Ixonia Bank Mortgage Rates, Fees & Info

Ixonia, WI

LEI: 549300T9P3WXNMXX0I34

Tax ID: 39-0369710

2 stars - Updated: 12/4/23 - out of 5 stars, based on 53 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Review & Overview

Ixonia Bank is a smaller bank specializing in Home Purchase loans. Ixonia Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Minneapolis, Orlando, Milwaukee, Des Moines, and Providence among others. We have data for 251 markets. (Some data included below & more in-depth data is available with an active subscription.)

Ixonia Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Ixonia Bank is typically an average 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 relatively high 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.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 12/4/23
30 Year Conventional Purchase 6.81% 12/4/23
30 Year Conventional Refi 6.81% 12/4/23
30 Year Cash-out Refi 7.02% 12/4/23
30 Year FHA Purchase 7.66% 12/4/23
30 Year FHA Refi 7.67% 12/4/23
30 Year VA Purchase 6.53% 12/4/23
30 Year VA Refi 6.06% 12/4/23
30 Year USDA Purchase 7.10% 12/4/23
30 Year USDA Refi 7.55% 12/4/23
15 Year Conventional Purchase 6.43% 12/4/23
15 Year Conventional Refi 6.29% 12/4/23
15 Year Cash-out Refi 6.29% 12/4/23
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.

Ixonia Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Ixonia Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

2,810

Origination Dollar Volume (All Markets)

$809,450,000

Awards

Ixonia Bank USDA Loans gold Ixonia Bank USDA Loans gold Ixonia Bank 30 Year Conventional Loans bronze Ixonia Bank USDA Loans gold
Show all (4) awards

Relative Rate

Ixonia Bank's average 30 year fixed mortgage rate was 5.26%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.5%.

Relative Fees (Closing Costs)

Ixonia Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $8,009.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

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
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 329 $108,015,000 $328,313 $6,085 5.21%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 188 $60,930,000 $324,096 $8,642 5.15%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 141 $46,575,000 $330,319 $4,459 4.99%
Outside of Metro Areas 174 $45,830,000 $263,391 $7,252 5.21%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 119 $26,215,000 $220,294 $7,052 5.16%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 74 $24,560,000 $331,892 $13,805 5.30%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 54 $22,450,000 $415,741 $7,820 4.70%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 60 $20,330,000 $338,833 $12,006 5.20%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 52 $17,870,000 $343,654 $10,228 5.09%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 53 $17,355,000 $327,453 $9,910 5.48%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 61 $16,135,000 $264,508 $7,437 4.34%
JACKSON, MS (FHA|USDA|VA) 42 $13,200,000 $314,286 $6,318 5.08%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 39 $12,945,000 $331,923 $10,462 4.92%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 45 $12,695,000 $282,111 $8,189 4.98%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 35 $12,235,000 $349,571 $11,155 5.98%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 45 $12,035,000 $267,444 $7,625 5.15%
Sevierville, TN (FHA|USDA|VA) 18 $11,790,000 $655,000 $11,085 5.24%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 69 $11,115,000 $161,087 $5,680 5.35%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 22 $11,100,000 $504,545 $8,857 4.82%
HATTIESBURG, MS (FHA|USDA|VA) 40 $10,260,000 $256,500 $5,507 4.76%
OCALA, FL (FHA|USDA|VA) 42 $9,720,000 $231,429 $9,344 5.05%
BOISE CITY, ID (FHA|USDA|VA) 25 $9,155,000 $366,200 $9,109 5.46%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 43 $9,115,000 $211,977 $4,847 4.65%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 19 $9,085,000 $478,158 $12,348 5.22%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 26 $8,890,000 $341,923 $10,235 4.62%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 25 $8,755,000 $350,200 $12,249 6.23%
KANSAS CITY, MO-KS (FHA|USDA|VA) 36 $7,710,000 $214,167 $8,603 5.43%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 27 $7,225,000 $267,593 $8,646 4.95%
WAUSAU-WESTON, WI (FHA|USDA|VA) 48 $7,180,000 $149,583 $4,152 5.93%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 24 $6,670,000 $277,917 $7,951 4.95%
APPLETON, WI (FHA|USDA|VA) 34 $6,300,000 $185,294 $4,444 6.08%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 14 $5,870,000 $419,286 $15,778 6.36%
DOTHAN, AL (FHA|USDA|VA) 31 $5,625,000 $181,452 $6,728 5.98%
DAYTON-KETTERING, OH (FHA|USDA|VA) 30 $5,600,000 $186,667 $5,123 5.70%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 13 $5,165,000 $397,308 $10,965 5.08%
Sterling, IL (FHA|USDA|VA) 45 $5,135,000 $114,111 $4,664 4.98%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 12 $4,680,000 $390,000 $12,146 5.69%
RICHMOND, VA (FHA|USDA|VA) 16 $4,670,000 $291,875 $8,481 5.14%
MADISON, WI (FHA|USDA|VA) 17 $4,445,000 $261,471 $5,407 6.39%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 11 $4,315,000 $392,273 $9,652 5.30%
Tupelo, MS (FHA|USDA|VA) 18 $4,040,000 $224,444 $6,500 5.53%
DOVER, DE (FHA|USDA|VA) 14 $4,040,000 $288,571 $9,473 6.65%
PUNTA GORDA, FL (FHA|USDA|VA) 11 $3,995,000 $363,182 $10,777 5.51%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 18 $3,940,000 $218,889 $5,721 5.36%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 20 $3,860,000 $193,000 $7,740 4.27%
WORCESTER, MA-CT (FHA|USDA|VA) 11 $3,185,000 $289,545 $11,371 4.98%
Butte-Silver Bow, MT (FHA|USDA|VA) 10 $3,100,000 $310,000 $9,355 6.05%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 11 $2,915,000 $265,000 $2,463 4.38%
STAUNTON, VA (FHA|USDA|VA) 9 $2,815,000 $312,778 $12,781 5.31%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $2,790,000 $348,750 $9,273 7.02%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 6 $2,740,000 $456,667 $13,516 4.96%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $2,680,000 $223,333 $6,376 5.06%
KNOXVILLE, TN (FHA|USDA|VA) 5 $2,675,000 $535,000 $7,862 4.60%
Bainbridge, GA (FHA|USDA|VA) 12 $2,580,000 $215,000 $4,816 4.51%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 4 $2,560,000 $640,000 $12,879 4.41%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $2,550,000 $637,500 $14,512 5.50%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 5 $2,545,000 $509,000 $9,643 5.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 8 $2,510,000 $313,750 $9,190 5.09%
GREEN BAY, WI (FHA|USDA|VA) 10 $2,330,000 $233,000 $5,505 5.83%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 9 $2,285,000 $253,889 $8,103 5.19%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $2,155,000 $431,000 $9,065 6.00%
SHEBOYGAN, WI (FHA|USDA|VA) 7 $2,155,000 $307,857 $3,428 6.32%
Laurel, MS (FHA|USDA|VA) 12 $2,050,000 $170,833 $4,007 4.60%
Beaver Dam, WI (FHA|USDA|VA) 11 $1,855,000 $168,636 $2,532 4.51%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,850,000 $462,500 $12,265 6.72%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 7 $1,845,000 $263,571 $8,955 5.02%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 7 $1,715,000 $245,000 $9,439 5.55%
Coos Bay, OR (FHA|USDA|VA) 6 $1,680,000 $280,000 $11,919 6.46%
Moscow, ID (FHA|USDA|VA) 5 $1,655,000 $331,000 $10,801 5.32%
COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $1,650,000 $275,000 $6,247 4.17%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,440,000 $360,000 $6,954 4.84%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $1,425,000 $475,000 $8,969 5.66%
EL PASO, TX (FHA|USDA|VA) 5 $1,395,000 $279,000 $8,348 6.22%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,395,000 $465,000 $18,021 6.37%
LYNCHBURG, VA (FHA|USDA|VA) 4 $1,380,000 $345,000 $12,224 5.19%
DULUTH, MN-WI (FHA|USDA|VA) 7 $1,365,000 $195,000 $5,857 5.09%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,265,000 $421,667 $6,150 5.50%
TOPEKA, KS (FHA|USDA|VA) 5 $1,245,000 $249,000 $9,888 4.00%
JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,240,000 $620,000 $12,632 4.19%
GAINESVILLE, FL (FHA|USDA|VA) 4 $1,180,000 $295,000 $6,840 4.97%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,165,000 $388,333 $10,860 7.17%
WICHITA, KS (FHA|USDA|VA) 5 $1,135,000 $227,000 $4,979 3.50%
ROANOKE, VA (FHA|USDA|VA) 3 $1,065,000 $355,000 $15,137 5.83%
Marinette, WI-MI (FHA|USDA|VA) 6 $1,040,000 $173,333 $4,961 4.15%
AMES, IA (FHA|USDA|VA) 6 $1,040,000 $173,333 $6,973 5.08%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 2 $1,040,000 $520,000 $11,714 6.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $1,020,000 $510,000 $16,645 5.75%
Ontario, OR-ID (FHA|USDA|VA) 3 $1,005,000 $335,000 $9,785 5.71%
Ozark, AL (FHA|USDA|VA) 8 $960,000 $120,000 $5,327 5.92%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $960,000 $240,000 $11,696 4.47%
Holland, MI (FHA|USDA|VA) 4 $920,000 $230,000 $6,447 4.97%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $920,000 $230,000 $7,210 5.91%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $915,000 $183,000 $7,382 4.95%
FOND DU LAC, WI (FHA|USDA|VA) 5 $915,000 $183,000 $6,201 5.43%
Cañon City, CO (FHA|USDA|VA) 1 $895,000 $895,000 $6,549 3.75%
PITTSBURGH, PA (FHA|USDA|VA) 2 $890,000 $445,000 $11,714 5.31%
SHERMAN-DENISON, TX (FHA|USDA|VA) 4 $890,000 $222,500 $6,826 6.06%
THE VILLAGES, FL (FHA|USDA|VA) 5 $865,000 $173,000 $5,840 5.77%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $850,000 $425,000 $7,032 5.93%
Salem, OH (FHA|USDA|VA) 3 $845,000 $281,667 $9,329 4.38%
Pella, IA (FHA|USDA|VA) 5 $765,000 $153,000 $5,692 4.63%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $760,000 $380,000 $9,943 5.25%
TEXARKANA, TX-AR (FHA|USDA|VA) 4 $750,000 $187,500 $6,897 5.75%
SUMTER, SC (FHA|USDA|VA) 3 $715,000 $238,333 $6,556 5.50%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 5 $705,000 $141,000 $5,630 5.40%
Ottawa, KS (FHA|USDA|VA) 5 $695,000 $139,000 $7,222 5.60%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $695,000 $231,667 $7,803 5.13%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $655,000 $218,333 $7,477 4.42%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $645,000 $645,000 $7,682 4.25%
COLUMBUS, OH (FHA|USDA|VA) 1 $645,000 $645,000 $7,029 4.50%
Roseburg, OR (FHA|USDA|VA) 1 $635,000 $635,000 $5,850 5.99%
MISSOULA, MT (FHA|USDA|VA) 1 $635,000 $635,000 $15,577 6.13%
Helena, MT (FHA|USDA|VA) 1 $635,000 $635,000 $8,566 6.99%
MANHATTAN, KS (FHA|USDA|VA) 2 $620,000 $310,000 $12,421 5.56%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 4 $620,000 $155,000 $4,953 6.16%
RACINE, WI (FHA|USDA|VA) 2 $590,000 $295,000 $8,428 5.62%
Outside of Metro Areas 1 $585,000 $585,000 $12,526 6.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $565,000 $565,000 $7,305 3.50%
PANAMA CITY, FL (FHA|USDA|VA) 1 $565,000 $565,000 $11,201 5.88%
Key West, FL (FHA|USDA|VA) 1 $555,000 $555,000 $22,134 4.75%
FORT COLLINS, CO (FHA|USDA|VA) 1 $545,000 $545,000 $3,236 4.00%
TUSCALOOSA, AL (FHA|USDA|VA) 2 $540,000 $270,000 $10,136 4.25%
ROCHESTER, MN (FHA|USDA|VA) 2 $540,000 $270,000 $6,209 4.13%
Mount Pleasant, TX (FHA|USDA|VA) 2 $530,000 $265,000 $10,971 5.94%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 3 $525,000 $175,000 $5,286 7.00%
Blackfoot, ID (FHA|USDA|VA) 3 $525,000 $175,000 $7,339 6.00%
Dixon, IL (FHA|USDA|VA) 4 $520,000 $130,000 $6,157 5.94%
TUCSON, AZ (FHA|USDA|VA) 1 $515,000 $515,000 $3,802 5.13%
Enterprise, AL (FHA|USDA|VA) 5 $515,000 $103,000 $4,592 5.73%
OWENSBORO, KY (FHA|USDA|VA) 1 $505,000 $505,000 $10,208 4.75%
Lewisburg, TN (FHA|USDA|VA) 1 $475,000 $475,000 $15,031 7.13%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $470,000 $235,000 $6,982 6.81%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $455,000 $455,000 $17,714 2.88%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 2 $450,000 $225,000 $10,146 5.56%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $445,000 $445,000 $15,082 5.25%
Stevens Point, WI (FHA|USDA|VA) 2 $440,000 $220,000 $4,638 5.38%
PROVO-OREM, UT (FHA|USDA|VA) 1 $435,000 $435,000 $6,471 3.88%
CARSON CITY, NV (FHA|USDA|VA) 1 $425,000 $425,000 $5,144 6.62%
Newport, OR (FHA|USDA|VA) 1 $425,000 $425,000 $19,277 6.13%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $425,000 $425,000 $4,687 4.38%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $425,000 $425,000 $8,114 6.13%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $425,000 $425,000 $12,913 4.88%
Menomonie, WI (FHA|USDA|VA) 2 $420,000 $210,000 $7,029 3.94%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $415,000 $415,000 $10,587 5.88%
Baraboo, WI (FHA|USDA|VA) 2 $410,000 $205,000 $4,484 5.88%
SAVANNAH, GA (FHA|USDA|VA) 2 $410,000 $205,000 $7,248 4.87%
Hutchinson, MN (FHA|USDA|VA) 2 $400,000 $200,000 $7,680 5.13%
BAKERSFIELD, CA (FHA|USDA|VA) 1 $395,000 $395,000 $14,890 4.75%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $380,000 $190,000 $5,267 5.75%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $375,000 $375,000 $5,694 6.99%
COLUMBIA, SC (FHA|USDA|VA) 3 $375,000 $125,000 $4,579 6.50%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $375,000 $375,000 $11,027 4.13%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $370,000 $185,000 $7,825 4.50%
New Castle, PA (FHA|USDA|VA) 2 $370,000 $185,000 $6,352 6.18%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $370,000 $185,000 $6,652 4.12%
ST. CLOUD, MN (FHA|USDA|VA) 3 $365,000 $121,667 $3,218 6.17%
BATON ROUGE, LA (FHA|USDA|VA) 1 $355,000 $355,000 $13,226 3.25%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $340,000 $170,000 $2,461 4.44%
DUBUQUE, IA (FHA|USDA|VA) 2 $340,000 $170,000 $5,419 5.63%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 2 $340,000 $170,000 $6,665 6.19%
Shelbyville, TN (FHA|USDA|VA) 1 $335,000 $335,000 $13,535 6.75%
LAWRENCE, KS (FHA|USDA|VA) 1 $335,000 $335,000 $12,656 5.99%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $335,000 $335,000 $13,085 5.99%
Bonham, TX (FHA|USDA|VA) 1 $325,000 $325,000 $9,145 6.50%
Marquette, MI (FHA|USDA|VA) 1 $325,000 $325,000 $3,394 5.00%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $315,000 $315,000 $6,622 5.13%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $315,000 $315,000 $17,361 6.88%
Starkville, MS (FHA|USDA|VA) 1 $315,000 $315,000 $6,555 5.13%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $310,000 $155,000 $6,687 4.69%
Vicksburg, MS (FHA|USDA|VA) 1 $305,000 $305,000 $3,932 3.38%
Whitewater, WI (FHA|USDA|VA) 1 $305,000 $305,000 $10,640 5.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $305,000 $305,000 $12,566 5.13%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $295,000 $295,000 $8,189 3.25%
MOBILE, AL (FHA|USDA|VA) 1 $295,000 $295,000 $9,038 5.38%
Brainerd, MN (FHA|USDA|VA) 1 $295,000 $295,000 $290,000 3.13%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $285,000 $285,000 $6,669 3.75%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 2 $280,000 $140,000 $3,316 5.43%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $275,000 $275,000 $6,473 4.13%
Red Wing, MN (FHA|USDA|VA) 2 $270,000 $135,000 $5,113 5.99%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $265,000 $265,000 $5,577 3.88%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $265,000 $265,000 $5,081 5.50%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $265,000 $265,000 $4,863 3.50%
IOWA CITY, IA (FHA|USDA|VA) 1 $255,000 $255,000 $2,704 4.63%
Red Bluff, CA (FHA|USDA|VA) 1 $255,000 $255,000 $4,583 5.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $250,000 $125,000 $4,171 5.38%
Oskaloosa, IA (FHA|USDA|VA) 1 $245,000 $245,000 $14,151 7.13%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $8,392 6.00%
WILMINGTON, NC (FHA|USDA|VA) 1 $245,000 $245,000 $5,085 5.88%
Cedartown, GA (FHA|USDA|VA) 1 $245,000 $245,000 $3,386 4.13%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $245,000 $245,000 $8,713 7.63%
SALEM, OR (FHA|USDA|VA) 1 $245,000 $245,000 $4,493 3.38%
Shawano, WI (FHA|USDA|VA) 2 $240,000 $120,000 $6,932 6.19%
Statesboro, GA (FHA|USDA|VA) 2 $240,000 $120,000 $6,425 7.25%
Fort Morgan, CO (FHA|USDA|VA) 1 $235,000 $235,000 $3,447 5.25%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $235,000 $235,000 $7,577 7.63%
HARRISONBURG, VA (FHA|USDA|VA) 1 $235,000 $235,000 $9,328 5.99%
AKRON, OH (FHA|USDA|VA) 2 $230,000 $115,000 $6,369 5.88%
SPARTANBURG, SC (FHA|USDA|VA) 1 $225,000 $225,000 $5,425 4.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $225,000 $225,000 $4,339 5.50%
Ottawa, IL (FHA|USDA|VA) 2 $220,000 $110,000 $3,768 4.00%
Wapakoneta, OH (FHA|USDA|VA) 1 $215,000 $215,000 $2,692 3.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $215,000 $215,000 $4,291 6.38%
Aberdeen, WA (FHA|USDA|VA) 1 $215,000 $215,000 $8,267 6.63%
Ashtabula, OH (FHA|USDA|VA) 2 $210,000 $105,000 $4,214 6.00%
Big Rapids, MI (FHA|USDA|VA) 1 $205,000 $205,000 $4,016 4.75%
Palatka, FL (FHA|USDA|VA) 1 $205,000 $205,000 $5,045 4.25%
Oxford, MS (FHA|USDA|VA) 1 $205,000 $205,000 $2,928 4.75%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $205,000 $205,000 $5,058 5.63%
Alexandria, MN (FHA|USDA|VA) 1 $205,000 $205,000 $4,137 5.50%
LAWTON, OK (FHA|USDA|VA) 1 $195,000 $195,000 $4,696 6.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $195,000 $195,000 $3,955 3.38%
JOPLIN, MO (FHA|USDA|VA) 1 $195,000 $195,000 $5,874 5.13%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $185,000 $185,000 $6,579 5.25%
Manitowoc, WI (FHA|USDA|VA) 1 $185,000 $185,000 $4,213 6.13%
Urbana, OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,580 4.75%
Crawfordsville, IN (FHA|USDA|VA) 2 $180,000 $90,000 $4,165 4.19%
Mitchell, SD (FHA|USDA|VA) 1 $175,000 $175,000 $2,559 5.25%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $175,000 $175,000 $12,306 4.75%
Fergus Falls, MN (FHA|USDA|VA) 1 $175,000 $175,000 $6,741 5.88%
Lebanon, NH-VT (FHA|USDA|VA) 1 $175,000 $175,000 $7,161 6.50%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $165,000 $165,000 $3,122 4.38%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $165,000 $165,000 $3,369 4.99%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $165,000 $165,000 $5,993 5.63%
Batesville, AR (FHA|USDA|VA) 1 $155,000 $155,000 $3,460 6.00%
GREELEY, CO (FHA|USDA|VA) 1 $155,000 $155,000 $5,684 3.75%
Albemarle, NC (FHA|USDA|VA) 1 $155,000 $155,000 $4,232 5.99%
Effingham, IL (FHA|USDA|VA) 1 $155,000 $155,000 $2,824 3.38%
Lumberton, NC (FHA|USDA|VA) 1 $145,000 $145,000 $4,669 4.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $145,000 $145,000 $4,280 6.38%
PEORIA, IL (FHA|USDA|VA) 1 $135,000 $135,000 $6,920 5.25%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $135,000 $135,000 $7,308 5.13%
Jesup, GA (FHA|USDA|VA) 1 $135,000 $135,000 $4,272 6.88%
Clarksburg, WV (FHA|USDA|VA) 1 $135,000 $135,000 $6,310 5.25%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $135,000 $135,000 $3,030 4.13%
Meadville, PA (FHA|USDA|VA) 1 $135,000 $135,000 $9,313 5.63%
Minot, ND (FHA|USDA|VA) 1 $135,000 $135,000 $4,818 4.99%
Lebanon, MO (FHA|USDA|VA) 1 $135,000 $135,000 $3,474 3.25%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $125,000 $125,000 $2,761 5.63%
Marshalltown, IA (FHA|USDA|VA) 1 $125,000 $125,000 $3,081 5.63%
Warren, PA (FHA|USDA|VA) 1 $125,000 $125,000 $5,898 5.00%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $115,000 $115,000 $5,227 5.88%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $105,000 $105,000 $3,366 4.75%
Eufaula, AL-GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,883 7.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,591 2.88%
TYLER, TX (FHA|USDA|VA) 1 $105,000 $105,000 $6,846 7.25%
LAS CRUCES, NM (FHA|USDA|VA) 1 $105,000 $105,000 $5,555 5.50%
Rochelle, IL (FHA|USDA|VA) 1 $95,000 $95,000 $4,935 7.00%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $85,000 $85,000 $5,008 4.13%
Galesburg, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,675 4.88%
Columbus, NE (FHA|USDA|VA) 1 $65,000 $65,000 $4,067 5.63%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $45,000 $45,000 $2,958 4.13%
Ixonia Bank's top markets include Minneapolis, Orlando, Milwaukee, Des Moines, and Providence among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Ixonia Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Hometown Bank
    Similarity Rank: 34
    Homestar Mortgage, Inc.
    Similarity Rank: 52
    ASCENTRA
    Similarity Rank: 75
    SOMERSET
    Similarity Rank: 87
    Central Bank Illinois
    Similarity Rank: 116
    The Equitable Bank, S.S.B.
    Similarity Rank: 120
    HARVESTERS FEDERAL CREDIT UNION
    Similarity Rank: 140
    PyraMax Bank, FSB
    Similarity Rank: 150

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,944 $585,210,000 $301,034 $6,351 5.20%
    FHA 634 $160,950,000 $253,864 $11,429 5.34%
    VA 141 $47,485,000 $336,773 $11,218 5.18%
    USDA 91 $15,805,000 $173,681 $6,096 4.98%

    For 2022, Ixonia Bank's most frequently originated type of loan was Conventional, with 1,944 originations. Their 2nd most popular type was FHA, with 634 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,341 $670,075,000 $286,235 $7,921 5.33%
    Cash Out Refi 244 $72,010,000 $295,123 $7,502 4.74%
    Refi 177 $52,475,000 $296,469 $5,944 4.50%
    Other 39 $13,135,000 $336,795 $7,933 4.96%
    Home Improvement 9 $1,755,000 $195,000 $6,156 5.15%

    For 2022, Ixonia Bank's most frequently cited loan purpose was Home Purchase, with 2,341 originations. The 2nd most popular reason was Cash Out Refi, with 244 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 2,654 $784,020,000 $295,411 $8,009 5.26%
    10 Year 61 $935,000 $15,328 $271 5.43%
    15 Year 55 $12,485,000 $227,000 $4,503 4.07%
    20 Year 27 $10,015,000 $370,926 $9,287 4.60%
    3 Year 7 $45,000 $6,429 $21 0.00%
    Other 5 $1,885,000 $377,000 $11,742 4.80%
    5 Year 1 $65,000 $65,000 $0 6.98%

    For 2022, Ixonia Bank's most frequently cited loan duration was 30 Year, with 2,654 originations. The 2nd most popular length was 10 Year, with 61 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 801 $215,445,000 $268,970
    $5k+ 744 $289,440,000 $389,032
    $2k-3k 412 $104,070,000 $252,597
    $3k-4k 352 $91,780,000 $260,739
    $4k-5k 247 $72,425,000 $293,219
    $<1k 224 $27,770,000 $123,973

    Ixonia Bank's average total fees were $8,009, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 801 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 938 $258,410,000 $275,490
    4-5% 605 $184,745,000 $305,364
    6-7% 515 $146,735,000 $284,922
    3-4% 478 $157,870,000 $330,272
    7-8% 187 $48,065,000 $257,032
    <2.5% 43 $1,905,000 $44,302
    2.5-3% 31 $10,425,000 $336,290
    Over 8% 13 $1,295,000 $99,615

    During 2022, Ixonia Bank's average interest rate for loans was 5.26%, while their most frequently originated rate bucket for loans was 5-6%, with 938 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,316 $381,200,000 $289,666 $8,607 5.32%
    $100k-200k 705 $109,025,000 $154,645 $5,390 5.28%
    $400k-600k 392 $185,640,000 $473,571 $10,797 5.23%
    $100,000 or less 242 $12,260,000 $50,661 $2,356 4.77%
    $600k-1MM 136 $94,680,000 $696,176 $12,135 4.87%
    $1MM+ 19 $26,645,000 $1,402,368 $13,859 4.22%

    2022 saw Ixonia Bank place emphasis on $200k-400k loans with 1,316 originations, totaling $381,200,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 670 $135,810,000 $202,701 $6,736 5.14%
    $100k-150k 646 $204,650,000 $316,796 $8,172 5.35%
    $75k-100k 580 $154,060,000 $265,621 $8,324 5.35%
    $50k or less 361 $51,225,000 $141,898 $5,367 4.97%
    $150k-250k 357 $151,055,000 $423,123 $9,811 5.33%
    $250k+ 180 $106,900,000 $593,889 $9,521 4.98%

    Ixonia Bank lent most frequently to those with incomes in the $50k-75k range, with 670 originations. The second most popular income band? $100k-150k, with 646 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 429 $116,945,000 $272,599 $6,868 5.19%
    20-30% 372 $102,640,000 $275,914 $6,079 5.11%
    50-60% 263 $74,695,000 $284,011 $12,183 5.24%
    49% 160 $43,760,000 $273,500 $7,760 5.27%
    41% 142 $41,400,000 $291,549 $7,044 5.10%
    44% 139 $40,455,000 $291,043 $7,169 5.21%
    42% 139 $43,755,000 $314,784 $7,383 5.36%
    <20% 124 $40,260,000 $324,677 $6,186 5.00%
    40% 120 $35,690,000 $297,417 $7,033 5.48%
    48% 111 $33,755,000 $304,099 $8,501 5.25%
    45% 110 $29,550,000 $268,636 $8,441 5.38%
    43% 109 $32,615,000 $299,220 $7,520 5.05%
    38% 101 $26,405,000 $261,436 $6,677 5.20%
    39% 99 $30,425,000 $307,323 $10,289 5.20%
    37% 99 $29,355,000 $296,515 $6,411 5.40%
    46% 97 $26,635,000 $274,588 $7,835 5.44%
    47% 87 $28,035,000 $322,241 $9,134 5.50%
    36% 82 $24,610,000 $300,122 $7,914 5.02%
    >60% 5 $1,875,000 $375,000 $11,866 5.53%

    Ixonia Bank lent most frequently to those with DTI ratios of 30-36%, with 429 originations. The next most common DTI ratio? 20-30%, with 372 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,089 $600,995,000 $287,695 $7,587 5.24%
    Not provided 371 $107,685,000 $290,256 $7,602 5.19%
    Black 240 $60,690,000 $252,875 $8,896 5.08%
    Asian 72 $25,490,000 $354,028 $9,279 5.24%
    Asian Indian 9 $4,865,000 $540,556 $10,583 5.26%
    American Indian 15 $4,255,000 $283,667 $8,814 5.67%
    Filipino 4 $2,690,000 $672,500 $8,346 5.44%
    Not applicable 5 $1,535,000 $307,000 $0 5.15%
    Chinese 1 $485,000 $485,000 $12,616 5.50%
    Native Hawaiian or Islander 2 $380,000 $190,000 $5,519 6.12%
    Vietnamese 1 $205,000 $205,000 $7,505 5.13%
    Other Asian 1 $175,000 $175,000 $4,673 5.99%

    Approval Rates

    Total approvals of all applications
    93.10%

    Ixonia Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    57.47%

    Ixonia Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,810 $809,450,000 $288,060

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,810 $809,450,000 $288,060

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 45 $8,765,000 $194,778 $4,888 4.95%
    40-60% 189 $52,455,000 $277,540 $6,153 4.95%
    60-80% 678 $211,990,000 $312,670 $7,417 5.20%
    80-100% 1,756 $522,630,000 $297,625 $8,409 5.35%
    Over 100% 36 $12,120,000 $336,667 $16,570 5.12%
    Under 20% 106 $1,490,000 $14,057 $206 3.90%