Winnebago Community Mortgage Rates, Fees & Info

Oshkosh, WI

LEI: 549300WIUM7ZRD6OV340

Tax ID: 39-0938509

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

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    Winnebago Community is a smaller mortgage company specializing in Refi loans. Winnebago Community has a high proportion of conventional loans. Their top markets by origination volume include: Oshkosh, Appleton, Fond Du Lac, Milwaukee, and Marinette among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Winnebago Community 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.

    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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    Originations

    180

    Origination Dollar Volume (All Markets)

    $27,210,000

    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
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 151 $22,045,000 $145,993 $0 0.00%
    APPLETON, WI (FHA|USDA|VA) 16 $3,340,000 $208,750 $0 0.00%
    Outside of Metro Areas 6 $860,000 $143,333 $0 0.00%
    FOND DU LAC, WI (FHA|USDA|VA) 5 $735,000 $147,000 $0 0.00%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
    Marinette, WI-MI (FHA|USDA|VA) 1 $55,000 $55,000 $0 0.00%
    Winnebago Community's top markets include Oshkosh, Appleton, Fond Du Lac, Milwaukee, and Marinette among others.

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

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 180 $27,210,000 $151,167 $0 0.00%

    For 2020, Winnebago Community's most frequently originated type of loan was Conventional, with 180 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 150 $23,400,000 $156,000 $0 0.00%
    Home Purchase 28 $3,740,000 $133,571 $0 0.00%
    Home Improvement 1 $35,000 $35,000 $0 0.00%
    Other 1 $35,000 $35,000 $0 0.00%

    For 2020, Winnebago Community's most frequently cited loan purpose was Refi, with 150 originations. The 2nd most popular reason was Home Purchase, with 28 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 180 $27,210,000 $151,167 $0 0.00%

    For 2020, Winnebago Community's most frequently cited loan duration was Other, with 180 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 71 $10,215,000 $143,873 $0 0.00%
    $100,000 or less 65 $4,465,000 $68,692 $0 0.00%
    $200k-400k 43 $11,325,000 $263,372 $0 0.00%
    $1MM+ 1 $1,205,000 $1,205,000 $0 0.00%

    2020 saw Winnebago Community place emphasis on $100k-200k loans with 71 originations, totaling $10,215,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 54 $8,410,000 $155,741 $0 0.00%
    $75k-100k 37 $5,155,000 $139,324 $0 0.00%
    $50k-75k 35 $5,305,000 $151,571 $0 0.00%
    $50k or less 26 $1,920,000 $73,846 $0 0.00%
    $150k-250k 25 $5,565,000 $222,600 $0 0.00%
    $250k+ 3 $855,000 $285,000 $0 0.00%

    Winnebago Community lent most frequently to those with incomes in the $100k-150k range, with 54 originations. The second most popular income band? $75k-100k, with 37 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 180 $27,210,000 $151,167 $0 0.00%

    Winnebago Community lent most frequently to those with DTI ratios of Exempt%, with 180 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 169 $25,905,000 $153,284 $0 0.00%
    Not provided 8 $1,070,000 $133,750 $0 0.00%
    Other Asian 1 $115,000 $115,000 $0 0.00%
    Other Pacific Islander 1 $105,000 $105,000 $0 0.00%
    Asian 1 $15,000 $15,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    99.48%

    Winnebago Community 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
    93.33%

    Winnebago Community has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 180 $27,210,000 $151,167

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 180 $27,210,000 $151,167