Investment property improvement lenders in Lycoming County, Pennsylvania
Fat Boy Data analyzed investment home improvement loan activity in Lycoming County, Pennsylvania to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 113 applications were decided by 22 lenders between 2023 and 2025.
Lycoming County at a glance
How Lycoming County compares
What the data shows
Journey Bank made the most investment home improvement loans in Lycoming County, PA, 28 of them.
That is 31% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Journey Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 28.
Lenders approved 85.8% of investment home improvement loan applications in Lycoming County, PA, 35.6 percentage points above the Pennsylvania rate of 50.2%.
The typical investment home improvement loan here is $85K, 11% smaller than the Pennsylvania typical of $95K.
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 Lycoming County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Journey Bank | 100% | 28 / 28 | 100% | $85K | 28 |
| 2 | Jersey Shore State Bank | 100% | 26 / 26 | 85% | $95K | 22 |
| 3 | Woodlands BankLimited sample | 100% | 15 / 15 | 100% | $55K | 15 |
| 4 | The Muncy Bank and Trust CompanyLimited sample | 83% | 5 / 6 | 100% | $35K | 5 |
| 5 | Citizens & Northern BankLimited sample | 100% | 6 / 6 | 100% | $55K | 6 |
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 17 more lenders.
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