Home improvement loan lenders in Oneida County, New York
Fat Boy Data analyzed home improvement loan activity in Oneida 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. 2,993 applications were decided by 55 lenders between 2023 and 2025.
Oneida County at a glance
How Oneida County compares
What the data shows
First Source made the most home improvement loans in Oneida County, NY, 787 of them.
That is 36% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Utica Gas & Electric Emp approved the highest share of applications among lenders with at least 20 decisions here, 100% of 58.
Lenders approved 74.0% of home improvement loan applications in Oneida County, NY, 15.4 percentage points above the New York rate of 58.6%.
The typical home improvement loan here is $55K, 27% smaller than the New York typical of $75K.
No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Oneida County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | First Source | 87% | 811 / 930 | 97% | $55K | 787 |
| 2 | AMERICU Credit Union | 74% | 483 / 650 | 100% | $55K | 482 |
| 3 | G.P.O. Federal Credit Union | 70% | 206 / 294 | 97% | $55K | 199 |
| 4 | Manufacturers and Traders Trust Company | 46% | 83 / 180 | 95% | $75K | 79 |
| 5 | Citizens Bank, National Association | 48% | 58 / 120 | 97% | $75K | 56 |
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 50 more lenders.
Free. One email unlocks the whole market.
You are seeing the 5 largest home improvement loan lenders in Oneida 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.
- Every lender, ranked
- Approval and take-up rates
- Typical loan and full range
- Nearest office and distance
- Branch count and how to apply
- How reachable each lender is
We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.