Mortgage lending in St. Lawrence County
898 mortgages were originated in St. Lawrence County, New York, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 898
- Median rate
- 6.750%
- Median lender fees
- $3,714
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $115,000
- Above the going rate (spread over APOR)
- 0.410
- Paid discount points
- 30.7%
- Received lender credits
- 25.4%
- Purchases / refinances
- 57% / 21.4%
- Conventional / FHA / VA
- 82.5% / 7.5% / 9.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 78.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $125,000
- That home, 20% down
- $100,000
A median-priced home with 20% down leaves $732,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in St. Lawrence County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Community Bank, National Association | 184 | — | 7.000% |
| Northern Credit Union | 122 | $840 | 6.624% |
| Rocket Mortgage, LLC | 100 | $5,881 | 6.990% |
| Gouverneur Savings and Loan Association | 87 | $1,610 | 6.500% |
| Movement Mortgage, LLC | 60 | $5,697 | 6.625% |
| NBT Bank, National Association | 54 | — | 5.740% |
What lenders charged here
Lender fees on a $115,000 loan, based on what was actually charged in St. Lawrence County — not a rule of thumb.
From 702 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers