Lake Elmo Bank
Lake Elmo Bank received 145 applications in 2025 and made 136 mortgages, in 18 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $265,000. Of 145 decisions, 5 were denials — 3.5%. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300B934MYWT57IX38 |
|---|---|
| Applications received | 145 |
| Mortgages made | 136 |
| Denied | 5 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 0 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Lake Elmo Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 85 | Not published | $305,000 | 2.2% |
| Refinancing | 26 | Not published | $265,000 | 0.0% |
| Other purposes | 25 | Not published | $55,000 | 10.7% |
Where Lake Elmo Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, MN | 73 | Not published | 4.0% |
| Ramsey County, MN | 19 | Not published | 4.8% |
| St. Croix County, WI | 11 | Not published | 0.0% |
| Dakota County, MN | 8 | Under 10 loans | 0.0% |
| Hennepin County, MN | 7 | Under 10 loans | 0.0% |
| Anoka County, MN | 4 | Under 10 loans | 0.0% |
| Polk County, WI | 4 | Under 10 loans | 0.0% |
| Carver County, MN | 1 | Under 10 loans | 0.0% |
| Chisago County, MN | 1 | Under 10 loans | 0.0% |
| Crow Wing County, MN | 1 | Under 10 loans | 0.0% |
| Isanti County, MN | 1 | Under 10 loans | 0.0% |
| Mille Lacs County, MN | 1 | Under 10 loans | 0.0% |
| Rice County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Scott County, MN | 1 | Under 10 loans | 50.0% |
| Steele County, MN | 1 | Under 10 loans | 0.0% |
| Wright County, MN | 1 | Under 10 loans | 0.0% |
| Goodhue County, MN | 0 | Under 10 loans | 0.0% |
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When Lake Elmo 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.