Carthage Savings and Loan, National Association
Carthage Savings and Loan, National Association received 202 applications in 2025 and made 164 mortgages, in 4 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $135,000. Of 190 decisions, 22 were denials — 11.6%, most often for credit history.
| Legal Entity Identifier | 254900DNLSAVSRPDRK61 |
|---|---|
| Applications received | 202 |
| Mortgages made | 164 |
| Denied | 22 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Carthage Savings and Loan, National Association, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 134 | Not published | $155,000 | 6.1% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Other purposes | 26 | Not published | $60,000 | 29.7% |
Where Carthage Savings and Loan, National Association lends most
The 4 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jefferson County, NY | 102 | Not published | 13.3% |
| Lewis County, NY | 49 | Not published | 7.6% |
| St. Lawrence County, NY | 10 | Not published | 7.7% |
| Oswego County, NY | 3 | Under 10 loans | 25.0% |
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When Carthage Savings and Loan, National Association’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.