# Nicolet National Bank

> **Canonical URL:** https://saferate.com/lenders/nicolet-national-bank

> **📋 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 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| Jumbo | 72/100 | 31 | +0.288% | $1,126 | Strong 😀 |

### 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 😀 |
| Refinance | 71/100 | 169 | $46M | +0.350% | Strong 😀 |

## 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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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