What loan types does Horicon Bank offer?

Horicon Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Horicon Bank offer mortgages?

Horicon Bank offers mortgages in 2 states: IA, WI.

How competitive are Horicon Bank's mortgage rates?

Horicon Bank has an overall pricing score of 91/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Horicon Bank?

Horicon Bank is a Bank headquartered in Horicon, WI.

Unclaimed

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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

Purchase

Superstar

Refinance

Superstar

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

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

193 loans · 0.01% below market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

158 loans · 0.04% below market

Sound

Top 60% of lenders

3/5

Refinance

39 loans · 0.14% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Strong	193	98.0%	-0.010%Below	$206Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Strong	158	80.2%	-0.045%Below	$156Fees
Refinance	Sound	Sound	Strong	Sound	39	19.8%	+0.136%Above	$419Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest2

IAWI

Top Metro Areas by Place Specialization Score

Fond du Lac, WIMetro

Volume 45Mix 22.84% of portfolio

79/100

Strong

Milwaukee, WIMetro

Volume 30Mix 15.23% of portfolio

57/100

Sound

Oshkosh, WIMetro

Volume 14Mix 7.11% of portfolio

51/100

Sound

Madison, WIMetro

Volume 11Mix 5.58% of portfolio

45/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 196Mix 99.49% of portfolio

77/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.

Looking for a different lender?

Are you the owner of Horicon Bank?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.