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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in Oswego County, New York

Fat Boy Data analyzed investment home improvement loan activity in Oswego 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. 52 applications were decided by 23 lenders between 2023 and 2025.

Oswego County at a glance

23Active lenders0 with 20+ decisions
48.1%Market approval rate25 of 52 decided
$75KTypical loanmedian lender, $10K brackets
92%Borrower take-up23 loans funded

How Oswego County compares

Approval rate compared
Oswego County48.1%New York43.5%All 616 counties51.2%
Typical loan compared
Oswego County$75KNew York$205KAll 616 counties$115K

What the data shows

Community Bank, National Association made the most investment home improvement loans in Oswego County, NY, 4 of them.

The typical investment home improvement loan here is $75K, 63% smaller than the New York typical of $205K.

Investment property improvement lenders in Oswego County

LenderApprovalApprovedTaken upTypical loanLoans made
1Empower Federal Credit UnionLimited sample18%2 / 11100%$35K2
2Community Bank, National AssociationLimited sample80%4 / 5100%$75K4
3Fulton Savings BankLimited sample75%3 / 467%$55K2
4AMERICU Credit UnionLimited sample25%1 / 4100%$25K1
5KeyBank National AssociationLimited sample25%1 / 40%0

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 18 more lenders.

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You are seeing the 5 largest investment home improvement loan lenders in Oswego County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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  • Typical loan and full range
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  • Branch count and how to apply
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