Home improvement loan lenders in Ontario County, New York
Fat Boy Data analyzed home improvement loan activity in Ontario County, New York, home to Geneva, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,602 applications were decided by 51 lenders between 2023 and 2025.
Ontario County at a glance
How Ontario County compares
What the data shows
The Canandaigua National Bank and Trust Company made the most home improvement loans in Ontario County, NY, 252 of them.
Pittsford Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 97% of 39.
Lenders approved 79.7% of home improvement loan applications in Ontario County, NY, 21.1 percentage points above the New York rate of 58.6%.
The typical home improvement loan here is $65K, 13% smaller than the New York typical of $75K.
Only 1 lender here typically writes at or below $35K: Bank of America, 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 Ontario County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | ESL Federal Credit Union | 80% | 257 / 320 | 96% | $65K | 246 |
| 2 | The Canandaigua National Bank and Trust Company | 90% | 260 / 289 | 97% | $75K | 252 |
| 3 | The Lyons N.A.tional Bank | 88% | 174 / 197 | 99% | $75K | 172 |
| 4 | Community Bank, National Association | 78% | 105 / 134 | 99% | $55K | 104 |
| 5 | Reliant Community Federal Credit Union | 69% | 90 / 131 | 97% | $55K | 87 |
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 46 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Ontario 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
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