Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for St. Lawrence County, New York
Every institution that decided a 1–4 unit mortgage application in St. Lawrence County, home to Massena, between 2023 and 2025: 3,044 applications, 2,192 loans actually funded, across 8 kinds of borrowing.
St. Lawrence County at a glance
3,044Applications decided
2023–2025
2,192Loans funded
72% of decisions
30Census tracts
15 ZIP codes
107,796People
ACS 2023
What the data shows
Lenders approved 81.2% of home-purchase applications in St. Lawrence County, 6.5 points below the New York rate.
The typical purchase mortgage here is $125K.
Lending by loan type in St. Lawrence County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 81.2% | 1,614 | $125K | 95% | 95 |
| Home improvement loans | 65.6% | 460 | $45K | 94% | 31 |
| Cash-out refinance | 59.4% | 303 | $125K | 95% | 43 |
| Refinance | 74.1% | 317 | $75K | 95% | 34 |
| Investment property purchase | 85.2% | 263 | $115K | 95% | 63 |
| Investment cash-out refinance | 72.0% | 25 | $105K | 83% | 17 |
| Investment refinance | 58.3% | 24 | $75K | 100% | 13 |
| Investment home improvement | 60.5% | 38 | $75K | 100% | 20 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.