Gouverneur Savings & Loan Mortgage Lending & HMDA Data, 2018
In 2018, Gouverneur Savings & Loan of Gouverneur, NY reported 146 mortgage applications totaling $16.0 million, down 22% from 2017. The average application was for $109,246, and applicants reported an average income of $84,726. 62% of its applications resulted in an originated loan and 26% were denied. Its largest market was Watertown-Fort Drum, NY (59).
| 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 | 146 |
| Total Mortgage Loan Application Amount | $15,950,000 |
| Average Mortgage Loan Application Amount | $109,246 |
| Highest Mortgage Loan Application Amount | $715,000 |
| Average Applicant Income | $84,726 |
| Highest Applicant Income | $810,000 |
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records Gouverneur Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 87 | $ 8,735,000 | $ 100,402 | $ 84,000 |
| Watertown-Fort Drum, NY | 59 | $ 7,215,000 | $ 122,288 | $ 86,000 |
Mortgage Loan Application Detail Totals for Gouverneur Savings & Loan in 2018
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 | 72 | $7,490,000 | $104,000 | $485,000 | $88,000 | $810,000 |
| Cash-out Refinancing | 35 | $5,035,000 | $143,000 | $715,000 | $97,000 | $371,000 |
| Home Improvement | 18 | $1,220,000 | $67,000 | $305,000 | $80,000 | $226,000 |
| Refinancing | 11 | $1,745,000 | $158,000 | $355,000 | $59,000 | $104,000 |
| Other Purpose | 10 | $460,000 | $46,000 | $85,000 | $55,000 | $139,000 |
| 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 | 137 | $14,525,000 | $106,000 | $715,000 | $85,000 | $810,000 |
| Not applicable | 6 | $1,170,000 | $195,000 | $295,000 | $0 | $0 |
| Hispanic | 2 | $200,000 | $100,000 | $135,000 | $108,000 | $150,000 |
| American Indian or Alaskan Native | 1 | $55,000 | $55,000 | $55,000 | $18,000 | $18,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 146 | $15,950,000 | $109,000 | $715,000 | $85,000 | $810,000 |
| 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 | 90 | $10,280,000 | $114,000 | $715,000 | $96,000 | $810,000 |
| Application Denied By Financial Institution | 38 | $3,840,000 | $101,000 | $355,000 | $69,000 | $371,000 |
| Application Withdrawn By Applicant | 17 | $1,805,000 | $106,000 | $255,000 | $67,000 | $139,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $62,000 | $62,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 108 | $12,110,000 | $112,000 | $715,000 | $91,000 | $810,000 |
| Debt-To-Income Ratio | 16 | $1,790,000 | $111,000 | $355,000 | $54,000 | $168,000 |
| Other | 15 | $1,125,000 | $75,000 | $155,000 | $78,000 | $371,000 |
| Collateral | 3 | $495,000 | $165,000 | $305,000 | $145,000 | $191,000 |
| Credit History | 3 | $365,000 | $121,000 | $295,000 | $51,000 | $102,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2018 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.
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