Wnb Financial N.a. Mortgage Rates, Fees & Info
Winona, MNLEI: 25490099UNYWX2PZ4J91
Tax ID: 41-0616710
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Mortgage Data
Review & Overview
Wnb Financial N.a. is a smaller mortgage company specializing in Home Purchase and Refi loans. Wnb Financial N.a. has a high proportion of conventional loans. Their top markets by origination volume include: La Crosse, Winona, Eau Claire, Rochester, and Minneapolis among others. We have data for 17 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 an above 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 relatively high 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.64% | 4/18/24 |
| 30 Year Conventional Refi | 6.79% | 4/18/24 |
| 30 Year Cash-out Refi | 6.76% | 4/18/24 |
| 15 Year Conventional Purchase | 5.75% | 4/18/24 |
| 15 Year Conventional Refi | 5.76% | 4/18/24 |
| 15 Year Cash-out Refi | 5.76% | 4/18/24 |
| 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™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
204Origination Dollar Volume (All Markets)
$47,610,000Relative Rate
Wnb Financial N.a.'s average 30 year fixed mortgage rate was
6.94%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of 0.46%.
Relative Fees (Closing Costs)
Wnb Financial N.a.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $4,446.
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 $9,089.
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) | 56 | $13,890,000 | $248,036 | $3,367 | 6.61% |
| Winona, MN (FHA|USDA|VA) | 64 | $13,300,000 | $207,813 | $3,210 | 6.85% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 17 | $7,835,000 | $460,882 | $3,643 | 7.24% |
| Outside of Metro Areas | 29 | $5,565,000 | $191,897 | $2,879 | 6.73% |
| ROCHESTER, MN (FHA|USDA|VA) | 21 | $2,365,000 | $112,619 | $2,489 | 7.32% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,670,000 | $417,500 | $6,509 | 6.18% |
| Menomonie, WI (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $2,993 | 6.33% |
| Red Wing, MN (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,424 | 7.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $7,639 | 7.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,026 | 6.13% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.93% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,295 | 5.80% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,692 | 5.07% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,452 | 7.50% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,644 | 6.38% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 7.81% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $842 | 7.29% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 204 | $47,610,000 | $233,382 | $3,337 | 6.83% |
For 2023, Wnb Financial N.a.'s most frequently originated type of loan was Conventional, with 204 originations.
Loan Reason
For 2023, Wnb Financial N.a.'s most frequently cited loan purpose was Home Purchase, with 128 originations. The 2nd most popular reason was Refi, with 53 originations.
Loan Duration/Length
For 2023, Wnb Financial N.a.'s most frequently cited loan duration was 30 Year, with 71 originations. The 2nd most popular length was Other, with 55 originations.
Origination Fees/Closing Costs
Wnb Financial N.a.'s average total fees were $4,446, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 46 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 70 | $18,120,000 | $258,857 |
| 7-8% | 70 | $15,280,000 | $218,286 |
| 5-6% | 38 | $10,600,000 | $278,947 |
| Over 8% | 20 | $2,310,000 | $115,500 |
| 4-5% | 6 | $1,300,000 | $216,667 |
During 2023, Wnb Financial N.a.'s average interest rate for loans was 6.94%, while their most frequently originated rate bucket for loans was 6-7%, with 70 originations.
Loan Sizing
2023 saw Wnb Financial N.a. place emphasis on $200k-400k loans with 70 originations, totaling $19,290,000 in origination value.
Applicant Income
Wnb Financial N.a. lent most frequently to those with incomes in the $50k-75k range, with 39 originations. The second most popular income band? $100k-150k, with 36 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 20 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.14%
Wnb Financial N.a. has an average approval rate.
Pick Rate
Approvals leading to origination90.20%
Wnb Financial N.a. has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 204 | $47,610,000 | $233,382 |