Home improvement loan lenders in Jefferson County, New York
Fat Boy Data analyzed home improvement loan activity in Jefferson County, New York, home to Watertown, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,078 applications were decided by 43 lenders between 2023 and 2025.
Jefferson County at a glance
How Jefferson County compares
What the data shows
Northern Credit Union made the most home improvement loans in Jefferson County, NY, 275 of them.
That is 38% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Watertown Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 99% of 70.
Lenders approved 71.2% of home improvement loan applications in Jefferson County, NY, 12.5 percentage points above the New York rate of 58.6%.
The typical home improvement loan here is $45K, 40% smaller than the New York typical of $75K.
Only 1 lender here typically writes at or below $35K: Carthage Savings And Loan, National Association.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Home improvement loan lenders in Jefferson County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Northern Credit Union | 80% | 312 / 392 | 88% | $45K | 275 |
| 2 | Community Bank, National Association | 80% | 153 / 192 | 100% | $55K | 153 |
| 3 | AMERICU Credit Union | 65% | 120 / 186 | 100% | $55K | 120 |
| 4 | Watertown Savings Bank | 99% | 69 / 70 | 94% | $45K | 65 |
| 5 | Carthage Savings And Loan, National Association | 75% | 27 / 36 | 100% | $35K | 27 |
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 38 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Jefferson 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.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
We email you the unlock link plus occasional updates on this market. We may also share your interest with mortgage providers so they can contact you.See how we use your data. Unsubscribe any time.