Lake Central Bank
Lake Central Bank received 67 applications in 2025 and made 55 mortgages, in 12 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $285,000. Of 66 decisions, 3 were denials — 4.6%.
| Legal Entity Identifier | 549300YSKDQJCQKT0775 |
|---|---|
| Applications received | 67 |
| Mortgages made | 55 |
| Denied | 3 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Lake Central Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 36 | Not published | $320,000 | 0.0% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 15 | Not published | $85,000 | 5.9% |
Where Lake Central Bank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wright County, MN | 35 | Not published | 2.4% |
| Stearns County, MN | 10 | Not published | 7.7% |
| Swift County, MN | 3 | Under 10 loans | 0.0% |
| Aitkin County, MN | 1 | Under 10 loans | 0.0% |
| Benton County, MN | 1 | Under 10 loans | 0.0% |
| Meeker County, MN | 1 | Under 10 loans | 0.0% |
| Morrison County, MN | 1 | Under 10 loans | 0.0% |
| Pope County, MN | 1 | Under 10 loans | 0.0% |
| Sherburne County, MN | 1 | Under 10 loans | 0.0% |
| Todd County, MN | 1 | Under 10 loans | 0.0% |
| Dakota County, MN | 0 | Under 10 loans | 100.0% |
| Hennepin County, MN | 0 | Under 10 loans | Not published |
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When Lake Central Bank’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.