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Unclaimed

Horicon Bank

Bank•Horicon, WI•Direct to Consumer

Horicon Bank has 197 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Strong
closing strength
Products
Sound
Conventional
Place
Sound
Regional · 4 mkts
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar

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Safe Rate's Summary

What They Do Well

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

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Report Card

Horicon Bank performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
Rates 1.0 bps below market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Regional5 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Exceptional
Strong
19398.0%
-0.010%Below
$206Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Sound
Exceptional
Strong
15880.2%
-0.045%Below
$156Fees
Refinance
Sound
Sound
Strong
Sound
3919.8%
+0.136%Above
$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
States Served
2
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

IAWI

Top Metro Areas by Place Specialization Score

1
Fond du Lac, WI, WIMSA
Volume: 45Mix: 22.84%of portfolio
Place
Strong
2
Milwaukee, WIMSA
Volume: 30Mix: 15.23%of portfolio
Place
Sound
3
Oshkosh, WIMSA
Volume: 14Mix: 7.11%of portfolio
Place
Sound
4
Madison, WI, WIMSA
Volume: 11Mix: 5.58%of portfolio
Place
Sound

Top States by Place Specialization Score

1
WIState
Volume: 196Mix: 99.49%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.