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investment property improvement lenders · HMDA 2023–2025

Investment property improvement lenders in New York

Fat Boy Data analyzed investment home improvement loan activity in 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. 5,323 applications were decided by 212 lenders between 2023 and 2025.

New York at a glance

212Active lenders43 with 20+ decisions
43.5%Market approval rate2,315 of 5,323 decided
$205KTypical loanmedian lender, $10K brackets
95%Borrower take-up2,205 loans funded

How New York compares

Approval rate compared
New York43.5%All 616 counties51.2%
Typical loan compared
New York$205KAll 616 counties$115K

What the data shows

TD Bank, National Association made the most investment home improvement loans in New York, 350 of them.

Homebridge Financial Services, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 89% of 165.

Lenders approved 43.5% of investment home improvement loan applications in New York, 7.7 percentage points below the the United States rate of 51.2%.

The typical investment home improvement loan here is $205K, 78% larger than the the United States typical of $115K.

Only 1 lender here typically writes at or below $35K: Western Division Federal Credit Union.

Approval rate of all 43 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 0% approved of 37Municipal Credit Union: 5% approved of 43U.S. Bank National Association: 7% approved of 97Bank of America, National Association: 12% approved of 458Broadview Federal Credit Union: 13% approved of 94Navy Federal Credit Union: 18% approved of 157AMERICU Credit Union: 21% approved of 28Pentagon Federal Credit Union: 22% approved of 45Hudson Valley Credit Union: 23% approved of 124Empower Federal Credit Union: 28% approved of 46Jovia Financial: 29% approved of 202Citizens Bank, National Association: 29% approved of 543Suffolk: 32% approved of 66ESL Federal Credit Union: 33% approved of 99KeyBank National Association: 35% approved of 91PNC Bank, National Association: 36% approved of 76Citibank, National Association: 39% approved of 54Manufacturers and Traders Trust Company: 41% approved of 158Wells Fargo Bank, National Association: 41% approved of 46Webster Bank, National Association: 42% approved of 31TD Bank, National Association: 43% approved of 843Arrow Bank National Association: 50% approved of 20Saratoga N.A.tional Bank and Trust Company: 52% approved of 31Northwest Bank: 53% approved of 74Western Division Federal Credit Union: 58% approved of 26Crosscountry Mortgage, LLC: 61% approved of 38Valley National Bank: 62% approved of 29Lendingone, LLC: 63% approved of 102JPMorgan Chase Bank, National Association: 63% approved of 103NBT Bank, National Association: 63% approved of 30Deephaven Mortgage LLC: 64% approved of 95Hsbc Bank USA, N.A.tional Association: 67% approved of 36Morgan Stanley Private Bank, National Association: 70% approved of 20Rocket Mortgage, LLC: 71% approved of 77East West Bank: 73% approved of 85Homestead Funding Corp.: 73% approved of 26First Source: 74% approved of 23Community Bank, National Association: 77% approved of 92The Canandaigua National Bank and Trust Company: 83% approved of 24Abl Rpc Residential Credit Acquisition LLC: 85% approved of 114The Lyons N.A.tional Bank: 88% approved of 56Rpe Home Inc.: 89% approved of 27Homebridge Financial Services, Inc.: 89% approved of 165

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property improvement lenders in New York

LenderApprovalApprovedTaken upTypical loanLoans made
1TD Bank, National Association43%362 / 84397%$205K350
2Citizens Bank, National Association29%159 / 54399%$315K157
3Bank of America, National Association12%55 / 45898%$405K54
4Jovia Financial29%59 / 20297%$225K57
5Homebridge Financial Services, Inc.89%147 / 16592%$125K135

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 207 more lenders.

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Other lending data for New York

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Counties in New York

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