# Gouverneur Savings and Loan Association

> **Canonical URL:** https://saferate.com/lenders/gouverneur-savings-and-loan-association

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Gouverneur Savings and Loan Association is a bank, headquartered in Gouverneur, NY, with 48 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300QYX5EMLSR68B45
- **Headquarters:** Gouverneur, NY
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** NY
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 48
- **Dollar Volume:** $9 million
- **Applications Received:** 72
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $185,417
- **Average Borrower Income:** $135,292

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 48 | +0.324% | $600 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 41 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 39/100 | 41 | $8M | +0.324% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 48 | 0.04% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 35 | 49/100 |
| Watertown | NY | 13 | 56/100 |

## Frequently Asked Questions

### What loan types does Gouverneur Savings and Loan Association offer?

Gouverneur Savings and Loan Association offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Gouverneur Savings and Loan Association offer mortgages?

Gouverneur Savings and Loan Association offers mortgages in 1 states: NY.

### What type of lender is Gouverneur Savings and Loan Association?

Gouverneur Savings and Loan Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Gouverneur, NY.

### What is Gouverneur Savings and Loan Association's loan approval success rate?

Gouverneur Savings and Loan Association has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/gouverneur-savings-and-loan-association

### How to Cite

> "Gouverneur Savings and Loan Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gouverneur-savings-and-loan-association

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