Investment property improvement lenders in Union County, North Carolina
Fat Boy Data analyzed investment home improvement loan activity in Union County, North Carolina, home to Indian Trail, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 88 applications were decided by 30 lenders between 2023 and 2025.
Union County at a glance
How Union County compares
What the data shows
State Employees' made the most investment home improvement loans in Union County, NC, 13 of them.
That is 37% 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, 65% of 20.
Lenders approved 43.2% of investment home improvement loan applications in Union County, NC, 7.5 percentage points below the North Carolina rate of 50.7%.
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 Union County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | State Employees' | 65% | 13 / 20 | 100% | $75K | 13 |
| 2 | Bank of America, National AssociationLimited sample | 38% | 3 / 8 | 100% | $225K | 3 |
| 3 | Fifth Third Bank, National AssociationLimited sample | 0% | 0 / 8 | — | — | 0 |
| 4 | Spring Eq, LLCLimited sample | 0% | 0 / 7 | — | — | 0 |
| 5 | Truist BankLimited sample | 40% | 2 / 5 | 100% | $35K | 2 |
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 25 more lenders.
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You are seeing the 5 largest investment home improvement loan lenders in Union 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.
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