Lake Forest Bank & Trust Company, N.A.
Lake Forest Bank & Trust Company, N.A. received 176 applications in 2025 and made 155 mortgages, in 45 counties across 17 states. The median rate its borrowers got was Not published on a median loan of $985,000. Of 159 decisions, 4 were denials — 2.5%, most often for collateral.
| Legal Entity Identifier | 5493004MWCDBCBTXE044 |
|---|---|
| Applications received | 176 |
| Mortgages made | 155 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 17 |
| Loans bought from other lenders | 17 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Lake Forest Bank & Trust Company, National Association, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 88 | Not published | $1,025,000 | 3.3% |
| Refinancing | 58 | Not published | $895,000 | 1.7% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 4 | Under 10 loans | Under 10 loans | 0.0% |
Where Lake Forest Bank & Trust Company, N.A. lends most
The 45 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lake County, IL | 40 | Not published | 0.0% |
| Cook County, IL | 35 | Not published | 0.0% |
| Collier County, FL | 17 | Not published | 5.6% |
| Orange County, CA | 6 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 5 | Under 10 loans | 16.7% |
| Hennepin County, MN | 4 | Under 10 loans | 0.0% |
| Alameda County, CA | 3 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 3 | Under 10 loans | 0.0% |
| Flathead County, MT | 3 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 2 | Under 10 loans | 0.0% |
| Riverside County, CA | 2 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 2 | Under 10 loans | 0.0% |
| San Mateo County, CA | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 0.0% |
| Williamson County, TN | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Placer County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| El Paso County, CO | 1 | Under 10 loans | 0.0% |
| Indian River County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Monroe County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Steuben County, IN | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Washtenaw County, MI | 1 | Under 10 loans | 0.0% |
| Ramsey County, MN | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 0.0% |
| Missoula County, MT | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 0.0% |
| Wasatch County, UT | 1 | Under 10 loans | 0.0% |
| King County, WA | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 1 | Under 10 loans | 0.0% |
| Door County, WI | 1 | Under 10 loans | 0.0% |
| Menominee County, WI | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 0 | Under 10 loans | 100.0% |
| Palm Beach County, FL | 0 | Under 10 loans | Not published |
| Polk County, IA | 0 | Under 10 loans | 100.0% |
| Prince George's County, MD | 0 | Under 10 loans | Not published |
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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.