# Horicon Bank

> **Canonical URL:** https://saferate.com/lenders/horicon-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Horicon Bank is a bank, headquartered in Horicon, WI, serving borrowers across 2 states, with 197 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300GIXEN5875K5W17
- **Headquarters:** Horicon, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** IA, WI
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.010%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $206
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 197
- **Dollar Volume:** $55 million
- **Applications Received:** 243
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $280,787
- **Average Borrower Income:** $142,015
- **Average Property Value:** $413,883

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 193 | -0.010% | $206 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 155 loans, Score: 59/100 (Sound)
- Refinance: 38 loans, Score: 43/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 158 | $46M | -0.045% | Sound ☺️ |
| Refinance | 40/100 | 39 | $10M | +0.136% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 196 | 0.30% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 91 | 57/100 |
| Fond du Lac, WI | WI | 45 | 79/100 |
| Milwaukee | WI | 30 | 57/100 |
| Oshkosh | WI | 14 | 51/100 |
| Madison, WI | WI | 11 | 45/100 |

## Where This Lender Ranks

Horicon Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Fond du Lac, WI
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders)
- 🏆 **#5** in Fond du Lac, WI Banks
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/banks)
- 🏆 **#5** in Fond du Lac, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Fond du Lac, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Oshkosh for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in Wisconsin Banks
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks)
- 🏆 **#15** in Wisconsin for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Horicon Bank offer?

Horicon Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Horicon Bank offer mortgages?

Horicon Bank offers mortgages in 2 states: IA, WI.

### How competitive are Horicon Bank's mortgage rates?

Horicon Bank has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.010% below market average.

### What type of lender is Horicon Bank?

Horicon Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Horicon, WI.

### What is Horicon Bank's loan approval success rate?

Horicon Bank has a pull-through score of 60/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/horicon-bank

### How to Cite

> "Horicon Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/horicon-bank

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