# Ixonia Bank

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


Ixonia Bank is a bank, headquartered in Ixonia, WI, serving borrowers nationwide, with 6,331 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 83% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 22% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300T9P3WXNMXX0I34
- **Headquarters:** Ixonia, WI
- **Geographic Reach:** National
- **States Served:** 49
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.4%
- **Brokered/Wholesale:** 0.6%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 17/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.652%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,398
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,331
- **Dollar Volume:** $1.9 billion
- **Applications Received:** 8,781
- **Market Share:** 18.00%

## Typical Borrower Profile

- **Average Loan Amount:** $295,747
- **Average Borrower Income:** $119,002
- **Average Property Value:** $352,133

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 86/100 | 3,690 | +0.565% | $3,270 | Exceptional 🤩 |
| FHA | 89/100 | 1,996 | +0.981% | $3,706 | Exceptional 🤩 |
| VA | 83/100 | 452 | +0.020% | $3,412 | Exceptional 🤩 |
| Jumbo | 70/100 | 50 | +0.574% | $4,399 | Strong 😀 |
| USDA | 90/100 | 143 | +0.814% | $3,068 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,404 loans, Score: 86/100 (Exceptional)
- Refinance: 286 loans, Score: 68/100 (Strong)

**FHA:**
- Purchase: 1,869 loans, Score: 89/100 (Exceptional)
- Refinance: 127 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 378 loans, Score: 82/100 (Exceptional)
- Refinance: 74 loans, Score: 54/100 (Sound)

**Jumbo:**
- Purchase: 46 loans, Score: 72/100 (Strong)

**USDA:**
- Purchase: 143 loans, Score: 90/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 88/100 | 5,840 | $1.7B | +0.663% | Exceptional 🤩 |
| Refinance | 73/100 | 491 | $162M | +0.527% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 988 | 0.82% | 84/100 |
| OH | 890 | 0.66% | 80/100 |
| WI | 699 | 1.06% | 82/100 |
| FL | 578 | 0.20% | 70/100 |
| IL | 536 | 0.43% | 76/100 |
| CO | 482 | 0.58% | 75/100 |
| IN | 386 | 0.42% | 72/100 |
| TN | 269 | 0.30% | 70/100 |
| NC | 202 | 0.14% | 62/100 |
| TX | 182 | 0.05% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,124 | 77/100 |
| Youngstown | OH | 657 | 100/100 |
| Chicago | IL | 333 | 73/100 |
| Denver | CO | 330 | 75/100 |
| Lake County | IN | 225 | 88/100 |
| Milwaukee | WI | 215 | 75/100 |
| Scranton | PA | 204 | 86/100 |
| Nashville | TN | 197 | 73/100 |
| Allentown | PA-NJ | 165 | 81/100 |
| Orlando | FL | 135 | 66/100 |
| Charlotte | NC-SC | 134 | 67/100 |
| Minneapolis | MN-WI | 120 | 62/100 |
| North Port | FL | 92 | 69/100 |
| Cleveland, OH | OH | 89 | 63/100 |
| Pittsburgh, PA | PA | 87 | 64/100 |

## Where This Lender Ranks

Ixonia Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Youngstown for USDA Loans
  - [View Full Rankings](https://saferate.com/youngstown/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Cleveland, OH for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Kankakee, IL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kankakee-il/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Charlottesville, VA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Boulder, CO for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boulder-co/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Staunton for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Scranton for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/scranton/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Allentown for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Cleveland, OH for USDA Loans
  - [View Full Rankings](https://saferate.com/cleveland-oh/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Kankakee, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kankakee-il/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Charlottesville, VA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Wausau, WI for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Bloomington, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/bloomington-il/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Erie, PA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/erie-pa/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Appleton, WI for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Binghamton, NY for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/binghamton-ny/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Youngstown for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/youngstown/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Lake County for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Madison, WI for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/madison-wi/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Punta Gorda, FL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/punta-gorda-fl/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does Ixonia Bank offer?

Ixonia Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Ixonia Bank offer mortgages?

Ixonia Bank is a national lender offering mortgages in all 50 states plus Washington D.C.

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

Ixonia Bank has a pricing score of 17/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.652% above market average.

### What type of lender is Ixonia Bank?

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

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

Ixonia Bank has a pull-through score of 78/100 (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/ixonia-bank

### How to Cite

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

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