Purchase Originations
843
Ranked #430 nationally
Median Total Costs
$3,374
−49.5% vs national ($6,680)
↓ $65 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,167
Median Lender Credits
$400
Cost Rank (500+ vol.)
#63
among lenders with 500+ originations
Denial Rate
1.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 843 | 6.750% | $3,374 | $1,167 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Wisconsin | 675 | 6.750% | $3,397 | #20 |
| Michigan | 135 | 6.875% | $3,137 | #95 |
| Florida | 10 | 6.500% | $6,146 | — |
| Minnesota | 8 | 6.750% | $3,877 | — |
| Arizona | 2 | 6.750% | $4,869 | — |
| Illinois | 2 | 6.750% | $6,935 | — |
| Tennessee | 2 | 6.562% | $3,745 | — |
| District of Columbia | 1 | 6.875% | $8,934 | — |
| Georgia | 1 | 6.875% | $4,745 | — |
| Idaho | 1 | 6.375% | $5,607 | — |
| Kentucky | 1 | 6.875% | $5,792 | — |
| Maine | 1 | 6.250% | $3,465 | — |
| Oklahoma | 1 | 6.875% | $4,001 | — |
| Oregon | 1 | 7.125% | $5,032 | — |
| South Carolina | 1 | 6.750% | $3,914 | — |
| Virginia | 1 | 7.000% | $4,574 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,356 | 6.875% | — | 9 | −$1,018 | |
| 2 | $2,840 | 6.625% | — | 45 | −$534 | |
| 3 | $2,932 | 6.625% | — | 14 | −$442 | |
| 4 | $2,989 | 6.875% | — | 10 | −$385 | |
| 5 | $3,045 | 6.625% | — | 17 | −$329 | |
| 6 | $3,064 | 6.875% | — | 31 | −$310 | |
| 7 | $3,139 | 6.875% | — | 23 | −$235 | |
| 8 | $3,169 | 6.750% | — | 40 | −$205 | |
| 9 | $3,207 | 6.750% | — | 48 | −$167 | |
| 10 | $3,286 | 6.750% | — | 10 | −$88 | |
| 11 | $3,306 | 6.625% | — | 26 | −$68 | |
| 12 | $3,308 | 6.812% | — | 8 | −$66 | |
| 13 | $3,323 | 6.875% | — | 11 | −$51 | |
| 14 | $3,349 | 6.875% | — | 28 | −$25 | |
| 15 | $3,349 | 6.812% | — | 10 | −$25 | |
| 16 | $3,444 | 6.812% | — | 12 | +$70 | |
| 17 | $3,455 | 6.625% | — | 25 | +$81 | |
| 18 | $3,461 | 6.750% | — | 74 | +$87 | |
| 19 | $3,570 | 6.870% | — | 62 | +$196 | |
| 20 | $3,593 | 6.625% | — | 168 | +$219 |
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 | Nicolet National Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $3,374 | $7,127 | −$3,753 (−52.7%) |
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.