Horicon Bank mortgage approval rate & lending review
Horicon Bank decided 587 mortgage applications and funded 537 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Horicon Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Horicon Bank at a glance
Approval is 10.7 points above the 82.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 267 / 283 | 99% | $225K | 264 |
| Home improvement loans | 79% | 30 / 38 | 100% | $35K | 30 |
| Cash-out refinance | 84% | 57 / 68 | 98% | $115K | 56 |
| Refinance | 82% | 33 / 40 | 100% | $155K | 33 |
| Investment property purchase | 99% | 102 / 103 | 97% | $165K | 99 |
| Investment refinance | 100% | 52 / 52 | 100% | $95K | 52 |
Horicon Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 93% | $165K | 585 | 535 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Horicon Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fond du Lac County, WI | Mortgage lenders | 91% | 128 | 115 |
| Washington County, WI | Mortgage lenders | 99% | 70 | 67 |
| Fond du Lac County, WI | Investment property purchase | 98% | 43 | 42 |
| Winnebago County, WI | Mortgage lenders | 94% | 34 | 32 |
| Fond du Lac County, WI | Cash-out refinance | 87% | 31 | 27 |
| Winnebago County, WI | Investment property purchase | 100% | 21 | 21 |
| Fond du Lac County, WI | Refinance | 86% | 21 | 18 |
The county markets where Horicon Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Horicon Bank
What is Horicon Bank's mortgage approval rate?
Horicon Bank approved 92.7% of the 587 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.7 points above the 82.0% national rate for the same mix of loan types.
How often do borrowers take the loan Horicon Bank offers?
Borrowers accepted 99% of the loans Horicon Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Horicon Bank make?
The typical home purchase mortgage loan Horicon Bank made was $225K; across all loan types its typical loan ran from $35K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Horicon Bank lend?
Horicon Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Wisconsin, Florida and Illinois.
Can I apply to Horicon Bank directly?
Yes. Horicon Bank is a bank or credit union with 19 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Horicon Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Horicon Bank treats applications, then get a rate quote from the lender.