Lender profile · HMDA 2023–2025
Lake Shore Bank mortgage approval rates & lending data
Lake Shore Bank decided 417 mortgage applications and funded 326 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.