State Bank of the Lakes, N.A.
State Bank of the Lakes, N.A. received 115 applications in 2025 and made 98 mortgages, in 41 counties across 13 states. The median rate its borrowers got was Not published on a median loan of $575,000. Of 104 decisions, 4 were denials — 3.9%, most often for insufficient cash.
| Legal Entity Identifier | 549300KX2KT8MOAS5Q71 |
|---|---|
| Applications received | 115 |
| Mortgages made | 98 |
| Denied | 4 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 11 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: State Bank of the Lakes, National Association, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 75 | Not published | $555,000 | 1.3% |
| Refinancing | 19 | Not published | $885,000 | 13.6% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where State Bank of the Lakes, N.A. lends most
The 41 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dane County, WI | 16 | Not published | 0.0% |
| Lake County, IL | 14 | Not published | 12.5% |
| Kenosha County, WI | 7 | Under 10 loans | 0.0% |
| McHenry County, IL | 6 | Under 10 loans | 0.0% |
| Waukesha County, WI | 6 | Under 10 loans | 0.0% |
| Walworth County, WI | 5 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 4 | Under 10 loans | 0.0% |
| Lake County, IN | 4 | Under 10 loans | 0.0% |
| Cook County, IL | 3 | Under 10 loans | 40.0% |
| Pima County, AZ | 2 | Under 10 loans | 0.0% |
| Flathead County, MT | 2 | Under 10 loans | 0.0% |
| Wake County, NC | 2 | Under 10 loans | 0.0% |
| King County, WA | 2 | Under 10 loans | 0.0% |
| Racine County, WI | 2 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Monterey County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 1 | Under 10 loans | 0.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| St. Johns County, FL | 1 | Under 10 loans | 0.0% |
| Kendall County, IL | 1 | Under 10 loans | 0.0% |
| Will County, IL | 1 | Under 10 loans | 0.0% |
| Vanderburgh County, IN | 1 | Under 10 loans | 0.0% |
| Madison County, IA | 1 | Under 10 loans | 0.0% |
| Warren County, IA | 1 | Under 10 loans | 0.0% |
| Wabasha County, MN | 1 | Under 10 loans | 0.0% |
| Washington County, MN | 1 | Under 10 loans | 0.0% |
| Lancaster County, NE | 1 | Under 10 loans | 0.0% |
| Burnett County, WI | 1 | Under 10 loans | 0.0% |
| Columbia County, WI | 1 | Under 10 loans | 0.0% |
| Dodge County, WI | 1 | Under 10 loans | 0.0% |
| Door County, WI | 1 | Under 10 loans | 0.0% |
| Oneida County, WI | 1 | Under 10 loans | 0.0% |
| Portage County, WI | 1 | Under 10 loans | 0.0% |
| Waushara County, WI | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 0 | Under 10 loans | Not published |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
| DuPage County, IL | 0 | Under 10 loans | 0.0% |
| Van Buren County, MI | 0 | Under 10 loans | Not published |
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When State Bank of the Lakes, N.A.’s figures are published for the next year, or restated.
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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.