Lake City Bank
Lake City Bank received 2,429 applications in 2025 and made 1,870 mortgages, in 58 counties across 8 states. The median rate its borrowers got was 7.750% on a median loan of $95,000. Of 2,272 decisions, 282 were denials — 12.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 8Q77SW3KZ88P3GNX0T60 |
|---|---|
| Applications received | 2,429 |
| Mortgages made | 1,870 |
| Denied | 282 |
| Approved, not taken up | 120 |
| Withdrawn or incomplete | 157 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.46 points |
| FDIC-insured bank | Yes: Lake City Bank, 58 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 205 | 6.750% | $205,000 | 7.1% |
| Refinancing | 539 | 7.750% | $65,000 | 4.2% |
| Cash-out refinancing | 412 | 7.750% | $125,000 | 12.8% |
| Other purposes | 714 | 7.750% | $75,000 | 18.8% |
Where Lake City Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Kosciusko County, IN | 434 | 7.750% | 10.8% |
| Elkhart County, IN | 319 | 7.750% | 11.6% |
| Allen County, IN | 185 | 7.750% | 10.1% |
| Marshall County, IN | 136 | 7.750% | 12.1% |
| Noble County, IN | 125 | 7.750% | 9.9% |
| St. Joseph County, IN | 113 | 7.750% | 14.4% |
| Hamilton County, IN | 88 | 7.750% | 16.4% |
| LaGrange County, IN | 78 | 7.750% | 12.1% |
| Fulton County, IN | 56 | 7.750% | 16.2% |
| Marion County, IN | 53 | 7.750% | 20.3% |
| Whitley County, IN | 47 | 7.750% | 16.1% |
| DeKalb County, IN | 30 | 7.750% | 3.1% |
| Cass County, MI | 25 | 7.750% | 10.3% |
| Wabash County, IN | 22 | 7.375% | 8.3% |
| Huntington County, IN | 17 | 7.500% | 15.0% |
| Johnson County, IN | 17 | 7.750% | 14.3% |
| Boone County, IN | 16 | 7.750% | 11.1% |
| Pulaski County, IN | 12 | 7.750% | 25.0% |
| Steuben County, IN | 11 | 7.500% | 25.0% |
| Hancock County, IN | 9 | Under 10 loans | 9.1% |
| Miami County, IN | 9 | Under 10 loans | 33.3% |
| St. Joseph County, MI | 9 | Under 10 loans | 10.0% |
| Hendricks County, IN | 7 | Under 10 loans | 11.1% |
| Sarasota County, FL | 6 | Under 10 loans | 0.0% |
| Madison County, IN | 4 | Under 10 loans | 42.9% |
| Starke County, IN | 4 | Under 10 loans | 0.0% |
| Jasper County, IN | 3 | Under 10 loans | 25.0% |
| Porter County, IN | 3 | Under 10 loans | 0.0% |
| Adams County, IN | 2 | Under 10 loans | 0.0% |
| Grant County, IN | 2 | Under 10 loans | 0.0% |
| Wells County, IN | 2 | Under 10 loans | 33.3% |
| Berrien County, MI | 2 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Van Buren County, MI | 2 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Cass County, IN | 1 | Under 10 loans | 0.0% |
| Delaware County, IN | 1 | Under 10 loans | 0.0% |
| Howard County, IN | 1 | Under 10 loans | 0.0% |
| Lake County, IN | 1 | Under 10 loans | 0.0% |
| LaPorte County, IN | 1 | Under 10 loans | 0.0% |
| Monroe County, IN | 1 | Under 10 loans | 0.0% |
| Montgomery County, IN | 1 | Under 10 loans | 0.0% |
| Putnam County, IN | 1 | Under 10 loans | 0.0% |
| Tipton County, IN | 1 | Under 10 loans | 0.0% |
| Allegan County, MI | 1 | Under 10 loans | 0.0% |
| Branch County, MI | 1 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 1 | Under 10 loans | 0.0% |
| Ingham County, MI | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.