Lake Shore Savings Bank in New York vs the state
21.1%Denial rate+1.30 pts vs state
23.4%Decision denial rate-0.66 pts vs state
68.4%Origination rate+8.83 pts vs state
—Median rate
—Rate spread (pts)
$92kMedian applicant income
117Loans originated
36Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 333 | 228 | 10.2% | — | #154 |
| 2024 | 188 | 120 | 21.3% | — | #208 |
| 2025 | 171 | 117 | 21.1% | — | #222 |
What Lake Shore Savings Bank lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Lake Shore Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Chautauqua County | 111 | 73 | 24 | 21.6% |
| Erie County | 50 | 36 | 11 | 22.0% |
| Niagara County | 5 | 5 | 0 | 0.0% |
| Cattaraugus County | 3 | 2 | 1 | 33.3% |
| Genesee County | 2 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 171 applications in 2025, of which 117 were originated and 36 denied.
21.1% of all applications, or 23.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Lake Shore Savings Bank's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology