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Nicolet National Bank
Bank|Green Bay, WI|Multi-Region
Loans Originated
1,145
Applications
1,341
Volume
$359 million
Offers loans directly to consumers
Overall Pricing
Sound
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Jumbo Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.329%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,011
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
85.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
Nicolet National Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Multi-Regional · 8 metro areas · 17 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$314,354
Average Borrower Income
$178,424
Average Property Value
$459,777
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Exceptional | 1,114 | 97.3% | +0.330% | $1,008 |
Jumbo Loans | Strong | Strong | Sound | Strong | 31 | 2.7% | +0.288% | $1,126 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Sound | Strong | 976 | 85.2% | +0.326% | $1,068 |
Refinance | Strong | Strong | Sound | Exceptional | 169 | 14.8% | +0.350% | $689 |
Geographic Coverage
Metro Areas
7
States Served
17
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
CACOFLILINMAMIMNNCNEOHORTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Green Bay, WI, WIMSA
Volume: 274Mix: 23.93%
Place Specialization
Exceptional
2
Appleton, WI, WIMSA
Volume: 134Mix: 11.70%
Place Specialization
Exceptional
3
Oshkosh, WIMSA
Volume: 79Mix: 6.90%
Place Specialization
Strong
4
Wausau, WI, WIMSA
Volume: 56Mix: 4.89%
Place Specialization
Strong
5
Eau Claire, WI, WIMSA
Volume: 36Mix: 3.14%
Place Specialization
Sound
6
Traverse City, MI, MIMSA
Volume: 15Mix: 1.31%
Place Specialization
Sound
7
Minneapolis, MN-WIMSA
Volume: 12Mix: 1.05%
Place Specialization
Sound
Top States by Place Specialization Score
1
WIState
Volume: 931Mix: 81.31%
Place Specialization
Exceptional
2
MIState
Volume: 172Mix: 15.02%
Place Specialization
Strong
3
MNState
Volume: 10Mix: 0.87%
Place Specialization
Acceptable
4
FLState
Volume: 13Mix: 1.14%
Place Specialization
Acceptable
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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