Lake Shore Bank mortgage approval rate & lending review
Lake Shore Bank decided 417 mortgage applications and funded 326 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Lake Shore Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Lake Shore Bank at a glance
Approval is 5.5 points above the 76.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 86% | 95 / 110 | 98% | $125K | 93 |
| Home improvement loans | 76% | 81 / 107 | 96% | $55K | 78 |
| Refinance | 86% | 81 / 94 | 99% | $105K | 80 |
| Investment property purchase | 89% | 50 / 56 | 88% | $85K | 44 |
Lake Shore Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 82% | $105K | 417 | 326 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Lake Shore Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Chautauqua County, NY | Mortgage lenders | 88% | 99 | 85 |
| Chautauqua County, NY | Home improvement loans | 77% | 62 | 46 |
| Chautauqua County, NY | Refinance | 84% | 55 | 46 |
| Chautauqua County, NY | Investment property purchase | 89% | 47 | 36 |
| Erie County, NY | Refinance | 89% | 37 | 32 |
| Erie County, NY | Home improvement loans | 73% | 44 | 31 |
The county markets where Lake Shore Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Lake Shore Bank
What is Lake Shore Bank's mortgage approval rate?
Lake Shore Bank approved 81.8% of the 417 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.5 points above the 76.3% national rate for the same mix of loan types.
How often do borrowers take the loan Lake Shore Bank offers?
Borrowers accepted 96% of the loans Lake Shore Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Lake Shore Bank make?
The typical home purchase mortgage loan Lake Shore Bank made was $125K; across all loan types its typical loan ran from $55K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Lake Shore Bank lend?
Lake Shore Bank decided applications in 1 of the states Fat Boy Data covers, most of them in New York.
Can I apply to Lake Shore Bank directly?
Yes. Lake Shore Bank is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Lake Shore Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Lake Shore Bank treats applications, then get a rate quote from the lender.