Wnb Financial N.a. Mortgage Rates, Fees & Info
Winona, MNLEI: 25490099UNYWX2PZ4J91
Tax ID: 41-0616710
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Review & Overview
Wnb Financial N.a. is a smaller mortgage company specializing in Refi, Home Purchase, and Cash Out Refi loans. Wnb Financial N.a. has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Winona, La Crosse, Eau Claire, Rochester, and Minneapolis among others. We have data for 35 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.
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% | 12/16/24 |
| 30 Year Conventional Refi | 6.79% | 12/16/24 |
| 30 Year Cash-out Refi | 6.76% | 12/16/24 |
| 15 Year Conventional Purchase | 5.75% | 12/16/24 |
| 15 Year Conventional Refi | 5.76% | 12/16/24 |
| 15 Year Cash-out Refi | 5.76% | 12/16/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
673Origination Dollar Volume (All Markets)
$129,765,000Employee count
96Top 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 |
|---|---|---|---|---|---|
| Winona, MN (FHA|USDA|VA) | 218 | $34,660,000 | $158,991 | $0 | 0.00% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 96 | $24,720,000 | $257,500 | $0 | 0.00% |
| Outside of Metro Areas | 98 | $16,310,000 | $166,429 | $0 | 0.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 83 | $16,045,000 | $193,313 | $0 | 0.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 77 | $13,625,000 | $176,948 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 35 | $8,045,000 | $229,857 | $0 | 0.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 9 | $3,025,000 | $336,111 | $0 | 0.00% |
| Red Wing, MN (FHA|USDA|VA) | 13 | $1,915,000 | $147,308 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $1,265,000 | $421,667 | $0 | 0.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $0 | 0.00% |
| Menomonie, WI (FHA|USDA|VA) | 4 | $760,000 | $190,000 | $0 | 0.00% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $0 | 0.00% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $0 | 0.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $0 | 0.00% |
| Spearfish, SD (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $0 | 0.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 0.00% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $0 | 0.00% |
| Durango, CO (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 0.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 0.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 0.00% |
| Platteville, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 0.00% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 0.00% |
| Marshall, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 0.00% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 0.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 0.00% |
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 | 670 | $129,200,000 | $192,836 | $0 | 0.00% |
| USDA | 3 | $565,000 | $188,333 | $0 | 0.00% |
For 2020, Wnb Financial N.a.'s most frequently originated type of loan was Conventional, with 670 originations. Their 2nd most popular type was USDA, with 3 originations.
Loan Reason
For 2020, Wnb Financial N.a.'s most frequently cited loan purpose was Refi, with 340 originations. The 2nd most popular reason was Home Purchase, with 163 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 673 | $129,765,000 | $192,816 | $0 | 0.00% |
For 2020, Wnb Financial N.a.'s most frequently cited loan duration was Other, with 673 originations.
Loan Sizing
2020 saw Wnb Financial N.a. place emphasis on $100k-200k loans with 320 originations, totaling $46,820,000 in origination value.
Applicant Income
Wnb Financial N.a. lent most frequently to those with incomes in the $75k-100k range, with 142 originations. The second most popular income band? $50k-75k, with 133 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 673 | $129,765,000 | $192,816 | $0 | 0.00% |
Wnb Financial N.a. lent most frequently to those with DTI ratios of Exempt%, with 673 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.45%
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 origination87.67%
Wnb Financial N.a. has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 673 | $129,765,000 | $192,816 |
Occupancy Type Mix
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Wnb Financial, N.A. | 204 Main Street Winona, MN 55987 | Full Service B&M | $189,229 |
| Wnb Financial, N.A. | 840 Mankato Avenue Winona, MN 55987 | Full Service B&M | $22,640 |
| Wnb Financial, N.A. | 111 West Main Street Wabasha, MN 55981 | Full Service B&M | $122,365 |
| Wnb Financial, N.A. | 1160 Blazing Star Blvd Altoona, WI 54720 | Full Service B&M | $1,763 |
| Wnb Financial, N.A. | 1491 West Broadway Winona, MN 55987 | Full Service B&M | $68,268 |
| Wnb Financial, N.A. | Dodge And Belvidere Kellogg, MN 55945 | Limited, Drive-thru | $0 |
For 2020, Wnb Financial N.a. had 6 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $16,351 |
| Net interest income | $14,548 |
| Total noninterest income | $6,663 |
| Gross Fiduciary activities income | $1,439 |
| Service charges on deposit accounts | $416 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $4,808 |
| Pre-tax net operating income | $6,257 |
| Securities gains (or losses, -) | $1,040 |
| Income before extraordinary items | $7,297 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $7,297 |
| Minority interest net income | $0 |
| Net income | $7,297 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $6,257 |
Wnb Financial N.a.'s gross interest income from loans was $16,351,000.
Wnb Financial N.a.'s net interest income from loans was $14,548,000.
Wnb Financial N.a.'s fee based income from loans was $416,000.
Wnb Financial N.a.'s net income from loans was $7,297,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,803 |
| Provision for credit losses | $962 |
| Total noninterest expense | $13,992 |
| Salaries and employee benefits | $8,032 |
| Premises and equipment expense | $1,366 |
| Additional noninterest expense | $4,594 |
| Applicable income taxes | $0 |
| Net charge-offs | $-3 |
| Cash dividends | $2,192 |
Wnb Financial N.a.'s interest expense for loans was $1,803,000.
Wnb Financial N.a.'s payroll and benefits expense were $8,032,000.
Wnb Financial N.a.'s property, plant and equipment expenses $1,366,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $434,001 |
| Deposits held in domestic offices | $434,001 |
| Deposits by Individuals, partnerships, and corporations | $391,574 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $41,690 |
| Deposits by Commercial banks and other depository institutions in U.S. | $737 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $57,904 |
| Demand deposits | $20,762 |
| Nontransaction accounts | $376,097 |
| Money market deposit accounts (MMDAs) | $124,961 |
| Other savings deposits (excluding MMDAs) | $178,049 |
| Total time deposits | $73,086 |
| Total time and savings deposits | $413,239 |
| Noninterest-bearing deposits | $94,569 |
| Interest-bearing deposits | $339,432 |
| Retail deposits | $420,018 |
| IRAs and Keogh plan accounts | $17,351 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $501,630 |
| Cash & Balances due from depository institutions | $19,452 |
| Interest-bearing balances | $15,758 |
| Total securities | $186,895 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $265,053 |
| Loan and leases loss allowance | $3,798 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $7,585 |
| Other real estate owned | $75 |
| Goodwill and other intangibles | $12,377 |
| All other assets | $10,193 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $501,630 |
| Total Liabilities | $436,450 |
| Total deposits | $434,001 |
| Interest-bearing deposits | $339,432 |
| Deposits held in domestic offices | $434,001 |
| % insured (estimated) | $83 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $2,449 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $265,053 |
| Loan and leases loss allowance | $3,798 |
| Total loans and leases (domestic) | $268,851 |
| All real estate loans | $215,212 |
| Real estate loans in domestic offices | $215,212 |
| Construction and development loans | $13,067 |
| Residential 1-4 family construction | $4,244 |
| Other construction, all land development and other land | $8,823 |
| Loans secured by nonfarm nonresidential properties | $99,078 |
| Nonfarm nonresidential secured by owner-occupied properties | $43,457 |
| Commercial real estate & other non-farm, non-residential | $55,621 |
| Multifamily residential real estate | $18,727 |
| 1-4 family residential loans | $79,748 |
| Farmland loans | $4,592 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,091 |
| Commercial and industrial loans | $43,422 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $7,497 |
| Credit card loans | $0 |
| Related Plans | $288 |
| Consumer Auto Loans | $2,016 |
| Other loans to individuals | $5,193 |
| All other loans & leases | $2,617 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $24 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $1,655 |
| Non 1-4 family restructured loans & leases | $965 |
| Total loans and leases (foreign) | $0 |
WNB Financial N.A. had $265,053,000 of loans outstanding in 2020. $215,212,000 of loans were in real estate loans. $13,067,000 of loans were in development loans. $18,727,000 of loans were in multifamily mortgage loans. $79,748,000 of loans were in 1-4 family mortgage loans. $1,091,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,016,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 192 | $44,965 | $234,193 |
| Nonfarm, nonresidential loans - <$100k | 41 | $1,989 | $48,512 |
| Nonfarm, nonresidential loans - $100-250k | 66 | $8,614 | $130,515 |
| Nonfarm, nonresidential loans - $250k-1MM | 85 | $34,362 | $404,259 |
| Commercial & Industrial, US addressed loans - <$1MM | 405 | $31,009 | $76,565 |
| Commercial & Industrial, US addressed loans - <$100k | 286 | $7,786 | $27,224 |
| Commercial & Industrial, US addressed loans - $100-250k | 77 | $8,622 | $111,974 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 42 | $14,601 | $347,643 |
| Farmland loans - <$1MM | 30 | $3,952 | $131,733 |
| Farmland loans - <$100k | 13 | $507 | $39,000 |
| Farmland loans - $100-250k | 8 | $1,133 | $141,625 |
| Farmland loans - $250k-1MM | 9 | $2,312 | $256,889 |
| Agriculture operations loans - <$1MM | 15 | $534 | $35,600 |
| Agriculture operations loans - <$100k | 14 | $391 | $27,929 |
| Agriculture operations loans - $100-250k | 1 | $143 | $143,000 |