Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | Nicolet National Bank | Fox Communities Credit |
|---|---|---|
| Total Applications | 3,899 ▲ | 2,731 |
| Loans Originated | 2,667 | 2,236 |
| Approval Rate (higher is better) | 68.4% | 81.9% ✓ |
| Denial Rate (lower is better) | 3.9% ✓ | 4.8% |
| Avg Loan Amount | $254,782 | $141,342 |
| Avg Interest Rate (lower is better) | 7.746% | 7.072% ✓ |
| Avg Applicant Income | $36,000 | $35,000 |
| Applications Denied | 150 | 132 |
| Applications Withdrawn | 244 | 2 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | Nicolet National Bank | Fox Communities Credit |
|---|---|---|
| Conventional | 3,898 (100.0%) | 2,731 (100.0%) |
| FHA | — | — |
| VA | 1 (0.0%) | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | Nicolet National Bank | Fox Communities Credit |
|---|---|---|
| Home Purchase | 2,451 | 700 |
| Home Improvement | 604 | 54 |
| Refinancing | 418 | 174 |
| Other | 320 | 1,547 |
| Cash-out Refinancing | 106 | 256 |
Top States by Loan Volume
Summary
- 3,899 total applications · 2,667 originated
- Approval rate: 68.4%
- Denial rate: 3.9%
- Avg loan: $254,782
- Avg rate: 7.746%
- HQ: Green Bay, WI
- 2,731 total applications · 2,236 originated
- Approval rate: 81.9%
- Denial rate: 4.8%
- Avg loan: $141,342
- Avg rate: 7.072%
- HQ: Appleton, WI
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.