Mortgage lending in St. Lawrence County, New York
Lenders in St. Lawrence County, New York reported 1,518 mortgage applications for 2025, according to the CFPB.
1,518 mortgage applications and 899 loans originated in 2025; the denial rate was 25.0% of 1,267 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: St. Lawrence County, NY.
- 1,518
- Applications
- 899
- Loans originated
- 25.0%
- Denial rate
- 317 denied of 1,267 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,518 | 899 |
| 2024 | 1,358 | 808 |
| 2023 | 1,312 | 768 |
| 2022 | 1,779 | 1,081 |
| 2021 | 2,256 | 1,515 |
| 2020 | 1,870 | 1,196 |
| 2019 | 1,726 | 1,030 |
| 2018 | 1,573 | 921 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community Bank, N.A. | 184 | 289 |
| Northern Credit Union | 122 | 176 |
| Rocket Mortgage | 100 | 176 |
| Gouverneur Savings & Loan | 87 | 123 |
| Movement Mortgage, LLC | 60 | 84 |
| NBT Bank NA | 54 | 82 |
| Americu Credit Union | 33 | 61 |
| Keybank National Association | 21 | 34 |
| Navy Federal Credit Union | 18 | 36 |
| Farm Credit East ACA | 17 | 19 |
| Mortgage Research Center | 16 | 37 |
| Carthage Savings and Loan, National Association | 10 | 13 |
| Royal United Mortgage LLC | 9 | 15 |
| Crosscountry Mortgage, LLC | 9 | 14 |
| Citizens Bank, NA | 9 | 18 |
| Homestead Funding Corp. | 8 | 11 |
| American Neighborhood Mortgage Acceptance Company | 7 | 14 |
| United Wholesale Mortgage | 7 | 8 |
| Empower Federal Credit Union | 7 | 7 |
| JPMorgan Chase Bank, NA | 7 | 11 |
| Usaa Federal Savings Bank | 7 | 15 |
| Freedom Mortgage Corporation | 6 | 13 |
| Genesee Regional Bank | 5 | 11 |
| Broadview Federal Credit Union | 4 | 6 |
| Plaza Home Mortgage, Inc | 4 | 7 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 23 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 14 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,280 | 23.4% of 1,082 decided |
| 2 or more minority races | under 10 | |
| Joint | 21 | no rate: base under 50 |
| Race Not Available | 172 | 29.0% of 131 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 39 | no rate: base under 50 |
| Not Hispanic or Latino | 1,272 | 24.3% of 1,070 decided |
| Joint | 12 | no rate: base under 50 |
| Ethnicity Not Available | 195 | 29.7% of 155 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 577 | 25.9% of 486 decided |
| Female | 356 | 33.6% of 295 decided |
| Joint | 488 | 18.2% of 413 decided |
| Sex Not Available | 97 | 23.3% of 73 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 2600 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved