bank: 42% approved of 126Zions Bancorporation, N.A.: 42% approved of 922Rave Financial Credit Union: 43% approved of 23Shell Federal Credit Union: 44% approved of 1,243Texas Bay: 44% approved of 225Chartway Federal Credit Union: 45% approved of 96Stellar Bank: 45% approved of 53First Horizon Bank: 45% approved of 75Figure Lending LLC: 46% approved of 173Guaranteed Rate, Inc.: 46% approved of 28New American Funding, LLC: 47% approved of 53Kind Lending, LLC: 48% approved of 23Frost Bank: 48% approved of 2,425Chevron Federal Credit Union: 49% approved of 79The Loan Store, Inc.: 50% approved of 74Better Mortgage Corporation: 50% approved of 24American Airlines Federal Credit Union: 50% approved of 20Amerant Bank, National Association: 52% approved of 77Nationstar Mortgage LLC: 52% approved of 46Hancock Whitney Bank: 56% approved of 50First Community Credit Union: 63% approved of 41H E B Credit Union: 64% approved of 22Energy Capital Credit Union: 65% approved of 20Credit Human Federal Credit Union: 66% approved of 29Jsc: 67% approved of 471Houston Federal Credit Union: 67% approved of 58JPMorgan Chase Bank, National Association: 69% approved of 230Primeway Federal Credit Union: 75% approved of 423Rocket Mortgage, LLC: 77% approved of 213First Financial Bank: 77% approved of 69Harris County Federal Credit Union: 79% approved of 68International Bank of Commerce: 80% approved of 51Lendage, LLC: 81% approved of 100Homebridge Financial Services, Inc.: 89% approved of 53Smart Financial Credit Union: 90% approved of 83Cy-Fair Federal Credit Union: 91% approved of 97Amplify Credit Union: 97% approved of 34Houston Police: 98% approved of 154Central Bank: 100% approved of 27

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

Home improvement loan lenders in Harris County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association26%1,005 / 3,81596%$95K965
2Frost Bank48%1,162 / 2,42595%$95K1,099
3Shell Federal Credit Union44%541 / 1,24376%$65K411
4Discover Bank14%161 / 1,11695%$75K153
5Zions Bancorporation, N.A.42%389 / 92278%$105K305

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 212 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest home improvement loan lenders in Harris 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.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for Harris County

Mortgage lenders in Harris CountyCash-out refinance in Harris CountyRefinance in Harris CountyInvestment property purchase in Harris CountyInvestment cash-out refinance in Harris CountyInvestment refinance in Harris CountyInvestment home improvement in Harris County

Nearby markets

All lending in Harris CountyCounty overviewHome improvement loans across TexasStatewideBrazoria CountyNearby countyFort Bend CountyNearby countyGalveston CountyNearby county