Nicolet National Bank Mortgage Rates, Fees & Info
Green Bay, WILEI: 38CFVD4YYFWD1FV7IM34
Tax ID: 39-1990426
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Mortgage Data
Review & Overview
Nicolet National Bank is a smaller bank specializing in Home Purchase loans. Nicolet National Bank has a high proportion of conventional loans. Their top markets by origination volume include: Green Bay, Appleton, Wausau, Oshkosh, and Marquette among others. We have data for 82 markets. (Some data included below & more in-depth data is available with an active subscription.)Nicolet National Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Nicolet National Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.38% | 11/21/24 |
| 30 Year Conventional Purchase | 6.93% | 11/21/24 |
| 30 Year Conventional Refi | 6.71% | 11/21/24 |
| 30 Year Cash-out Refi | 6.93% | 11/21/24 |
| 30 Year VA Purchase | 6.27% | 11/21/24 |
| 30 Year USDA Purchase | 6.27% | 11/21/24 |
| 15 Year Conventional Purchase | 6.61% | 11/21/24 |
| 15 Year Conventional Refi | 6.59% | 11/21/24 |
| 15 Year Cash-out Refi | 6.59% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Nicolet National Bank Mortgage Calculator
Your Estimates
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This is not an official calculator from Nicolet National Bank. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,473Origination Dollar Volume (All Markets)
$820,055,000Awards
Nicolet National Bank - 2022
Nicolet National Bank is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 1,008 | $231,220,000 | $229,385 | $2,920 | 5.03% |
| GREEN BAY, WI (FHA|USDA|VA) | 835 | $173,075,000 | $207,275 | $2,793 | 4.89% |
| APPLETON, WI (FHA|USDA|VA) | 334 | $94,410,000 | $282,665 | $3,024 | 4.87% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 239 | $49,945,000 | $208,975 | $2,659 | 4.98% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 243 | $49,675,000 | $204,424 | $2,929 | 4.83% |
| Marquette, MI (FHA|USDA|VA) | 163 | $28,415,000 | $174,325 | $2,756 | 5.04% |
| Traverse City, MI (FHA|USDA|VA) | 71 | $20,975,000 | $295,423 | $3,275 | 5.15% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 47 | $12,695,000 | $270,106 | $3,090 | 5.89% |
| Marinette, WI-MI (FHA|USDA|VA) | 92 | $12,070,000 | $131,196 | $2,419 | 5.07% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 12 | $10,290,000 | $857,500 | $9,108 | 4.67% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $10,205,000 | $10,205,000 | $0 | 4.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 7 | $8,745,000 | $1,249,286 | $6,349 | 4.71% |
| Manitowoc, WI (FHA|USDA|VA) | 54 | $8,570,000 | $158,704 | $2,631 | 5.14% |
| Sevierville, TN (FHA|USDA|VA) | 4 | $7,270,000 | $1,817,500 | $4,959 | 4.25% |
| Shawano, WI (FHA|USDA|VA) | 24 | $6,280,000 | $261,667 | $3,411 | 4.91% |
| MADISON, WI (FHA|USDA|VA) | 19 | $6,165,000 | $324,474 | $3,424 | 4.88% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $6,005,000 | $6,005,000 | $0 | 4.55% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 25 | $5,885,000 | $235,400 | $2,275 | 4.97% |
| Sault Ste. Marie, MI (FHA|USDA|VA) | 39 | $4,985,000 | $127,821 | $2,471 | 5.26% |
| Alpena, MI (FHA|USDA|VA) | 33 | $4,975,000 | $150,758 | $2,526 | 4.90% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $4,335,000 | $4,335,000 | $0 | 4.25% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 26 | $4,130,000 | $158,846 | $2,473 | 5.02% |
| Escanaba, MI (FHA|USDA|VA) | 31 | $3,995,000 | $128,871 | $2,700 | 5.19% |
| Stevens Point, WI (FHA|USDA|VA) | 19 | $3,725,000 | $196,053 | $2,692 | 5.20% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 14 | $3,330,000 | $237,857 | $3,242 | 5.12% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 2 | $3,180,000 | $1,590,000 | $8,443 | 4.38% |
| FOND DU LAC, WI (FHA|USDA|VA) | 13 | $2,965,000 | $228,077 | $3,199 | 5.14% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $2,650,000 | $1,325,000 | $7,791 | 5.44% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 7 | $2,545,000 | $363,571 | $5,003 | 4.79% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $2,500,000 | $312,500 | $3,710 | 4.63% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $2,475,000 | $2,475,000 | $0 | 5.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 6 | $1,960,000 | $326,667 | $4,855 | 4.97% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,855,000 | $1,855,000 | $13,130 | 3.88% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 5 | $1,825,000 | $365,000 | $3,576 | 5.25% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 10 | $1,780,000 | $178,000 | $3,245 | 5.13% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $1,540,000 | $256,667 | $3,976 | 4.75% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,400,000 | $700,000 | $3,869 | 3.50% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $1,370,000 | $685,000 | $3,481 | 4.38% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $0 | 5.40% |
| RACINE, WI (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $3,096 | 4.64% |
| Cadillac, MI (FHA|USDA|VA) | 6 | $1,200,000 | $200,000 | $3,252 | 5.15% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $2,280 | 5.56% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $945,000 | $315,000 | $2,705 | 4.54% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $7,017 | 3.25% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $2,634 | 3.69% |
| Houghton, MI (FHA|USDA|VA) | 4 | $860,000 | $215,000 | $2,884 | 4.53% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $3,557 | 4.46% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $0 | 3.50% |
| Menomonie, WI (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $0 | 5.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 4.50% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $2,901 | 4.75% |
| MIDLAND, MI (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $6,469 | 5.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $4,183 | 5.49% |
| Hutchinson, MN (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,330 | 3.99% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $5,771 | 6.00% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $2,287 | 5.50% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $6,506 | 6.12% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,589 | 4.63% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 4.00% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 4.25% |
| Beaver Dam, WI (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $0 | 4.58% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 4.75% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $4,092 | 3.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,000 | 4.38% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,953 | 4.00% |
| Platteville, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $3,608 | 4.63% |
| Crossville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 3.75% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,645 | 3.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 4.50% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,554 | 3.38% |
| Riverton, WY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 5.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,586 | 4.88% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,501 | 5.75% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,993 | 5.88% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.25% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.50% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,729 | 3.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,830 | 5.50% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.00% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,797 | 3.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 4.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against Nicolet National Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 2,344 | $689,220,000 | $294,036 | $2,926 | 4.88% |
| HELOC | 1,129 | $130,835,000 | $115,886 | n/a | 5.16% |
For 2022, Nicolet National Bank's most frequently originated type of loan was Conventional, with 2,344 originations. Their 2nd most popular type was HELOC, with 1,129 originations.
Loan Reason
For 2022, Nicolet National Bank's most frequently cited loan purpose was Home Purchase, with 1,822 originations. The 2nd most popular reason was Home Improvement, with 618 originations.
Loan Duration/Length
For 2022, Nicolet National Bank's most frequently cited loan duration was 30 Year, with 2,582 originations. The 2nd most popular length was 15 Year, with 294 originations.
Origination Fees/Closing Costs
Nicolet National Bank's average total fees were $3,254, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,757 originations.
Interest Rates
During 2022, Nicolet National Bank's average interest rate for loans was 4.98%, while their most frequently originated rate bucket for loans was 4-5%, with 1,151 originations.
Loan Sizing
2022 saw Nicolet National Bank place emphasis on $100,000 or less loans with 1,102 originations, totaling $60,870,000 in origination value.
Applicant Income
Nicolet National Bank lent most frequently to those with incomes in the $100k-150k range, with 688 originations. The second most popular income band? $50k-75k, with 571 originations.
Applicant Debt to Income Ratio
Nicolet National Bank lent most frequently to those with DTI ratios of 20-30%, with 757 originations. The next most common DTI ratio? 30-36%, with 602 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.14%
Nicolet National Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination91.30%
Nicolet National Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2239.43 | 1 | $15,000 | $15,000 |
| 408.26 | 1 | $65,000 | $65,000 |
| 441.23 | 1 | $15,000 | $15,000 |
| 460.63 | 1 | $25,000 | $25,000 |
| 55.23 | 1 | $25,000 | $25,000 |
| 63.23 | 1 | $15,000 | $15,000 |
| 781.26 | 1 | $175,000 | $175,000 |
| 78.23 | 1 | $15,000 | $15,000 |
| NA | 3,465 | $819,705,000 | $236,567 |