The Lenders Community Survey gathers homeowners feedback and 104 lender recommendation for Texas home improvement loans. Shopping for a home improvement loan or renovation loan can be complicated and we gathered data to help this process for Texas homeowners.
Updated: February 18, 2025
<< Human Powered Recommendations >>
Top Lenders for Home Improvement Loans
Houston, San Antonio, Dallas, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Plano, Laredo, Online lenders.
Recommendations are gathered from Texans members who shopped and requested a home improvement loan in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home improvement loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home improvement loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
Houston – Home Improvement Loan Lenders
First Community Credit Union and Amegy Bank are the most recommended for home improvement loans lenders in Houston area.
First Community Credit Union and Smart Financial Credit Union are highly rated credit unions in the Houston area for competitive rates and customer service.
Amegy Bank and Woodforest National Bank are community banks with a strong presence in Houston and offer many home improvement loan options.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 79% |
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 89% |
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 81% |
| Prosperity Bank | Bank | 4.0 | 4.0 | 4.0 | 78% |
| First Community Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Smart Financial Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 85% |
| Texas Bay Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 89% |
| Amegy Bank | Community Bank | 4.5 | 4.5 | 4.5 | 94% |
| Woodforest National Bank | Community Bank | 4.0 | 4.0 | 4.0 | 88% |
San Antonio – Home Improvement Loan Lenders
Firstmark Credit Union and USAA Bank are the most recommended for home improvement loans lenders in San Antonio’s area.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 77% |
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 80% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 83% |
| USAA Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Prosperity Bank | Bank | 4.0 | 4.0 | 4.0 | 84% |
| Broadway Bank | Bank | 4.5 | 4.5 | 4.5 | 88% |
| Firstmark Credit Union | Bank | 4.5 | 4.5 | 4.5 | 82% |
| Randolph-Brooks Federal Credit Union | Bank | 4.5 | 4.5 | 4.5 | 84% |
| Security Service Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Firstmark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Generations Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 85% |
| San Antonio Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 79% |
| RBFCU (Randolph-Brooks Federal Credit Union) | Credit Union | 4.5 | 4.5 | 4.5 | 81% |
| Texell Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
Dallas – Home Improvement Loan Lenders
Credit Union of Texas and Texans Credit Union are the most recommended lenders in Dallas for home improvement loans.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 83% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 80% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 69% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 88% |
| Texas Capital Bank | Bank | 4.0 | 4.0 | 4.0 | 76% |
| Prosperity Bank | Bank | 4.0 | 4.0 | 4.0 | 79% |
| BBVA Compass (now PNC Bank) | Bank | 4.0 | 4.0 | 4.0 | 77% |
| Resource One Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 88% |
| Credit Union of Texas | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Texans Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 89% |
| Firstmark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 84% |
| Amplify Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 82% |
| Neighborhood Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
Austin – Home Improvement Loan Lenders
University Federal Credit Union and Firstmark Credit Union the most recommended home improvement loans lenders in Austin.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 85% |
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 79% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 78% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Prosperity Bank | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Amegy Bank | Bank | 4.5 | 4.5 | 4.5 | |
| Texas Capital Bank | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Randolph-Brooks Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 85% |
| Austin Telco Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 84% |
| University Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 89% |
| Amplify Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
| Firstmark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 88% |
| Velocity Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 84% |
Fort Worth – Home Improvement Loan Lenders
Texans Credit Union, Frost Bank, Randolph-Brooks Federal Credit Union and Firstmark Credit Union are the most recommended home improvement loans lenders in Fort Worth area.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 79% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 83% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 79% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 83% |
| Prosperity Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Texas Capital Bank | Bank | 4.0 | 4.0 | 4.0 | 84% |
| First Financial Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Randolph-Brooks Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Fort Worth Community Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 90% |
| Texans Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Firstmark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Neighborhood Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 90% |
| Resource One Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
El Paso – Home Improvement Loan Lenders
GECU (Greater El Paso Credit Union) and FirstLight Federal Credit Union are the most recommended home improvement loans lenders in El Paso.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 80% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 83% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 79% |
| BBVA Compass | Bank | 4.0 | 4.0 | 4.0 | 85% |
| FirstLight Federal Credit Union | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Bank of the West | Bank | 4.0 | 4.0 | 4.0 | 89% |
| WestStar Bank | Bank | 4.0 | 4.0 | 4.0 | 90% |
| Greater El Paso Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| FirstLight Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| El Paso Area Teachers Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 86% |
| Camino Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
| Rio Grande Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 81% |
| First Service Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 80% |
Arlington – Most Recommended Home Improvement Loan Lenders
Resource One Credit Union, Frost Bank and Randolph-Brooks Federal Credit Union are the most recommended lenders in Arlington for home improvement loans.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 83% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 89% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 77% |
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Prosperity Bank | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Texas Capital Bank | Bank | 4.0 | 4.0 | 4.0 | 82% |
| First Financial Bank | Bank | 4.0 | 4.0 | 4.0 | 83% |
| Randolph-Brooks Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Fort Worth Community Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 88% |
| Texans Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Firstmark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Neighborhood Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
| Resource One Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
Corpus Christi – Home Improvement Loan Lenders
First Community Credit Union and Navy Army Community Credit Union are the most recommended lenders in Corpus Christi for home improvement loans.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 80% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 82% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 78% |
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Prosperity Bank | Bank | 4.0 | 4.0 | 4.0 | 83% |
| First Community Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Texas Gulf Bank | Bank | 4.0 | 4.0 | 4.0 | 79% |
| American Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Navy Army Community Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Coastal Bend Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 84% |
| First Texas Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 82% |
| Corpus Christi Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 80% |
| First Community Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| People’s Trust Federal Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 83% |
Plano – Home Improvement Loan Lenders
Frost Bank, Texans Credit Union and Firstmark Credit Union are the most recommended lenders in Plano for home improvement loans.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 74% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 83% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 74% |
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 94% |
| Comerica Bank | Bank | 4.0 | 4.0 | 4.0 | 80% |
| Prosperity Bank | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Texas Capital Bank | Bank | 4.0 | 4.0 | 4.0 | 83% |
| First Financial Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Randolph-Brooks Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Texans Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Firstmark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Neighborhood Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 80% |
| Resource One Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
| Amplify Credit Union | Credit Union | 4.0 | 4.0 | 4.0 | 79% |
Laredo – Home Improvement Loan Lender
Firstmark Credit Union, Laredo Federal Credit Union and Security Service Federal Credit Union are the most recommended lenders for home improvement loans in the Laredo area.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.0 | 3.5 | 3.5 | 79% |
| Chase Bank | Bank | 4.5 | 4.0 | 4.0 | 83% |
| Wells Fargo | Bank | 3.5 | 3.5 | 3.0 | 77% |
| International Bank of Commerce (IBC Bank) | Bank | 4.0 | 4.0 | 4.0 | 83% |
| Frost Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Texas Community Bank | Bank | 4.0 | 4.0 | 4.0 | 82% |
| Laredo Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 94% |
| Firstmark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 95% |
| Security Service Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 93% |
Online Lenders – Home Improvement Loans in Florida
The Community Survey most recommended online lenders for home improvement loans in Texas are Marcus and SoFi.
| Name | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend |
|---|---|---|---|---|---|
| SoFi | Online Lender | 4.5 | 4.5 | 4.5 | 93% |
| LightStream | Online Lender | 4.5 | 4.5 | 4.5 | 90% |
| Upgrade | Online Lender | 4.0 | 4.0 | 4.0 | 84% |
| LendingClub | Online Lender | 4.0 | 4.0 | 4.0 | 83% |
| Prosper | Online Lender | 4.0 | 4.0 | 4.0 | 83% |
| Marcus by Goldman Sachs | Online Lender | 4.5 | 4.5 | 4.5 | 93% |
| Discover | Online Lender | 4.0 | 4.0 | 4.0 | 85% |
| Best Egg | Online Lender | 4.0 | 4.0 | 4.0 | 81% |
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