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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Montgomery County, Texas

Fat Boy Data analyzed home improvement loan activity in Montgomery 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. 4,087 applications were decided by 152 lenders between 2023 and 2025.

Montgomery County at a glance

152Active lenders28 with 20+ decisions
49.8%Market approval rate2,034 of 4,087 decided
$105KTypical loanmedian lender, $10K brackets
92%Borrower take-up1,869 loans funded

How Montgomery County compares

Approval rate compared
Montgomery County49.8%Texas46.6%All 616 counties62.7%
Typical loan compared
Montgomery County$105KTexas$105KAll 616 counties$75K

What the data shows

Frost Bank made the most home improvement loans in Montgomery County, TX, 380 of them.

Houston Police approved the highest share of applications among lenders with at least 20 decisions here, 97% of 29.

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.

Approval rate of all 28 lenders with 20+ decisions here
0%25%50%75%100%U.S. Bank National Association: 3% approved of 32Discover Bank: 23% approved of 257Truist Bank: 32% approved of 75Comerica Bank: 32% approved of 37Spring Eq, LLC: 34% approved of 126Bank of America, National Association: 36% approved of 841BOKF, National Association: 37% approved of 54Jsc: 38% approved of 24Regions Bank: 39% approved of 136Navy Federal Credit Union: 40% approved of 197Simmons Bank: 41% approved of 32Pentagon Federal Credit Union: 42% approved of 73PNC Bank, National Association: 45% approved of 233Chartway Federal Credit Union: 48% approved of 21Loandepot.Com, LLC: 50% approved of 28Figure Lending LLC: 53% approved of 34Zions Bancorporation, N.A.: 58% approved of 226Frost Bank: 59% approved of 683Shell Federal Credit Union: 60% approved of 65JPMorgan Chase Bank, National Association: 69% approved of 42Lendage, LLC: 70% approved of 23Rocket Mortgage, LLC: 72% approved of 65Fivepoint Credit Union: 73% approved of 26Chevron Federal Credit Union: 78% approved of 23Primeway Federal Credit Union: 82% approved of 22First Financial Bank: 84% approved of 151Smart Financial Credit Union: 89% approved of 37Houston Police: 97% approved of 29

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

Home improvement loan lenders in Montgomery County

LenderApprovalApprovedTaken upTypical loanLoans made
1Bank of America, National Association36%302 / 84193%$105K282
2Frost Bank59%405 / 68394%$105K380
3Discover Bank23%58 / 25797%$95K56
4PNC Bank, National Association45%106 / 23399%$105K105
5Zions Bancorporation, N.A.58%132 / 22680%$125K106

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 147 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Montgomery 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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  • Typical loan and full range
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  • Branch count and how to apply
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