Gouverneur Savings & Loan Mortgage Lending & HMDA Data, 2022
In 2022, Gouverneur Savings & Loan of Gouverneur, NY reported 141 mortgage applications totaling $20.2 million, down 35% from 2021. The average application was for $143,156, and applicants reported an average income of $112,971. 72% of its applications resulted in an originated loan and 20% were denied. Its largest market was Watertown-Fort Drum, NY (57).
| Mortgage Company & Address | Gouverneur Savings & Loan 42 Church Street Gouverneur, NY 13642 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 |
| Total Number of Mortgage Applications | 141 |
| Total Mortgage Loan Application Amount | $20,185,000 |
| Average Mortgage Loan Application Amount | $143,156 |
| Highest Mortgage Loan Application Amount | $1,805,000 |
| Average Applicant Income | $112,971 |
| Highest Applicant Income | $950,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gouverneur Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| St. Lawrence, New York | 74 | $ 8,960,000 | $ 121,081 | $ 104,000 |
| Jefferson, New York | 57 | $ 9,965,000 | $ 174,824 | $ 123,000 |
| Lewis, New York | 10 | $ 1,260,000 | $ 126,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Gouverneur Savings & Loan in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 77 | $12,395,000 | $160,000 | $1,805,000 | $124,000 | $950,000 |
| Refinancing | 25 | $3,005,000 | $120,000 | $265,000 | $92,000 | $270,000 |
| Cash-out Refinancing | 22 | $2,890,000 | $131,000 | $375,000 | $91,000 | $167,000 |
| Home Improvement | 10 | $1,310,000 | $131,000 | $805,000 | $161,000 | $403,000 |
| Other Purpose | 7 | $585,000 | $83,000 | $245,000 | $67,000 | $135,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 134 | $17,490,000 | $130,000 | $805,000 | $108,000 | $403,000 |
| Not Provided | 3 | $2,255,000 | $751,000 | $1,805,000 | $390,000 | $950,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $51,000 | $51,000 |
| Asian | 1 | $105,000 | $105,000 | $105,000 | $62,000 | $62,000 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $39,000 | $39,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 141 | $20,185,000 | $143,000 | $1,805,000 | $113,000 | $950,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 101 | $13,235,000 | $131,000 | $465,000 | $115,000 | $382,000 |
| Application Denied By Financial Institution | 28 | $2,660,000 | $95,000 | $185,000 | $72,000 | $167,000 |
| Application Withdrawn By Applicant | 9 | $4,015,000 | $446,000 | $1,805,000 | $232,000 | $950,000 |
| Application Approved But Not Accepted | 2 | $220,000 | $110,000 | $125,000 | $113,000 | $154,000 |
| File Closed For Incompleteness | 1 | $55,000 | $55,000 | $55,000 | $7,000 | $7,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 113 | $17,525,000 | $155,000 | $1,805,000 | $123,000 | $950,000 |
| Other | 12 | $950,000 | $79,000 | $155,000 | $63,000 | $141,000 |
| Debt-To-Income Ratio | 9 | $1,005,000 | $111,000 | $185,000 | $84,000 | $167,000 |
| Credit History | 4 | $240,000 | $60,000 | $105,000 | $45,000 | $69,000 |
| Unverifiable Information | 1 | $165,000 | $165,000 | $165,000 | $102,000 | $102,000 |
| Collateral | 1 | $175,000 | $175,000 | $175,000 | $141,000 | $141,000 |
| Credit Application Incomplete | 1 | $125,000 | $125,000 | $125,000 | $79,000 | $79,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gouverneur Savings & Loan's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Gouverneur Savings & Loan's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About