Investment property refinance lenders in Schenectady County, New York
Fat Boy Data analyzed investment property refinance activity in Schenectady 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. 103 applications were decided by 38 lenders between 2023 and 2025.
Schenectady County at a glance
How Schenectady County compares
What the data shows
Sunmark Credit Union made the most investment property refinances in Schenectady County, NY, 31 of them.
That is 38% of every investment property refinance originated here, so this market is unusually concentrated in one lender.
Sunmark Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 31.
The typical investment property refinance here is $175K, 64% smaller than the New York typical of $485K.
Investment property refinance lenders in Schenectady County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Sunmark Credit Union | 100% | 31 / 31 | 100% | $175K | 31 |
| 2 | Kiavi Funding, Inc.Limited sample | 100% | 13 / 13 | 100% | $185K | 13 |
| 3 | NBT Bank, National AssociationLimited sample | 83% | 5 / 6 | 100% | $205K | 5 |
| 4 | First New YorkLimited sample | 100% | 4 / 4 | 100% | $75K | 4 |
| 5 | Homestead Funding Corp.Limited sample | 33% | 1 / 3 | 100% | $185K | 1 |
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 33 more lenders.
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You are seeing the 5 largest investment property refinance lenders in Schenectady 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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