Home improvement loan lenders in McLennan County, Texas
Fat Boy Data analyzed home improvement loan activity in McLennan 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. 1,061 applications were decided by 80 lenders between 2023 and 2025.
McLennan County at a glance
How McLennan County compares
What the data shows
First Central Credit Union made the most home improvement loans in McLennan County, TX, 92 of them.
Educators Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 65.
Lenders approved 57.1% of home improvement loan applications in McLennan County, TX, 10.5 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.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in McLennan County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 29% | 45 / 154 | 100% | $65K | 45 |
| 2 | First Central Credit Union | 82% | 98 / 120 | 94% | $55K | 92 |
| 3 | Genco Federal Credit Union | 34% | 29 / 85 | 90% | $65K | 26 |
| 4 | Discover Bank | 18% | 13 / 73 | 100% | $55K | 13 |
| 5 | Community Bank & Trust, Waco, Texas | 83% | 54 / 65 | 100% | $65K | 54 |
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 75 more lenders.
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You are seeing the 5 largest home improvement loan lenders in McLennan 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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