Winona Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Winona averaged 6.52% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.64% and one month ago for the week of 2025-03-06, the average rate was 6.33%.

    Winona's average rate one year ago was 6.52%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.45%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Winona 30 Year Fixed Rate 2025-04-10 6.52%
    Winona 30 Year Fixed Rate Refi 2025-04-10 7.45%
    Winona 15 Year Fixed Rate 2025-04-10 5.92%
    Winona 15 Year Fixed Rate Refi 2025-04-10 5.72%
    Winona 30 Year FHA 2025-04-10 6.33%
    Winona 30 Year FHA Refi 2025-04-10 6.53%
    Winona 30 Year USDA 2025-04-10 6.65%
    Winona 30 Year USDA Refi 2025-04-10 6.55%
    Winona 30 Year VA 2025-04-10 6.19%
    Winona 30 Year VA Refi 2025-04-10 6.49%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Winona, MN.

    Winona Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Winona, MN market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Merchants Bank 124 6.41% $3,519
    ALTRA 68 6.78% $3,925
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 20 6.81% $6,320
    Bell Bank 14 6.67% $5,370
    UNITED WHOLESALE MORTGAGE, LLC 13 6.84% $6,387
    U.S. Bank 11 6.98% $3,846
    Alerus Financial 10 6.58% $3,793
    WNB Financial, N.A. 10 6.48% $3,650
    Bremer Bank 4 6.81% $3,824
    BAY EQUITY LLC 3 7.08% $5,808
    Servion, Inc. 3 6.88% $3,458
    Granite Community Bank 3 6.42% $4,255
    Think Mutual Bank 3 6.38% $3,703
    Wells Fargo Bank 3 6.33% $4,303
    GUARANTEED RATE, INC. 2 6.90% $4,351
    Frandsen Bank & Trust 2 5.63% $5,229
    QUICKEN LOANS, LLC 2 6.68% $4,502
    LOANDEPOT.COM, LLC 2 6.31% $6,982
    Bank of America 2 6.44% $2,556
    Associated Bank 2 6.38% $3,207
    PLAZA HOME MORTGAGE, INC. 1 7.13% $6,562
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $4,717
    SWBC MORTGAGE CORPORATION 1 6.63% $14,737
    AFFINITY PLUS 1 6.13% $3,671
    USAA Federal Savings Bank 1 6.63% $6,527
    UNION HOME MORTGAGE CORP. 1 7.13% $7,519
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.88% $1,566
    BROKER SOLUTIONS, INC. 1 6.63% $3,290
    CARDINAL FINANCIAL 1 6.63% $8,388
    Citizens Community Federal 1 6.75% $2,585
    Citizens State Bank of La Crosse 1 6.88% $3,683
    CMG MORTGAGE, INC. 1 6.88% $6,954
    CO-OP Credit Union 1 6.50% $2,034
    CORTRUST MORTGAGE, INC. 1 6.63% $6,292
    CROSSCOUNTRY MORTGAGE, LLC 1 6.63% $4,511
    DUPACO COMMUNITY 1 6.50% $5,390
    FIRST COMMUNITY MORTGAGE, INC. 1 7.50% $3,863
    First Federal Bank 1 5.63% $4,997
    Loan Simple, Inc. 1 7.25% $6,223
    MARINE 1 9.23% $6,728
    MAYO EMPLOYEES FEDERAL CREDIT UNION 1 6.50% $6,442
    Minnwest Bank 1 6.13% $4,000
    NAVY FEDERAL CREDIT UNION 1 6.63% $5,830
    North American Savings Bank, F.S.B. 1 7.38% $3,197
    PENNYMAC LOAN SERVICES, LLC 1 5.99% $11,533

    Winona Average Closing Costs & Other Stats

    Winona, MN's 45 lenders originated 964 loans during 2024. The total origination value was $154,660,000, with an average loan value of $160,436.

    Winona's average closing costs are $3,855.

    The top Winona lender as defined by loan originations is Merchants Bank, with 124 loans originated. Their average total fees are $3,519, which is $406 lower than the next largest lender, ALTRA.

    The lowest fee Winona lenders (with over 10 loans originated) are Merchants Bank ($3,519), WNB Financial, N.A. ($3,650), Alerus Financial ($3,793), U.S. Bank ($3,846) and ALTRA ($3,925).

    The lowest rate Winona lenders (with over 10 loans originated) are Merchants Bank (6.41%), WNB Financial, N.A. (6.48%), Alerus Financial (6.58%), Bell Bank (6.67%) and ALTRA (6.78%).

    Winona, MN Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Merchants Bank $50,220,000 $50,485,000 0.5% 32.6%
    ALTRA $22,550,000 $24,895,000 10.4% 16.1%
    Foresight Bank $4,255,000 $7,005,000 64.6% 4.5%
    Bell Bank $3,340,000 $6,990,000 109.3% 4.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,235,000 $6,840,000 453.8% 4.4%
    WNB Financial, N.A. $13,300,000 $5,230,000 -60.7% 3.4%
    UNITED WHOLESALE MORTGAGE, LLC $4,040,000 $4,890,000 21.0% 3.2%
    Alerus Financial $3,280,000 n/a 2.1%
    U.S. Bank $2,125,000 $2,760,000 29.9% 1.8%
    Bremer Bank $3,850,000 $2,330,000 -39.5% 1.5%
    Minnwest Bank $2,870,000 $2,275,000 -20.7% 1.5%
    Peoples State Bank of Plainview $1,705,000 $1,595,000 -6.5% 1.0%
    State Bank Financial $245,000 $1,575,000 542.9% 1.0%
    AFFINITY PLUS $2,220,000 $1,510,000 -32.0% 1.0%
    Coulee Bank $1,510,000 n/a 1.0%
    QUICKEN LOANS, LLC $1,885,000 $1,365,000 -27.6% 0.9%
    Mortgage Research Center, LLC $1,335,000 $1,355,000 1.5% 0.9%
    Eitzen State Bank $505,000 $1,110,000 119.8% 0.7%
    BAY EQUITY LLC $1,095,000 n/a 0.7%
    USAA Federal Savings Bank $115,000 $990,000 760.9% 0.6%
    MARINE $920,000 $985,000 7.1% 0.6%
    Think Mutual Bank $1,025,000 $930,000 -9.3% 0.6%
    Bluff View Bank $990,000 $905,000 -8.6% 0.6%
    Wells Fargo Bank $1,605,000 $905,000 -43.6% 0.6%
    NAVY FEDERAL CREDIT UNION $735,000 $840,000 14.3% 0.5%
    PENNYMAC LOAN SERVICES, LLC $805,000 n/a 0.5%
    Servion, Inc. $475,000 $785,000 65.3% 0.5%
    F & M Community Bank $265,000 $775,000 192.5% 0.5%
    COMPEER FINANCIAL, FLCA $2,065,000 $760,000 -63.2% 0.5%
    CMG MORTGAGE, INC. $260,000 $720,000 176.9% 0.5%
    CO-OP Credit Union $720,000 n/a 0.5%
    Prosperity Home Mortgage, LLC $665,000 $700,000 5.3% 0.5%
    Granite Community Bank $595,000 n/a 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $255,000 $570,000 123.5% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $195,000 $540,000 176.9% 0.3%
    LOANDEPOT.COM, LLC $465,000 $510,000 9.7% 0.3%
    DUPACO COMMUNITY $505,000 n/a 0.3%
    GUARANTEED RATE, INC. $525,000 $500,000 -4.8% 0.3%
    BankVista $1,175,000 $495,000 -57.9% 0.3%
    MAYO EMPLOYEES FEDERAL CREDIT UNION $495,000 n/a 0.3%
    FIRST COMMUNITY MORTGAGE, INC. $155,000 $490,000 216.1% 0.3%
    Frandsen Bank & Trust $215,000 $480,000 123.3% 0.3%
    UNION HOME MORTGAGE CORP. $215,000 $450,000 109.3% 0.3%
    GENEVA FINANCIAL, LLC $405,000 n/a 0.3%
    BROKER SOLUTIONS, INC. $530,000 $400,000 -24.5% 0.3%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $380,000 n/a 0.2%
    SWBC MORTGAGE CORPORATION $375,000 n/a 0.2%
    21ST MORTGAGE CORPORATION $715,000 $360,000 -49.7% 0.2%
    Plains Commerce Bank $515,000 $355,000 -31.1% 0.2%
    Associated Bank $420,000 $340,000 -19.0% 0.2%
    Citizens State Bank of La Crosse $690,000 $340,000 -50.7% 0.2%
    First Federal Bank $720,000 $335,000 -53.5% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $335,000 n/a 0.2%
    Bank of America $480,000 $330,000 -31.3% 0.2%
    CORTRUST MORTGAGE, INC. $315,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $315,000 n/a 0.2%
    Park Bank $45,000 $310,000 588.9% 0.2%
    TRIAD FINANCIAL SERVICES, INC. $115,000 $280,000 143.5% 0.2%
    Midwest Heritage Bank FSB $255,000 n/a 0.2%
    MILEND, INC. $235,000 $255,000 8.5% 0.2%
    Tradition Mortgage, LLC $115,000 $255,000 121.7% 0.2%
    First Alliance Credit Union $575,000 $245,000 -57.4% 0.2%
    JPMorgan Chase Bank $245,000 n/a 0.2%
    PLAZA HOME MORTGAGE, INC. $245,000 n/a 0.2%
    North American Savings Bank, F.S.B. $235,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $225,000 n/a 0.1%
    Royal Credit Union $325,000 $215,000 -33.8% 0.1%
    ALLIED MORTGAGE GROUP, INC. $205,000 n/a 0.1%
    Citizens Community Federal $205,000 n/a 0.1%
    EMM LOANS LLC $205,000 n/a 0.1%
    ALLIANT CREDIT UNION $195,000 n/a 0.1%
    Ally Bank $195,000 n/a 0.1%
    Loan Simple, Inc. $195,000 n/a 0.1%
    CARDINAL FINANCIAL $185,000 n/a 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $570,000 $185,000 -67.5% 0.1%
    Paramount Residential Mortgage Group, Inc. $175,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $95,000 $155,000 63.2% 0.1%
    GOVERNMENTAL EMPLOYEES $185,000 $155,000 -16.2% 0.1%
    FINANCE OF AMERICA REVERSE LLC $115,000 $115,000 0.0% 0.1%
    South Metro Federal Credit Union $105,000 n/a 0.1%
    Firefighters Credit Union $115,000 $55,000 -52.2% 0.0%
    SPIRE Credit Union $55,000 n/a 0.0%
    Coastal Community Bank $55,000 $50,000 -9.1% 0.0%
    Figure Lending LLC $35,000 n/a 0.0%
    Centier Bank $35,000 $15,000 -57.1% 0.0%

    Winona's top lender by overall market share is Merchants Bank, with 32.6% market share. In second place, with 16.1%, is ALTRA, having originated $24,895,000 in loans. In third place, with 4.5%, is Foresight Bank, having originated $7,005,000 in loans. In fourth place, with 4.5%, is Bell Bank, having originated $6,990,000 in loans. In fifth place, with 4.4%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $6,840,000 in loans.

    Winona Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Winona (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $149,450 (7.5%) $199,737 (4.4%) 0.00 103
    2018-02-01 $149,900 (6.2%) $199,911 (4.4%) 0.00 93
    2018-03-01 $164,900 (12.0%) $209,429 (4.9%) 0.00 93
    2018-04-01 $173,675 (16.6%) $229,213 (12.3%) 0.00 112
    2018-05-01 $181,050 (19.3%) $238,157 (18.9%) 0.00 121
    2018-06-01 $179,900 (14.6%) $247,487 (22.2%) 0.00 131
    2018-07-01 $179,900 (3.0%) $245,641 (18.1%) 0.00 157
    2018-08-01 $182,175 (9.7%) $242,664 (15.9%) 0.00 179
    2018-09-01 $179,900 (14.6%) $240,055 (15.5%) 0.00 189
    2018-10-01 $176,950 (14.7%) $233,798 (14.4%) 0.00 191
    2018-11-01 $174,925 (16.7%) $234,587 (18.4%) 0.00 171
    2018-12-01 $174,950 (20.7%) $242,614 (22.9%) 0.00 136
    2019-01-01 $162,300 (8.6%) $237,692 (19.0%) 0.00 102
    2019-02-01 $159,950 (6.7%) $244,534 (22.3%) 0.00 85
    2019-03-01 $189,950 (15.2%) $265,445 (26.8%) 0.00 96
    2019-04-01 $222,475 (28.1%) $280,239 (22.3%) 0.00 112
    2019-05-01 $225,000 (24.3%) $280,237 (17.7%) 0.00 130
    2019-06-01 $225,950 (25.6%) $283,379 (14.5%) 0.00 138
    2019-07-01 $198,100 (10.1%) $265,745 (8.2%) 0.00 138
    2019-08-01 $199,391 (9.5%) $255,030 (5.1%) 0.00 146
    2019-09-01 $199,677 (11.0%) $245,703 (2.4%) 0.00 153
    2019-10-01 $199,868 (13.0%) $240,597 (2.9%) 0.00 153
    2019-11-01 $187,450 (7.2%) $252,789 (7.8%) 0.00 131
    2019-12-01 $193,725 (10.7%) $227,737 (-6.1%) 0.00 116
    2020-01-01 $210,000 (29.4%) $238,909 (0.5%) 0.00 97
    2020-02-01 $194,900 (21.9%) $227,546 (-7.0%) 0.00 89
    2020-03-01 $193,450 (1.8%) $239,296 (-9.9%) 0.00 83
    2020-04-01 $204,900 (-7.9%) $233,722 (-16.6%) 0.00 92
    2020-05-01 $209,900 (-6.7%) $243,624 (-13.1%) 0.00 100
    2020-06-01 $243,700 (7.9%) $276,304 (-2.5%) 0.00 100
    2020-07-01 $222,500 (12.3%) $272,133 (2.4%) 0.00 96
    2020-08-01 $234,500 (17.6%) $298,605 (17.1%) 0.00 87
    2020-09-01 $249,900 (25.2%) $313,507 (27.6%) 0.00 89
    2020-10-01 $224,900 (12.5%) $290,400 (20.7%) 0.00 89
    2020-11-01 $222,475 (18.7%) $290,857 (15.1%) 0.00 71
    2020-12-01 $194,925 (0.6%) $273,410 (20.1%) 0.00 59
    2021-01-01 $215,000 (2.4%) $267,768 (12.1%) 0.00 43
    2021-02-01 $207,500 (6.5%) $253,725 (11.5%) 0.00 38
    2021-03-01 $217,475 (12.4%) $267,061 (11.6%) 0.00 34
    2021-04-01 $176,950 (-13.6%) $234,916 (0.5%) 0.00 41
    2021-05-01 $199,950 (-4.7%) $274,884 (12.8%) 0.00 43
    2021-06-01 $211,950 (-13.0%) $279,004 (1.0%) 0.00 53
    2021-07-01 $219,450 (-1.4%) $281,876 (3.6%) 0.00 76
    2021-08-01 $199,900 (-14.8%) $266,852 (-10.6%) 0.00 87
    2021-09-01 $199,675 (-20.1%) $263,892 (-15.8%) 0.00 78
    2021-10-01 $219,900 (-2.2%) $277,526 (-4.4%) 0.00 70
    2021-11-01 $224,500 (0.9%) $287,378 (-1.2%) 0.00 52
    2021-12-01 $199,950 (2.6%) $272,381 (-0.4%) 0.00 49
    2022-01-01 $184,900 (-14.0%) $254,404 (-5.0%) 0.00 41
    2022-02-01 $202,475 (-2.4%) $328,024 (29.3%) 0.00 36
    2022-03-01 $243,900 (12.2%) $340,131 (27.4%) 0.00 28
    2022-04-01 $211,950 (19.8%) $327,508 (39.4%) 0.00 32
    2022-05-01 $221,150 (10.6%) $325,274 (18.3%) 0.00 44
    2022-06-01 $244,500 (15.4%) $326,195 (16.9%) 0.00 56
    2022-07-01 $244,000 (11.2%) $317,716 (12.7%) 0.00 62
    2022-08-01 $253,500 (26.8%) $323,608 (21.3%) 0.00 60
    2022-09-01 $244,350 (22.4%) $305,048 (15.6%) 0.00 62
    2022-10-01 $249,000 (13.2%) $332,439 (19.8%) 0.00 61
    2022-11-01 $251,100 (11.9%) $336,519 (17.1%) 0.00 55
    2022-12-01 $237,000 (18.5%) $337,402 (23.9%) 0.00 50
    2023-01-01 $287,950 (55.7%) $374,634 (47.3%) 0.00 42
    2023-02-01 $271,150 (33.9%) $300,567 (-8.4%) 0.00 39
    2023-03-01 $257,450 (5.6%) $296,310 (-12.9%) 0.00 36
    2023-04-01 $291,000 (37.3%) $402,003 (22.8%) 0.00 38
    2023-05-01 $298,475 (35.0%) $412,076 (26.7%) 0.00 46
    2023-06-01 $297,650 (21.7%) $418,783 (28.4%) 0.00 56
    2023-07-01 $317,450 (30.1%) $426,426 (34.2%) 0.00 52
    2023-08-01 $302,425 (19.3%) $421,741 (30.3%) 0.00 60
    2023-09-01 $302,450 (23.8%) $424,983 (39.3%) 0.00 58
    2023-10-01 $291,000 (16.9%) $400,186 (20.4%) 0.00 61
    2023-11-01 $357,000 (42.2%) $448,601 (33.3%) 0.00 56
    2023-12-01 $327,500 (38.2%) $435,432 (29.1%) 0.00 49
    2024-01-01 $355,000 (23.3%) $439,081 (17.2%) 0.00 39
    2024-02-01 $452,400 (66.8%) $500,278 (66.4%) 0.00 36
    2024-03-01 $445,000 (72.9%) $485,115 (63.7%) 0.00 36
    2024-04-01 $356,200 (22.4%) $453,179 (12.7%) 0.00 44
    2024-05-01 $367,500 (23.1%) $432,254 (4.9%) 0.00 45
    2024-06-01 $371,500 (24.8%) $448,677 (7.1%) 0.00 51
    2024-07-01 $339,900 (7.1%) $422,420 (-0.9%) 0.00 53
    2024-08-01 $309,900 (2.5%) $400,499 (-5.0%) 0.00 56
    2024-09-01 $275,000 (-9.1%) $361,507 (-14.9%) 0.00 62
    2024-10-01 $275,000 (-5.5%) $513,054 (28.2%) 0.00 65
    2024-11-01 $259,900 (-27.2%) $499,190 (11.3%) 0.00 68
    2024-12-01 $264,925 (-19.1%) $515,836 (18.5%) 0.00 64
    2025-01-01 $269,900 (-24.0%) $563,781 (28.4%) 0.00 56
    2025-02-01 $310,000 (-31.5%) $640,745 (28.1%) 0.00 45
    2025-03-01 $299,900 (-32.6%) $642,725 (32.5%) 0.00 43
    Winona's median listing price for 2025-03-01 was $299,900, a difference of $-145,100 (-32.6%) versus the prior year and $-10,100 versus the prior month.

    Winona's median listing price comes in at 0% of the national average.

    Winona's average listing price for 2025-03-01 was $642,725, a difference of $157,610 (32.5%) versus the prior year and $1,980 versus the prior month.

    For the 2025-03-01 period, Winona had 43 MLS listings, a difference of -2 listings (-4%) versus the prior month and 7 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Winona (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,245 sqft
    2018-02-01 0 days 2,258 sqft
    2018-03-01 0 days 2,435 sqft
    2018-04-01 0 days 2,500 sqft
    2018-05-01 0 days 2,513 sqft
    2018-06-01 0 days 2,538 sqft
    2018-07-01 0 days 2,528 sqft
    2018-08-01 0 days 2,463 sqft
    2018-09-01 0 days 2,454 sqft
    2018-10-01 0 days 2,424 sqft
    2018-11-01 0 days 2,445 sqft
    2018-12-01 0 days 2,454 sqft
    2019-01-01 0 days 1,962 sqft
    2019-02-01 0 days 1,929 sqft
    2019-03-01 0 days 2,103 sqft
    2019-04-01 0 days 2,215 sqft
    2019-05-01 0 days 2,130 sqft
    2019-06-01 0 days 2,124 sqft
    2019-07-01 0 days 1,995 sqft
    2019-08-01 0 days 1,991 sqft
    2019-09-01 0 days 1,927 sqft
    2019-10-01 0 days 1,877 sqft
    2019-11-01 0 days 1,863 sqft
    2019-12-01 0 days 1,852 sqft
    2020-01-01 0 days 1,854 sqft
    2020-02-01 0 days 1,770 sqft
    2020-03-01 0 days 1,890 sqft
    2020-04-01 0 days 1,881 sqft
    2020-05-01 0 days 1,896 sqft
    2020-06-01 0 days 2,281 sqft
    2020-07-01 0 days 2,037 sqft
    2020-08-01 0 days 2,160 sqft
    2020-09-01 0 days 2,410 sqft
    2020-10-01 0 days 2,221 sqft
    2020-11-01 0 days 2,199 sqft
    2020-12-01 0 days 1,945 sqft
    2021-01-01 0 days 1,945 sqft
    2021-02-01 0 days 1,939 sqft
    2021-03-01 0 days 1,931 sqft
    2021-04-01 0 days 1,668 sqft
    2021-05-01 0 days 1,919 sqft
    2021-06-01 0 days 1,930 sqft
    2021-07-01 0 days 1,906 sqft
    2021-08-01 0 days 1,720 sqft
    2021-09-01 0 days 1,753 sqft
    2021-10-01 0 days 1,749 sqft
    2021-11-01 0 days 1,792 sqft
    2021-12-01 0 days 1,844 sqft
    2022-01-01 0 days 1,694 sqft
    2022-02-01 0 days 2,367 sqft
    2022-03-01 0 days 2,328 sqft
    2022-04-01 0 days 2,254 sqft
    2022-05-01 0 days 1,705 sqft
    2022-06-01 0 days 1,794 sqft
    2022-07-01 0 days 1,998 sqft
    2022-08-01 0 days 1,899 sqft
    2022-09-01 0 days 1,911 sqft
    2022-10-01 0 days 2,119 sqft
    2022-11-01 0 days 2,037 sqft
    2022-12-01 0 days 2,003 sqft
    2023-01-01 0 days 2,022 sqft
    2023-02-01 0 days 1,737 sqft
    2023-03-01 0 days 1,824 sqft
    2023-04-01 0 days 2,122 sqft
    2023-05-01 0 days 2,077 sqft
    2023-06-01 0 days 2,052 sqft
    2023-07-01 0 days 2,163 sqft
    2023-08-01 0 days 1,985 sqft
    2023-09-01 0 days 2,041 sqft
    2023-10-01 0 days 2,054 sqft
    2023-11-01 0 days 2,165 sqft
    2023-12-01 0 days 2,127 sqft
    2024-01-01 0 days 2,143 sqft
    2024-02-01 0 days 2,323 sqft
    2024-03-01 0 days 2,540 sqft
    2024-04-01 0 days 2,568 sqft
    2024-05-01 0 days 2,527 sqft
    2024-06-01 0 days 2,351 sqft
    2024-07-01 0 days 2,039 sqft
    2024-08-01 0 days 1,872 sqft
    2024-09-01 0 days 1,714 sqft
    2024-10-01 0 days 1,845 sqft
    2024-11-01 0 days 1,728 sqft
    2024-12-01 0 days 1,681 sqft
    2025-01-01 0 days 1,698 sqft
    2025-02-01 0 days 2,033 sqft
    2025-03-01 0 days 1,948 sqft
    Winona's median listing age (time on market) for 2025-03-01 was 0 days.

    Winona's median square footage for active listings during the 2025-03-01 period was 1,948 sqft. One year prior, the average listing was 2,540 sqft.

    Winona, MN Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 505 $107,885,000 $213,634
    Refi 184 $23,930,000 $130,054
    Other 142 $8,820,000 $62,113
    Home Improvement 83 $4,875,000 $58,735
    Cash Out Refi 50 $9,150,000 $183,000

    Winona's most frequently cited loan purpose was Home Purchase, with 505 originations. The 2nd most popular reason was Refi, with 184 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 334 $64,670,000 $193,623
    5-6% 263 $34,945,000 $132,871
    7-8% 158 $26,720,000 $169,114
    Over 8% 123 $9,305,000 $75,650
    <2.5% 21 $395,000 $18,810
    4-5% 16 $2,450,000 $153,125
    3-4% 1 $425,000 $425,000
    2.5-3% 1 $15,000 $15,000

    During 2024, Winona's most frequently originated rate bucket was 6-7%, with 334 originations.

    Loan Sizing (Winona, MN MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 393 $18,695,000 $47,570
    $100k-200k 289 $44,455,000 $153,824
    $200k-400k 233 $61,855,000 $265,472
    $400k-600k 38 $17,640,000 $464,211
    $600k-1000k 9 $6,515,000 $723,889
    $Over $1MM 2 $5,500,000 $2,750,000

    Winona's loan sizing saw the bucket of loans from $100,000 or less with 393 originations, totaling $18,695,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 299 $68,105,000 $227,776
    Under 20% 217 $8,475,000 $39,055
    20-40% 150 $13,260,000 $88,400
    60-80% 149 $32,875,000 $220,638
    40-60% 85 $12,925,000 $152,059
    Over 100% 6 $2,210,000 $368,333

    Winona's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 299 originations, totaling $68,105,000 in origination value.