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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in New York

Fat Boy Data analyzed home improvement loan activity in New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 126,509 applications were decided by 360 lenders between 2023 and 2025.

New York at a glance

360Active lenders137 with 20+ decisions
58.6%Market approval rate74,163 of 126,509 decided
$75KTypical loanmedian lender, $10K brackets
95%Borrower take-up70,616 loans funded

How New York compares

Approval rate compared
New York58.6%All 616 counties62.7%
Typical loan compared
New York$75KAll 616 counties$75K

What the data shows

Citizens Bank, National Association made the most home improvement loans in New York, 7,034 of them.

Pittsford Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 304.

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.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 23% approved of 4,229Alliant Credit Union: 25% approved of 386U.S. Bank National Association: 28% approved of 1,054Bank of America, National Association: 32% approved of 8,554Pentagon Federal Credit Union: 38% approved of 724Citibank, National Association: 41% approved of 1,391Northfield Bank: 41% approved of 483Fourleaf: 44% approved of 11,645Municipal Credit Union: 45% approved of 1,921PNC Bank, National Association: 46% approved of 969Third Federal Savings And Loan Association Of Cleveland: 48% approved of 374American Airlines Federal Credit Union: 49% approved of 228Manufacturers and Traders Trust Company: 52% approved of 10,180Citizens Bank, National Association: 52% approved of 13,945TD Bank, National Association: 53% approved of 7,111Navy Federal Credit Union: 53% approved of 1,559KeyBank National Association: 54% approved of 1,747Jovia Financial: 56% approved of 4,567Webster Bank, National Association: 57% approved of 651Suffolk: 60% approved of 2,629Figure Lending LLC: 60% approved of 380Advantage Federal Credit Union: 63% approved of 682TrustCo Bank: 66% approved of 967Five Star Bank: 66% approved of 313Valley National Bank: 68% approved of 558Visions Federal Credit Union: 68% approved of 1,042Reliant Community Federal Credit Union: 68% approved of 324Mid-Hudson Valley Federal Credit Union: 68% approved of 422Hudson Valley Credit Union: 69% approved of 6,900NBT Bank, National Association: 69% approved of 435Saratoga N.A.tional Bank and Trust Company: 69% approved of 209THE SUMMIT Federal Credit Union: 69% approved of 1,114Tompkins Bank & Trust: 70% approved of 398G.P.O. Federal Credit Union: 70% approved of 301Island Federal Credit Union: 71% approved of 791Rocket Mortgage, LLC: 71% approved of 508Northwest Bank: 71% approved of 939AMERICU Credit Union: 72% approved of 1,756JPMorgan Chase Bank, National Association: 72% approved of 574Evans Bank, National Association: 77% approved of 247Northern Credit Union: 77% approved of 638Pioneer Bank, National Association: 77% approved of 458ESL Federal Credit Union: 78% approved of 4,484CNB Bank: 79% approved of 376Community Bank, National Association: 79% approved of 1,312Broadview Federal Credit Union: 79% approved of 8,774Sunmark Credit Union: 80% approved of 1,380Empower Federal Credit Union: 80% approved of 3,530Heritage Financial Credit Union: 84% approved of 616The Canandaigua National Bank and Trust Company: 86% approved of 945Cornerstone Community Federal Credit Union: 87% approved of 893First Source: 87% approved of 950First New York: 88% approved of 436Family First of Ny: 88% approved of 411The Lyons N.A.tional Bank: 88% approved of 345Ontario Shores: 89% approved of 272Homebridge Financial Services, Inc.: 91% approved of 428Ulster Savings Bank: 92% approved of 202Western Division Federal Credit Union: 92% approved of 373Pittsford Federal Credit Union: 97% approved of 304

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

Home improvement loan lenders in New York

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association52%7,282 / 13,94597%$165K7,034
2Fourleaf44%5,132 / 11,64598%$145K5,022
3Manufacturers and Traders Trust Company52%5,297 / 10,18094%$65K4,962
4Broadview Federal Credit Union79%6,935 / 8,77499%$65K6,832
5Bank of America, National Association32%2,774 / 8,55497%$105K2,699

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 355 more lenders.

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Other lending data for New York

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Counties in New York

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