We analyzed every closed loan from Nicolet National Bank — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Multi-Region · 7 mkts
Awards
Conventional
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
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Report Card
Nicolet National Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+32.9 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 8 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,114 | 97.3% | +0.330%Above | $1,008Fees | ||||
Jumbo Loans | 31 | 2.7% | +0.288%Above | $1,126Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume1,114
Mix97.3%
Spread
+0.330%Above
Fees
$1,008Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume31
Mix2.7%
Spread
+0.288%Above
Fees
$1,126Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 976 | 85.2% | +0.326%Above | $1,068Fees | ||||
Refinance | 169 | 14.8% | +0.350%Above | $689Fees |
Purchase
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume976
Mix85.2%
Spread
+0.326%Above
Fees
$1,068Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume169
Mix14.8%
Spread
+0.350%Above
Fees
$689Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,145
Applications
1,341
Volume
$359 million
Pricing & Closing
Avg Rate Spread
+0.329%
vs. market APOR
Avg Net Fees
$1,011
Origination − Credits
Pullthrough Rate
85.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$314,354
Avg Borrower Income
$178,424
Avg Property Value
$459,777
Geographic Coverage
Geographic Performance
Metro Areas
7
markets with activity
States Served
17
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
17Northeast1
MA
Midwest7
ILINMIMNNEOHWI
South4
FLNCTXVA
West5
CACOORUTWA
Top Metro Areas by Place Specialization Score
Volume 274Mix 23.93% of portfolio
100/100
Exceptional
Volume 134Mix 11.70% of portfolio
80/100
Exceptional
Volume 79Mix 6.90% of portfolio
77/100
Strong
Volume 56Mix 4.89% of portfolio
68/100
Strong
Volume 36Mix 3.14% of portfolio
60/100
Sound
Volume 15Mix 1.31% of portfolio
48/100
Sound
Volume 12Mix 1.05% of portfolio
41/100
SoundTop States by Place Specialization Score
1
WisconsinState
Volume 931Mix 81.31% of portfolio
91/100
Exceptional2
MichiganState
Volume 172Mix 15.02% of portfolio
67/100
Strong3
MinnesotaState
Volume 10Mix 0.87% of portfolio
38/100
Acceptable4
FloridaState
Volume 13Mix 1.14% of portfolio
35/100
AcceptableHow 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.