St. Lawrence County
New York · FIPS 36089
According to CFPB HMDA 2024 application volume among U.S. counties, St. Lawrence County ranks #1,158 of 3,223, and #45 of 62 in New York.
Mortgage lending activity in St. Lawrence County, New York based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. St. Lawrence County, New York lenders denied 317 of the applications reported here, financing the rest at an average note rate of 7.02%, with applicants self-reporting average annual income of $35K. 73 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in St. Lawrence County
In St. Lawrence County, lead originator Community Bank, N.A. funded 25.4% of 807 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 49.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to St. Lawrence County's 1,428 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to St. Lawrence County's $129,580 average loan (deduped against volume peers).
Lenders active in St. Lawrence County
Community Bank, N.A. funded 205 of the 807 loans originated in St. Lawrence County, 25.4% of the county. 73 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Community Bank, N.A. | 205 | 25.4% |
| 2 | Northern Credit Union | 119 | 14.7% |
| 3 | Rocket Mortgage | 75 | 9.3% |
| 4 | Movement Mortgage, LLC | 57 | 7.1% |
| 5 | Gouverneur Savings & Loan | 47 | 5.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For St. Lawrence County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for St. Lawrence County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.