Investment property improvement lenders in Jefferson County, New York
Fat Boy Data analyzed investment 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. 87 applications were decided by 28 lenders between 2023 and 2025.
Jefferson County at a glance
How Jefferson County compares
What the data shows
Community Bank, National Association made the most investment home improvement loans in Jefferson County, NY, 13 of them.
That is 27% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Lenders approved 57.5% of investment home improvement loan applications in Jefferson County, NY, 14.0 percentage points above the New York rate of 43.5%.
The typical investment home improvement loan here is $85K, 59% smaller than the New York typical of $205K.
Investment property improvement lenders in Jefferson County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Community Bank, National AssociationLimited sample | 76% | 13 / 17 | 100% | $75K | 13 |
| 2 | Northern Credit UnionLimited sample | 80% | 8 / 10 | 88% | $145K | 7 |
| 3 | Watertown Savings BankLimited sample | 88% | 7 / 8 | 100% | $85K | 7 |
| 4 | Citizens Bank, National AssociationLimited sample | 14% | 1 / 7 | 100% | $55K | 1 |
| 5 | Navy Federal Credit UnionLimited sample | 50% | 3 / 6 | 100% | $35K | 3 |
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 23 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest investment 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.
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