St. Lawrence County
New York · FIPS 36089
According to CFPB HMDA 2024 application volume among U.S. counties, St. Lawrence County ranks #1,149 of 3,210, 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 saw 1,428 HMDA-reported mortgage applications in 2024. Lenders originated 807 of those loans and denied 317, producing a denial rate of 22.2% and an approval (origination) rate of 56.5%. The average loan amount was $129,580 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% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for St. Lawrence County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This St. Lawrence County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. 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.