Home improvement loan lenders in Harnett County, North Carolina
Fat Boy Data analyzed home improvement loan activity in Harnett County, North Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,282 applications were decided by 76 lenders between 2023 and 2025.
Harnett County at a glance
How Harnett County compares
What the data shows
State Employees' made the most home improvement loans in Harnett County, NC, 257 of them.
That is 35% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
First-Citizens Bank & Trust Company approved the highest share of applications among lenders with at least 20 decisions here, 78% of 73.
Lenders approved 58.9% of home improvement loan applications in Harnett County, NC, 5.2 percentage points below the North Carolina rate of 64.0%.
The typical home improvement loan here is $65K, 24% 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 name and sample size.
Home improvement loan lenders in Harnett County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | State Employees' | 63% | 260 / 411 | 99% | $55K | 257 |
| 2 | Navy Federal Credit Union | 68% | 88 / 129 | 100% | $65K | 88 |
| 3 | COASTAL Federal Credit Union | 61% | 51 / 83 | 88% | $65K | 45 |
| 4 | Bank of America, National Association | 25% | 21 / 83 | 100% | $55K | 21 |
| 5 | First-Citizens Bank & Trust Company | 78% | 57 / 73 | 95% | $75K | 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 71 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Harnett 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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