What loan types does Lake Ridge Bank offer?

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

Where does Lake Ridge Bank offer mortgages?

Lake Ridge Bank offers mortgages in 1 states: WI.

How competitive are Lake Ridge Bank's mortgage rates?

Lake Ridge Bank has an overall pricing score of 82.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Lake Ridge Bank?

Lake Ridge Bank is a Bank headquartered in Monona, WI.

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Lake Ridge Bank

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Lake Ridge Bank has 240 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

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

Lake Ridge Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

+3.9 bps above market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

228 loans · 0.05% above market

Sound

Top 60% of lenders

3/5

Jumbo

12 loans · 0.15% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

205 loans · 0.03% above market

Sound

Top 60% of lenders

3/5

Refinance

35 loans · 0.10% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Single State · 3 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	Strong	Sound	Exceptional	Sound	228	95.0%	+0.049%Above	$492Fees
Jumbo Loans	Strong	Strong	—	—	12	5.0%	-0.154%Below	$156Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume228

Mix95.0%

Spread

+0.049%Above

Fees

$492Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume12

Mix5.0%

Spread

-0.154%Below

Fees

$156Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	205	85.4%	+0.028%Above	$434Fees
Refinance	Strong	Sound	Strong	Strong	35	14.6%	+0.102%Above	$723Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume205

Mix85.4%

Spread

+0.028%Above

Fees

$434Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Strong

Pull Through

Strong

Volume35

Mix14.6%

Spread

+0.102%Above

Fees

$723Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

240

Applications

320

Volume

$88 million

Pricing & Closing

Avg Rate Spread

+0.039%

vs. market APOR

Avg Net Fees

$475

Origination − Credits

Pullthrough Rate

75.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$367,417

Avg Borrower Income

$171,662

Avg Property Value

$557,833

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 200200+None

Midwest1

Top Metro Areas by Place Specialization Score

Madison, WIMetro

Volume 178Mix 74.17% of portfolio

81/100

Exceptional

Janesville, WIMetro

Volume 16Mix 6.67% of portfolio

53/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 240Mix 100.00% of portfolio

79/100

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.