Ixonia Bank Mortgage Rates, Fees & Info

Ixonia, WI

LEI: 549300T9P3WXNMXX0I34

Tax ID: 39-0369710

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Mortgage Data

Bank Data

Review & Overview

Ixonia Bank is a small bank specializing in Home Purchase and Refi 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, Milwaukee, Chicago, Des Moines, and Nashville among others. We have data for 324 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 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.

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

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/28/24
30 Year Conventional Purchase 6.81% 3/28/24
30 Year Conventional Refi 6.81% 3/28/24
30 Year Cash-out Refi 7.02% 3/28/24
30 Year FHA Purchase 7.66% 3/28/24
30 Year FHA Refi 7.67% 3/28/24
30 Year VA Purchase 6.53% 3/28/24
30 Year VA Refi 6.06% 3/28/24
30 Year USDA Purchase 7.10% 3/28/24
30 Year USDA Refi 7.55% 3/28/24
15 Year Conventional Purchase 6.43% 3/28/24
15 Year Conventional Refi 6.29% 3/28/24
15 Year Cash-out Refi 6.29% 3/28/24
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.

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

4,653

Origination Dollar Volume (All Markets)

$1,193,265,000

Employee count

348

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

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) 530 $153,310,000 $289,264 $4,250 3.20%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 369 $97,685,000 $264,729 $3,188 3.08%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 348 $85,310,000 $245,144 $4,905 3.07%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 228 $46,510,000 $203,991 $4,429 3.08%
Outside of Metro Areas 197 $44,765,000 $227,234 $5,018 3.24%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 138 $44,730,000 $324,130 $5,044 3.15%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 118 $37,150,000 $314,831 $7,976 3.47%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 119 $34,405,000 $289,118 $5,951 3.22%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 139 $33,845,000 $243,489 $4,688 3.34%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 78 $29,850,000 $382,692 $10,528 3.32%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 117 $29,545,000 $252,521 $6,202 3.11%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 87 $23,095,000 $265,460 $6,151 2.90%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 106 $22,750,000 $214,623 $2,980 3.03%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 127 $20,445,000 $160,984 $4,710 3.27%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 56 $18,580,000 $331,786 $7,124 3.16%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 54 $17,910,000 $331,667 $7,045 3.15%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 38 $17,820,000 $468,947 $6,362 3.01%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 56 $17,510,000 $312,679 $6,195 3.24%
KANSAS CITY, MO-KS (FHA|USDA|VA) 75 $17,025,000 $227,000 $7,242 3.46%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 71 $15,585,000 $219,507 $6,330 3.32%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 49 $14,915,000 $304,388 $5,848 3.12%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 39 $14,225,000 $364,744 $4,688 2.68%
OCALA, FL (FHA|USDA|VA) 77 $14,075,000 $182,792 $5,650 3.20%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 26 $10,960,000 $421,538 $6,828 3.09%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 49 $9,945,000 $202,959 $2,129 2.76%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 30 $9,120,000 $304,000 $6,457 3.13%
DAYTON-KETTERING, OH (FHA|USDA|VA) 41 $8,815,000 $215,000 $4,626 3.23%
Sterling, IL (FHA|USDA|VA) 75 $8,555,000 $114,067 $4,135 3.44%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 33 $7,735,000 $234,394 $6,621 3.39%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 35 $7,385,000 $211,000 $4,221 3.33%
RICHMOND, VA (FHA|USDA|VA) 26 $7,210,000 $277,308 $5,650 3.14%
Sevierville, TN (FHA|USDA|VA) 15 $7,175,000 $478,333 $7,180 3.69%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 25 $6,225,000 $249,000 $6,787 3.18%
COLUMBUS, OH (FHA|USDA|VA) 25 $6,045,000 $241,800 $3,798 3.10%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 19 $5,705,000 $300,263 $5,932 3.39%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 19 $5,555,000 $292,368 $4,637 2.97%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 15 $5,535,000 $369,000 $4,902 2.80%
Beaver Dam, WI (FHA|USDA|VA) 34 $5,430,000 $159,706 $2,011 2.82%
JACKSON, MS (FHA|USDA|VA) 18 $5,210,000 $289,444 $3,809 2.99%
RALEIGH-CARY, NC (FHA|USDA|VA) 18 $5,190,000 $288,333 $3,092 2.97%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 14 $4,910,000 $350,714 $5,513 3.09%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 18 $4,550,000 $252,778 $8,001 3.40%
WORCESTER, MA-CT (FHA|USDA|VA) 16 $4,310,000 $269,375 $6,499 3.09%
ST. LOUIS, MO-IL (FHA|USDA|VA) 21 $4,195,000 $199,762 $3,819 2.95%
RACINE, WI (FHA|USDA|VA) 18 $4,010,000 $222,778 $3,606 2.97%
MADISON, WI (FHA|USDA|VA) 13 $3,805,000 $292,692 $3,958 2.97%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 12 $3,730,000 $310,833 $3,982 3.01%
HATTIESBURG, MS (FHA|USDA|VA) 17 $3,645,000 $214,412 $4,363 2.94%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 12 $3,570,000 $297,500 $4,441 2.98%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 11 $3,465,000 $315,000 $6,066 3.10%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 15 $3,235,000 $215,667 $6,086 3.51%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 9 $3,165,000 $351,667 $6,388 3.40%
Salem, OH (FHA|USDA|VA) 18 $2,980,000 $165,556 $5,002 3.28%
Tupelo, MS (FHA|USDA|VA) 15 $2,935,000 $195,667 $4,804 3.33%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $2,635,000 $527,000 $6,401 3.35%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 13 $2,625,000 $201,923 $7,180 3.08%
PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $2,625,000 $238,636 $6,994 3.19%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $2,550,000 $425,000 $6,633 2.94%
DOTHAN, AL (FHA|USDA|VA) 14 $2,510,000 $179,286 $4,803 3.10%
ALBUQUERQUE, NM (FHA|USDA|VA) 6 $2,480,000 $413,333 $4,740 2.96%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 13 $2,385,000 $183,462 $3,494 3.10%
HUNTSVILLE, AL (FHA|USDA|VA) 10 $2,370,000 $237,000 $3,073 2.94%
STAUNTON, VA (FHA|USDA|VA) 11 $2,315,000 $210,455 $5,917 2.88%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 12 $2,220,000 $185,000 $4,098 3.41%
COLORADO SPRINGS, CO (FHA|USDA|VA) 6 $2,210,000 $368,333 $2,193 2.56%
JACKSONVILLE, FL (FHA|USDA|VA) 7 $2,135,000 $305,000 $4,683 2.82%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $2,115,000 $192,273 $5,059 3.05%
APPLETON, WI (FHA|USDA|VA) 11 $2,025,000 $184,091 $4,434 3.19%
LOUISVILLE, KY (FHA|USDA|VA) 11 $1,995,000 $181,364 $3,304 3.06%
Ottawa, KS (FHA|USDA|VA) 10 $1,970,000 $197,000 $6,803 3.86%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 7 $1,955,000 $279,286 $4,086 2.75%
Breckenridge, CO (FHA|USDA|VA) 1 $1,955,000 $1,955,000 $4,676 3.13%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 6 $1,910,000 $318,333 $4,445 2.56%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $1,875,000 $267,857 $5,445 3.21%
Dixon, IL (FHA|USDA|VA) 13 $1,795,000 $138,077 $3,924 3.47%
Key West, FL (FHA|USDA|VA) 3 $1,795,000 $598,333 $10,500 3.46%
PITTSBURGH, PA (FHA|USDA|VA) 7 $1,725,000 $246,429 $4,711 3.02%
Bainbridge, GA (FHA|USDA|VA) 8 $1,570,000 $196,250 $4,720 2.97%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $1,510,000 $251,667 $3,467 2.65%
FOND DU LAC, WI (FHA|USDA|VA) 7 $1,505,000 $215,000 $3,355 3.66%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 6 $1,490,000 $248,333 $4,576 3.15%
Pella, IA (FHA|USDA|VA) 7 $1,395,000 $199,286 $4,894 3.21%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 5 $1,325,000 $265,000 $4,174 3.03%
EAU CLAIRE, WI (FHA|USDA|VA) 5 $1,295,000 $259,000 $4,523 3.03%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,275,000 $425,000 $4,056 3.25%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,270,000 $317,500 $5,566 3.81%
KNOXVILLE, TN (FHA|USDA|VA) 4 $1,270,000 $317,500 $3,265 3.19%
Menomonie, WI (FHA|USDA|VA) 6 $1,230,000 $205,000 $5,418 3.35%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 4 $1,230,000 $307,500 $4,436 2.47%
SHEBOYGAN, WI (FHA|USDA|VA) 5 $1,205,000 $241,000 $2,170 2.88%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $1,200,000 $300,000 $4,732 2.91%
JACKSONVILLE, NC (FHA|USDA|VA) 4 $1,200,000 $300,000 $3,702 2.69%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $1,175,000 $235,000 $7,301 2.98%
DULUTH, MN-WI (FHA|USDA|VA) 6 $1,160,000 $193,333 $5,543 2.88%
SAVANNAH, GA (FHA|USDA|VA) 4 $1,150,000 $287,500 $7,402 2.84%
GAINESVILLE, FL (FHA|USDA|VA) 6 $1,140,000 $190,000 $5,002 3.21%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 6 $1,110,000 $185,000 $4,462 3.19%
LYNCHBURG, VA (FHA|USDA|VA) 4 $1,050,000 $262,500 $3,705 3.16%
AMES, IA (FHA|USDA|VA) 6 $1,040,000 $173,333 $3,785 3.06%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,010,000 $505,000 $5,674 2.50%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $995,000 $331,667 $3,049 2.79%
Torrington, CT (FHA|USDA|VA) 4 $990,000 $247,500 $6,037 2.34%
LAWRENCE, KS (FHA|USDA|VA) 5 $975,000 $195,000 $4,224 3.98%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $965,000 $193,000 $3,386 2.53%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $955,000 $318,333 $2,100 2.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 5 $945,000 $189,000 $4,401 3.38%
TOPEKA, KS (FHA|USDA|VA) 7 $925,000 $132,143 $5,459 3.75%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $910,000 $455,000 $11,299 2.69%
TUCSON, AZ (FHA|USDA|VA) 3 $895,000 $298,333 $2,596 3.13%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $885,000 $295,000 $2,369 2.83%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $880,000 $220,000 $8,621 3.03%
FAYETTEVILLE, NC (FHA|USDA|VA) 3 $875,000 $291,667 $3,548 2.63%
GAINESVILLE, GA (FHA|USDA|VA) 3 $875,000 $291,667 $5,612 3.83%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $860,000 $430,000 $5,794 3.38%
Crawfordsville, IN (FHA|USDA|VA) 6 $860,000 $143,333 $3,227 3.23%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $855,000 $285,000 $6,077 2.96%
TALLAHASSEE, FL (FHA|USDA|VA) 3 $855,000 $285,000 $8,037 2.79%
Marshalltown, IA (FHA|USDA|VA) 7 $845,000 $120,714 $3,620 3.05%
TOLEDO, OH (FHA|USDA|VA) 7 $805,000 $115,000 $4,604 3.38%
Laurel, MS (FHA|USDA|VA) 5 $805,000 $161,000 $3,646 3.18%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 5 $805,000 $161,000 $3,648 3.33%
Tullahoma-Manchester, TN (FHA|USDA|VA) 3 $805,000 $268,333 $11,876 2.92%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 4 $780,000 $195,000 $6,822 3.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $770,000 $385,000 $2,435 2.63%
ROCKFORD, IL (FHA|USDA|VA) 4 $760,000 $190,000 $4,487 3.25%
Whitewater, WI (FHA|USDA|VA) 4 $760,000 $190,000 $2,426 3.03%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 4 $740,000 $185,000 $6,754 4.44%
Payson, AZ (FHA|USDA|VA) 3 $725,000 $241,667 $11,082 2.96%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $725,000 $241,667 $4,239 2.75%
Fort Dodge, IA (FHA|USDA|VA) 6 $720,000 $120,000 $4,973 3.23%
BOISE CITY, ID (FHA|USDA|VA) 3 $705,000 $235,000 $7,338 3.08%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $695,000 $231,667 $1,956 2.50%
MUNCIE, IN (FHA|USDA|VA) 4 $690,000 $172,500 $2,223 2.81%
TUSCALOOSA, AL (FHA|USDA|VA) 3 $685,000 $228,333 $4,559 3.00%
RENO, NV (FHA|USDA|VA) 2 $680,000 $340,000 $5,266 2.19%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $670,000 $335,000 $4,809 2.38%
BATON ROUGE, LA (FHA|USDA|VA) 3 $665,000 $221,667 $5,317 2.96%
EL PASO, TX (FHA|USDA|VA) 2 $660,000 $330,000 $8,312 2.75%
Kalispell, MT (FHA|USDA|VA) 2 $660,000 $330,000 $2,933 2.44%
KANKAKEE, IL (FHA|USDA|VA) 3 $655,000 $218,333 $3,499 3.04%
BILLINGS, MT (FHA|USDA|VA) 2 $640,000 $320,000 $2,641 2.69%
FORT COLLINS, CO (FHA|USDA|VA) 1 $625,000 $625,000 $1,947 2.38%
WACO, TX (FHA|USDA|VA) 2 $620,000 $310,000 $2,974 3.13%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $610,000 $152,500 $4,331 3.09%
Holland, MI (FHA|USDA|VA) 3 $605,000 $201,667 $4,118 2.54%
ROANOKE, VA (FHA|USDA|VA) 5 $605,000 $121,000 $4,885 3.18%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 3 $605,000 $201,667 $4,517 3.17%
NEW BERN, NC (FHA|USDA|VA) 2 $600,000 $300,000 $8,767 2.56%
WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $595,000 $198,333 $2,510 3.17%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $590,000 $295,000 $1,758 2.31%
LANCASTER, PA (FHA|USDA|VA) 2 $590,000 $295,000 $7,841 2.63%
Findlay, OH (FHA|USDA|VA) 3 $575,000 $191,667 $3,095 3.21%
Augusta-Waterville, ME (FHA|USDA|VA) 2 $570,000 $285,000 $8,159 3.19%
Decatur, IN (FHA|USDA|VA) 4 $570,000 $142,500 $5,918 3.50%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $560,000 $280,000 $4,733 2.56%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $560,000 $280,000 $3,247 3.31%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $555,000 $555,000 $11,344 2.75%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $550,000 $275,000 $9,193 2.63%
PROVO-OREM, UT (FHA|USDA|VA) 1 $535,000 $535,000 $8,412 2.88%
COLUMBIA, MO (FHA|USDA|VA) 2 $530,000 $265,000 $5,181 3.63%
JACKSON, MI (FHA|USDA|VA) 2 $530,000 $265,000 $5,490 3.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $530,000 $265,000 $5,946 2.88%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $525,000 $525,000 $2,889 3.25%
Traverse City, MI (FHA|USDA|VA) 2 $520,000 $260,000 $10,983 3.31%
SPRINGFIELD, OH (FHA|USDA|VA) 4 $510,000 $127,500 $2,819 3.22%
ST. CLOUD, MN (FHA|USDA|VA) 3 $505,000 $168,333 $3,928 2.79%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $500,000 $250,000 $6,309 3.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 3 $495,000 $165,000 $5,131 2.83%
MOBILE, AL (FHA|USDA|VA) 3 $495,000 $165,000 $5,436 3.21%
DUBUQUE, IA (FHA|USDA|VA) 3 $485,000 $161,667 $5,616 2.92%
Shawano, WI (FHA|USDA|VA) 1 $485,000 $485,000 $2,451 3.25%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $485,000 $161,667 $2,774 2.17%
Mason City, IA (FHA|USDA|VA) 2 $470,000 $235,000 $3,191 3.06%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $470,000 $235,000 $4,574 2.56%
WILMINGTON, NC (FHA|USDA|VA) 2 $470,000 $235,000 $3,368 2.75%
GREELEY, CO (FHA|USDA|VA) 1 $465,000 $465,000 $14,729 2.50%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $465,000 $465,000 $1,534 3.00%
Hutchinson, KS (FHA|USDA|VA) 2 $460,000 $230,000 $6,270 3.31%
Roswell, NM (FHA|USDA|VA) 1 $455,000 $455,000 $5,245 2.25%
PITTSFIELD, MA (FHA|USDA|VA) 1 $455,000 $455,000 $4,478 2.38%
ANN ARBOR, MI (FHA|USDA|VA) 2 $440,000 $220,000 $6,290 2.75%
MORGANTOWN, WV (FHA|USDA|VA) 2 $440,000 $220,000 $4,623 3.13%
DOVER, DE (FHA|USDA|VA) 3 $435,000 $145,000 $2,164 3.08%
Brainerd, MN (FHA|USDA|VA) 1 $425,000 $425,000 $4,932 2.75%
Jefferson, GA (FHA|USDA|VA) 1 $405,000 $405,000 $11,584 3.00%
Athens, TX (FHA|USDA|VA) 1 $405,000 $405,000 $12,885 4.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $405,000 $405,000 $4,555 2.88%
Bluffton, IN (FHA|USDA|VA) 2 $400,000 $200,000 $5,458 3.69%
BANGOR, ME (FHA|USDA|VA) 2 $400,000 $200,000 $3,973 2.81%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $395,000 $395,000 $5,879 3.63%
Defiance, OH (FHA|USDA|VA) 3 $395,000 $131,667 $5,355 3.92%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $395,000 $395,000 $6,121 4.00%
Faribault-Northfield, MN (FHA|USDA|VA) 3 $395,000 $131,667 $3,394 3.75%
AKRON, OH (FHA|USDA|VA) 2 $390,000 $195,000 $3,457 3.06%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $385,000 $385,000 $3,794 2.38%
Red Wing, MN (FHA|USDA|VA) 2 $380,000 $190,000 $3,407 2.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $375,000 $375,000 $1,090 2.38%
MODESTO, CA (FHA|USDA|VA) 1 $375,000 $375,000 $4,847 3.13%
GREENVILLE, NC (FHA|USDA|VA) 1 $375,000 $375,000 $2,859 2.25%
BELLINGHAM, WA (FHA|USDA|VA) 1 $365,000 $365,000 $5,293 2.00%
Fergus Falls, MN (FHA|USDA|VA) 1 $365,000 $365,000 $2,286 2.63%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $360,000 $180,000 $3,248 3.06%
SANTA FE, NM (FHA|USDA|VA) 1 $355,000 $355,000 $2,818 2.50%
Emporia, KS (FHA|USDA|VA) 1 $355,000 $355,000 $12,244 3.88%
LINCOLN, NE (FHA|USDA|VA) 1 $355,000 $355,000 $24,117 2.13%
CHEYENNE, WY (FHA|USDA|VA) 1 $355,000 $355,000 $3,978 2.75%
Vineyard Haven, MA (FHA|USDA|VA) 1 $355,000 $355,000 $7,471 2.13%
Lebanon, NH-VT (FHA|USDA|VA) 2 $350,000 $175,000 $2,992 2.81%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $345,000 $345,000 $3,927 3.25%
Marinette, WI-MI (FHA|USDA|VA) 2 $340,000 $170,000 $5,885 3.44%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $335,000 $335,000 $19,726 2.25%
Glenwood Springs, CO (FHA|USDA|VA) 1 $335,000 $335,000 $12,440 2.00%
Pierre, SD (FHA|USDA|VA) 1 $335,000 $335,000 $7,030 2.25%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 2 $330,000 $165,000 $2,587 3.06%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $325,000 $325,000 $6,119 2.75%
ST. GEORGE, UT (FHA|USDA|VA) 1 $325,000 $325,000 $1,126 2.63%
Boone, NC (FHA|USDA|VA) 1 $325,000 $325,000 $1,913 2.75%
FORT WAYNE, IN (FHA|USDA|VA) 3 $325,000 $108,333 $3,460 2.79%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $15,313 2.88%
Willmar, MN (FHA|USDA|VA) 1 $305,000 $305,000 $2,708 3.38%
Helena, MT (FHA|USDA|VA) 1 $305,000 $305,000 $1,505 2.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $300,000 $150,000 $3,585 3.19%
FLINT, MI (FHA|USDA|VA) 2 $300,000 $150,000 $2,845 3.38%
Barre, VT (FHA|USDA|VA) 1 $295,000 $295,000 $8,033 2.00%
Coos Bay, OR (FHA|USDA|VA) 1 $295,000 $295,000 $3,194 2.63%
Keene, NH (FHA|USDA|VA) 1 $295,000 $295,000 $1,008 2.25%
BURLINGTON, NC (FHA|USDA|VA) 1 $295,000 $295,000 $12,050 2.63%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $295,000 $295,000 $9,308 2.88%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $285,000 $285,000 $1,126 2.25%
Effingham, IL (FHA|USDA|VA) 1 $285,000 $285,000 $3,352 3.50%
Show Low, AZ (FHA|USDA|VA) 1 $285,000 $285,000 $3,002 2.25%
LAFAYETTE, LA (FHA|USDA|VA) 1 $275,000 $275,000 $1,771 2.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $275,000 $275,000 $8,177 2.38%
Ontario, OR-ID (FHA|USDA|VA) 1 $275,000 $275,000 $4,955 2.00%
LAS CRUCES, NM (FHA|USDA|VA) 1 $275,000 $275,000 $2,610 2.50%
Williston, ND (FHA|USDA|VA) 1 $275,000 $275,000 $5,511 2.38%
Ruidoso, NM (FHA|USDA|VA) 1 $275,000 $275,000 $8,019 2.25%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $275,000 $275,000 $3,278 2.38%
Richmond, IN (FHA|USDA|VA) 3 $265,000 $88,333 $3,837 2.42%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $265,000 $265,000 $5,010 2.88%
Morehead City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,970 2.63%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $255,000 $255,000 $3,724 3.25%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $255,000 $255,000 $7,820 2.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $255,000 $255,000 $5,204 2.38%
ASHEVILLE, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,809 2.63%
BISMARCK, ND (FHA|USDA|VA) 1 $255,000 $255,000 $2,717 2.13%
Montrose, CO (FHA|USDA|VA) 1 $255,000 $255,000 $6,895 2.88%
Bozeman, MT (FHA|USDA|VA) 1 $255,000 $255,000 $1,113 2.38%
NILES, MI (FHA|USDA|VA) 2 $250,000 $125,000 $3,361 3.13%
MIDLAND, TX (FHA|USDA|VA) 1 $245,000 $245,000 $10,472 3.13%
Georgetown, SC (FHA|USDA|VA) 1 $245,000 $245,000 $4,166 3.13%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $240,000 $120,000 $3,377 3.25%
Scottsboro, AL (FHA|USDA|VA) 1 $235,000 $235,000 $6,506 2.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $235,000 $235,000 $2,135 2.50%
IOWA CITY, IA (FHA|USDA|VA) 1 $235,000 $235,000 $2,886 3.38%
HINESVILLE, GA (FHA|USDA|VA) 1 $235,000 $235,000 $8,340 2.75%
Stevens Point, WI (FHA|USDA|VA) 2 $230,000 $115,000 $4,169 3.13%
Owatonna, MN (FHA|USDA|VA) 1 $225,000 $225,000 $7,233 4.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $225,000 $225,000 $5,479 3.00%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $225,000 $225,000 $3,260 2.25%
Auburn, IN (FHA|USDA|VA) 1 $225,000 $225,000 $2,701 3.25%
BECKLEY, WV (FHA|USDA|VA) 1 $225,000 $225,000 $1,156 2.38%
Okeechobee, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,835 2.25%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $225,000 $225,000 $10,425 2.75%
Corsicana, TX (FHA|USDA|VA) 1 $225,000 $225,000 $4,441 3.13%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $215,000 $215,000 $3,709 3.38%
Ludington, MI (FHA|USDA|VA) 1 $205,000 $205,000 $2,385 3.00%
Batesville, AR (FHA|USDA|VA) 1 $205,000 $205,000 $2,859 3.88%
MEDFORD, OR (FHA|USDA|VA) 1 $205,000 $205,000 $7,611 2.25%
Brevard, NC (FHA|USDA|VA) 1 $205,000 $205,000 $2,773 2.75%
Frankfort, KY (FHA|USDA|VA) 1 $205,000 $205,000 $3,162 3.38%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,541 3.00%
Del Rio, TX (FHA|USDA|VA) 1 $205,000 $205,000 $9,248 3.25%
Cookeville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $3,457 3.13%
Crossville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $5,169 3.38%
Grand Rapids, MN (FHA|USDA|VA) 1 $195,000 $195,000 $2,799 2.88%
Stephenville, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,402 3.25%
Paris, TX (FHA|USDA|VA) 1 $185,000 $185,000 $7,612 3.00%
Aberdeen, SD (FHA|USDA|VA) 1 $185,000 $185,000 $5,485 3.00%
Wooster, OH (FHA|USDA|VA) 1 $185,000 $185,000 $1,448 3.25%
DALTON, GA (FHA|USDA|VA) 2 $180,000 $90,000 $3,820 1.88%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $175,000 $175,000 $3,692 2.88%
PEORIA, IL (FHA|USDA|VA) 1 $175,000 $175,000 $5,773 3.63%
Hutchinson, MN (FHA|USDA|VA) 1 $165,000 $165,000 $6,110 3.25%
SUMTER, SC (FHA|USDA|VA) 1 $165,000 $165,000 $6,618 4.88%
Washington, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,157 3.88%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 1 $165,000 $165,000 $4,870 3.25%
Ashtabula, OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,954 3.75%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $165,000 $165,000 $2,741 3.13%
Kendallville, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,900 3.38%
Sanford, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,798 2.63%
Ozark, AL (FHA|USDA|VA) 1 $155,000 $155,000 $6,637 2.88%
Enterprise, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,779 3.25%
MANHATTAN, KS (FHA|USDA|VA) 1 $155,000 $155,000 $2,784 3.13%
WICHITA, KS (FHA|USDA|VA) 1 $145,000 $145,000 $5,182 3.63%
Ottawa, IL (FHA|USDA|VA) 1 $145,000 $145,000 $9,334 3.50%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $145,000 $145,000 $5,691 3.13%
MONROE, MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,406 2.63%
Wapakoneta, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,044 2.75%
Warsaw, IN (FHA|USDA|VA) 1 $135,000 $135,000 $873 3.00%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $135,000 $135,000 $1,934 2.75%
ROCHESTER, MN (FHA|USDA|VA) 1 $135,000 $135,000 $5,665 3.25%
Coshocton, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,972 2.88%
Elizabeth City, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,797 3.25%
GREEN BAY, WI (FHA|USDA|VA) 1 $125,000 $125,000 $3,808 3.25%
Carroll, IA (FHA|USDA|VA) 1 $125,000 $125,000 $5,661 2.88%
VALDOSTA, GA (FHA|USDA|VA) 1 $125,000 $125,000 $5,348 3.50%
New Castle, PA (FHA|USDA|VA) 1 $115,000 $115,000 $2,816 2.63%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $115,000 $115,000 $5,257 2.63%
Bedford, IN (FHA|USDA|VA) 1 $115,000 $115,000 $4,074 3.38%
Altus, OK (FHA|USDA|VA) 1 $115,000 $115,000 $5,628 5.00%
Fairmont, WV (FHA|USDA|VA) 1 $115,000 $115,000 $4,740 2.88%
ALBANY, GA (FHA|USDA|VA) 1 $115,000 $115,000 $5,726 3.50%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $115,000 $115,000 $4,463 4.13%
Atmore, AL (FHA|USDA|VA) 1 $105,000 $105,000 $3,305 2.75%
Mount Sterling, KY (FHA|USDA|VA) 1 $105,000 $105,000 $2,886 2.88%
Manitowoc, WI (FHA|USDA|VA) 1 $85,000 $85,000 $5,747 2.25%
Lincoln, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,255 4.00%
Lebanon, MO (FHA|USDA|VA) 1 $85,000 $85,000 $2,089 3.50%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $85,000 $85,000 $2,529 3.38%
Cambridge, OH (FHA|USDA|VA) 1 $85,000 $85,000 $3,752 3.63%
Burlington, IA-IL (FHA|USDA|VA) 1 $85,000 $85,000 $4,460 2.63%
Plymouth, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,613 4.63%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $55,000 $55,000 $3,090 4.50%
Ixonia Bank's top markets include Minneapolis, Milwaukee, Chicago, Des Moines, and Nashville among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,362 $882,400,000 $262,463 $4,011 3.13%
    FHA 813 $188,055,000 $231,310 $8,411 3.33%
    VA 326 $99,360,000 $304,785 $6,794 2.87%
    USDA 152 $23,450,000 $154,276 $4,990 3.27%

    For 2021, Ixonia Bank's most frequently originated type of loan was Conventional, with 3,362 originations. Their 2nd most popular type was FHA, with 813 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,759 $701,535,000 $254,271 $5,657 3.25%
    Refi 1,160 $309,890,000 $267,147 $3,611 2.87%
    Cash Out Refi 653 $160,655,000 $246,026 $4,864 3.20%
    Other 70 $19,480,000 $278,286 $4,229 3.23%
    Home Improvement 11 $1,705,000 $155,000 $3,373 3.35%

    For 2021, Ixonia Bank's most frequently cited loan purpose was Home Purchase, with 2,759 originations. The 2nd most popular reason was Refi, with 1,160 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,026 $1,060,520,000 $263,418 $5,319 3.24%
    15 Year 364 $80,900,000 $222,253 $3,200 2.57%
    20 Year 148 $37,490,000 $253,311 $3,489 2.90%
    10 Year 54 $4,890,000 $90,556 $1,422 2.07%
    Other 34 $8,000,000 $235,294 $3,502 2.99%
    3 Year 26 $690,000 $26,538 $9 0.36%
    5 Year 1 $775,000 $775,000 $0 3.25%

    For 2021, Ixonia Bank's most frequently cited loan duration was 30 Year, with 4,026 originations. The 2nd most popular length was 15 Year, with 364 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 2,735 $674,735,000 $246,704
    $<1k 664 $151,130,000 $227,605
    $2k-3k 528 $136,440,000 $258,409
    $3k-4k 306 $83,880,000 $274,118
    $5k+ 265 $102,185,000 $385,604
    $4k-5k 150 $43,100,000 $287,333

    Ixonia Bank's average total fees were $5,319, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,735 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,591 $668,125,000 $257,864
    2.5-3% 1,374 $366,180,000 $266,507
    <2.5% 475 $110,895,000 $233,463
    4-5% 209 $47,215,000 $225,909
    5-6% 4 $850,000 $212,500

    During 2021, Ixonia Bank's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 3-4%, with 2,591 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,236 $634,550,000 $283,788 $5,526 3.16%
    $100k-200k 1,431 $219,825,000 $153,616 $4,219 3.20%
    $400k-600k 501 $237,545,000 $474,142 $6,204 3.13%
    $100,000 or less 396 $25,270,000 $63,813 $2,708 2.89%
    $600k-1MM 68 $48,980,000 $720,294 $8,078 3.11%
    $1MM+ 21 $27,095,000 $1,290,238 $8,939 3.27%

    2021 saw Ixonia Bank place emphasis on $200k-400k loans with 2,236 originations, totaling $634,550,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,187 $248,425,000 $209,288 $5,198 3.15%
    $100k-150k 920 $268,510,000 $291,859 $4,957 3.17%
    $75k-100k 906 $234,850,000 $259,216 $5,406 3.19%
    $50k or less 811 $121,175,000 $149,414 $4,705 3.17%
    $150k-250k 513 $188,405,000 $367,261 $4,646 3.12%
    $250k+ 196 $96,730,000 $493,520 $5,192 3.16%

    Ixonia Bank lent most frequently to those with incomes in the $50k-75k range, with 1,187 originations. The second most popular income band? $100k-150k, with 920 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 942 $231,910,000 $246,189 $3,994 3.05%
    30-36% 779 $200,325,000 $257,157 $4,703 3.17%
    <20% 311 $72,525,000 $233,199 $3,541 2.90%
    50-60% 304 $76,800,000 $252,632 $8,274 3.19%
    42% 188 $50,460,000 $268,404 $4,909 3.27%
    44% 185 $48,145,000 $260,243 $5,324 3.28%
    38% 171 $45,425,000 $265,643 $5,089 3.18%
    39% 170 $43,640,000 $256,706 $5,234 3.26%
    40% 170 $42,970,000 $252,765 $4,951 3.23%
    49% 168 $47,630,000 $283,512 $6,275 3.26%
    43% 166 $42,280,000 $254,699 $5,159 3.24%
    41% 163 $43,965,000 $269,724 $5,089 3.22%
    37% 158 $38,880,000 $246,076 $4,844 3.17%
    45% 147 $37,445,000 $254,728 $5,673 3.27%
    36% 135 $34,075,000 $252,407 $5,137 3.28%
    46% 124 $31,800,000 $256,452 $5,660 3.16%
    47% 115 $31,725,000 $275,870 $5,934 3.24%
    48% 108 $30,160,000 $279,259 $5,805 3.21%
    >60% 12 $4,250,000 $354,167 $8,714 2.92%

    Ixonia Bank lent most frequently to those with DTI ratios of 20-30%, with 942 originations. The next most common DTI ratio? 30-36%, with 779 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,452 $886,920,000 $256,929 $4,793 3.15%
    Not provided 532 $140,820,000 $264,699 $4,905 3.06%
    Black 463 $113,295,000 $244,698 $6,878 3.18%
    Asian 145 $36,085,000 $248,862 $4,436 3.23%
    Asian Indian 17 $5,255,000 $309,118 $5,344 3.41%
    American Indian 22 $5,180,000 $235,455 $5,713 3.46%
    Other Pacific Islander 6 $1,410,000 $235,000 $6,836 2.81%
    Not applicable 3 $1,325,000 $441,667 $0 4.17%
    Native Hawaiian or Islander 4 $1,280,000 $320,000 $6,214 3.09%
    Other Asian 4 $780,000 $195,000 $2,344 3.41%
    Korean 3 $565,000 $188,333 $3,306 2.75%
    Vietnamese 2 $350,000 $175,000 $3,455 2.94%

    Approval Rates

    Total approvals of all applications
    95.11%

    Ixonia 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 origination
    69.91%

    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 4,653 $1,193,265,000 $256,451

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,653 $1,193,265,000 $256,451

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 133 $27,035,000 $203,271 $3,221 2.73%
    40-60% 486 $121,180,000 $249,342 $3,572 2.88%
    60-80% 1,476 $398,980,000 $270,312 $4,263 3.20%
    80-100% 2,410 $624,810,000 $259,257 $5,845 3.27%
    Over 100% 61 $18,965,000 $310,902 $12,073 3.18%
    Under 20% 87 $2,295,000 $26,379 $373 1.08%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Ixonia Bank 109 Oakridge Court Watertown, WI 53094 Full Service B&M $80,906
    Ixonia Bank 1223 East Summit Avenue Oconomowoc, WI 53066 Full Service B&M $70,636
    Ixonia Bank 1725 South Church Street Watertown, WI 53094 Full Service B&M $75,016
    Ixonia Bank 491 North Main Street Dousman, WI 53118 Full Service B&M $44,172
    Ixonia Bank 611 E Wisconsin Ave Milwaukee, WI 53202 Full Service B&M $11,422
    Ixonia Bank W 1046 Marietta Ave Ixonia, WI 53036 Full Service B&M $128,993
    Ixonia Bank W359n5002 Brown Street Oconomowoc, WI 53066 Full Service B&M $57,833

    For 2021, Ixonia Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $23,511
    Net interest income $21,160
    Total noninterest income $52,410
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $406
    Trading account gains and fees $0
    Additional Noninterest Income $52,004
    Pre-tax net operating income $7,360
    Securities gains (or losses, -) $179
    Income before extraordinary items $5,423
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $5,423
    Minority interest net income $0
    Net income $5,423
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $5,281

    Ixonia Bank's gross interest income from loans was $23,511,000.
    Ixonia Bank's net interest income from loans was $21,160,000.
    Ixonia Bank's fee based income from loans was $406,000.
    Ixonia Bank's net income from loans was $5,423,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,351
    Provision for credit losses $0
    Total noninterest expense $66,210
    Salaries and employee benefits $45,475
    Premises and equipment expense $4,254
    Additional noninterest expense $16,481
    Applicable income taxes $2,116
    Net charge-offs $-236
    Cash dividends $0

    Ixonia Bank's interest expense for loans was $2,351,000.
    Ixonia Bank's payroll and benefits expense were $45,475,000.
    Ixonia Bank's property, plant and equipment expenses $4,254,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $511,505
    Deposits held in domestic offices $511,505
    Deposits by Individuals, partnerships, and corporations $498,146
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $13,106
    Deposits by Commercial banks and other depository institutions in U.S. $248
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $170,100
    Demand deposits $105,268
    Nontransaction accounts $341,404
    Money market deposit accounts (MMDAs) $184,839
    Other savings deposits (excluding MMDAs) $63,386
    Total time deposits $93,179
    Total time and savings deposits $406,236
    Noninterest-bearing deposits $93,444
    Interest-bearing deposits $418,061
    Retail deposits $473,951
    IRAs and Keogh plan accounts $14,349
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $589,632
    Cash & Balances due from depository institutions $55,478
    Interest-bearing balances $44,534
    Total securities $191,448
    Federal funds sold & reverse repurchase $18,602
    Net loans and leases $282,053
    Loan and leases loss allowance $3,095
    Trading account assets $0
    Bank premises and fixed assets $11,829
    Other real estate owned $3,016
    Goodwill and other intangibles $4,737
    All other assets $22,469

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $589,632
    Total Liabilities $530,819
    Total deposits $511,505
    Interest-bearing deposits $418,061
    Deposits held in domestic offices $511,505
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $6,243
    Subordinated debt $0
    All other liabilities $13,071

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $282,053
    Loan and leases loss allowance $3,095
    Total loans and leases (domestic) $285,148
    All real estate loans $182,848
    Real estate loans in domestic offices $182,848
    Construction and development loans $21,747
    Residential 1-4 family construction $947
    Other construction, all land development and other land $20,800
    Loans secured by nonfarm nonresidential properties $82,970
    Nonfarm nonresidential secured by owner-occupied properties $64,787
    Commercial real estate & other non-farm, non-residential $18,183
    Multifamily residential real estate $7,728
    1-4 family residential loans $70,049
    Farmland loans $354
    Loans held in foreign offices $0
    Farm loans $134
    Commercial and industrial loans $101,370
    To non-U.S. addressees $0
    Loans to individuals $295
    Credit card loans $231
    Related Plans $3
    Consumer Auto Loans $37
    Other loans to individuals $24
    All other loans & leases $500
    Loans to foreign governments and official institutions $0
    Other loans $108
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Ixonia Bank had $282,053,000 of loans outstanding in 2021. $182,848,000 of loans were in real estate loans. $21,747,000 of loans were in development loans. $7,728,000 of loans were in multifamily mortgage loans. $70,049,000 of loans were in 1-4 family mortgage loans. $134,000 of loans were in farm loans. $231,000 of loans were in credit card loans. $37,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 124 $28,629 $230,879
    Nonfarm, nonresidential loans - <$100k 30 $866 $28,867
    Nonfarm, nonresidential loans - $100-250k 37 $4,323 $116,838
    Nonfarm, nonresidential loans - $250k-1MM 57 $23,440 $411,228
    Commercial & Industrial, US addressed loans - <$1MM 308 $32,076 $104,143
    Commercial & Industrial, US addressed loans - <$100k 150 $3,378 $22,520
    Commercial & Industrial, US addressed loans - $100-250k 73 $5,817 $79,685
    Commercial & Industrial, US addressed loans - $250k-1MM 85 $22,881 $269,188
    Farmland loans - <$1MM 11 $354 $32,182
    Farmland loans - <$100k 9 $272 $30,222
    Farmland loans - $100-250k 2 $82 $41,000
    Agriculture operations loans - <$1MM 3 $134 $44,667
    Agriculture operations loans - <$100k 3 $134 $44,667