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 and Cash Out Refi 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, Austin, and Beaver Dam among others. We have data for 40 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% | 4/28/24 |
| 30 Year Conventional Purchase | 6.53% | 4/28/24 |
| 30 Year Conventional Refi | 6.55% | 4/28/24 |
| 30 Year Cash-out Refi | 6.59% | 4/28/24 |
| 30 Year USDA Purchase | 6.27% | 4/28/24 |
| 15 Year Conventional Purchase | 7.95% | 4/28/24 |
| 15 Year Conventional Refi | 6.02% | 4/28/24 |
| 15 Year Cash-out Refi | 6.02% | 4/28/24 |
| 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
1,153Origination Dollar Volume (All Markets)
$184,055,000Awards
National Exchange Bank and Trust - 2022
National Exchange Bank and Trust is a 2022 , due to their low .
For 2022, 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) | 482 | $62,150,000 | $128,942 | $1,678 | 4.95% |
| Outside of Metro Areas | 133 | $21,005,000 | $157,932 | $1,764 | 4.96% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 111 | $19,265,000 | $173,559 | $1,463 | 4.84% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 111 | $12,635,000 | $113,829 | $1,550 | 5.08% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $12,505,000 | $12,505,000 | $0 | 5.85% |
| Beaver Dam, WI (FHA|USDA|VA) | 116 | $11,770,000 | $101,466 | $1,575 | 5.49% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $8,295,000 | $8,295,000 | $0 | 5.95% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 40 | $6,810,000 | $170,250 | $1,793 | 4.97% |
| APPLETON, WI (FHA|USDA|VA) | 43 | $5,565,000 | $129,419 | $1,553 | 4.80% |
| MADISON, WI (FHA|USDA|VA) | 33 | $4,785,000 | $145,000 | $1,696 | 5.10% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $2,875,000 | $2,875,000 | $0 | 5.25% |
| Manitowoc, WI (FHA|USDA|VA) | 13 | $2,545,000 | $195,769 | $2,040 | 5.08% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 3 | $2,165,000 | $721,667 | $1,814 | 5.75% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $0 | 4.00% |
| Marinette, WI-MI (FHA|USDA|VA) | 12 | $1,520,000 | $126,667 | $1,477 | 4.93% |
| RACINE, WI (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $1,529 | 5.41% |
| Whitewater, WI (FHA|USDA|VA) | 14 | $1,050,000 | $75,000 | $785 | 7.13% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $1,833 | 4.50% |
| Stevens Point, WI (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $7,297 | 5.06% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $1,734 | 4.90% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 4.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $5,065 | 5.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 5 | $395,000 | $79,000 | $1,335 | 6.65% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $0 | 4.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,149 | 3.88% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 5.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 4.75% |
| Muscatine, IA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $1,600 | 5.50% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,966 | 4.90% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,489 | 6.00% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,093 | 5.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.25% |
| Shawano, WI (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 6.69% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 5.25% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,485 | 4.25% |
| Watertown-Fort Atkinson, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,027 | 2.63% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,530 | 5.38% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 2 | $40,000 | $20,000 | $0 | 5.75% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.38% |
| Crossville, TN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.00% |
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: 70
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Similarity Rank: 250
Similarity Rank: 300
Similarity Rank: 330
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 655 | $137,845,000 | $210,450 | $1,670 | 4.93% |
| HELOC | 498 | $46,210,000 | $92,791 | n/a | 5.21% |
For 2022, National Exchange Bank And Trust's most frequently originated type of loan was Conventional, with 655 originations. Their 2nd most popular type was HELOC, with 498 originations.
Loan Reason
For 2022, National Exchange Bank And Trust's most frequently cited loan purpose was Home Purchase, with 421 originations. The 2nd most popular reason was Cash Out Refi, with 245 originations.
Loan Duration/Length
For 2022, National Exchange Bank And Trust's most frequently cited loan duration was 5 Year, with 514 originations. The 2nd most popular length was 30 Year, with 313 originations.
Origination Fees/Closing Costs
National Exchange Bank And Trust's average total fees were $1,791, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 510 originations.
Interest Rates
During 2022, National Exchange Bank And Trust's average interest rate for loans was 4.61%, while their most frequently originated rate bucket for loans was 3-4%, with 313 originations.
Loan Sizing
2022 saw National Exchange Bank And Trust place emphasis on $100,000 or less loans with 568 originations, totaling $28,050,000 in origination value.
Applicant Income
National Exchange Bank And Trust lent most frequently to those with incomes in the $50k-75k range, with 248 originations. The second most popular income band? $50k or less, with 224 originations.
Applicant Debt to Income Ratio
National Exchange Bank And Trust lent most frequently to those with DTI ratios of 20-30%, with 286 originations. The next most common DTI ratio? 30-36%, with 187 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.90%
National Exchange Bank And Trust has an average approval rate.
Pick Rate
Approvals leading to origination83.87%
National Exchange Bank And Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1057.0 | 1 | $85,000 | $85,000 |
| 138.0 | 12 | $660,000 | $55,000 |
| 150.0 | 6 | $300,000 | $50,000 |
| 163.0 | 5 | $365,000 | $73,000 |
| 165.2 | 1 | $35,000 | $35,000 |
| 165.96 | 1 | $15,000 | $15,000 |
| 175.5 | 1 | $45,000 | $45,000 |
| 199.75 | 1 | $25,000 | $25,000 |
| 204.17 | 1 | $65,000 | $65,000 |
| 225.0 | 1 | $25,000 | $25,000 |
| 235.25 | 1 | $25,000 | $25,000 |
| 238.0 | 20 | $940,000 | $47,000 |
| 272.5 | 1 | $5,000 | $5,000 |
| 278.52 | 1 | $35,000 | $35,000 |
| 280.0 | 1 | $25,000 | $25,000 |
| 308.76 | 1 | $25,000 | $25,000 |
| 314.0 | 1 | $55,000 | $55,000 |
| 319.36 | 1 | $15,000 | $15,000 |
| 32.96 | 1 | $35,000 | $35,000 |
| 342.6 | 1 | $15,000 | $15,000 |
| 344.84 | 1 | $15,000 | $15,000 |
| 377.6 | 1 | $35,000 | $35,000 |
| 396.32 | 1 | $45,000 | $45,000 |
| 483.1 | 1 | $35,000 | $35,000 |
| 50.0 | 1 | $25,000 | $25,000 |
| 504.56 | 1 | $35,000 | $35,000 |
| 556.43 | 1 | $65,000 | $65,000 |
| 588.09 | 1 | $55,000 | $55,000 |
| 594.03 | 1 | $55,000 | $55,000 |
| 63.0 | 4 | $280,000 | $70,000 |
| 740.5 | 1 | $25,000 | $25,000 |
| 950.5 | 1 | $45,000 | $45,000 |
| NA | 1,079 | $180,545,000 | $167,326 |