Lake Ridge Bank
Lake Ridge Bank received 886 applications in 2025 and made 705 mortgages, in 34 counties across 1 state. The median rate its borrowers got was 5.490% on a median loan of $190,000. Of 779 decisions, 58 were denials — 7.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DZ25WXQZZ57J48 |
|---|---|
| Applications received | 886 |
| Mortgages made | 705 |
| Denied | 58 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 107 |
| Loans bought from other lenders | 10 |
| Median rate spread over the prime offer rate | -1.59 points |
| FDIC-insured bank | Yes: Lake Ridge Bank, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 289 | 6.500% | $325,000 | 3.3% |
| Refinancing | 171 | 5.490% | $155,000 | 8.8% |
| Cash-out refinancing | 17 | 6.500% | $215,000 | 37.9% |
| Other purposes | 228 | 5.490% | $65,000 | 7.9% |
Where Lake Ridge Bank lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Dane County, WI | 501 | 5.490% | 6.8% |
| Rock County, WI | 61 | 5.490% | 6.1% |
| Green County, WI | 36 | 5.490% | 12.2% |
| Sauk County, WI | 34 | 6.375% | 8.1% |
| Columbia County, WI | 19 | 6.000% | 5.0% |
| Iowa County, WI | 12 | 5.875% | 22.7% |
| Jefferson County, WI | 5 | Under 10 loans | 16.7% |
| Lafayette County, WI | 3 | Under 10 loans | 0.0% |
| Marquette County, WI | 3 | Under 10 loans | 0.0% |
| Dodge County, WI | 2 | Under 10 loans | 33.3% |
| Eau Claire County, WI | 2 | Under 10 loans | 0.0% |
| Green Lake County, WI | 2 | Under 10 loans | 0.0% |
| Jackson County, WI | 2 | Under 10 loans | 0.0% |
| Juneau County, WI | 2 | Under 10 loans | 0.0% |
| Oneida County, WI | 2 | Under 10 loans | 0.0% |
| Portage County, WI | 2 | Under 10 loans | 0.0% |
| Vilas County, WI | 2 | Under 10 loans | 0.0% |
| Waukesha County, WI | 2 | Under 10 loans | 33.3% |
| Barron County, WI | 1 | Under 10 loans | 0.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 0.0% |
| Door County, WI | 1 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 1 | Under 10 loans | 0.0% |
| Grant County, WI | 1 | Under 10 loans | 0.0% |
| Kenosha County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Monroe County, WI | 1 | Under 10 loans | 0.0% |
| Pepin County, WI | 1 | Under 10 loans | 0.0% |
| Richland County, WI | 1 | Under 10 loans | 0.0% |
| Waushara County, WI | 1 | Under 10 loans | 0.0% |
| Winnebago County, WI | 1 | Under 10 loans | 0.0% |
| Adams County, WI | 0 | Under 10 loans | Not published |
| Lincoln County, WI | 0 | Under 10 loans | Not published |
| Manitowoc County, WI | 0 | Under 10 loans | Not published |
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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.