Applications / Mortgage Analytics / Lenders / New York / Lake Shore Bank
Dunkirk, NY · State non-member bank · FDIC · $728 million assets · 117 loans in 2025
Lake Shore Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
117
loans originated, 2025
172
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lake Shore Bank splits its lending almost evenly among home purchase, home improvement and refinancing, and its loans are smaller than at most similar banks.
Purchases made up 34.2% of its loans, home improvement 29.9% and refinancing 27.4%, all conventional. Its typical loan was $105,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), lower than about nine in ten. The large home-improvement share could account for much of that.
It made 117 loans, 2% fewer than in 2024, while similar lenders grew 9% and the whole market 10%. It made 484 in 2022. That year may have held more refinancing, or demand in its five counties may have changed.
Low- and moderate-income (LMI) neighborhoods took 21.7% of its loans, against 18.1% at similar lenders, higher than nearly two-thirds of them, and up from 13.2% in 2020. LMI borrowers took 27.2%, near the middle of its peers.
In Buffalo-Cheektowaga, where it has lent since 1992, it ranked 39 of 267 lenders with 0.4% of the market, unchanged from 2024. United Wholesale Mortgage and M&T Bank led that market. In 2025 it changed its charter and its name, from Lake Shore Savings Bank.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lake Shore Bank took 172 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.2% · Home improvement 29.9% · Refinance 27.4% · Other 8.5%
Conventional 100.0% · of 117 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 117 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Buffalo-Cheektowaga | 41 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FEBB5EMDXTC518 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 301574 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45506 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1705506 | 2011–2017 |
Established 1 January 1891. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Lake Shore Bank's data.
Lake Shore Bank's data
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Lake Shore Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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