Gouverneur Savings & Loan Mortgage Lending & HMDA Data, 2017
In 2017, Gouverneur Savings & Loan of Gouverneur, NY reported 188 mortgage applications totaling $16.8 million. The average application was for $89,106, and applicants reported an average income of $77,808. 62% of its applications resulted in an originated loan and 24% were denied. Its largest market was Watertown-Fort Drum, NY (63).
| 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 | 188 |
| Total Mortgage Loan Application Amount | $16,752,000 |
| Average Mortgage Loan Application Amount | $89,106 |
| Highest Mortgage Loan Application Amount | $604,000 |
| Average Applicant Income | $77,808 |
| Highest Applicant Income | $319,000 |
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records Gouverneur Savings & Loan filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Gouverneur Savings & Loan in 2017
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 | 103 | $9,970,000 | $96,000 | $604,000 | $76,000 | $256,000 |
| Refinancing | 43 | $4,449,000 | $103,000 | $469,000 | $80,000 | $191,000 |
| Home Improvement | 42 | $2,333,000 | $55,000 | $264,000 | $80,000 | $319,000 |
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 | 185 | $16,017,000 | $86,000 | $469,000 | $78,000 | $319,000 |
| Not applicable | 1 | $604,000 | $604,000 | $604,000 | $0 | $0 |
| Not Provided | 1 | $111,000 | $111,000 | $111,000 | $141,000 | $141,000 |
| Asian | 1 | $20,000 | $20,000 | $20,000 | $69,000 | $69,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 188 | $16,752,000 | $89,000 | $604,000 | $78,000 | $319,000 |
| 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 | 117 | $9,651,000 | $82,000 | $308,000 | $80,000 | $319,000 |
| Application Denied By Financial Institution | 45 | $3,636,000 | $80,000 | $424,000 | $65,000 | $250,000 |
| Application Withdrawn By Applicant | 18 | $2,256,000 | $125,000 | $604,000 | $87,000 | $206,000 |
| Application Approved But Not Accepted | 7 | $740,000 | $105,000 | $264,000 | $96,000 | $190,000 |
| File Closed For Incompleteness | 1 | $469,000 | $469,000 | $469,000 | $123,000 | $123,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 18 | $1,645,000 | $91,000 | $424,000 | $64,000 | $191,000 |
| Credit History | 8 | $415,000 | $51,000 | $142,000 | $55,000 | $108,000 |
| Collateral | 4 | $500,000 | $125,000 | $350,000 | $94,000 | $176,000 |
| Credit Application Incomplete | 4 | $332,000 | $83,000 | $145,000 | $108,000 | $250,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $213,000 | $71,000 | $78,000 | $54,000 | $63,000 |
| Mortgage Insurance Denied | 2 | $133,000 | $66,000 | $76,000 | $39,000 | $46,000 |
| Employment History | 2 | $207,000 | $103,000 | $130,000 | $55,000 | $67,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $57,000 | $57,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gouverneur Savings & Loan's 2017 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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