Home improvement loan lenders in Cleveland County, North Carolina
Fat Boy Data analyzed home improvement loan activity in Cleveland County, North Carolina, home to Shelby, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,152 applications were decided by 62 lenders between 2023 and 2025.
Cleveland County at a glance
How Cleveland County compares
What the data shows
State Employees' made the most home improvement loans in Cleveland County, NC, 251 of them.
That is 38% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
The Fidelity Bank approved the highest share of applications among lenders with at least 20 decisions here, 76% of 25.
The typical home improvement loan here is $55K, 35% smaller than the North Carolina typical of $85K.
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 sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Cleveland County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | State Employees' | 71% | 252 / 355 | 100% | $55K | 251 |
| 2 | Truliant Federal Credit Union | 58% | 126 / 216 | 94% | $55K | 119 |
| 3 | Sharonview Federal Credit Union | 61% | 41 / 67 | 95% | $85K | 39 |
| 4 | Fifth Third Bank, National Association | 45% | 28 / 62 | 96% | $75K | 27 |
| 5 | Bank of America, National Association | 27% | 13 / 48 | 92% | $105K | 12 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 57 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Cleveland County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
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