Investment property improvement lenders in Oneida County, New York
Fat Boy Data analyzed investment home improvement loan activity in Oneida 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. 109 applications were decided by 26 lenders between 2023 and 2025.
Oneida County at a glance
How Oneida County compares
What the data shows
First Source made the most investment home improvement loans in Oneida County, NY, 16 of them.
That is 31% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
First Source approved the highest share of applications among lenders with at least 20 decisions here, 73% of 22.
Lenders approved 49.5% of investment home improvement loan applications in Oneida County, NY, 6.0 percentage points above the New York rate of 43.5%.
The typical investment home improvement loan here is $125K, 39% smaller than the New York typical of $205K.
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 Oneida County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | First Source | 73% | 16 / 22 | 100% | $145K | 16 |
| 2 | G.P.O. Federal Credit UnionLimited sample | 31% | 4 / 13 | 100% | $105K | 4 |
| 3 | AMERICU Credit UnionLimited sample | 17% | 2 / 12 | 100% | $45K | 2 |
| 4 | Citizens Bank, National AssociationLimited sample | 0% | 0 / 9 | — | — | 0 |
| 5 | Berkshire BankLimited sample | 14% | 1 / 7 | 100% | $85K | 1 |
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 21 more lenders.
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