Lender profile
Lake Shore Bank
Lender Live rate observations
Lake Shore Bank at a glance
Lake Shore Bank is a lender based in New York. LoanMate.ai tracks 5 published loan products from Lake Shore Bank (5 rate listings), last verified 2026-10-17. Its lowest published rate today is 7.125% on 10-year fixed. Its 30-year fixed rate of 7.75% is 0.75 points above the national median of 7% (across 233 lenders publishing that product). Lake Shore Bank lends in New York only.
Purchase mortgage (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 10FP | 7.125 | 7.465 | — | $500 lock-in fee if rate locked | 2026-10-17 | Lender source ↗ |
| 15FP | 7.250 | 7.494 | — | $500 lock-in fee if rate locked | 2026-10-17 | Lender source ↗ |
| 20FP | 7.500 | 7.698 | — | $500 lock-in fee if rate locked | 2026-10-17 | Lender source ↗ |
| 30FP | 7.750 | 7.906 | — | $500 lock-in fee if rate locked | 2026-10-17 | Lender source ↗ |
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 7.25 | — | — | 2026-10-17 | Lender source ↗ |
How Lake Shore Bank compares
Compare all purchase mortgage rates · Compare all heloc rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Lake Shore Bank?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Lake Shore Bank is 7.125% on its 10-year fixed. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Lake Shore Bank lend?
Lake Shore Bank lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Lake Shore Bank's 30-year fixed rate compare nationally?
Lake Shore Bank publishes 30-year fixed at 7.75%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Lake Shore Bank is 0.75 points above the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.