Home improvement loan lenders in Buncombe County, North Carolina
Fat Boy Data analyzed home improvement loan activity in Buncombe 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. 2,910 applications were decided by 101 lenders between 2023 and 2025.
Buncombe County at a glance
How Buncombe County compares
What the data shows
State Employees' made the most home improvement loans in Buncombe County, NC, 505 of them.
That is 28% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Citizens Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 81% of 53.
The typical home improvement loan here is $105K, 24% larger 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 Buncombe County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | State Employees' | 72% | 508 / 706 | 99% | $65K | 505 |
| 2 | First-Citizens Bank & Trust Company | 75% | 292 / 389 | 96% | $105K | 279 |
| 3 | Bank of America, National Association | 52% | 141 / 272 | 96% | $105K | 136 |
| 4 | United Federal Credit Union | 63% | 119 / 190 | 92% | $105K | 110 |
| 5 | Truist Bank | 46% | 75 / 164 | 97% | $105K | 73 |
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 96 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Buncombe 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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