Home improvement loan lenders in Jefferson County, New York
Fat Boy Data analyzed home improvement loan activity in Jefferson County, 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. 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 name and sample size.
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 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 38 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Jefferson 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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