Wnb Financial N.a. Mortgage Rates, Fees & Info
Winona, MNLEI: 25490099UNYWX2PZ4J91
Tax ID: 41-0616710
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Wnb Financial N.a. is a smaller mortgage company specializing in Home Purchase loans. Wnb Financial N.a. has a high proportion of conventional loans. Their top markets by origination volume include: La Crosse, Winona, Rochester, Eau Claire, and Duluth among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)Wnb Financial N.a. 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. Wnb Financial N.a. is typically a low 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.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.82% | 4/5/25 |
| 30 Year Conventional Refi | 6.77% | 4/5/25 |
| 30 Year Cash-out Refi | 6.52% | 4/5/25 |
| 30 Year USDA Purchase | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 5.84% | 4/5/25 |
| 15 Year Conventional Refi | 5.81% | 4/5/25 |
| 15 Year Cash-out Refi | 5.81% | 4/5/25 |
| 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. | ||
Wnb Financial N.a. Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Wnb Financial N.a.. 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
153Origination Dollar Volume (All Markets)
$32,715,000Relative Rate
Wnb Financial N.a.'s average 30 year fixed mortgage rate was
6.76%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.21%.
Relative Fees (Closing Costs)
Wnb Financial N.a.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $4,594.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
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 |
|---|---|---|---|---|---|
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 50 | $11,560,000 | $231,200 | $3,623 | 6.96% |
| Outside of Metro Areas | 21 | $6,175,000 | $294,048 | $4,442 | 7.08% |
| Winona, MN (FHA|USDA|VA) | 34 | $5,230,000 | $153,824 | $2,718 | 7.12% |
| ROCHESTER, MN (FHA|USDA|VA) | 22 | $3,790,000 | $172,273 | $3,176 | 6.85% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 10 | $2,550,000 | $255,000 | $4,022 | 7.25% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $9,158 | 6.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $5,351 | 6.81% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 5 | $485,000 | $97,000 | $0 | 7.85% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,327 | 6.63% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,594 | 5.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.40% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,124 | 5.00% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,113 | 6.13% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,724 | 6.38% |
| Kirksville, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,747 | 6.88% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 7.18% |
Similar Lenders
We use machine learning to identify the top lenders compared against WNB Financial N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 33
Similarity Rank: 95
Similarity Rank: 108
Similarity Rank: 124
Similarity Rank: 204
Similarity Rank: 255
Similarity Rank: 260
Similarity Rank: 280
Similarity Rank: 296
Similarity Rank: 352
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 153 | $32,715,000 | $213,824 | $3,598 | 7.01% |
For 2024, Wnb Financial N.a.'s most frequently originated type of loan was Conventional, with 153 originations.
Loan Reason
For 2024, Wnb Financial N.a.'s most frequently cited loan purpose was Home Purchase, with 95 originations. The 2nd most popular reason was Refi, with 34 originations.
Loan Duration/Length
For 2024, Wnb Financial N.a.'s most frequently cited loan duration was 30 Year, with 59 originations. The 2nd most popular length was 5 Year, with 39 originations.
Origination Fees/Closing Costs
Wnb Financial N.a.'s average total fees were $4,594, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 33 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 7-8% | 61 | $11,725,000 | $192,213 |
| 6-7% | 51 | $14,505,000 | $284,412 |
| 5-6% | 23 | $4,535,000 | $197,174 |
| Over 8% | 14 | $960,000 | $68,571 |
| 4-5% | 4 | $990,000 | $247,500 |
During 2024, Wnb Financial N.a.'s average interest rate for loans was 6.76%, while their most frequently originated rate bucket for loans was 7-8%, with 61 originations.
Loan Sizing
2024 saw Wnb Financial N.a. place emphasis on $200k-400k loans with 56 originations, totaling $15,630,000 in origination value.
Applicant Income
Wnb Financial N.a. lent most frequently to those with incomes in the $100k-150k range, with 39 originations. The second most popular income band? $50k-75k, with 23 originations.
Applicant Debt to Income Ratio
Wnb Financial N.a. lent most frequently to those with DTI ratios of 20-30%, with 27 originations. The next most common DTI ratio? 30-36%, with 25 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.70%
Wnb Financial N.a. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination85.62%
Wnb Financial N.a. has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 153 | $32,715,000 | $213,824 |