Lake Area Bank Mortgage Rates, Fees & Info

Lindstrom, MN

LEI: 549300SCFU7K14E0J331

Tax ID: 41-0531790

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Lake Area Bank is a smaller bank specializing in Home Purchase and Refi loans. Lake Area Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Minneapolis, St. Cloud, Des Moines, Duluth, and Brainerd among others. We have data for 63 markets. (Some data included below & more in-depth data is available with an active subscription.)

Lake Area Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Lake Area Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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Originations

2,825

Origination Dollar Volume (All Markets)

$692,035,000

Employee count

115

Awards

Lake Area Bank 30 Year Conventional Loans bronze

Show all (1) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	2,583	$630,365,000	$244,044	$4,637	2.67%
Outside of Metro Areas	67	$13,895,000	$207,388	$4,381	2.82%
ST. CLOUD, MN (FHA\|USDA\|VA)	36	$6,440,000	$178,889	$3,664	2.69%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	1	$4,685,000	$4,685,000	$0	3.90%
DULUTH, MN-WI (FHA\|USDA\|VA)	21	$4,655,000	$221,667	$3,581	2.75%
Brainerd, MN (FHA\|USDA\|VA)	9	$3,195,000	$355,000	$4,311	3.11%
Faribault-Northfield, MN (FHA\|USDA\|VA)	8	$2,480,000	$310,000	$5,705	2.41%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	6	$1,610,000	$268,333	$4,154	3.00%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	4	$1,460,000	$365,000	$4,824	2.94%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	3	$1,365,000	$455,000	$5,671	3.29%
ROCHESTER, MN (FHA\|USDA\|VA)	6	$1,360,000	$226,667	$4,498	3.02%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	3	$1,255,000	$418,333	$10,127	2.91%
Red Wing, MN (FHA\|USDA\|VA)	6	$1,030,000	$171,667	$4,124	2.04%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	3	$975,000	$325,000	$5,121	3.00%
Hutchinson, MN (FHA\|USDA\|VA)	6	$890,000	$148,333	$5,099	2.71%
Owatonna, MN (FHA\|USDA\|VA)	5	$885,000	$177,000	$5,044	3.05%
Heber, UT (FHA\|USDA\|VA)	1	$815,000	$815,000	$8,202	3.25%
JACKSONVILLE, FL (FHA\|USDA\|VA)	3	$745,000	$248,333	$4,875	2.96%
MANKATO, MN (FHA\|USDA\|VA)	4	$650,000	$162,500	$3,858	2.78%
BILLINGS, MT (FHA\|USDA\|VA)	1	$545,000	$545,000	$3,885	3.13%
Fergus Falls, MN (FHA\|USDA\|VA)	1	$545,000	$545,000	$11,042	2.99%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	1	$545,000	$545,000	$0	4.13%
PENSACOLA-FERRY PASS-BRENT, FL (FHA\|USDA\|VA)	1	$545,000	$545,000	$11,796	2.25%
Grand Rapids, MN (FHA\|USDA\|VA)	1	$505,000	$505,000	$3,885	3.00%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	2	$450,000	$225,000	$1,929	2.44%
SALT LAKE CITY, UT (FHA\|USDA\|VA)	1	$445,000	$445,000	$4,039	2.50%
CINCINNATI, OH-KY-IN (FHA\|USDA\|VA)	1	$445,000	$445,000	$4,459	2.25%
EAU CLAIRE, WI (FHA\|USDA\|VA)	1	$435,000	$435,000	$15,625	2.63%
MADISON, WI (FHA\|USDA\|VA)	1	$415,000	$415,000	$3,007	2.13%
Alexandria, MN (FHA\|USDA\|VA)	2	$410,000	$205,000	$4,332	3.38%
RENO, NV (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,210	2.75%
OGDEN-CLEARFIELD, UT (FHA\|USDA\|VA)	1	$405,000	$405,000	$3,580	2.88%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	1	$395,000	$395,000	$4,742	2.38%
FRESNO, CA (FHA\|USDA\|VA)	2	$370,000	$185,000	$2,836	3.13%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	1	$365,000	$365,000	$7,764	2.88%
GREEN BAY, WI (FHA\|USDA\|VA)	1	$345,000	$345,000	$2,525	3.25%
PUNTA GORDA, FL (FHA\|USDA\|VA)	1	$325,000	$325,000	$5,538	2.75%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	1	$305,000	$305,000	$4,922	3.00%
Beaver Dam, WI (FHA\|USDA\|VA)	1	$305,000	$305,000	$7,311	2.99%
Willmar, MN (FHA\|USDA\|VA)	2	$300,000	$150,000	$6,412	3.25%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,436	2.63%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	1	$295,000	$295,000	$3,856	3.63%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	2	$290,000	$145,000	$3,534	2.69%
Sebastian-Vero Beach, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$9,114	3.75%
ALBUQUERQUE, NM (FHA\|USDA\|VA)	1	$275,000	$275,000	$6,128	2.25%
CORPUS CHRISTI, TX (FHA\|USDA\|VA)	1	$275,000	$275,000	$12,042	2.63%
FORT COLLINS, CO (FHA\|USDA\|VA)	1	$275,000	$275,000	$2,426	2.25%
ANCHORAGE, AK (FHA\|USDA\|VA)	1	$265,000	$265,000	$3,338	2.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$245,000	$245,000	$6,237	3.25%
Menomonie, WI (FHA\|USDA\|VA)	1	$235,000	$235,000	$2,146	2.63%
PORT ST. LUCIE, FL (FHA\|USDA\|VA)	1	$185,000	$185,000	$3,957	3.25%
Worthington, MN (FHA\|USDA\|VA)	2	$180,000	$90,000	$4,016	1.50%
Austin, MN (FHA\|USDA\|VA)	1	$165,000	$165,000	$6,226	2.99%
Pahrump, NV (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,210	2.88%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,540	3.13%
TULSA, OK (FHA\|USDA\|VA)	1	$155,000	$155,000	$3,399	2.75%
Clinton, IA (FHA\|USDA\|VA)	1	$135,000	$135,000	$0	3.38%
Winona, MN (FHA\|USDA\|VA)	1	$115,000	$115,000	$0	3.49%
FARGO, ND-MN (FHA\|USDA\|VA)	1	$115,000	$115,000	$4,677	3.00%
CHAMPAIGN-URBANA, IL (FHA\|USDA\|VA)	1	$115,000	$115,000	$2,191	2.25%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	1	$105,000	$105,000	$4,425	2.50%
Albert Lea, MN (FHA\|USDA\|VA)	1	$85,000	$85,000	$4,837	3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$75,000	$75,000	$0	3.63%

Lake Area Bank's top markets include Minneapolis, St. Cloud, Des Moines, Duluth, and Brainerd among others.

Their top states include:

Minnesota (FHA|USDA|VA)

Wisconsin (FHA|USDA|VA)

Florida (FHA|USDA|VA)

Iowa (FHA|USDA|VA)

California (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Lake Area Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,376	$569,360,000	$239,630	$3,650	2.63%
FHA	409	$107,755,000	$263,460	$9,515	2.95%
VA	35	$13,625,000	$389,286	$8,795	2.80%
USDA	5	$1,295,000	$259,000	$5,961	2.78%

For 2021, Lake Area Bank's most frequently originated type of loan was Conventional, with 2,376 originations. Their 2nd most popular type was FHA, with 409 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	1,846	$447,870,000	$242,616	$5,173	2.56%
Refi	604	$154,140,000	$255,199	$3,489	2.78%
Cash Out Refi	335	$86,015,000	$256,761	$3,857	3.01%
Home Improvement	31	$1,705,000	$55,000	$869	3.73%
Other	9	$2,305,000	$256,111	$4,279	3.13%

For 2021, Lake Area Bank's most frequently cited loan purpose was Home Purchase, with 1,846 originations. The 2nd most popular reason was Refi, with 604 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	2,310	$567,210,000	$245,545	$4,890	2.62%
15 Year	194	$46,880,000	$241,649	$3,307	2.45%
10 Year	125	$9,725,000	$77,800	$431	3.32%
20 Year	105	$20,445,000	$194,714	$2,562	2.99%
30+ year	54	$33,750,000	$625,000	$10,944	3.06%
Other	25	$6,755,000	$270,200	$3,337	3.29%
5 Year	11	$6,975,000	$634,091	$0	4.07%
1 Year	1	$295,000	$295,000	$0	5.00%

For 2021, Lake Area Bank's most frequently cited loan duration was 30 Year, with 2,310 originations. The 2nd most popular length was 15 Year, with 194 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$1k-2k	1,366	$375,690,000	$275,029
$<1k	412	$8,260,000	$20,049
$3k-4k	362	$91,440,000	$252,597
$2k-3k	240	$52,820,000	$220,083
$4k-5k	165	$54,745,000	$331,788
$5k+	108	$65,460,000	$606,111

Lake Area Bank's average total fees were $4,890, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,366 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	1,291	$366,915,000	$284,210
3-4%	869	$224,655,000	$258,521
<2.5%	616	$89,750,000	$145,698
4-5%	49	$10,715,000	$218,673

During 2021, Lake Area Bank's average interest rate for loans was 2.62%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,291 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,477	$412,685,000	$279,408	$5,677	2.97%
$100k-200k	578	$93,420,000	$161,626	$4,011	2.92%
$100,000 or less	456	$10,980,000	$24,079	$417	1.21%
$400k-600k	257	$121,615,000	$473,210	$5,841	2.94%
$600k-1MM	45	$34,575,000	$768,333	$10,378	3.05%
$1MM+	12	$18,760,000	$1,563,333	$16,817	3.18%

2021 saw Lake Area Bank place emphasis on $200k-400k loans with 1,477 originations, totaling $412,685,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k-75k	840	$165,070,000	$196,512	$4,591	2.51%
$50k or less	552	$82,940,000	$150,254	$4,251	2.21%
$75k-100k	508	$123,970,000	$244,035	$4,673	2.84%
$100k-150k	462	$133,360,000	$288,658	$4,423	3.00%
$150k-250k	273	$103,275,000	$378,297	$5,201	2.90%
$250k+	128	$60,220,000	$470,469	$6,612	3.06%

Lake Area Bank lent most frequently to those with incomes in the $50k-75k range, with 840 originations. The second most popular income band? $50k or less, with 552 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	496	$132,700,000	$267,540	$4,033	2.84%
30-36%	449	$122,855,000	$273,619	$4,753	2.77%
43%	172	$34,850,000	$202,616	$4,366	2.47%
42%	154	$37,950,000	$246,429	$4,643	2.57%
<20%	151	$39,055,000	$258,642	$3,667	2.77%
41%	125	$28,185,000	$225,480	$5,132	2.80%
44%	118	$25,540,000	$216,441	$4,422	2.53%
39%	116	$25,060,000	$216,034	$4,398	2.59%
49%	115	$22,515,000	$195,783	$4,766	2.41%
45%	112	$25,520,000	$227,857	$4,637	2.50%
47%	106	$20,790,000	$196,132	$4,836	2.45%
46%	105	$22,925,000	$218,333	$5,183	2.51%
48%	104	$23,730,000	$228,173	$5,087	2.32%
40%	102	$24,200,000	$237,255	$4,460	2.54%
37%	94	$21,230,000	$225,851	$4,418	2.69%
36%	93	$21,295,000	$228,978	$3,938	2.82%
38%	89	$21,055,000	$236,573	$4,325	2.59%
50-60%	75	$21,585,000	$287,800	$9,714	2.72%

Lake Area Bank lent most frequently to those with DTI ratios of 20-30%, with 496 originations. The next most common DTI ratio? 30-36%, with 449 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	1,773	$442,565,000	$249,614	$4,549	2.72%
Not provided	527	$123,295,000	$233,956	$4,595	2.53%
Asian	247	$61,675,000	$249,696	$5,142	2.61%
Black	216	$42,030,000	$194,583	$4,698	2.50%
Not applicable	38	$16,690,000	$439,211	$0	4.06%
American Indian	21	$5,175,000	$246,429	$5,357	2.67%
Native Hawaiian or Islander	1	$365,000	$365,000	$3,752	3.25%
Asian Indian	2	$240,000	$120,000	$1,800	1.69%

Approval Rates

Total approvals of all applications
97.24%

Lake Area Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
89.17%

Lake Area Bank has an average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,825	$692,035,000	$244,968

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	2,825	$692,035,000	$244,968

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	73	$12,175,000	$166,781	$2,884	2.83%
40-60%	272	$64,050,000	$235,478	$3,431	2.74%
60-80%	791	$227,645,000	$287,794	$4,067	3.02%
80-100%	1,279	$377,795,000	$295,383	$6,589	2.98%
Over 100%	9	$3,735,000	$415,000	$13,507	2.94%
Under 20%	401	$6,635,000	$16,546	$196	0.96%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Lake Area Bank	12790 First Avenue North Lindstrom, MN 55045	Full Service B&M	$80,861
Lake Area Bank	1400 East Highway 96 White Bear Lake, MN 55110	Full Service B&M	$196,752
Lake Area Bank	14602 Everton Avenue North Hugo, MN 55038	Full Service B&M	$21,794
Lake Area Bank	5795 Morning Dove Avenue North Stillwater, MN 55082	Full Service B&M	$19,375
Lake Area Bank	808 W. Broadway, Suite D Forest Lake, MN 55025	Full Service B&M	$25,564

For 2021, Lake Area Bank had 5 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$16,077
Net interest income	$15,180
Total noninterest income	$26,746
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$458
Trading account gains and fees	$0
Additional Noninterest Income	$26,288
Pre-tax net operating income	$9,523
Securities gains (or losses, -)	$2,901
Income before extraordinary items	$12,424
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$12,424
Minority interest net income	$0
Net income	$12,424
Sale, conversion, retirement of capital stock, net	$0
Net operating income	$9,523

Lake Area Bank's gross interest income from loans was $16,077,000.
Lake Area Bank's net interest income from loans was $15,180,000.
Lake Area Bank's fee based income from loans was $458,000.
Lake Area Bank's net income from loans was $12,424,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$897
Provision for credit losses	$-150
Total noninterest expense	$32,553
Salaries and employee benefits	$21,571
Premises and equipment expense	$1,341
Additional noninterest expense	$9,641
Applicable income taxes	$0
Net charge-offs	$-65
Cash dividends	$4,786

Lake Area Bank's interest expense for loans was $897,000.
Lake Area Bank's payroll and benefits expense were $21,571,000.
Lake Area Bank's property, plant and equipment expenses $1,341,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	1.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$354,069
Deposits held in domestic offices	$354,069
Deposits by Individuals, partnerships, and corporations	$319,938
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$20,500
Deposits by Commercial banks and other depository institutions in U.S.	$13,631
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$38,383
Demand deposits	$20,696
Nontransaction accounts	$315,686
Money market deposit accounts (MMDAs)	$62,440
Other savings deposits (excluding MMDAs)	$204,159
Total time deposits	$49,087
Total time and savings deposits	$333,373
Noninterest-bearing deposits	$97,322
Interest-bearing deposits	$256,747
Retail deposits	$343,717
IRAs and Keogh plan accounts	$4,339
Brokered deposits	$1,988
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$423,563
Cash & Balances due from depository institutions	$77,353
Interest-bearing balances	$29,839
Total securities	$74,051
Federal funds sold & reverse repurchase	$2,140
Net loans and leases	$246,313
Loan and leases loss allowance	$2,870
Trading account assets	$0
Bank premises and fixed assets	$4,940
Other real estate owned	$1,613
Goodwill and other intangibles	$6,416
All other assets	$10,737

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$423,563
Total Liabilities	$369,084
Total deposits	$354,069
Interest-bearing deposits	$256,747
Deposits held in domestic offices	$354,069
% insured (estimated)	$78
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$9,000
Subordinated debt	$0
All other liabilities	$6,015

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$246,313
Loan and leases loss allowance	$2,870
Total loans and leases (domestic)	$249,183
All real estate loans	$215,971
Real estate loans in domestic offices	$215,971
Construction and development loans	$16,861
Residential 1-4 family construction	$16,861
Other construction, all land development and other land	$0
Loans secured by nonfarm nonresidential properties	$98,030
Nonfarm nonresidential secured by owner-occupied properties	$46,190
Commercial real estate & other non-farm, non-residential	$51,840
Multifamily residential real estate	$10,532
1-4 family residential loans	$90,312
Farmland loans	$236
Loans held in foreign offices	$0
Farm loans	$0
Commercial and industrial loans	$26,986
To non-U.S. addressees	$0
Loans to individuals	$698
Credit card loans	$0
Related Plans	$34
Consumer Auto Loans	$396
Other loans to individuals	$268
All other loans & leases	$5,528
Loans to foreign governments and official institutions	$0
Other loans	$0
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$1,030
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$5,582
Non 1-4 family restructured loans & leases	$5,577
Total loans and leases (foreign)	$0

Lake Area Bank had $246,313,000 of loans outstanding in 2021. $215,971,000 of loans were in real estate loans. $16,861,000 of loans were in development loans. $10,532,000 of loans were in multifamily mortgage loans. $90,312,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $396,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	121	$38,774	$320,446
Nonfarm, nonresidential loans - <$100k	4	$163	$40,750
Nonfarm, nonresidential loans - $100-250k	39	$5,003	$128,282
Nonfarm, nonresidential loans - $250k-1MM	78	$33,608	$430,872
Commercial & Industrial, US addressed loans - <$1MM	202	$21,174	$104,822
Commercial & Industrial, US addressed loans - <$100k	91	$2,107	$23,154
Commercial & Industrial, US addressed loans - $100-250k	64	$6,489	$101,391
Commercial & Industrial, US addressed loans - $250k-1MM	47	$12,578	$267,617
Farmland loans - <$1MM	5	$236	$47,200
Farmland loans - <$100k	4	$126	$31,500
Farmland loans - $100-250k	1	$110	$110,000