Gouverneur Savings and Loan Association
Gouverneur Savings and Loan Association received 194 applications in 2025 and made 139 mortgages, in 3 counties across 1 state. The median rate its borrowers got was 6.500% on a median loan of $135,000. Of 176 decisions, 35 were denials — 19.9%, most often for other.
| Legal Entity Identifier | 549300QYX5EMLSR68B45 |
|---|---|
| Applications received | 194 |
| Mortgages made | 139 |
| Denied | 35 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3685 points |
| FDIC-insured bank | Yes: Gouverneur Savings and Loan Association, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 94 | 6.500% | $145,000 | 22.1% |
| Refinancing | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 18 | 6.500% | $90,000 | 13.6% |
| Other purposes | 18 | 7.125% | $60,000 | 10.0% |
Where Gouverneur Savings and Loan Association lends most
The 3 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| St. Lawrence County, NY | 87 | 6.500% | 20.5% |
| Jefferson County, NY | 48 | 6.750% | 20.0% |
| Lewis County, NY | 4 | Under 10 loans | 0.0% |
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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.