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  1. United States
  2. TOP Home Renovation Loan Companies
  3. Home Renovation Loan Companies in New York
  4. Utica

Top Home Renovation Loan Companies In Utica

9 in Utica · 1 nearby
Utica Home Renovation Loan Companies stats: Key insights from this page’s listings Updated
Businesses listed
9 +1 nearby
Average rating
4.6 469 reviews
Typical service price
$150 – $1,500 Median of 39 priced services
Most-offered services
Siding InstallationRenovationCarport ReplacementPorch ReplacementCountertop Installation
What customers praise
recommend×163highly recommend×87very professional×39great job×38
Also serving Utica
Rome1 · 20 km
Renovation loansUtica, NY

1

VIEW NEW SIDING/ REMODELING L.L.C.

VIEW NEW SIDING/ REMODELING L.L.C. is a top contender. The company is among the top ten contractors in Central New York. The company’s extensive 22 years of experience, a focus on high-quality home improvement services, and outstanding reputation for workmanship are what make View New Siding/Remodeling a top choice. Reviews emphasize Jamie’s focus on working with clients to meet their needs and… more...

VIEW NEW SIDING/ REMODELING L.L.C. is a top contender. The company is among the top ten contractors in Central New York. The company’s extensive 22 years of experience, a focus on high-quality home improvement services, and outstanding reputation for workmanship are what make View New Siding/Remodeling a top choice. Reviews emphasize Jamie’s focus on working with clients to meet their needs and his ability to complete projects on time. The company's many industry awards, including the Master Siding, reflect their focus on high-quality craftsmanship and customer satisfaction. The brand’s comprehensive offerings and fast free estimates play a significant role in customer satisfaction. Therefore, showcasing the details of the relationship between the contractor and the homeowner ensures the best results. The brand’s focus on timeless projects and long-term relationships with customers speaks for itself. It is why View New Siding/Remodeling is considered one of the top ten contractors in Central New York.

Services & Prices
Room Addition $15000 - $25000
Interior Repairs $300 - $800
Vinyl Siding Replacement $4000 - $8000
Siding Repair $200 - $1500
View Profile
(315) 920-1112
Open 7:00 AM - 7:00 PM
1517 West St, Utica, NY 13501
General Services
Renovation
2

IVO Cabinets & Surfaces | Cabinet Maker & Countertop Fabricator

IVO Cabinets & Surfaces | Cabinet Maker & Countertop Fabricator is in the top ten list for high-quality cabinetry and countertops. The company boasts over 10 years of industry experience, specializing in custom designs and installations. Client reviews mention IVO's commitment to customer satisfaction, professionalism, and quality work. Clients compliment the family-owned business's efficient… more...

IVO Cabinets & Surfaces | Cabinet Maker & Countertop Fabricator is in the top ten list for high-quality cabinetry and countertops. The company boasts over 10 years of industry experience, specializing in custom designs and installations. Client reviews mention IVO's commitment to customer satisfaction, professionalism, and quality work. Clients compliment the family-owned business's efficient, high-quality services and post-remodel support like follow-up repairs. IVO's customized design, sustainable resources, and thorough service are encouraged, and the business's certifications and awards affirm its reputation. These facts assure clients of quality results and supportive post-purchase service, allowing IVO to rise to the top.

Services & Prices
Quartz Countertop Installation $50 - $100
Granite Countertop Installation $60 - $120
Marble Countertop Installation $70 - $130
Custom Cabinet Design $250 - $500
View Profile
(315) 272-4499
Open 9:00 AM - 5:00 PM
1201 Broad St, Utica, NY 13501
General Services
Countertop Installation
3

M.L.B Contracting LLC

M.L.B. Contracting LLC is a top ten company because of its 21-year experience, family ownership, and strong focus on quality and customer satisfaction. Under Mike’s guidance, the company is dedicated to hiring certified installers who ensure top-notch work and exceed client needs with every remodel. Reviews highlight M.L.B. Contracting's expertise in kitchen and bathroom remodeling and welcome… more...

M.L.B. Contracting LLC is a top ten company because of its 21-year experience, family ownership, and strong focus on quality and customer satisfaction. Under Mike’s guidance, the company is dedicated to hiring certified installers who ensure top-notch work and exceed client needs with every remodel. Reviews highlight M.L.B. Contracting's expertise in kitchen and bathroom remodeling and welcome its transparent pricing and professional communication. People praise the quality of the company’s craftsmanship and how it often leads to longer projects and seamless outcomes. M.L.B. Contracting’s fair pricing, responsiveness, and community commitment also rank it No. 10 on the list.

Services & Prices
Full Kitchen Remodel $15000 - $30000
Cabinet Installation $5000 - $15000
Countertop Installation $1500 - $5000
Full Bathroom Remodel $10000 - $25000
View Profile
(315) 794-6223
Open 8:00 AM - 6:00 PM
1210 Walnut St, Utica, NY 13502
General Services
Kitchen Remodeling
4

Homestead Funding Corp: Patrick McKenney | NMLS# 463228

Patrick McKenney of Homestead Funding Corp is consistently rated in the top ten for his substantial work experience and amazing client satisfaction. In Mortgage, McKenney has over twenty years of expertise, starting with his work in different roles at Homestead Funding Corp, where he served as Chief Loan Officer and Business Development Manager. His team members and clients commend him for… more...

Patrick McKenney of Homestead Funding Corp is consistently rated in the top ten for his substantial work experience and amazing client satisfaction. In Mortgage, McKenney has over twenty years of expertise, starting with his work in different roles at Homestead Funding Corp, where he served as Chief Loan Officer and Business Development Manager. His team members and clients commend him for assisting them all the way throughout the process. Many clients remark on his accessibility, commitment to client care, and effective communication. He makes getting a mortgage easy, fast, and customized. His technical ability, supportive community, and comprehensive services differ from his competitors.

Services & Prices
Home Mortgage $200 - $500
Refinancing $300 - $700
First-Time Home Buyer Assistance $100 - $300
Consultation $50 - $150
View Profile
(315) 525-5428
Open 8:00 AM - 5:00 PM
1707 Oriskany St W Suite 110, Utica, NY 13502
General Services
Mortgage Services
5

Bank of Utica

Bank of Utica is listed as a top ten bank due to its community engagement, trustworthiness, and thorough banking options. It is FDIC-insured and has robust security measures, ensuring clients' financial safety. With a focus on personalization and local decision-making, Bank of Utica directs tackling your banking needs and offers timely approvals. While some reviews highlight web service issues… more...

Bank of Utica is listed as a top ten bank due to its community engagement, trustworthiness, and thorough banking options. It is FDIC-insured and has robust security measures, ensuring clients' financial safety. With a focus on personalization and local decision-making, Bank of Utica directs tackling your banking needs and offers timely approvals. While some reviews highlight web service issues and delays, many praise the bank's responsive customer service and companionate staff. Bank of Utica's commitment to the community, bonds with clients, and educational programs make it a trustworthy partner.

Services & Prices
Checking Account $0 - $5
Savings Account $0 - $5
Debit Card Issuance $0 - $10
In-person Assistance $0 - $5
View Profile
(315) 797-2700
Open 9:00 AM - 5:00 PM
222 Genesee St, Utica, NY 13502
General Services
Banking Services
Where they are 10 on the map Click a pin for the profile and directions
6

The HomeOwnershipCenter

The HomeOwnershipCenter is in the top ten due to its informative classes, but it has flaws in communication and providing substantial support. Some reviews say classes are worthwhile, while others criticize the lack of communication, unclear guidelines, and delays in receiving financial aid. These reviewers recount being told they are eligible for a grant, only to find out later than expected… more...

The HomeOwnershipCenter is in the top ten due to its informative classes, but it has flaws in communication and providing substantial support. Some reviews say classes are worthwhile, while others criticize the lack of communication, unclear guidelines, and delays in receiving financial aid. These reviewers recount being told they are eligible for a grant, only to find out later than expected they aren't. Others express frustration at being left in the dark when confusing regulations are being enforced. Guaranteeing home buyers grants and straightforward communication can improve trustworthiness, policy fairness, and program efficiency.

Services & Prices
First-time Homebuyer Class $50 - $100
Financial Planning for Homeownership $100 - $200
Homebuyer Assistance Program $100 - $150
Homebuyer Grant Application $50 - $75
View Profile
(315) 724-4197
Closed Now
1611 Genesee St, Utica, NY 13501
General Services
Homeownership Classes
7

Brucker's Home Improvement

Brucker's Home Improvement is in the top ten home improvement contractors. Customers like the expert service Keith's team offers and quick response. The recommendations of the small company that offer honest, affordable solutions are great. Brucker's Home Improvement was successful because they were a better option than competitors. Brucker's Home Improvement team compliments the quality… more...

Brucker's Home Improvement is in the top ten home improvement contractors. Customers like the expert service Keith's team offers and quick response. The recommendations of the small company that offer honest, affordable solutions are great. Brucker's Home Improvement was successful because they were a better option than competitors. Brucker's Home Improvement team compliments the quality, reliability, and communication. Also, customers prefer "customer service" as a feature that reinforces the flattened positive repair option – the team treats the customer very well. With these features, Keith's company has become the sensible judgment in high-end home improvement projects with a commitment to quality and respect.

Services & Prices
Roof Repair $150 - $300
Roof Replacement $5000 - $10000
Shingle Installation $250 - $750
Chimney Repair $300 - $700
View Profile
(315) 725-2512
Closed Now
613 William St, Utica, NY 13502
General Services
Roofing Services
8

Home Improvement Contracting

Home Improvement Contracting ranks as a top ten company due to the organization’s exceptional work quality, efficient project completion, and dedication to the customer’s best interests. Clients frequently commend Josh’s work ethic and attention to detail. It is applied by the organization to simple upgrades or more complicated ones, such as bay window replacements and bathroom installations.… more...

Home Improvement Contracting ranks as a top ten company due to the organization’s exceptional work quality, efficient project completion, and dedication to the customer’s best interests. Clients frequently commend Josh’s work ethic and attention to detail. It is applied by the organization to simple upgrades or more complicated ones, such as bay window replacements and bathroom installations. Consumers value the meticulous preparations the business takes to protect their possessions during major renovations. Positive comments about work quality, suggestion to others, and remarks about how happy each transaction was with what clients received for their money, are powerful. Superior work, efficiency, and customer satisfaction support that Home Improvement Contracting was on the list.

Services & Prices
Oven Installation $100 - $200
Toilet Replacement $150 - $300
Window Replacement $300 - $600
Floor Installation $200 - $400
View Profile
(315) 542-9082
Open 8:00 AM - 7:00 PM
913 York St, Utica, NY 13502
General Services
Home Repairs
9

Homestead Funding Corp. – Utica

Homestead Funding Corp. - Utica earns a top ten ranking through its exceptional customer service, professional integrity, and personalized lending solutions. Reviews frequently highlight Patrick and his team’s attentiveness, with their availability, detailed explanations, and behaviors exceeding expectations. Furthermore, they value the concurrence of mortgage rates, the efficiency of the… more...

Homestead Funding Corp. - Utica earns a top ten ranking through its exceptional customer service, professional integrity, and personalized lending solutions. Reviews frequently highlight Patrick and his team’s attentiveness, with their availability, detailed explanations, and behaviors exceeding expectations. Furthermore, they value the concurrence of mortgage rates, the efficiency of the transaction, and the utility of the lending app. A long history of industry leadership supports that view. Homestead Funding Corp. - Utica scores as a trusted home lender, seasoned mortgage lender, and a company that regularly earns the top recognition for lending in the Utica region.

View Profile
(315) 790-5000
Open 8:00 AM - 5:00 PM
1707 Oriskany St W Suite 110, Utica, NY 13502
10

Rome Federal Credit Union

Serves Utica, NY

Rome Federal Credit Union is among the top ten for its community-first focus, transparency, and 90 years of reliable service to members. Unlike commercial banks, the organization re-invests profits in local initiatives and member advantages. Numerous reviews are overwhelmingly positive, with customers praising the organization for its helpful staff. Rome Federal Credit Union emphasizes customer… more...

Rome Federal Credit Union is among the top ten for its community-first focus, transparency, and 90 years of reliable service to members. Unlike commercial banks, the organization re-invests profits in local initiatives and member advantages. Numerous reviews are overwhelmingly positive, with customers praising the organization for its helpful staff. Rome Federal Credit Union emphasizes customer service, community engagement, and options for the modern consumer, which makes it a place that is welcoming and empowering. High customer reviews rank Rome Federal Credit Union highly in customer and community satisfaction.

View Profile
(315) 339-1658
Closed Now
937 Seneca St, Rome, NY 13440

Utica Home Improvement Loan Statistics

Home-improvement lending in Oneida County and home costs in Utica, NY (latest HMDA and Census data)

Lenders made 760 home-improvement loans in Oneida County in 2025 (average about $82,000) and denied 286 — 27% of decided applications, compared with 39% across New York, according to federal mortgage data (HMDA, CFPB). The typical home in Utica was built in 1940 and is worth $151,300 (Census ACS 2020–2024).

Home-improvement loans, 2025
760▲ 3%736 in 2024
Denial rate
27%NY 39%
Median year homes built
1940NY 1959
Median home value
$151,300NY $423,800
Home-purchase loans made (Oneida County, 2025)
1,781
Refinance loans made (2025)
797
Average home-improvement loan
$82,000 (NY $174,000)
Owners with a mortgage
51% · 28% of them spend 30%+ of income on housing
Median household income
$52,484 (NY $85,974)

Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Oneida County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.

Frequently asked questions

9 questions
How do I choose the best home renovation loan company in Utica?
Consider customer reviews, ratings, and whether the business has claimed its profile. TrustAnalytica ranks based on these factors for transparency.
What services do home renovation loan companies offer?
They provide financing options for home improvements, including loans for remodeling, repairs, and upgrades. Services often include consultations and application assistance.
Are free consultations common with home renovation loan companies in Utica?
Yes, free consultations are commonly offered to discuss financing options and project feasibility.
What questions should I ask a home renovation loan company before hiring?
Inquire about interest rates, loan terms, fees, eligibility requirements, and the application process to ensure the best fit for your needs.
Do I need a home renovation loan company for my project in New York?
If you require financing for home improvements, a loan company can provide options tailored to your project's scope and budget.
How long does it take to get a home renovation loan in Utica?
The process typically takes a few weeks, depending on the lender's requirements and your financial situation.
How do fees typically work for home renovation loans?
Fees may include origination fees, appraisal fees, and closing costs. These vary by lender and loan type.
What are the typical eligibility requirements for a home renovation loan in New York?
Eligibility often depends on credit score, income, and property value. Specific requirements vary by lender.
What is the role of customer reviews in choosing a loan company?
Customer reviews provide insights into service quality and customer satisfaction, helping you make informed decisions.

General information, not financial advice — consult a qualified professional.

Our Methodology

Best 10 renovation loans list assembly and recognition by TrustAnalytica for Utica is based on online reputation backed by review sources as google reviews, TrustAnalytica reviews and more.

We choose the best companies in the location and rank them based on rating, quantity of reviews and verification (Claimed or unclaimed profile).

Rankings are frequently updated to reflect the latest reviews from trusted sources.

Profile verification is free and may improve ranking, as we prioritize accurate, up-to-date profiles that are actively maintained and regularly reviewed.

TrustAnalytica's procedure for listing renovation loans companies involves manual research, review and placement. Please note that some companies are placed here through their registration with our services as every company gets not only access to our Saas services but also a profile that gets listed. We evaluate businesses based on their online reputation, accessibility, online resources such as website and their fit for best 10 renovation loans category.

The Process

1

Business Verification

Verified renovation loans listings in Utica are based on robust online activity and Google reviews, ensuring credibility.

2

Business Details

Comprehensive renovation loans profiles offer vital details for informed decisions in Utica.

3

Reviews And Ratings

Real-time customer ratings guide our renovation loans rankings in Utica, reflecting genuine reputation.

4

SEO And Keywords

Our SEO strategy elevates the visibility of top renovation loans providers in Utica.

5

AI Search Visibility

Every renovation loans listing in Utica is published with structured data that AI search tools like ChatGPT, Perplexity and Google AI Overviews can read and cite.