National Exchange Bank And Trust Mortgage Rates, Fees & Info
Fond du Lac, WILEI: 5493006P0JVBBAHVXV08
Tax ID: 39-0493676
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Mortgage Data
Review & Overview
National Exchange Bank And Trust is a smaller bank specializing in Home Purchase loans. National Exchange Bank And Trust has a high proportion of conventional loans. Their top markets by origination volume include: Fond Du Lac, Milwaukee, Sheboygan, Beaver Dam, and Oshkosh among others. We have data for 28 markets. (Some data included below & more in-depth data is available with an active subscription.)National Exchange 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. National Exchange 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 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.
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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.62% | 12/16/24 |
| 30 Year Conventional Purchase | 6.53% | 12/16/24 |
| 30 Year Conventional Refi | 6.55% | 12/16/24 |
| 30 Year Cash-out Refi | 6.59% | 12/16/24 |
| 30 Year USDA Purchase | 6.27% | 12/16/24 |
| 15 Year Conventional Purchase | 7.95% | 12/16/24 |
| 15 Year Conventional Refi | 6.02% | 12/16/24 |
| 15 Year Cash-out Refi | 6.02% | 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. | ||
National Exchange Bank And Trust Mortgage Calculator
Your Estimates
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
894Origination Dollar Volume (All Markets)
$140,630,000Awards
National Exchange Bank and Trust - 2023
National Exchange Bank and Trust is a 2023 , due to their low .
For 2023, less than of lenders were eligible for this award.
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Relative Rate
National Exchange Bank And Trust's average 30 year fixed mortgage rate was
5.98%.
The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.
This yields a difference of -0.5%.
Relative Fees (Closing Costs)
National Exchange Bank And Trust's average total fees/closing costs for a 30 year fixed rate
mortgage were $1,752.
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 |
|---|---|---|---|---|---|
| FOND DU LAC, WI (FHA|USDA|VA) | 376 | $51,010,000 | $135,665 | $1,525 | 7.36% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 100 | $23,850,000 | $238,500 | $1,623 | 7.08% |
| Outside of Metro Areas | 115 | $18,095,000 | $157,348 | $1,917 | 7.30% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 81 | $11,095,000 | $136,975 | $1,580 | 7.53% |
| Beaver Dam, WI (FHA|USDA|VA) | 88 | $10,170,000 | $115,568 | $1,581 | 7.38% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 30 | $5,150,000 | $171,667 | $1,710 | 6.72% |
| MADISON, WI (FHA|USDA|VA) | 28 | $4,750,000 | $169,643 | $1,877 | 7.06% |
| APPLETON, WI (FHA|USDA|VA) | 28 | $3,680,000 | $131,429 | $1,851 | 7.78% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $3,505,000 | $3,505,000 | $0 | 6.50% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $2,015,000 | $671,667 | $6,353 | 6.03% |
| Whitewater, WI (FHA|USDA|VA) | 10 | $1,260,000 | $126,000 | $1,773 | 8.98% |
| Manitowoc, WI (FHA|USDA|VA) | 10 | $1,140,000 | $114,000 | $1,747 | 7.93% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $3,971 | 5.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $0 | 7.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $2,248 | 5.79% |
| Stevens Point, WI (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,152 | 5.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $0 | 8.25% |
| RACINE, WI (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,217 | 7.25% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,635 | 6.25% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,390 | 6.25% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,525 | 7.00% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.25% |
| Marinette, WI-MI (FHA|USDA|VA) | 3 | $245,000 | $81,667 | $1,177 | 6.33% |
| Baraboo, WI (FHA|USDA|VA) | 2 | $110,000 | $55,000 | $0 | 9.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,154 | 5.75% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.30% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.50% |
| Shawano, WI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $888 | 6.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against National Exchange Bank and Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 36
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 583 | $113,895,000 | $195,360 | $1,677 | 6.74% |
| HELOC | 311 | $26,735,000 | $85,965 | n/a | 8.44% |
For 2023, National Exchange Bank And Trust's most frequently originated type of loan was Conventional, with 583 originations. Their 2nd most popular type was HELOC, with 311 originations.
Loan Reason
For 2023, National Exchange Bank And Trust's most frequently cited loan purpose was Home Purchase, with 400 originations. The 2nd most popular reason was Cash Out Refi, with 213 originations.
Loan Duration/Length
For 2023, National Exchange Bank And Trust's most frequently cited loan duration was 5 Year, with 348 originations. The 2nd most popular length was 30 Year, with 297 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 469 | $84,645,000 | $180,480 |
| $1k-2k | 23 | $8,985,000 | $390,652 |
| $2k-3k | 2 | $370,000 | $185,000 |
| $5k+ | 1 | $235,000 | $235,000 |
National Exchange Bank And Trust's average total fees were $1,752, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 469 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 322 | $25,550,000 | $79,348 |
| 6-7% | 210 | $39,180,000 | $186,571 |
| 5-6% | 180 | $48,150,000 | $267,500 |
| 7-8% | 152 | $19,030,000 | $125,197 |
| 4-5% | 30 | $8,720,000 | $290,667 |
During 2023, National Exchange Bank And Trust's average interest rate for loans was 5.98%, while their most frequently originated rate bucket for loans was Over 8%, with 322 originations.
Loan Sizing
2023 saw National Exchange Bank And Trust place emphasis on $100,000 or less loans with 431 originations, totaling $21,375,000 in origination value.
Applicant Income
National Exchange Bank And Trust lent most frequently to those with incomes in the $50k-75k range, with 206 originations. The second most popular income band? $100k-150k, with 181 originations.
Applicant Debt to Income Ratio
National Exchange Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 205 originations. The next most common DTI ratio? 30-36%, with 152 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.54%
National Exchange Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination87.36%
National Exchange Bank And Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1025.48 | 1 | $55,000 | $55,000 |
| 210.92 | 1 | $95,000 | $95,000 |
| 238.0 | 1 | $95,000 | $95,000 |
| 500.0 | 1 | $25,000 | $25,000 |
| 513.0 | 3 | $275,000 | $91,667 |
| 528.29 | 1 | $55,000 | $55,000 |
| 537.18 | 1 | $45,000 | $45,000 |
| 575.0 | 4 | $130,000 | $32,500 |
| 588.0 | 47 | $1,955,000 | $41,596 |
| 612.7 | 1 | $25,000 | $25,000 |
| 625.0 | 1 | $35,000 | $35,000 |
| 680.51 | 1 | $35,000 | $35,000 |
| 693.0 | 1 | $35,000 | $35,000 |
| 703.04 | 1 | $25,000 | $25,000 |
| 747.24 | 1 | $15,000 | $15,000 |
| 761.0 | 1 | $15,000 | $15,000 |
| 88.0 | 1 | $25,000 | $25,000 |
| 968.03 | 1 | $15,000 | $15,000 |
| NA | 825 | $137,675,000 | $166,879 |