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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in North Carolina

Fat Boy Data analyzed home improvement loan activity in 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. 93,929 applications were decided by 350 lenders between 2023 and 2025.

North Carolina at a glance

350Active lenders100 with 20+ decisions
64.0%Market approval rate60,157 of 93,929 decided
$85KTypical loanmedian lender, $10K brackets
94%Borrower take-up56,539 loans funded

How North Carolina compares

Approval rate compared
North Carolina64.0%All 616 counties62.7%
Typical loan compared
North Carolina$85KAll 616 counties$75K

What the data shows

State Employees' made the most home improvement loans in North Carolina, 14,774 of them.

That is 26% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Summit Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 99% of 333.

The typical home improvement loan here is $85K, 13% larger than the the United States typical of $75K.

Only 1 lender here typically writes at or below $35K: Shoreham Bank.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 35% approved of 2,128Alliant Credit Union: 36% approved of 248Spring Eq, LLC: 41% approved of 1,433Shoreham Bank: 44% approved of 79Wells Fargo Bank, National Association: 45% approved of 157Sharonview Federal Credit Union: 46% approved of 698The Huntington National Bank: 48% approved of 187Truist Bank: 48% approved of 5,451U.S. Bank National Association: 48% approved of 906United Bank: 50% approved of 171Regions Bank: 50% approved of 448Bank of America, National Association: 51% approved of 8,990First Horizon Bank: 53% approved of 885Bank OZK: 53% approved of 182Fourleaf: 54% approved of 392HomeTrust Bank: 54% approved of 202Truliant Federal Credit Union: 54% approved of 6,664Pentagon Federal Credit Union: 56% approved of 716Guaranteed Rate, Inc.: 60% approved of 138American Airlines Federal Credit Union: 61% approved of 238Fifth Third Bank, National Association: 61% approved of 2,271Piedmont Advantage Credit Union: 62% approved of 92TD Bank, National Association: 62% approved of 454Founders Federal Credit Union: 63% approved of 231Civic Federal Credit Union: 64% approved of 1,766PNC Bank, National Association: 64% approved of 2,289New American Funding, LLC: 65% approved of 119Navy Federal Credit Union: 65% approved of 3,586Skyla Federal Credit Union: 66% approved of 248First Bank: 66% approved of 652Loandepot.Com, LLC: 66% approved of 306United Community Bank: 66% approved of 608First National Bank of Pennsylvania: 67% approved of 3,032Peoples Bank: 68% approved of 693Third Federal Savings And Loan Association Of Cleveland: 68% approved of 983TOWER Federal Credit Union: 68% approved of 166State Employees': 69% approved of 21,748United Federal Credit Union: 69% approved of 552Figure Lending LLC: 69% approved of 1,616Pinnacle Bank: 70% approved of 992PROPONENT Federal Credit Union: 72% approved of 79Citizens Bank, National Association: 75% approved of 1,007COASTAL Federal Credit Union: 75% approved of 4,488First-Citizens Bank & Trust Company: 76% approved of 5,776The Loan Store, Inc.: 76% approved of 120Rocket Mortgage, LLC: 76% approved of 401The Fidelity Bank: 78% approved of 474Allegacy Federal Credit Union: 78% approved of 1,241SouthState Bank, National Association: 80% approved of 935Duke University Federal Credit Union: 81% approved of 179Movement Mortgage, LLC: 81% approved of 202Homebridge Financial Services, Inc.: 83% approved of 178Nationstar Mortgage LLC: 83% approved of 247Baxter Credit Union: 84% approved of 103TowneBank: 86% approved of 424Corning Federal Credit Union: 86% approved of 780Lendage, LLC: 87% approved of 181Uwharrie Bank: 89% approved of 157Coastal Community Bank: 99% approved of 1,299Summit Credit Union: 99% approved of 333

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

Home improvement loan lenders in North Carolina

LenderApprovalApprovedTaken upTypical loanLoans made
1State Employees'69%14,927 / 21,74899%$55K14,774
2Bank of America, National Association51%4,556 / 8,99097%$105K4,437
3Truliant Federal Credit Union54%3,630 / 6,66495%$65K3,445
4First-Citizens Bank & Trust Company76%4,371 / 5,77694%$105K4,113
5Truist Bank48%2,629 / 5,45193%$105K2,454

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 345 more lenders.

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You are seeing the 5 largest home improvement loan lenders in North Carolina. 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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Other lending data for North Carolina

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Counties in North Carolina

Wake CountyCountyMecklenburg CountyCountyGuilford CountyCountyForsyth CountyCountyCumberland CountyCountyDurham CountyCountyBuncombe CountyCountyUnion CountyCountyGaston CountyCountyCabarrus CountyCountyNew Hanover CountyCountyJohnston CountyCounty