Home improvement loan lenders in Saratoga County, New York
Fat Boy Data analyzed home improvement loan activity in Saratoga 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. 3,756 applications were decided by 67 lenders between 2023 and 2025.
Saratoga County at a glance
How Saratoga County compares
What the data shows
Broadview Federal Credit Union made the most home improvement loans in Saratoga County, NY, 1,381 of them.
That is 49% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
First New York approved the highest share of applications among lenders with at least 20 decisions here, 89% of 118.
Lenders approved 76.0% of home improvement loan applications in Saratoga County, NY, 17.4 percentage points above the New York rate of 58.6%.
Only 1 lender here typically writes at or below $35K: TCT Federal Credit Union.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Saratoga County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Broadview Federal Credit Union | 84% | 1,399 / 1,669 | 99% | $75K | 1,381 |
| 2 | Sunmark Credit Union | 84% | 316 / 377 | 100% | $75K | 316 |
| 3 | TrustCo Bank | 70% | 158 / 225 | 98% | $75K | 155 |
| 4 | Citizens Bank, National Association | 71% | 135 / 189 | 96% | $105K | 130 |
| 5 | Saratoga N.A.tional Bank and Trust Company | 77% | 113 / 146 | 99% | $85K | 112 |
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 62 more lenders.
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