What loan types does Lake City Bank offer?

Lake City Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Lake City Bank offer mortgages?

Lake City Bank offers mortgages in 7 states: AZ, CO, FL, IN, MI, OH, TN.

How competitive are Lake City Bank's mortgage rates?

Lake City Bank has an overall pricing score of 43.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Lake City Bank?

Lake City Bank is a Bank headquartered in Warsaw, IN.

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Lake City Bank

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

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

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

Lake City Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+24.4 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

152 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

Jumbo

10 loans · 0.08% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

125 loans · 0.25% above market

Sound

Top 60% of lenders

3/5

Refinance

37 loans · 0.23% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	152	93.8%	+0.249%Above	$1,340Fees
Jumbo Loans	Sound	Sound	—	—	10	6.2%	+0.083%Above	$1,005Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	125	77.2%	+0.248%Above	$1,319Fees
Refinance	Sound	Acceptable	Sound	Sound	37	22.8%	+0.233%Above	$1,355Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest3

INMIOH

South2

FLTN

West2

AZCO

Top Metro Areas by Place Specialization Score

Elkhart, INMetro

Volume 19Mix 11.73% of portfolio

57/100

Sound

Fort Wayne, INMetro

Volume 24Mix 14.81% of portfolio

56/100

Sound

Indianapolis, INMetro

Volume 16Mix 9.88% of portfolio

49/100

Sound

Top States by Place Specialization Score

IndianaState

Volume 152Mix 93.83% of portfolio

72/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.