National Exchange Bank And Trust Mortgage Rates, Fees & Info
Fond du Lac, WILEI: 5493006P0JVBBAHVXV08
Tax ID: 39-0493676
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Review & Overview
National Exchange Bank And Trust is a smaller bank specializing in Refi, Cash Out Refi, and Home Purchase loans. National Exchange Bank And Trust has a high proportion of conventional loans. National Exchange Bank And Trust has an average 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 37 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 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
---|---|---|
Home Equity Line of Credit (HELOC) | 6.62% | 10/31/24 |
30 Year Conventional Purchase | 6.53% | 10/31/24 |
30 Year Conventional Refi | 6.55% | 10/31/24 |
30 Year Cash-out Refi | 6.59% | 10/31/24 |
30 Year USDA Purchase | 6.27% | 10/31/24 |
15 Year Conventional Purchase | 7.95% | 10/31/24 |
15 Year Conventional Refi | 6.02% | 10/31/24 |
15 Year Cash-out Refi | 6.02% | 10/31/24 |
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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,969Origination Dollar Volume (All Markets)
$309,385,000Employee count
357 Show all (10) awardsNational Exchange Bank and Trust - 2021
National Exchange Bank and Trust is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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) | 882 | $126,610,000 | $143,549 | $1,343 | 3.03% |
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 197 | $38,265,000 | $194,239 | $878 | 2.96% |
SHEBOYGAN, WI (FHA|USDA|VA) | 216 | $29,980,000 | $138,796 | $1,265 | 3.22% |
Outside of Metro Areas | 192 | $27,850,000 | $145,052 | $1,485 | 3.12% |
Beaver Dam, WI (FHA|USDA|VA) | 191 | $20,655,000 | $108,141 | $1,191 | 3.58% |
OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 97 | $13,715,000 | $141,392 | $1,304 | 3.18% |
APPLETON, WI (FHA|USDA|VA) | 64 | $10,360,000 | $161,875 | $1,141 | 2.94% |
Marquette, MI (FHA|USDA|VA) | 2 | $8,710,000 | $4,355,000 | $0 | 4.25% |
MADISON, WI (FHA|USDA|VA) | 44 | $5,770,000 | $131,136 | $1,360 | 3.47% |
TOLEDO, OH (FHA|USDA|VA) | 1 | $5,005,000 | $5,005,000 | $0 | 4.75% |
Manitowoc, WI (FHA|USDA|VA) | 20 | $3,570,000 | $178,500 | $1,040 | 3.19% |
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $2,455,000 | $818,333 | $0 | 4.33% |
WAUSAU-WESTON, WI (FHA|USDA|VA) | 4 | $2,350,000 | $587,500 | $909 | 3.61% |
COLUMBUS, OH (FHA|USDA|VA) | 1 | $2,105,000 | $2,105,000 | $0 | 3.95% |
GREEN BAY, WI (FHA|USDA|VA) | 10 | $1,480,000 | $148,000 | $1,445 | 3.27% |
Shawano, WI (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $1,353 | 4.36% |
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $3,743 | 3.25% |
ODESSA, TX (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $0 | 4.25% |
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $0 | 4.95% |
SALINAS, CA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $0 | 0.00% |
Whitewater, WI (FHA|USDA|VA) | 9 | $895,000 | $99,444 | $1,895 | 6.66% |
Marinette, WI-MI (FHA|USDA|VA) | 6 | $560,000 | $93,333 | $1,481 | 2.95% |
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 4.00% |
SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,071 | 2.88% |
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 5.48% |
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,529 | 3.13% |
Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 4.75% |
CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,734 | 2.75% |
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 4.25% |
Heber, UT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,686 | 2.25% |
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.25% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $585 | 4.25% |
JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,992 | 3.13% |
EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,210 | 2.88% |
Crossville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,682 | 3.13% |
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $843 | 2.50% |
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.
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Product Mix
Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
---|---|---|---|---|---|
Conventional | 1,567 | $273,205,000 | $174,349 | $1,284 | 3.16% |
Conventional | 402 | $36,180,000 | $90,000 | $0 | 0.00% |
For 2021, National Exchange Bank And Trust's most frequently originated type of loan was Conventional, with 1,567 originations. Their 2nd most popular type was Conventional, with 402 originations.
Loan Reason
For 2021, National Exchange Bank And Trust's most frequently cited loan purpose was Refi, with 651 originations. The 2nd most popular reason was Cash Out Refi, with 538 originations.
Loan Duration/Length
For 2021, National Exchange Bank And Trust's most frequently cited loan duration was 30 Year, with 615 originations. The 2nd most popular length was 15 Year, with 513 originations.
Origination Fees/Closing Costs
National Exchange Bank And Trust's average total fees were $1,419, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,305 originations.
Interest Rates
During 2021, National Exchange Bank And Trust's average interest rate for loans was 3.13%, while their most frequently originated rate bucket for loans was 2.5-3%, with 602 originations.
Loan Sizing
2021 saw National Exchange Bank And Trust place emphasis on $100,000 or less loans with 759 originations, totaling $45,055,000 in origination value.
Applicant Income
National Exchange Bank And Trust lent most frequently to those with incomes in the $50k-75k range, with 439 originations. The second most popular income band? $100k-150k, with 420 originations.
Applicant Debt to Income Ratio
National Exchange Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 452 originations. The next most common DTI ratio? Exempt%, with 402 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.66%
National Exchange Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination84.00%
National Exchange Bank And Trust has a below average pick rate.
Points and Fees
Points | Originations | Total Value | Average Loan |
---|---|---|---|
125.0 | 2 | $20,000 | $10,000 |
138.0 | 21 | $685,000 | $32,619 |
188.33 | 1 | $65,000 | $65,000 |
244.6 | 1 | $25,000 | $25,000 |
244.84 | 1 | $25,000 | $25,000 |
431.75 | 1 | $65,000 | $65,000 |
50.0 | 37 | $1,625,000 | $43,919 |
63.0 | 4 | $240,000 | $60,000 |
755.49 | 1 | $15,000 | $15,000 |
Exempt | 402 | $36,180,000 | $90,000 |
NA | 1,498 | $270,440,000 | $180,534 |
LTV Distribution
Complaints
Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
---|---|---|---|---|
NATIONAL ASSET MORTGAGE, LLC | Conventional home mortgage | Struggling to pay mortgage | 2 | 100.0% |
Bank Details
Branches
Bank Name | Branch | Branch Type | Deposits (000's) |
---|---|---|---|
National Exchange Bank and Trust | 100 Lafayette Street Rosendale, WI 54974 | Full Service B&M | $23,512 |
National Exchange Bank and Trust | 102 South Woodward Street Brandon, WI 53919 | Full Service B&M | $16,308 |
National Exchange Bank and Trust | 103 North High Street Randolph, WI 53956 | Full Service B&M | $42,312 |
National Exchange Bank and Trust | 105 East Main Street Glenbeulah, WI 53023 | Full Service B&M | $14,002 |
National Exchange Bank and Trust | 1125 E. Johnson Street Fond Du Lac, WI 54935 | Full Service B&M | $12,002 |
National Exchange Bank and Trust | 113 Lake Street Pardeeville, WI 53954 | Full Service B&M | $42,423 |
National Exchange Bank and Trust | 114 North Fond Du Lac Avenue Campbellsport, WI 53010 | Full Service B&M | $98,423 |
National Exchange Bank and Trust | 120 North South Street Kingston, WI 53939 | Full Service B&M | $26,683 |
National Exchange Bank and Trust | 1265 East Chestnut Street Chilton, WI 53014 | Full Service B&M | $24,108 |
National Exchange Bank and Trust | 130 South Main Street Fond Du Lac, WI 54935 | Full Service B&M | $590,057 |
National Exchange Bank and Trust | 1320 West Paradise Drive West Bend, WI 53095 | Full Service B&M | $67,860 |
National Exchange Bank and Trust | 154 Stark Street Randolph, WI 53956 | Limited, Drive-thru | $0 |
National Exchange Bank and Trust | 1609 Spring Street Beaver Dam, WI 53916 | Full Service B&M | $24,859 |
National Exchange Bank and Trust | 1802 Horicon Street Mayville, WI 53050 | Full Service B&M | $13,609 |
National Exchange Bank and Trust | 191 North Main Street Sheboygan Falls, WI 53085 | Full Service B&M | $17,983 |
National Exchange Bank and Trust | 200 West Main Street Omro, WI 54963 | Full Service B&M | $16,975 |
National Exchange Bank and Trust | 209 N. Front Street Coloma, WI 54930 | Full Service B&M | $33,797 |
National Exchange Bank and Trust | 210 East Main Street Waupun, WI 53963 | Full Service B&M | $121,483 |
National Exchange Bank and Trust | 211 North Wisconsin Drive Howards Grove, WI 53081 | Full Service B&M | $46,274 |
National Exchange Bank and Trust | 24 West Street Montello, WI 53949 | Full Service B&M | $57,027 |
National Exchange Bank and Trust | 274 Osthoff Avenue Elkhart Lake, WI 53020 | Full Service B&M | $48,478 |
National Exchange Bank and Trust | 310 Madison Avenue Cascade, WI 53011 | Full Service B&M | $14,377 |
National Exchange Bank and Trust | 323 South Main Cedar Grove, WI 53013 | Full Service B&M | $23,102 |
National Exchange Bank and Trust | 326 Second Street Westfield, WI 53964 | Full Service B&M | $32,296 |
National Exchange Bank and Trust | 346 North Main Street Fond Du Lac, WI 54935 | Full Service B&M | $14,018 |
National Exchange Bank and Trust | 404 East Main Street Eden, WI 53019 | Full Service B&M | $41,360 |
National Exchange Bank and Trust | 407 Main St. Fairwater, WI 53931 | Full Service B&M | $11,393 |
National Exchange Bank and Trust | 505 Main Street Brownsville, WI 53006 | Full Service B&M | $97,811 |
National Exchange Bank and Trust | 509 Main Street Dalton, WI 53926 | Full Service B&M | $1,404 |
National Exchange Bank and Trust | 516 Fond Du Lac Street Mount Calvary, WI 53057 | Full Service B&M | $58,412 |
National Exchange Bank and Trust | 6278 Blueberry Road Allenton, WI 53002 | Full Service B&M | $21,077 |
National Exchange Bank and Trust | 676 West Johnson Street Fond Du Lac, WI 54935 | Full Service B&M | $158,749 |
National Exchange Bank and Trust | 705 West Water Street Princeton, WI 54968 | Full Service B&M | $17,388 |
National Exchange Bank and Trust | 901 Wisconsin Street Adell, WI 53001 | Full Service B&M | $19,519 |
National Exchange Bank and Trust | N10504 County Road G New Holstein, WI 53061 | Full Service B&M | $22,722 |
National Exchange Bank and Trust | W239 N1700 Busse Road Waukesha, WI 53188 | Full Service B&M | $171,424 |
For 2021, National Exchange Bank And Trust had 36 branches.
Yearly Performance Overview
Bank Income
Item | Value (in 000's) |
---|---|
Total interest income | $66,913 |
Net interest income | $64,678 |
Total noninterest income | $18,970 |
Gross Fiduciary activities income | $3,068 |
Service charges on deposit accounts | $1,604 |
Trading account gains and fees | $0 |
Additional Noninterest Income | $14,298 |
Pre-tax net operating income | $36,950 |
Securities gains (or losses, -) | $-10 |
Income before extraordinary items | $28,433 |
Discontinued Operations (Extraordinary gains, net) | $0 |
Net income of bank and minority interests | $28,433 |
Minority interest net income | $0 |
Net income | $28,433 |
Sale, conversion, retirement of capital stock, net | $0 |
Net operating income | $28,440 |
National Exchange Bank And Trust's gross interest income from loans was $66,913,000.
National Exchange Bank And Trust's net interest income from loans was $64,678,000.
National Exchange Bank And Trust's fee based income from loans was $1,604,000.
National Exchange Bank And Trust's net income from loans was $28,433,000.
Bank Expenses
Item | Value (in 000's) |
---|---|
Total interest expense | $2,235 |
Provision for credit losses | $0 |
Total noninterest expense | $46,698 |
Salaries and employee benefits | $27,929 |
Premises and equipment expense | $5,050 |
Additional noninterest expense | $13,719 |
Applicable income taxes | $8,507 |
Net charge-offs | $-9,241 |
Cash dividends | $10,000 |
National Exchange Bank And Trust's interest expense for loans was $2,235,000.
National Exchange Bank And Trust's payroll and benefits expense were $27,929,000.
National Exchange Bank And Trust's property, plant and equipment expenses $5,050,000.
Loan Performance
Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
---|---|
All loans | 1.0% |
Real Estate loans | 1.0% |
Construction & Land Development loans | 0.0% |
Nonfarm, nonresidential loans | 2.0% |
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 | $2,163,053 |
Deposits held in domestic offices | $2,163,053 |
Deposits by Individuals, partnerships, and corporations | $1,942,914 |
Deposits by U.S. Government | $0 |
Deposits by States and political subdivisions in the U.S. | $220,139 |
Deposits by Commercial banks and other depository institutions in U.S. | $0 |
Deposits by Banks in foreign countries | $0 |
Deposits by Foreign governments and official institutions | $0 |
Transaction accounts | $651,293 |
Demand deposits | $615,293 |
Nontransaction accounts | $1,511,760 |
Money market deposit accounts (MMDAs) | $905,815 |
Other savings deposits (excluding MMDAs) | $436,192 |
Total time deposits | $169,753 |
Total time and savings deposits | $1,547,760 |
Noninterest-bearing deposits | $525,710 |
Interest-bearing deposits | $1,637,343 |
Retail deposits | $2,143,868 |
IRAs and Keogh plan accounts | $44,269 |
Brokered deposits | $0 |
Deposits held in foreign offices | $0 |
Assets
Asset | Value (in 000's) |
---|---|
Total Assets | $2,669,145 |
Cash & Balances due from depository institutions | $404,411 |
Interest-bearing balances | $355,537 |
Total securities | $916,611 |
Federal funds sold & reverse repurchase | $0 |
Net loans and leases | $1,250,263 |
Loan and leases loss allowance | $45,758 |
Trading account assets | $0 |
Bank premises and fixed assets | $10,117 |
Other real estate owned | $0 |
Goodwill and other intangibles | $5,672 |
All other assets | $82,071 |
Liabilities
Liabilities | Value (in 000's) |
---|---|
Total liabilities and capital | $2,669,145 |
Total Liabilities | $2,238,456 |
Total deposits | $2,163,053 |
Interest-bearing deposits | $1,637,343 |
Deposits held in domestic offices | $2,163,053 |
% insured (estimated) | $47 |
Federal funds purchased and repurchase agreements | $55,914 |
Trading liabilities | $0 |
Other borrowed funds | $0 |
Subordinated debt | $0 |
All other liabilities | $19,489 |
Issued Loan Types
Type | Value (in 000's) |
---|---|
Net loans and leases | $1,250,263 |
Loan and leases loss allowance | $45,758 |
Total loans and leases (domestic) | $1,296,021 |
All real estate loans | $952,947 |
Real estate loans in domestic offices | $952,947 |
Construction and development loans | $196,258 |
Residential 1-4 family construction | $22,342 |
Other construction, all land development and other land | $173,916 |
Loans secured by nonfarm nonresidential properties | $511,657 |
Nonfarm nonresidential secured by owner-occupied properties | $166,648 |
Commercial real estate & other non-farm, non-residential | $345,009 |
Multifamily residential real estate | $39,495 |
1-4 family residential loans | $162,062 |
Farmland loans | $43,475 |
Loans held in foreign offices | $0 |
Farm loans | $12,159 |
Commercial and industrial loans | $187,363 |
To non-U.S. addressees | $0 |
Loans to individuals | $20,688 |
Credit card loans | $2,764 |
Related Plans | $237 |
Consumer Auto Loans | $6,584 |
Other loans to individuals | $11,103 |
All other loans & leases | $125,074 |
Loans to foreign governments and official institutions | $0 |
Other loans | $86,898 |
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 | $5,656 |
Non 1-4 family restructured loans & leases | $4,084 |
Total loans and leases (foreign) | $0 |
National Exchange Bank and Trust had $1,250,263,000 of loans outstanding in 2021. $952,947,000 of loans were in real estate loans. $196,258,000 of loans were in development loans. $39,495,000 of loans were in multifamily mortgage loans. $162,062,000 of loans were in 1-4 family mortgage loans. $12,159,000 of loans were in farm loans. $2,764,000 of loans were in credit card loans. $6,584,000 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 | 591 | $104,381 | $176,618 |
Nonfarm, nonresidential loans - <$100k | 273 | $10,818 | $39,626 |
Nonfarm, nonresidential loans - $100-250k | 174 | $28,852 | $165,816 |
Nonfarm, nonresidential loans - $250k-1MM | 144 | $64,711 | $449,382 |
Commercial & Industrial, US addressed loans - <$1MM | 1,902 | $92,008 | $48,374 |
Commercial & Industrial, US addressed loans - <$100k | 1,684 | $41,667 | $24,743 |
Commercial & Industrial, US addressed loans - $100-250k | 151 | $21,893 | $144,987 |
Commercial & Industrial, US addressed loans - $250k-1MM | 67 | $28,448 | $424,597 |
Farmland loans - <$1MM | 231 | $25,718 | $111,333 |
Farmland loans - <$100k | 137 | $5,733 | $41,847 |
Farmland loans - $100-250k | 64 | $9,982 | $155,969 |
Farmland loans - $250k-1MM | 30 | $10,003 | $333,433 |
Agriculture operations loans - <$1MM | 198 | $6,529 | $32,975 |
Agriculture operations loans - <$100k | 179 | $3,261 | $18,218 |
Agriculture operations loans - $100-250k | 17 | $2,687 | $158,059 |
Agriculture operations loans - $250k-1MM | 2 | $581 | $290,500 |