Gouverneur Savings and Loan Association mortgage approval rate & lending review
Gouverneur Savings and Loan Association decided 373 mortgage applications and funded 289 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Gouverneur Savings and Loan Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Gouverneur Savings and Loan Association at a glance
Approval is 2.7 points below the 81.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 76% | 163 / 215 | 98% | $135K | 160 |
| Home improvement loans | 83% | 29 / 35 | 100% | $45K | 29 |
| Cash-out refinance | 74% | 29 / 39 | 97% | $85K | 28 |
| Investment property purchase | 87% | 40 / 46 | 98% | $155K | 39 |
Gouverneur Savings and Loan Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 79% | $135K | 373 | 289 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Gouverneur Savings and Loan Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| St. Lawrence County, NY | Mortgage lenders | 77% | 141 | 108 |
| Jefferson County, NY | Mortgage lenders | 73% | 74 | 52 |
| Jefferson County, NY | Investment property purchase | 91% | 22 | 20 |
| Jefferson County, NY | Home improvement loans | 76% | 21 | 16 |
The county markets where Gouverneur Savings and Loan Association made the most loans. Each link opens that market with every lender ranked.
Questions about Gouverneur Savings and Loan Association
What is Gouverneur Savings and Loan Association's mortgage approval rate?
Gouverneur Savings and Loan Association approved 78.8% of the 373 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.7 points below the 81.6% national rate for the same mix of loan types.
How often do borrowers take the loan Gouverneur Savings and Loan Association offers?
Borrowers accepted 98% of the loans Gouverneur Savings and Loan Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Gouverneur Savings and Loan Association make?
The typical home purchase mortgage loan Gouverneur Savings and Loan Association made was $135K; across all loan types its typical loan ran from $45K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Gouverneur Savings and Loan Association lend?
Gouverneur Savings and Loan Association decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Gouverneur Savings and Loan Association directly?
Yes. Gouverneur Savings and Loan Association is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Gouverneur Savings and Loan Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Gouverneur Savings and Loan Association treats applications, then get a rate quote from the lender.