Known for flexible personal loans and a wide branch network, OneMain Financial offers tailored financing options including renovation loans, credit cards, and insurance. Customers appreciate the straightforward process and helpful team, though some note the experience can vary depending on the branch. The company emphasizes transparency and responsible lending throughout.
Schenectady County Employees Federal Credit Union has earned reputation for excellence as a top-ten credit union with more than a decade of unwavering commitment to customer satisfaction. The credit union is built around local communities and is licensed and regulated by the NY Federal Credit Union Association, giving members peace of mind. Its member-oriented services and dedication to financial… more...
Schenectady County Employees Federal Credit Union has earned reputation for excellence as a top-ten credit union with more than a decade of unwavering commitment to customer satisfaction. The credit union is built around local communities and is licensed and regulated by the NY Federal Credit Union Association, giving members peace of mind. Its member-oriented services and dedication to financial education help members excel financially. The consistently high ratings and reviews, including long-term multiple-word users who praise the personal touch and staff, prove that it is a reliable and authentic institution. The members’ testimonials corroborate the sentiment that it can’t be uplifted by technology, but by strong customer service.
The Funding Store stands out for its fast processing times and personalized mortgage brokerage services, backed by a network of over 100 investors. They offer a variety of loan options, including FHA, VA, Jumbo, and refinancing programs, with a focus on clear communication and local market expertise. Customers appreciate the team’s responsiveness and guidance, though some note the process can… more...
The Funding Store stands out for its fast processing times and personalized mortgage brokerage services, backed by a network of over 100 investors. They offer a variety of loan options, including FHA, VA, Jumbo, and refinancing programs, with a focus on clear communication and local market expertise. Customers appreciate the team’s responsiveness and guidance, though some note the process can feel detailed due to thoroughness.
Known for fast turn times and clear communication, Homestead Funding Corp. offers a wide range of mortgage options including renovation loans, refinancing, and first-time buyer programs. Customers appreciate the team’s responsiveness and thorough guidance through the loan process, though some note the fast pace can feel a bit brisk.
Duncan & Cahill is reputable among the top ten companies, thanks to their positive reviews on a Trustindex.io. With over 90 years of experience with Duncan & Cahill, they have built a reputation for honesty, integrity, and personalized service. Customers consistently commend their professionalism and family-like approach. Given their female-owned designation, they prioritize eco-friendly and… more...
Duncan & Cahill is reputable among the top ten companies, thanks to their positive reviews on a Trustindex.io. With over 90 years of experience with Duncan & Cahill, they have built a reputation for honesty, integrity, and personalized service. Customers consistently commend their professionalism and family-like approach. Given their female-owned designation, they prioritize eco-friendly and sustainable practices. Furthermore, their long history of successful projects in commercial, educational, and industrial sectors reveals their commitment to high-quality construction services. They emphasize customer satisfaction as the key to their strategies, making Duncan & Cahill the best contractor in the Troy, NY area.
Lenders made 588 home-improvement loans in Schenectady County in 2025 (average about $84,000) and denied 283 — 32% of decided applications, compared with 39% across New York, according to federal mortgage data (HMDA, CFPB). The typical home in Schenectady was built in 1941 and is worth $168,800 (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Schenectady County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | OneMain Financial | 4.8 | 68 | Quoted per loan | (518) 357-9761 | Visit |
| 2 | Schenectady County Emplys CU | 4.0 | 4 | — | (518) 374-3830 | Visit |
| 3 | The Funding Store | 4.9 | 174 | Quoted per loan | (518) 587-0523 | Visit |
| 4 | Homestead Funding Corp. – Saratoga Springs | 4.7 | 20 | Quoted per loan | (518) 306-4511 | Visit |
| 5 | Duncan & Cahill | 5.0 | 4 | — | (518) 274-3631 | Visit |
General information, not financial advice — consult a qualified professional.
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