Ixonia Bank: 2025 mortgage rates, costs & approvals
How Ixonia Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Ixonia Bank · LEI 549300T9P3WXNMXX0I34
In 2025, Ixonia Bank originated 7,233 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 49 states — 82nd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 35 basis points above the national median. Median conventional loan costs were $5,820, 4% higher than the national median ($5,570).
It denied 4.0% of completed home-purchase applications (all lenders: 8.5%).
How Ixonia Bank priced home-purchase loans
| Purchase loans, 2025 | Ixonia Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.625% | 6.125% |
| 15-year fixed rate · conventional | 6.125% | 5.875% |
| Rate spread vs. APOR · conventional | +0.48 pts | +0.13 pts |
| Total loan costs · conventional | $5,820 | $5,570 |
| Total loan costs · FHA | $10,510 | $11,310 |
| Total loan costs · VA | $7,540 | $6,490 |
| Origination charges (all types) | $2,720 | $1,860 |
| Borrowers paying discount points | 57.3% | 51.3% |
| Points paid, when paid (% of loan) | 0.95% | 0.87% |
| Borrowers receiving lender credits | 29.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Ixonia Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Ixonia Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Wisconsin | 1,075 | 1,118 | 3.4% | 6.875% | $3,780 |
| Pennsylvania | 1,004 | 1,050 | 3.2% | 6.750% | $6,260 |
| Ohio | 963 | 1,000 | 2.0% | 6.875% | $5,900 |
| North Carolina | 656 | 673 | 1.8% | 6.875% | $5,250 |
| Florida | 533 | 583 | 7.5% | 6.750% | $7,690 |
| Illinois | 480 | 503 | 4.1% | 6.990% | $7,510 |
| Indiana | 357 | 378 | 4.9% | 6.875% | $4,640 |
| Tennessee | 277 | 300 | 7.4% | 6.750% | $6,450 |
| Virginia | 213 | 223 | 3.5% | 6.625% | $7,350 |
| Texas | 195 | 206 | 4.4% | 6.990% | $7,220 |
| Colorado | 185 | 196 | 3.4% | 6.990% | $5,510 |
| Kentucky | 182 | 192 | 4.6% | 6.990% | $4,890 |
| Connecticut | 175 | 189 | 7.6% | 6.875% | $6,600 |
| Minnesota | 113 | 115 | 1.1% | 6.875% | $5,100 |
| Georgia | 83 | 97 | 9.6% | 6.875% | $9,030 |
| New York | 83 | 87 | 5.5% | 6.625% | $5,860 |
| South Carolina | 79 | 84 | 4.2% | 6.875% | $5,420 |
| Alabama | 78 | 82 | 4.0% | 6.500% | $5,020 |
| Massachusetts | 60 | 64 | 6.9% | 6.875% | $8,460 |
| Oklahoma | 53 | 54 | 2.1% | — | — |
| Oregon | 49 | 55 | 4.8% | 6.990% | $7,070 |
| Missouri | 43 | 47 | 6.8% | — | — |
| Nevada | 34 | 35 | 0.0% | — | — |
| Montana | 32 | 34 | 6.1% | 6.990% | $5,460 |
| New Jersey | 24 | 27 | — | — | — |
| Michigan | 21 | 25 | — | — | — |
| Arizona | 20 | 26 | 20.8% | — | — |
| Maryland | 18 | 20 | — | — | — |
| Maine | 18 | 20 | — | — | — |
| California | 15 | 16 | — | — | — |
| Washington | 14 | 14 | — | — | — |
| New Hampshire | 13 | 13 | — | — | — |
| Rhode Island | 11 | 12 | — | — | — |
| Mississippi | 10 | 11 | — | — | — |
| Arkansas | 10 | 10 | — | — | — |
| Utah | 9 | 11 | — | — | — |
| New Mexico | 9 | 10 | — | — | — |
| Kansas | 7 | 8 | — | — | — |
| Louisiana | 7 | 8 | — | — | — |
| Delaware | 5 | 6 | — | — | — |
| Iowa | 4 | 4 | — | — | — |
| West Virginia | 4 | 4 | — | — | — |
| Idaho | 3 | 3 | — | — | — |
| District of Columbia | 2 | 3 | — | — | — |
| Nebraska | 2 | 2 | — | — | — |
| Wyoming | 2 | 2 | — | — | — |
| Vermont | 1 | 2 | — | — | — |
| Alaska | 1 | 1 | — | — | — |
| North Dakota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Ixonia Bank's page for that state.
Counties where Ixonia Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bradford County, PA | 1 | 104 | 21.0% |
| Trumbull County, OH | 1 | 409 | 16.8% |
| Mercer County, PA | 1 | 127 | 12.4% |
| Reagan County, TX | 7 | 1 | 11.1% |
| Taylor County, WI | 4 | 18 | 8.4% |
| Mahoning County, OH | 3 | 229 | 8.3% |
| Lackawanna County, PA | 2 | 159 | 8.0% |
| Nelson County, VA | 2 | 12 | 7.8% |
| Columbiana County, OH | 3 | 79 | 7.5% |
| Jim Hogg County, TX | 9 | 1 | 7.1% |
| Wood County, WI | 4 | 57 | 6.4% |
| Highland County, VA | 9 | 1 | 6.3% |
| Iroquois County, IL | 2 | 15 | 5.9% |
| Pecos County, TX | 4 | 5 | 5.8% |
| Wyoming County, PA | 4 | 12 | 5.7% |
Check Ixonia Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300T9P3WXNMXX0I34.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Ixonia Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology