LEI 549300FEBB5EMDXTC518 · Dunkirk, NY
Lake Shore Savings Bank
Denial sits in the upper fleet tercile at 21.3% across 188 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
Lake Shore Savings Bank posts a 21.3% denial rate, above the fleet's upper tercile (~13.79%) - across 188 applications with 120 originations. Leading cited denial reason: debt-to-income ratio. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 63.8%
- Origination share
- 120
- Originated
- 21.3%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
188reported applications
Where Lake Shore Savings Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
120 46th percentile higher than 46% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Lake Shore Savings Bank
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Lake Shore Savings Bank
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Lake Shore Savings Bank's 63.8% origination rate and 21.3% denial rate sit on a mid-tercile originated book (120 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Debt-to-income ratio, Credit history, Collateral. Program weight concentrates in Conventional (188 applications).
How to read Lake Shore Savings Bank. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Lake Shore Savings Bank
Lake Shore Savings Bank filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 188 | 120 | 40 | $192,234 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Lake Shore Savings Bank (LEI: 549300FEBB5EMDXTC518) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 68 | 46 | $302,353 |
| Home Improvement | 45 | 25 | $75,222 |
| Other | 36 | 22 | $113,333 |
| Refinancing | 22 | 17 | $140,000 |
| Cash-out Refinancing | 17 | 10 | $296,176 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 138 | 64.5% | 23.2% |
| Black or African American * | 5 | 20.0% | 40.0% |
| American Indian or Alaska Native * | 2 | 50.0% | 0.0% |
| Asian * | 2 | 50.0% | 50.0% |
| Joint * | 2 | 100.0% | 0.0% |
| Native Hawaiian or Other Pacific Islander * | 2 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 136 | 63.2% | 23.5% |
| Hispanic or Latino * | 9 | 44.4% | 22.2% |
| Joint * | 3 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in NY
Other HMDA-reporting lenders in NY with similar activity. Compare any two side-by-side.
One of 193 other HMDA-reporting lenders in NY, 5 are shown here.
Citibank, NA
New York, NY
M&T Bank
BUFFALO, NY
Loan Funder LLC
New York, NY
Bethpage Federal Credit Union
BETHPAGE, NY
Better Mortgage Corporation
New York, NY
Read with Lake Shore Savings Bank
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for Lake Shore Savings Bank (LEI 549300FEBB5EMDXTC518).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at Lake Shore Savings Bank.
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 Lake Shore Savings Bank 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.