Nicolet National Bank mortgage approval rate & lending review
Nicolet National Bank decided 3,455 mortgage applications and funded 3,321 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Nicolet National Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Nicolet National Bank at a glance
Approval is 16.8 points above the 80.4% 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 | 99% | 1,640 / 1,663 | 99% | $285K | 1,621 |
| Home improvement loans | 95% | 607 / 639 | 99% | $65K | 599 |
| Cash-out refinance | 87% | 71 / 82 | 97% | $195K | 69 |
| Refinance | 95% | 450 / 476 | 99% | $155K | 444 |
| Investment property purchase | 99% | 492 / 496 | 100% | $195K | 492 |
| Investment refinance | 98% | 47 / 48 | 100% | $135K | 47 |
| Investment home improvement | 96% | 43 / 45 | 100% | $65K | 43 |
Nicolet National Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 97% | $195K | 3,202 | 3,076 |
| Minnesota | 100% | $325K | 65 | 64 |
| Florida | 98% | $435K | 59 | 58 |
| Michigan | 94% | $325K | 31 | 28 |
| Illinois | 100% | $225K | 22 | 22 |
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 Nicolet National Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Brown County, WI | Mortgage lenders | 99% | 631 | 619 |
| Outagamie County, WI | Mortgage lenders | 99% | 307 | 302 |
| Brown County, WI | Home improvement loans | 94% | 285 | 265 |
| Winnebago County, WI | Mortgage lenders | 98% | 241 | 234 |
| Brown County, WI | Refinance | 95% | 234 | 218 |
| Marathon County, WI | Mortgage lenders | 97% | 205 | 195 |
| Brown County, WI | Investment property purchase | 99% | 143 | 141 |
| Winnebago County, WI | Home improvement loans | 94% | 107 | 99 |
| Outagamie County, WI | Home improvement loans | 95% | 95 | 89 |
| Eau Claire County, WI | Mortgage lenders | 98% | 83 | 81 |
| Winnebago County, WI | Investment property purchase | 98% | 80 | 78 |
| Marathon County, WI | Home improvement loans | 97% | 79 | 76 |
The county markets where Nicolet National Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Nicolet National Bank
What is Nicolet National Bank's mortgage approval rate?
Nicolet National Bank approved 97.1% of the 3,455 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 16.8 points above the 80.4% national rate for the same mix of loan types.
How often do borrowers take the loan Nicolet National Bank offers?
Borrowers accepted 99% of the loans Nicolet National 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 Nicolet National Bank make?
The typical home purchase mortgage loan Nicolet National Bank made was $285K; across all loan types its typical loan ran from $65K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Nicolet National Bank lend?
Nicolet National Bank decided applications in 29 of the states Fat Boy Data covers, most of them in Wisconsin, Minnesota and Florida.
Can I apply to Nicolet National Bank directly?
Yes. Nicolet National Bank is a bank or credit union with 117 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Nicolet National 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 Nicolet National Bank treats applications, then get a rate quote from the lender.