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Lake City Bank

Bank•Warsaw, INHQ•Direct•Reviews near you on Google

Lake City Bank has 162 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional · Jumbo
Place
Sound
3/5
Multi-Region · 3 mkts

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Report Card

Lake City Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+24.4 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume152
Mix93.8%
Spread
+0.249%Above
Fees
$1,340Fees
Jumbo Loans
Overall
Sound
Product
Sound
Pricing—
Pull Through—
Volume10
Mix6.2%
Spread
+0.083%Above
Fees
$1,005Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume125
Mix77.2%
Spread
+0.248%Above
Fees
$1,319Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Sound
Volume37
Mix22.8%
Spread
+0.233%Above
Fees
$1,355Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
162
Applications
232
Volume
$49 million
Pricing & Closing
Avg Rate Spread
+0.244%
vs. market APOR
Avg Net Fees
$1,328
Origination − Credits
Pullthrough Rate
69.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$308,333
Avg Borrower Income
$189,204
Avg Property Value
$451,543

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
INMIOH
South2
FLTN
West2
AZCO

Top Metro Areas by Place Specialization Score

1© OceanGunfish · CC BY 4.0
Elkhart, INMetro
Volume 19Mix 11.73% of portfolio
57/100
Sound
2© WeaponizingArchitecture · CC BY-SA 4.0
Fort Wayne, INMetro
Volume 24Mix 14.81% of portfolio
56/100
Sound
3© TheWxResearcher · CC0
Indianapolis, INMetro
Volume 16Mix 9.88% of portfolio
49/100
Sound

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 152Mix 93.83% of portfolio
72/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.