HomeNew YorkSt. Lawrence CountyInvestment cash-out refinance
investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in St. Lawrence County, New York

Fat Boy Data analyzed investment cash-out refinance activity in St. Lawrence County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 25 applications were decided by 17 lenders between 2023 and 2025.

St. Lawrence County at a glance

17Active lenders0 with 20+ decisions
72.0%Market approval rate18 of 25 decided
$105KTypical loanmedian lender, $10K brackets
83%Borrower take-up15 loans funded

How St. Lawrence County compares

Approval rate compared
St. Lawrence County72.0%New York76.5%All 616 counties73.1%
Typical loan compared
St. Lawrence County$105KNew York$425KAll 616 counties$205K

What the data shows

Gouverneur Savings and Loan Association made the most investment cash-out refinances in St. Lawrence County, NY, 4 of them.

That is 27% of every investment cash-out refinance originated here, so this market is unusually concentrated in one lender.

The typical investment cash-out refinance here is $105K, 75% smaller than the New York typical of $425K.

Investment property cash-out lenders in St. Lawrence County

LenderApprovalApprovedTaken upTypical loanLoans made
1Gouverneur Savings and Loan AssociationLimited sample100%4 / 4100%$105K4
2NBT Bank, National AssociationLimited sample67%2 / 3100%$65K2
3American Financing CorporationLimited sample33%1 / 3100%$85K1
4United Wholesale Mortgage, LLCBroker only100%2 / 2100%$345K2
5Northern Credit UnionLimited sample100%1 / 1100%$125K1

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 12 more lenders.

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