Lenders › Lake Shore Savings Bank › New York
Lake Shore Savings Bank in New York
HMDA record for properties in New York, calendar year 2024. National record · New York overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In New York, Lake Shore Savings Bank reported 188 applications and 120 originations for 2024, $27m in all.
Its denial rate in the state was 24.1%, close to the New York rate of 25.4% across all lenders and compared with the lender's national rate of 24.1%.
Applications in the state were down 44% on 2023.
Compared with the state and the lender's national record
| Measure | In New York | New York, all lenders | Lake Shore Savings Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 24.1% | 25.4% | 24.1% | 24.3% |
| Median rate spread, pp | — | 0.3 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.0% | — | 15.6% |
| Average originated loan | $223k | $446k | $223k | $329k |
| Home purchase share | 38.3% | 55.3% | 38.3% | 57.0% |
| FHA-insured share | 0.0% | 7.4% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 2.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew York, all lenders
Loan purpose and loan type in New York
By purpose
Home purchase 38% (46)Home improvement 21% (25)Refinancing 14% (17)Cash-out refinancing 8% (10)Other purpose 18% (22)
By type
Conventional 100% (120)
Denial reasons as coded
Share of 40 denials in New York by first denial reason coded (outlined bar: all lenders in the state).
Counties in New York
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Chautauqua County | 114 | 76 | $9.8m | 21.4% |
| Erie County | 69 | 41 | $17m | 28.8% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Lake Shore Savings Bank originate in New York in 2024?
120 loans totalling $27m, from 188 applications reported for properties in New York.
What is Lake Shore Savings Bank's denial rate in New York?
24.1% of decided applications in New York were denied, against 25.4% for all lenders in the state and 24.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New York counties does Lake Shore Savings Bank lend in most?
By originations: Chautauqua County (76), Erie County (41).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New York. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.