Lender profile · HMDA 2023–2025
Lake City Bank mortgage approval rates & lending data
Lake City Bank decided 1,489 mortgage applications and funded 1,260 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 223 / 236 | 89% | $235K | 199 |
| Home improvement loans | 86% | 25 / 29 | 92% | $115K | 23 |
| Cash-out refinance | 85% | 469 / 552 | 94% | $115K | 439 |
| Refinance | 95% | 518 / 548 | 94% | $55K | 489 |
| Investment property purchase | 94% | 46 / 49 | 100% | $285K | 46 |
| Investment refinance | 91% | 53 / 58 | 100% | $305K | 53 |
Lake City Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 90% | $115K | 1,461 | 1,234 |
| Florida | 100% | $425K | 13 | 13 |
| Michigan | 100% | $295K | 7 | 5 |
| Arizona | 100% | $955K | 3 | 3 |
| Colorado | 100% | $205K | 1 | 1 |
| Illinois | 100% | $15K | 1 | 1 |
| Ohio | 100% | $155K | 1 | 1 |
| Tennessee | 100% | $435K | 1 | 1 |
| Utah | 100% | $355K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.