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Horicon Bank

Bank•Horicon, WIHQ•Direct•Reviews near you on Google

Horicon Bank has 197 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
Conventional
Place
Sound
3/5
Regional · 4 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 1.00 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Horicon Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 1.0 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume193
Mix98.0%
Spread
-0.010%Below
Fees
$206Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume158
Mix80.2%
Spread
-0.045%Below
Fees
$156Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume39
Mix19.8%
Spread
+0.136%Above
Fees
$419Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
197
Applications
243
Volume
$55 million
Pricing & Closing
Avg Rate Spread
-0.010%
vs. market APOR
Avg Net Fees
$206
Origination − Credits
Pullthrough Rate
81.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$280,787
Avg Borrower Income
$142,015
Avg Property Value
$413,883

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest2
IAWI

Top Metro Areas by Place Specialization Score

1© David Wilson · CC BY 2.0
Fond du Lac, WIMetro
Volume 45Mix 22.84% of portfolio
79/100
Strong
2© Steve · CC BY-SA 2.0
Milwaukee, WIMetro
Volume 30Mix 15.23% of portfolio
57/100
Sound
3© self · CC BY-SA 2.5
Oshkosh, WIMetro
Volume 14Mix 7.11% of portfolio
51/100
Sound
4© Alex Cohn · CC BY-SA 4.0
Madison, WIMetro
Volume 11Mix 5.58% of portfolio
45/100
Sound

Top States by Place Specialization Score

Wisconsin
Wisconsin
1
WisconsinState
Volume 196Mix 99.49% of portfolio
77/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.