Applications / Mortgage Analytics / Lenders / New York / Gouverneur Savings and Loan Association
Gouverneur, NY · Savings institution · FDIC · $202 million assets · 139 loans in 2025
Gouverneur Savings and Loan Association's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
139
loans originated, 2025
194
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gouverneur Savings and Loan Association finances manufactured homes, which most similar lenders do not touch, and its lending rose 60% in 2025, to 139 loans.
Manufactured homes made up 16.5% of its loans. At the typical similar lender (savings institutions making between half and twice as many loans) the share was 0.0%, and its share was higher than at nearly all of them. Its typical loan was $135,000, against $245,000, and every loan was conventional.
Its loans rose 60%, from 87, while similar lenders' rose 6%. That brings it back near the 143 it made in 2021. Home purchases made up 67.6% of its lending.
Borrowers with low or moderate incomes (LMI) took 23.9% of its loans, up from 9.4% a year earlier and close to the 24.8% at similar lenders. Poorer neighborhoods took 20.1%, against 16.9%.
It lends in just 3 counties. In Watertown-Fort Drum it ranks 15 of 106 lenders, and its share rose 0.1 points to 1.8%. In non-metro New York it ranks 68 of 377.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gouverneur Savings and Loan Association took 194 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.6% · Refinance 19.4% · Home improvement 8.6% · Other 4.3%
Conventional 100.0% · of 139 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 139 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Watertown-Fort Drum | 48 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QYX5EMLSR68B45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 905673 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 330976 | 2017–2017 |
Established 1 January 1892. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Gouverneur Savings and Loan Association's data.
Gouverneur Savings and Loan Association's data
$215
Gouverneur Savings and Loan Association and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Gouverneur Savings and Loan Association's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]