Purchase Originations
164
Median Total Costs
$2,341
−65.0% vs national ($6,680)
↑ $216 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$163
Median Lender Credits
$250
Denial Rate
4.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 164 | 6.500% | $2,341 | $163 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 164 | 6.500% | $2,341 | #63 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,000 | 6.875% | — | 1 | −$1,341 | |
| 2 | $1,085 | 6.375% | — | 1 | −$1,256 | |
| 3 | $1,160 | 6.750% | — | 1 | −$1,181 | |
| 4 | $1,210 | 6.375% | — | 1 | −$1,131 | |
| 5 | $1,245 | 6.750% | — | 1 | −$1,096 | |
| 6 | $1,313 | 6.750% | — | 1 | −$1,028 | |
| 7 | $1,768 | 6.625% | — | 3 | −$573 | |
| 8 | $2,163 | 6.125% | — | 6 | −$178 | |
| 9 | $2,184 | 6.625% | — | 40 | −$157 | |
| 10 | $2,215 | 6.562% | — | 6 | −$126 | |
| 11 | $2,362 | 6.438% | — | 38 | +$21 | |
| 12 | $2,395 | 6.250% | — | 3 | +$54 | |
| 13 | $2,424 | 6.188% | — | 8 | +$83 | |
| 14 | $2,454 | 6.250% | — | 3 | +$113 | |
| 15 | $2,549 | 6.375% | — | 4 | +$208 | |
| 16 | $2,574 | 6.500% | — | 12 | +$233 | |
| 17 | $2,592 | 6.562% | — | 28 | +$251 | |
| 18 | $2,623 | 6.875% | — | 1 | +$282 | |
| 19 | $2,665 | 6.750% | — | 1 | +$324 | |
| 20 | $2,748 | 6.625% | — | 1 | +$407 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Horicon Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $245,000 | $335,000 | −$90,000 (−26.9%) |
| Median total closing costs | $2,341 | $7,127 | −$4,786 (−67.2%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.