Applications / Mortgage Analytics / Lenders / New York / Lake Shore Bank / Fair lending
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
Lake Shore Bank did not receive enough applications from Black, Hispanic or Asian applicants in 2025 to compare its denial rates with those of similar lenders. A test needs, for that loan purpose, at least 100 decided applications from the group and from White applicants, with at least 20 of each turned down and 20 approved.
How this is calculated: the fair-lending method.
The data and the software behind these pages
Lake Shore Bank's data
$215
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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$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
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