# Nicolet National Bank > **Canonical URL:** https://saferate.com/lenders/nicolet-national-bank > **πŸ“‹ 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 Nicolet National Bank is a bank, headquartered in Green Bay, WI, serving borrowers across 17 states, with 1,145 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 44% of lenders for competitive rates - **Approval Rate:** Ranks in the top 22% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 38CFVD4YYFWD1FV7IM34 - **Headquarters:** Green Bay, WI - **Geographic Reach:** Multi-Region - **States Served:** 17 - **State List:** CA, CO, FL, IL, IN, MA, MI, MN, NC, NE, OH, OR, TX, UT, VA, WA, WI - **Markets (MSAs):** 8 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Sound ☺️ - Score: 56/100 - Rating: ●●●○○ (3/5) ### Pull Through: Strong πŸ˜€ - Score: 78/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** +0.329% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $1,011 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 1,145 - **Dollar Volume:** $360 million - **Applications Received:** 1,341 - **Market Share:** 3.00% ## Typical Borrower Profile - **Average Loan Amount:** $314,354 - **Average Borrower Income:** $178,424 - **Average Property Value:** $459,777 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (70%) - ⭐ **Jumbo Gold Superstar** (63%) - ⭐ **Purchase Gold Superstar** (63%) - ⭐ **Refinance Gold Superstar** (70%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 79/100 | 1,114 | +0.330% | $1,008 | Strong πŸ˜€ | | Jumbo | 72/100 | 31 | +0.288% | $1,126 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 946 loans, Score: 78/100 (Strong) - Refinance: 168 loans, Score: 72/100 (Strong) **Jumbo:** - Purchase: 30 loans, Score: 73/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 77/100 | 976 | $313M | +0.326% | Strong πŸ˜€ | | Refinance | 71/100 | 169 | $46M | +0.350% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | WI | 931 | 1.41% | 91/100 | | MI | 172 | 0.15% | 67/100 | | FL | 13 | 0.00% | 35/100 | | MN | 10 | 0.02% | 38/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Non | | 478 | 74/100 | | Green Bay, WI | WI | 274 | 100/100 | | Appleton, WI | WI | 134 | 80/100 | | Oshkosh | WI | 79 | 77/100 | | Wausau, WI | WI | 56 | 68/100 | | Eau Claire, WI | WI | 36 | 60/100 | | Traverse City, MI | MI | 15 | 48/100 | | Minneapolis | MN-WI | 12 | 41/100 | ## Where This Lender Ranks Nicolet National Bank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯‡ **#1** in Green Bay, WI for Jumbo Loans - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/jumbo-loans) - πŸ₯‡ **#1** in Green Bay, WI for Jumbo Loans (Banks) - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks/jumbo-loans) - πŸ₯‰ **#3** in Oshkosh Banks - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/banks) - πŸ† **#4** in Appleton, WI for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#4** in Wausau, WI Banks - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/banks) - πŸ† **#4** in Wausau, WI for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#4** in Eau Claire, WI Banks - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/banks) - πŸ† **#4** in Eau Claire, WI for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Green Bay, WI Banks - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks) - πŸ† **#5** in Green Bay, WI for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Appleton, WI Banks - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/banks) - πŸ† **#5** in Wausau, WI - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders) - πŸ† **#6** in Oshkosh for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/oshkosh/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#6** in Eau Claire, WI for Conventional Loans - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders/conventional-loans) - πŸ† **#7** in Wausau, WI for Conventional Loans - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/conventional-loans) - πŸ† **#7** in Eau Claire, WI - [View Full Rankings](https://saferate.com/eau-claire-wi/best-mortgage-lenders) - πŸ† **#7** in Traverse City, MI for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/traverse-city-mi/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#8** in Appleton, WI for Conventional Loans - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/conventional-loans) - πŸ† **#9** in Green Bay, WI for Conventional Loans - [View Full Rankings](https://saferate.com/green-bay-wi/best-mortgage-lenders/conventional-loans) - πŸ† **#9** in Appleton, WI - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders) ## Frequently Asked Questions ### What loan types does Nicolet National Bank offer? Nicolet National Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Nicolet National Bank offer mortgages? Nicolet National Bank offers mortgages in 17 states: CA, CO, FL, IL, IN, MA, MI, MN, NC, NE, OH, OR, TX, UT, VA, WA, WI. ### How competitive are Nicolet National Bank's mortgage rates? Nicolet National Bank has a pricing score of 56/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.329% above market average. ### What type of lender is Nicolet National Bank? Nicolet National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Green Bay, WI. ### What is Nicolet National Bank's loan approval success rate? Nicolet National 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. --- ## 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/nicolet-national-bank ### How to Cite > "Nicolet National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/nicolet-national-bank --- **[View Interactive Profile β†’](https://saferate.com/lenders/nicolet-national-bank)**