Investment property improvement lenders in Ulster County, New York
Fat Boy Data analyzed investment 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. 135 applications were decided by 28 lenders between 2023 and 2025.
Ulster County at a glance
How Ulster County compares
What the data shows
Ulster Savings Bank made the most investment home improvement loans in Ulster County, NY, 15 of them.
Citizens Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 48% of 29.
Lenders approved 55.6% of investment home improvement loan applications in Ulster County, NY, 12.1 percentage points above the New York rate of 43.5%.
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 Ulster County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Citizens Bank, National Association | 48% | 14 / 29 | 100% | $195K | 14 |
| 2 | Ulster Savings BankLimited sample | 100% | 16 / 16 | 94% | $105K | 15 |
| 3 | TD Bank, National AssociationLimited sample | 56% | 9 / 16 | 100% | $225K | 9 |
| 4 | Bank of America, National AssociationLimited sample | 21% | 3 / 14 | 100% | $125K | 3 |
| 5 | Hudson Valley Credit UnionLimited sample | 25% | 3 / 12 | 100% | $335K | 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 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.
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