Lake Shore Bank
Lake Shore Bank reported 172 mortgage applications for 2025, according to the CFPB.
172 mortgage applications and 117 loans originated in 2025; the denial rate was 23.9% of 155 applications decided. Its RSSD in the 2023 reporter panel is 301574. From 2025, the CFPB’s Snapshot release.
The same RSSD is Lake Shore Bank’s: its bank page on the banks hub.
- 172
- Applications
- 117
- Loans originated
- 23.9%
- Denial rate
- 37 denied of 155 applications decided.
Every year it reported
2 more columns on a wider screen
| Year | Name that year | Applications |
|---|---|---|
| 2025 | Lake Shore Bank | 172 |
| 2024 | Lake Shore Savings Bank | 188 |
| 2023 | Lake Shore Savings Bank | 333 |
| 2022 | Lake Shore Savings Bank | 622 |
| 2021 | Lake Shore Savings Bank | 511 |
| 2020 | Lake Shore Savings Bank | 451 |
| 2019 | Lake Shore Savings Bank | 268 |
| 2018 | Lake Shore Savings Bank | 294 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 136 | 25.4% of 122 decided |
| Joint | under 10 | |
| Race Not Available | 27 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 132 | 24.6% of 118 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 27 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 56 | no rate: base under 50 |
| Female | 32 | no rate: base under 50 |
| Joint | 62 | 25.4% of 59 decided |
| Sex Not Available | 22 | no rate: base under 50 |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved