Investment property improvement lenders in St. Lawrence County, New York
Fat Boy Data analyzed investment home improvement loan activity in St. Lawrence 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. 38 applications were decided by 20 lenders between 2023 and 2025.
St. Lawrence County at a glance
How St. Lawrence County compares
What the data shows
Community Bank, National Association made the most investment home improvement loans in St. Lawrence County, NY, 9 of them.
That is 39% of every investment home improvement loan originated here, so this market is unusually concentrated in one lender.
Lenders approved 60.5% of investment home improvement loan applications in St. Lawrence County, NY, 17.0 percentage points above the New York rate of 43.5%.
The typical investment home improvement loan here is $75K, 63% smaller than the New York typical of $205K.
Investment property improvement lenders in St. Lawrence County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Community Bank, National AssociationLimited sample | 75% | 9 / 12 | 100% | $75K | 9 |
| 2 | Northern Credit UnionLimited sample | 33% | 1 / 3 | 100% | $35K | 1 |
| 3 | Gouverneur Savings and Loan AssociationLimited sample | 100% | 3 / 3 | 100% | $65K | 3 |
| 4 | Citizens Bank, National AssociationLimited sample | 33% | 1 / 3 | 100% | $105K | 1 |
| 5 | NBT Bank, National AssociationLimited sample | 50% | 1 / 2 | 100% | $185K | 1 |
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 15 more lenders.
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