Gouverneur Savings and Loan Association in New York vs the state
18.0%Denial rate-1.71 pts vs state
19.9%Decision denial rate-4.15 pts vs state
71.7%Origination rate+12.06 pts vs state
6.50%Median rate-0.13 pts vs state
0.37Rate spread (pts)+0.16 pts vs state
$98kMedian applicant income
139Loans originated
35Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 132 | 90 | 20.5% | 6.50% | #237 |
| 2024 | 120 | 87 | 21.7% | 7.00% | #244 |
| 2025 | 194 | 139 | 18.0% | 6.50% | #209 |
What Gouverneur Savings and Loan Association lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Gouverneur Savings and Loan Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Lawrence County | 123 | 87 | 23 | 18.7% |
| Jefferson County | 66 | 48 | 12 | 18.2% |
| Lewis County | 5 | 4 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 194 applications in 2025, of which 139 were originated and 35 denied.
18.0% of all applications, or 19.9% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Gouverneur Savings and Loan Association originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Gouverneur Savings and Loan Association's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology