Investment property improvement lenders in Harnett County, North Carolina
Fat Boy Data analyzed investment 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. 95 applications were decided by 23 lenders between 2023 and 2025.
Harnett County at a glance
How Harnett County compares
What the data shows
State Employees' made the most investment home improvement loans in Harnett County, NC, 16 of them.
That is 42% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
State Employees' approved the highest share of applications among lenders with at least 20 decisions here, 43% of 37.
Lenders approved 40.0% of investment home improvement loan applications in Harnett County, NC, 10.7 percentage points below the North Carolina rate of 50.7%.
The typical investment home improvement loan here is $65K, 13% smaller than the North Carolina typical of $75K.
No lender with a meaningful sample here has a typical investment home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Investment property improvement lenders in Harnett County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | State Employees' | 43% | 16 / 37 | 100% | $65K | 16 |
| 2 | Navy Federal Credit Union | 23% | 5 / 22 | 100% | $55K | 5 |
| 3 | Bank of America, National AssociationLimited sample | 0% | 0 / 4 | — | — | 0 |
| 4 | Spring Eq, LLCLimited sample | 25% | 1 / 4 | 100% | $55K | 1 |
| 5 | TD Bank, National AssociationLimited sample | 50% | 2 / 4 | 100% | $55K | 2 |
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 18 more lenders.
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