Investment property improvement lenders in Johnston County, North Carolina
Fat Boy Data analyzed investment home improvement loan activity in Johnston 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. 127 applications were decided by 31 lenders between 2023 and 2025.
Johnston County at a glance
How Johnston County compares
What the data shows
State Employees' made the most investment home improvement loans in Johnston County, NC, 25 of them.
That is 36% 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, 60% of 43.
Lenders approved 59.1% of investment home improvement loan applications in Johnston County, NC, 8.4 percentage points above the North Carolina rate of 50.7%.
The typical investment home improvement loan here is $85K, 13% larger 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 Johnston County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | State Employees' | 60% | 26 / 43 | 96% | $65K | 25 |
| 2 | Ks Bank, Inc.Limited sample | 100% | 12 / 12 | 100% | $155K | 12 |
| 3 | Navy Federal Credit UnionLimited sample | 36% | 4 / 11 | 100% | $85K | 4 |
| 4 | Deephaven Mortgage LLCLimited sample | 71% | 5 / 7 | 100% | $165K | 5 |
| 5 | First-Citizens Bank & Trust CompanyLimited sample | 50% | 3 / 6 | 67% | $35K | 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 26 more lenders.
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