Wolf River Community Bank Mortgage Rates, Fees & Info

Hortonville, WI

LEI: 549300JCUSJMRA75V483

Tax ID: 39-1832101

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

Jump to:

  • 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

    Wolf River Community Bank is a smaller bank specializing in Home Purchase loans. Wolf River Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Oshkosh, Green Bay, Shawano, and Milwaukee among others. We have data for 9 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Wolf River Community Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Wolf River Community Bank 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 6.65% 11/21/24
    30 Year Conventional Refi 6.62% 11/21/24
    30 Year Cash-out Refi 6.75% 11/21/24
    15 Year Conventional Purchase 5.99% 11/21/24
    15 Year Conventional Refi 6.08% 11/21/24
    15 Year Cash-out Refi 6.08% 11/21/24
    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.

    Wolf River Community Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Wolf River Community Bank. 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

    196

    Origination Dollar Volume (All Markets)

    $35,960,000
    Show all (5) 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
    APPLETON, WI (FHA|USDA|VA) 105 $18,615,000 $177,286 $1,359 5.11%
    Outside of Metro Areas 54 $9,650,000 $178,704 $1,250 4.76%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 24 $4,700,000 $195,833 $1,585 5.11%
    GREEN BAY, WI (FHA|USDA|VA) 5 $1,425,000 $285,000 $1,059 4.73%
    Shawano, WI (FHA|USDA|VA) 3 $775,000 $258,333 $1,175 5.16%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $415,000 $415,000 $1,402 4.38%
    MADISON, WI (FHA|USDA|VA) 2 $170,000 $85,000 $1,098 5.68%
    Iron Mountain, MI-WI (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.59%
    FOND DU LAC, WI (FHA|USDA|VA) 1 $105,000 $105,000 $977 3.50%
    Wolf River Community Bank's top markets include Appleton, Oshkosh, Green Bay, Shawano, and Milwaukee among others.

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

    • Similar Lenders

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

    UNISON CREDIT UNION
    Similarity Rank: 70
    PROSPERA Credit Union
    Similarity Rank: 84
    Fox Valley Savings Bank
    Similarity Rank: 130
    FOX COMMUNITIES
    Similarity Rank: 297
    Hometown Bank
    Similarity Rank: 425
    VERVE, A CREDIT UNION
    Similarity Rank: 551
    Wolf River Community Bank
    Similarity Rank: 558
    BLC Community Bank
    Similarity Rank: 560
    CAPITAL Credit Union
    Similarity Rank: 600
    Fortifi Bank
    Similarity Rank: 651

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 196 $35,960,000 $183,469 $1,329 5.00%

    For 2022, Wolf River Community Bank's most frequently originated type of loan was Conventional, with 196 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 95 $24,055,000 $253,211 $1,895 5.14%
    Cash Out Refi 35 $6,055,000 $173,000 $1,279 4.61%
    Refi 25 $4,025,000 $161,000 $1,206 4.69%
    Home Improvement 24 $1,100,000 $45,833 $343 5.09%
    Other 17 $725,000 $42,647 $507 5.37%

    For 2022, Wolf River Community Bank's most frequently cited loan purpose was Home Purchase, with 95 originations. The 2nd most popular reason was Cash Out Refi, with 35 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 91 $22,395,000 $246,099 $1,781 4.88%
    5 Year 47 $8,795,000 $187,128 $245 5.47%
    Other 34 $2,110,000 $62,059 $421 5.16%
    15 Year 10 $1,310,000 $131,000 $1,580 3.82%
    20 Year 8 $1,140,000 $142,500 $1,428 4.98%
    3 Year 4 $60,000 $15,000 $283 4.80%
    10 Year 2 $150,000 $75,000 $938 3.38%

    For 2022, Wolf River Community Bank's most frequently cited loan duration was 30 Year, with 91 originations. The 2nd most popular length was 5 Year, with 47 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 138 $22,950,000 $166,304
    $1k-2k 14 $2,910,000 $207,857
    $2k-3k 2 $670,000 $335,000
    $4k-5k 2 $530,000 $265,000
    $3k-4k 1 $305,000 $305,000

    Wolf River Community Bank's average total fees were $1,781, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 138 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 67 $11,405,000 $170,224
    4-5% 61 $10,825,000 $177,459
    3-4% 38 $7,400,000 $194,737
    6-7% 23 $5,575,000 $242,391
    2.5-3% 4 $570,000 $142,500
    7-8% 2 $100,000 $50,000
    <2.5% 1 $85,000 $85,000

    During 2022, Wolf River Community Bank's average interest rate for loans was 4.88%, while their most frequently originated rate bucket for loans was 5-6%, with 67 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 68 $9,630,000 $141,618 $1,589 4.97%
    $100,000 or less 66 $3,390,000 $51,364 $663 5.11%
    $200k-400k 43 $12,225,000 $284,302 $2,008 4.97%
    $400k-600k 16 $7,660,000 $478,750 $1,556 4.83%
    $600k-1MM 2 $1,250,000 $625,000 $928 4.10%
    $1MM+ 1 $1,805,000 $1,805,000 $0 6.50%

    2022 saw Wolf River Community Bank place emphasis on $100k-200k loans with 68 originations, totaling $9,630,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $75k-100k 39 $5,925,000 $151,923 $1,358 5.02%
    $50k-75k 36 $4,910,000 $136,389 $1,325 4.70%
    $100k-150k 29 $5,475,000 $188,793 $1,313 5.00%
    $50k or less 29 $2,595,000 $89,483 $1,244 5.24%
    $150k-250k 21 $7,005,000 $333,571 $1,336 4.58%
    $250k+ 10 $2,870,000 $287,000 $1,442 4.41%

    Wolf River Community Bank lent most frequently to those with incomes in the $75k-100k range, with 39 originations. The second most popular income band? $50k-75k, with 36 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 46 $6,880,000 $149,565 $1,115 5.02%
    30-36% 33 $6,465,000 $195,909 $1,454 4.68%
    <20% 17 $3,115,000 $183,235 $1,388 4.20%
    37% 9 $2,245,000 $249,444 $1,285 5.23%
    50-60% 7 $1,065,000 $152,143 $1,165 4.68%
    41% 6 $1,020,000 $170,000 $1,240 5.16%
    43% 6 $890,000 $148,333 $1,075 5.26%
    40% 5 $755,000 $151,000 $1,431 5.31%
    38% 5 $745,000 $149,000 $883 5.14%
    42% 5 $805,000 $161,000 $1,185 4.82%
    44% 5 $785,000 $157,000 $2,034 5.45%
    47% 4 $700,000 $175,000 $2,684 4.53%
    36% 4 $830,000 $207,500 $1,963 4.62%
    39% 3 $825,000 $275,000 $1,426 5.21%
    45% 1 $45,000 $45,000 $250 5.24%
    >60% 1 $275,000 $275,000 $1,866 4.99%

    Wolf River Community Bank lent most frequently to those with DTI ratios of 20-30%, with 46 originations. The next most common DTI ratio? 30-36%, with 33 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 159 $27,325,000 $171,855 $1,307 4.91%
    Not applicable 31 $6,955,000 $224,355 $0 5.55%
    Asian 6 $1,680,000 $280,000 $1,883 4.77%

    Approval Rates

    Total approvals of all applications
    95.48%

    Wolf River Community Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    92.35%

    Wolf River Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 196 $35,960,000 $183,469

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    196 $35,960,000 $183,469

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $3,675,000 $111,364 $902 4.83%
    40-60% 21 $4,565,000 $217,381 $1,415 5.07%
    60-80% 64 $14,930,000 $233,281 $1,736 5.00%
    80-100% 49 $11,845,000 $241,735 $1,965 4.88%
    Under 20% 29 $945,000 $32,586 $265 5.37%