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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Pitt County, North Carolina

Fat Boy Data analyzed investment home improvement loan activity in Pitt 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. 138 applications were decided by 29 lenders between 2023 and 2025.

Pitt County at a glance

29Active lenders1 with 20+ decisions
61.6%Market approval rate85 of 138 decided
$55KTypical loanmedian lender, $10K brackets
95%Borrower take-up81 loans funded

How Pitt County compares

Approval rate compared
Pitt County61.6%North Carolina50.7%All 616 counties51.2%
Typical loan compared
Pitt County$55KNorth Carolina$75KAll 616 counties$115K

What the data shows

State Employees' made the most investment home improvement loans in Pitt County, NC, 40 of them.

That is 49% 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, 64% of 66.

Lenders approved 61.6% of investment home improvement loan applications in Pitt County, NC, 10.9 percentage points above the North Carolina rate of 50.7%.

The typical investment home improvement loan here is $55K, 27% 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 Pitt County

LenderApprovalApprovedTaken upTypical loanLoans made
1State Employees'64%42 / 6695%$55K40
2Southern Bank and Trust CompanyLimited sample86%12 / 14100%$65K12
3Navy Federal Credit UnionLimited sample44%4 / 9100%$65K4
4Truist BankLimited sample25%2 / 8100%$45K2
5TowneBankLimited sample100%4 / 4100%$135K4

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 24 more lenders.

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You are seeing the 5 largest investment home improvement loan lenders in Pitt 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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