The Stephenson National Bank And Trust Mortgage Rates, Fees & Info

Marinette, WI

LEI: 549300508JOHWSRFDR57

Tax ID: 39-0638020

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    The Stephenson National Bank And Trust is a smaller bank specializing in Home Purchase loans. The Stephenson National Bank And Trust has a high proportion of conventional loans. Their top markets by origination volume include: Marinette, Green Bay, Appleton, Marquette, and Deltona among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    The Stephenson National Bank And Trust 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. The Stephenson National Bank And Trust 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.77% 11/25/24
    30 Year Conventional Refi 6.70% 11/25/24
    30 Year Cash-out Refi 7.02% 11/25/24
    15 Year Conventional Purchase 6.44% 11/25/24
    15 Year Conventional Refi 6.23% 11/25/24
    15 Year Cash-out Refi 6.23% 11/25/24
    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.

    The Stephenson National Bank And Trust Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from The Stephenson National Bank And Trust. 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

    193

    Origination Dollar Volume (All Markets)

    $30,865,000

    Awards

    The Stephenson National Bank and Trust 30 Year Conventional Loans silver The Stephenson National Bank and Trust 30 Year Conventional Loans bronze The Stephenson National Bank and Trust 30 Year Conventional Loans gold
    Show all (3) awards

    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
    Marinette, WI-MI (FHA|USDA|VA) 146 $19,710,000 $135,000 $1,643 4.95%
    GREEN BAY, WI (FHA|USDA|VA) 30 $7,080,000 $236,000 $1,778 5.16%
    Outside of Metro Areas 7 $1,675,000 $239,286 $1,815 4.74%
    APPLETON, WI (FHA|USDA|VA) 3 $1,025,000 $341,667 $1,062 4.25%
    Marquette, MI (FHA|USDA|VA) 2 $350,000 $175,000 $2,076 4.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.50%
    Iron Mountain, MI-WI (FHA|USDA|VA) 2 $260,000 $130,000 $2,120 5.06%
    Houghton, MI (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.38%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $215,000 $215,000 $2,856 5.38%
    The Stephenson National Bank And Trust's top markets include Marinette, Green Bay, Appleton, Marquette, and Deltona among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against The Stephenson National Bank and Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    PCM
    Similarity Rank: 117
    Denmark State Bank
    Similarity Rank: 198
    VERVE, A CREDIT UNION
    Similarity Rank: 247
    FOX COMMUNITIES
    Similarity Rank: 297
    CAPITAL Credit Union
    Similarity Rank: 300
    Community First Credit Union
    Similarity Rank: 312
    Bank of Luxemburg
    Similarity Rank: 324
    North Shore Bank FSB
    Similarity Rank: 418
    The Stephenson National Bank and Trust
    Similarity Rank: 486
    Fortifi Bank
    Similarity Rank: 756

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 193 $30,865,000 $159,922 $1,678 4.96%

    For 2022, The Stephenson National Bank And Trust's most frequently originated type of loan was Conventional, with 193 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 100 $18,070,000 $180,700 $1,926 5.19%
    Cash Out Refi 43 $5,015,000 $116,628 $1,580 4.73%
    Refi 24 $5,380,000 $224,167 $1,450 4.64%
    Home Improvement 13 $985,000 $75,769 $1,259 5.24%
    Other 13 $1,415,000 $108,846 $1,205 4.32%

    For 2022, The Stephenson National Bank And Trust's most frequently cited loan purpose was Home Purchase, with 100 originations. The 2nd most popular reason was Cash Out Refi, with 43 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 77 $15,015,000 $195,000 $1,931 5.05%
    15 Year 45 $6,155,000 $136,778 $1,478 4.69%
    Other 31 $2,845,000 $91,774 $1,140 4.81%
    3 Year 17 $2,545,000 $149,706 $0 5.83%
    5 Year 15 $3,265,000 $217,667 $0 5.02%
    20 Year 4 $370,000 $92,500 $1,785 4.94%
    10 Year 4 $670,000 $167,500 $1,429 3.69%

    For 2022, The Stephenson National Bank And Trust's most frequently cited loan duration was 30 Year, with 77 originations. The 2nd most popular length was 15 Year, with 45 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 105 $15,395,000 $146,619
    $1k-2k 43 $7,765,000 $180,581

    The Stephenson National Bank And Trust's average total fees were $1,931, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 105 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 73 $12,225,000 $167,466
    4-5% 46 $8,410,000 $182,826
    3-4% 40 $6,130,000 $153,250
    6-7% 22 $2,790,000 $126,818
    2.5-3% 7 $765,000 $109,286
    7-8% 5 $545,000 $109,000

    During 2022, The Stephenson National Bank And Trust's average interest rate for loans was 5.05%, while their most frequently originated rate bucket for loans was 5-6%, with 73 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 72 $3,950,000 $54,861 $1,338 5.00%
    $100k-200k 70 $10,360,000 $148,000 $1,780 4.97%
    $200k-400k 39 $10,185,000 $261,154 $1,970 4.86%
    $400k-600k 11 $5,455,000 $495,909 $2,098 4.98%
    $600k-1MM 1 $915,000 $915,000 $0 5.83%

    2022 saw The Stephenson National Bank And Trust place emphasis on $100,000 or less loans with 72 originations, totaling $3,950,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 40 $5,970,000 $149,250 $1,699 5.11%
    $50k-75k 34 $3,830,000 $112,647 $1,635 4.70%
    $150k-250k 29 $5,585,000 $192,586 $1,807 5.09%
    $75k-100k 23 $3,475,000 $151,087 $1,645 4.67%
    $50k or less 22 $2,030,000 $92,273 $1,709 4.63%
    $250k+ 18 $4,950,000 $275,000 $1,639 5.17%

    The Stephenson National Bank And Trust lent most frequently to those with incomes in the $100k-150k range, with 40 originations. The second most popular income band? $50k-75k, with 34 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 54 $7,900,000 $146,296 $1,719 4.61%
    <20% 40 $5,920,000 $148,000 $1,495 5.15%
    30-36% 21 $3,195,000 $152,143 $1,951 4.89%
    41% 13 $2,365,000 $181,923 $1,498 5.32%
    36% 7 $1,075,000 $153,571 $1,726 4.46%
    38% 6 $1,150,000 $191,667 $1,702 5.18%
    37% 5 $375,000 $75,000 $1,315 4.39%
    44% 4 $600,000 $150,000 $1,528 4.50%
    50-60% 4 $660,000 $165,000 $1,741 4.62%
    39% 3 $515,000 $171,667 $1,151 5.07%
    46% 3 $615,000 $205,000 $1,295 5.99%
    40% 3 $355,000 $118,333 $1,831 5.52%
    42% 2 $260,000 $130,000 $2,191 4.55%
    45% 2 $370,000 $185,000 $2,237 5.60%
    48% 1 $235,000 $235,000 $0 6.09%
    49% 1 $385,000 $385,000 $2,874 6.00%
    43% 1 $255,000 $255,000 $1,540 3.38%
    >60% 1 $105,000 $105,000 $0 5.50%

    The Stephenson National Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 54 originations. The next most common DTI ratio? <20%, with 40 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 159 $25,275,000 $158,962 $1,695 4.89%
    Not applicable 22 $4,530,000 $205,909 $0 5.42%
    Not provided 11 $955,000 $86,818 $1,319 4.99%
    Asian 1 $105,000 $105,000 $2,202 6.75%

    Approval Rates

    Total approvals of all applications
    94.67%

    The Stephenson National Bank And Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.31%

    The Stephenson National Bank And Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 193 $30,865,000 $159,922

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    193 $30,865,000 $159,922

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 17 $1,105,000 $65,000 $1,264 5.03%
    40-60% 32 $4,800,000 $150,000 $1,461 4.95%
    60-80% 66 $12,810,000 $194,091 $1,771 4.97%
    80-100% 66 $11,730,000 $177,727 $1,977 4.97%
    Under 20% 12 $420,000 $35,000 $859 4.87%