Home improvement loan lenders in Ulster County, New York
Fat Boy Data analyzed home improvement loan activity in Ulster County, New York, home to Kingston, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 2,218 applications were decided by 65 lenders between 2023 and 2025.
Ulster County at a glance
How Ulster County compares
What the data shows
Hudson Valley Credit Union made the most home improvement loans in Ulster County, NY, 478 of them.
That is 39% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Ulster Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 92% of 170.
Lenders approved 63.8% of home improvement loan applications in Ulster County, NY, 5.2 percentage points above the New York rate of 58.6%.
No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
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 Ulster County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Hudson Valley Credit Union | 71% | 625 / 883 | 76% | $75K | 478 |
| 2 | Mid-Hudson Valley Federal Credit Union | 72% | 128 / 177 | 96% | $85K | 123 |
| 3 | Ulster Savings Bank | 92% | 157 / 170 | 97% | $45K | 152 |
| 4 | Manufacturers and Traders Trust Company | 47% | 74 / 157 | 96% | $75K | 71 |
| 5 | Citizens Bank, National Association | 59% | 86 / 145 | 95% | $125K | 82 |
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 60 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest home improvement loan lenders in Ulster 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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