Lake Shore Savings Bank
Lake Shore Savings Bank received 172 applications in 2025 and made 117 mortgages, in 6 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 155 decisions, 37 were denials — 23.9%, most often for credit history.
| Legal Entity Identifier | 549300FEBB5EMDXTC518 |
|---|---|
| Applications received | 172 |
| Mortgages made | 117 |
| Denied | 37 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 40 | Not published | $170,000 | 19.6% |
| Refinancing | 24 | Not published | $110,000 | 20.0% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Other purposes | 45 | Not published | $65,000 | 29.7% |
Where Lake Shore Savings Bank lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chautauqua County, NY | 73 | Not published | 24.5% |
| Erie County, NY | 36 | Not published | 23.4% |
| Niagara County, NY | 5 | Under 10 loans | 0.0% |
| Cattaraugus County, NY | 2 | Under 10 loans | 33.3% |
| Genesee County, NY | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 0 | Under 10 loans | 100.0% |
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When Lake Shore Savings Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.