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 6.84% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 6.67% and one month ago for the week of 2023-02-09, the average rate was 6.46%.

    Winona's average rate one year ago was 3.33%.

    For refis of the same type during the week of 2023-03-16, the average rate was 7.16%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Winona 30 Year Fixed Rate 2023-03-16 6.84%
    Winona 30 Year Fixed Rate Refi 2023-03-16 7.16%
    Winona 15 Year Fixed Rate 2023-03-16 6.73%
    Winona 15 Year Fixed Rate Refi 2023-03-16 6.43%
    Winona 30 Year FHA 2023-03-16 6.25%
    Winona 30 Year FHA Refi 2023-03-16 6.24%
    Winona 30 Year USDA 2023-03-16 6.09%
    Winona 30 Year USDA Refi 2023-03-16 6.14%
    Winona 30 Year VA 2023-03-16 6.27%
    Winona 30 Year VA Refi 2023-03-16 5.91%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Merchants Bank 148 4.79% $3,756
    ALTRA 112 4.83% $3,511
    WNB Financial, N.A. 34 4.95% $3,434
    Bell Bank 26 5.66% $3,992
    Wells Fargo Bank 19 4.67% $4,708
    Home Federal Savings Bank 15 5.13% $4,038
    UNITED WHOLESALE MORTGAGE, LLC 12 5.34% $4,474
    Bremer Bank 10 5.24% $4,097
    AFFINITY PLUS 10 5.24% $3,506
    QUICKEN LOANS, LLC 8 5.29% $7,211
    LOANDEPOT.COM, LLC 7 4.36% $7,160
    LAND HOME FINANCIAL SERVICES, INC. 5 6.05% $4,557
    U.S. Bank 5 4.82% $2,965
    Prosperity Home Mortgage, LLC 4 5.13% $3,954
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 5.09% $4,963
    Coulee Bank 3 4.58% $4,033
    American Mortgage & Equity Consultants, Inc. 3 5.17% $11,397
    First Federal Bank 3 4.96% $4,715
    JPMorgan Chase Bank 3 5.04% $4,051
    Minnwest Bank 3 4.54% $4,692
    RESULTS MORTGAGE, LLC 3 4.38% $5,985
    Servion, Inc. 3 5.04% $3,196
    Think Mutual Bank 3 4.75% $4,784
    CROSSCOUNTRY MORTGAGE, LLC 2 6.06% $4,643
    GUARANTEED RATE AFFINITY, LLC 2 6.06% $4,329
    Tradition Mortgage, LLC 2 4.94% $3,146
    Associated Bank 2 5.06% $2,740
    EVERETT FINANCIAL, INC. 2 6.56% $1,953
    Firefighters Credit Union 2 3.50% $3,256
    GUILD MORTGAGE COMPANY 1 5.88% $3,545
    Citizens State Bank of La Crosse 1 4.25% $3,301
    University of Wisconsin Credit Union 1 5.00% $3,223
    KELLER MORTGAGE, LLC 1 4.88% $3,108
    LAKEVIEW LOAN SERVICING, LLC 1 5.34% $6,415
    Century Mortgage Company DBA Century Lending Company 1 7.13% $4,708
    BEST CAPITAL FUNDING 1 4.63% $3,679
    MAYO EMPLOYEES FEDERAL CREDIT UNION 1 5.50% $5,148
    BAY EQUITY LLC 1 5.38% $4,581
    AMERISAVE MORTGAGE CORPORATION 1 4.75% $11,282
    Mortgage Research Center, LLC 1 6.50% $2,587
    MOVEMENT MORTGAGE, LLC 1 6.63% $3,951
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.75% $3,005
    NEWREZ LLC 1 5.88% $5,783
    North American Savings Bank, F.S.B. 1 4.88% $296
    Old National Bank 1 3.88% $4,259
    Paramount Residential Mortgage Group, Inc. 1 4.50% $6,015
    PENNYMAC LOAN SERVICES, LLC 1 6.00% $4,566
    Plains Commerce Bank 1 3.25% $2,583
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.75% $4,066
    Barrington Bank & Trust Company, N.A. 1 4.13% $4,348
    BankVista 1 4.50% $2,148
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 6.63% $4,933
    Royal Bank 1 5.88% $2,722
    WINGS FINANCIAL 1 5.00% $2,622
    Summit Mortgage Corporation 1 3.88% $3,296
    ALAMEDA MORTGAGE CORPORATION 1 5.38% $5,665
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION 1 5.13% $3,485
    Deere Employees Credit Union 1 6.50% $2,591
    Deseret First Credit Union 1 6.88% $4,148
    DUPACO COMMUNITY 1 5.00% $2,931
    CMG MORTGAGE, INC. 1 7.13% $3,923
    Flagstar Bank, FSB 1 3.25% $3,293
    FREEDOM MORTGAGE CORPORATION 1 5.25% $2,422
    Gate City Bank 1 4.50% $3,932
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.99% $9,870
    GUARANTEED RATE, INC. 1 4.99% $6,546

    Winona Average Closing Costs & Other Stats

    Winona, MN's 66 lenders originated 1,331 loans during 2022. The total origination value was $214,665,000, with an average loan value of $161,281.

    Winona's average closing costs are $3,665.

    The top Winona lender as defined by loan originations is Merchants Bank, with 148 loans originated. Their average total fees are $3,756, which is $245 higher than the next largest lender, ALTRA.

    The lowest fee Winona lenders (with over 10 loans originated) are WNB Financial, N.A. ($3,434), AFFINITY PLUS ($3,506), ALTRA ($3,511), Merchants Bank ($3,756) and Bell Bank ($3,992).

    The lowest rate Winona lenders (with over 10 loans originated) are Wells Fargo Bank (4.67%), Merchants Bank (4.79%), ALTRA (4.83%), WNB Financial, N.A. (4.95%) and Home Federal Savings Bank (5.13%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Merchants Bank $90,195,000 $69,905,000 -22.5% 32.6%
    ALTRA $55,605,000 $36,315,000 -34.7% 16.9%
    WNB Financial, N.A. $33,835,000 $17,025,000 -49.7% 7.9%
    Bell Bank $1,655,000 $5,605,000 238.7% 2.6%
    Wells Fargo Bank $18,145,000 $5,485,000 -69.8% 2.6%
    Bremer Bank $12,070,000 $4,800,000 -60.2% 2.2%
    Home Federal Savings Bank $10,800,000 $4,485,000 -58.5% 2.1%
    State Bank Financial $3,610,000 n/a 1.7%
    AFFINITY PLUS $9,470,000 $3,590,000 -62.1% 1.7%
    UNITED WHOLESALE MORTGAGE, LLC $2,620,000 $3,430,000 30.9% 1.6%
    QUICKEN LOANS, LLC $8,070,000 $3,195,000 -60.4% 1.5%
    Eitzen State Bank $2,835,000 n/a 1.3%
    Peoples State Bank of Plainview $4,915,000 $2,820,000 -42.6% 1.3%
    Minnwest Bank $2,070,000 $2,455,000 18.6% 1.1%
    Citizens State Bank of La Crosse $3,095,000 $2,230,000 -27.9% 1.0%
    American Mortgage & Equity Consultants, Inc. $215,000 $2,215,000 930.2% 1.0%
    Grandbridge Real Estate Capital LLC $2,020,000 n/a 0.9%
    LOANDEPOT.COM, LLC $2,555,000 $1,950,000 -23.7% 0.9%
    BankVista $1,890,000 n/a 0.9%
    Mortgage Research Center, LLC $2,245,000 $1,755,000 -21.8% 0.8%
    U.S. Bank $2,250,000 $1,685,000 -25.1% 0.8%
    MARINE $1,265,000 $1,460,000 15.4% 0.7%
    21ST MORTGAGE CORPORATION $260,000 $1,245,000 378.8% 0.6%
    JPMorgan Chase Bank $115,000 $1,200,000 943.5% 0.6%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,340,000 $1,155,000 -13.8% 0.5%
    Coulee Bank $520,000 $1,080,000 107.7% 0.5%
    TRUSTONE FINANCIAL FEDERAL CREDIT UNION $570,000 $1,020,000 78.9% 0.5%
    Prosperity Home Mortgage, LLC $3,155,000 $990,000 -68.6% 0.5%
    Firefighters Credit Union $420,000 $930,000 121.4% 0.4%
    RESULTS MORTGAGE, LLC $1,455,000 $920,000 -36.8% 0.4%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,855,000 $845,000 -54.4% 0.4%
    LAND HOME FINANCIAL SERVICES, INC. $2,265,000 $845,000 -62.7% 0.4%
    First Federal Bank $2,015,000 $815,000 -59.6% 0.4%
    EVERETT FINANCIAL, INC. $805,000 n/a 0.4%
    FREEDOM MORTGAGE CORPORATION $3,525,000 $805,000 -77.2% 0.4%
    F & M Community Bank $940,000 $750,000 -20.2% 0.3%
    Servion, Inc. $1,895,000 $750,000 -60.4% 0.3%
    Blackhawk Bank $735,000 n/a 0.3%
    NEWREZ LLC $525,000 $650,000 23.8% 0.3%
    KELLER MORTGAGE, LLC $465,000 $645,000 38.7% 0.3%
    First Alliance Credit Union $315,000 $640,000 103.2% 0.3%
    AMERICAN INTERNET MORTGAGE, INC. $635,000 n/a 0.3%
    Associated Bank $510,000 $600,000 17.6% 0.3%
    Think Mutual Bank $3,255,000 $580,000 -82.2% 0.3%
    Tradition Mortgage, LLC $580,000 n/a 0.3%
    Flagstar Bank, FSB $420,000 $575,000 36.9% 0.3%
    GUARANTEED RATE AFFINITY, LLC $2,140,000 $565,000 -73.6% 0.3%
    Foresight Bank $920,000 $555,000 -39.7% 0.3%
    Old National Bank $195,000 $555,000 184.6% 0.3%
    NAVY FEDERAL CREDIT UNION $310,000 $440,000 41.9% 0.2%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $425,000 n/a 0.2%
    CMG MORTGAGE, INC. $725,000 $415,000 -42.8% 0.2%
    GUARANTEED RATE, INC. $1,135,000 $415,000 -63.4% 0.2%
    BROKER SOLUTIONS, INC. $400,000 n/a 0.2%
    PLAZA HOME MORTGAGE, INC. $700,000 $390,000 -44.3% 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $1,150,000 $360,000 -68.7% 0.2%
    MAYO EMPLOYEES FEDERAL CREDIT UNION $610,000 $355,000 -41.8% 0.2%
    GUILD MORTGAGE COMPANY $335,000 n/a 0.2%
    Waterstone Mortgage Corporation $320,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $395,000 $315,000 -20.3% 0.1%
    PENNYMAC LOAN SERVICES, LLC $1,605,000 $310,000 -80.7% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $235,000 $255,000 8.5% 0.1%
    NEW DAY FINANCIAL, LLC $315,000 $245,000 -22.2% 0.1%
    Johnson Bank $285,000 $240,000 -15.8% 0.1%
    Royal Credit Union $220,000 $240,000 9.1% 0.1%
    Heritage Bank $230,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $1,180,000 $225,000 -80.9% 0.1%
    CO-OP Credit Union $25,000 $225,000 800.0% 0.1%
    Colonial Savings, F.A. $215,000 n/a 0.1%
    Deere Employees Credit Union $215,000 n/a 0.1%
    M&T Bank $280,000 $215,000 -23.2% 0.1%
    Ally Bank $205,000 n/a 0.1%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $205,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $340,000 $205,000 -39.7% 0.1%
    Park Bank $270,000 $205,000 -24.1% 0.1%
    Summit Mortgage Corporation $195,000 $205,000 5.1% 0.1%
    Century Mortgage Company DBA Century Lending Company $195,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $145,000 $195,000 34.5% 0.1%
    ALAMEDA MORTGAGE CORPORATION $185,000 n/a 0.1%
    BAY EQUITY LLC $565,000 $185,000 -67.3% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $95,000 $185,000 94.7% 0.1%
    University of Wisconsin Credit Union $185,000 n/a 0.1%
    Carrington Mortgage Services, LLC $165,000 n/a 0.1%
    The State Bank of Faribault $165,000 n/a 0.1%
    ALLIANT CREDIT UNION $155,000 n/a 0.1%
    Gate City Bank $155,000 n/a 0.1%
    WINGS FINANCIAL $145,000 $155,000 6.9% 0.1%
    Manufacturers Bank & Trust Company $155,000 $145,000 -6.5% 0.1%
    North American Savings Bank, F.S.B. $145,000 n/a 0.1%
    BEST CAPITAL FUNDING $215,000 $135,000 -37.2% 0.1%
    Royal Bank $135,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $925,000 $130,000 -85.9% 0.1%
    Alerus Financial $165,000 $125,000 -24.2% 0.1%
    Bank of America $135,000 $125,000 -7.4% 0.1%
    Community Resource Bank $125,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $275,000 $125,000 -54.5% 0.1%
    DUPACO COMMUNITY $115,000 n/a 0.1%
    Plains Commerce Bank $1,390,000 $115,000 -91.7% 0.1%
    Deseret First Credit Union $105,000 n/a 0.0%
    STAR USA FEDERAL CREDIT UNION $95,000 n/a 0.0%
    Figure Lending LLC $75,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $65,000 n/a 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $65,000 n/a 0.0%
    Mr. Cooper ( Nationstar Mortgage ) $240,000 $65,000 -72.9% 0.0%
    BUILDING TRADES FEDERAL CREDIT UNION $55,000 n/a 0.0%
    SPIRE Credit Union $175,000 $45,000 -74.3% 0.0%
    GOVERNMENTAL EMPLOYEES $75,000 $35,000 -53.3% 0.0%
    First Bank & Trust $65,000 $25,000 -61.5% 0.0%

    Winona's top lender by overall market share is Merchants Bank, with 32.6% market share. In second place, with 16.9%, is ALTRA, having originated $36,315,000 in loans. In third place, with 7.9%, is WNB Financial, N.A., having originated $17,025,000 in loans. In fourth place, with 2.6%, is Bell Bank, having originated $5,605,000 in loans. In fifth place, with 2.6%, is Wells Fargo Bank, having originated $5,485,000 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 $162,400 (10.3%) $207,642 (4.0%) 0.00 93
    2018-04-01 $173,675 (16.6%) $229,213 (12.3%) 0.00 112
    2018-05-01 $180,800 (19.6%) $237,801 (19.1%) 0.00 121
    2018-06-01 $177,700 (14.0%) $247,487 (22.6%) 0.00 131
    2018-07-01 $180,950 (3.6%) $246,683 (18.6%) 0.00 156
    2018-08-01 $182,400 (9.1%) $243,548 (15.8%) 0.00 178
    2018-09-01 $179,900 (14.6%) $240,897 (15.9%) 0.00 189
    2018-10-01 $176,200 (14.3%) $233,397 (14.1%) 0.00 191
    2018-11-01 $174,900 (16.9%) $233,922 (18.0%) 0.00 169
    2018-12-01 $174,900 (20.6%) $242,406 (22.8%) 0.00 135
    2019-01-01 $162,300 (8.6%) $238,908 (19.6%) 0.00 101
    2019-02-01 $157,975 (5.4%) $248,905 (24.5%) 0.00 83
    2019-03-01 $191,350 (17.8%) $266,210 (28.2%) 0.00 95
    2019-04-01 $222,475 (28.1%) $280,335 (22.3%) 0.00 112
    2019-05-01 $225,000 (24.5%) $280,438 (17.9%) 0.00 129
    2019-06-01 $227,000 (27.7%) $284,173 (14.8%) 0.00 136
    2019-07-01 $197,450 (9.1%) $265,689 (7.7%) 0.00 136
    2019-08-01 $199,900 (9.6%) $255,830 (5.0%) 0.00 145
    2019-09-01 $199,900 (11.1%) $246,641 (2.4%) 0.00 152
    2019-10-01 $199,900 (13.5%) $241,784 (3.6%) 0.00 152
    2019-11-01 $189,900 (8.6%) $254,197 (8.7%) 0.00 131
    2019-12-01 $196,450 (12.3%) $229,012 (-5.5%) 0.00 116
    2020-01-01 $206,200 (27.1%) $238,588 (-0.1%) 0.00 97
    2020-02-01 $194,900 (23.4%) $229,672 (-7.7%) 0.00 87
    2020-03-01 $198,675 (3.8%) $242,501 (-8.9%) 0.00 80
    2020-04-01 $206,900 (-7.0%) $235,572 (-16.0%) 0.00 90
    2020-05-01 $209,900 (-6.7%) $244,429 (-12.8%) 0.00 99
    2020-06-01 $242,700 (6.9%) $276,609 (-2.7%) 0.00 99
    2020-07-01 $222,500 (12.7%) $272,516 (2.6%) 0.00 95
    2020-08-01 $239,950 (20.0%) $308,240 (20.5%) 0.00 85
    2020-09-01 $249,925 (25.0%) $316,922 (28.5%) 0.00 86
    2020-10-01 $226,950 (13.5%) $291,504 (20.6%) 0.00 87
    2020-11-01 $220,000 (15.9%) $293,064 (15.3%) 0.00 67
    2020-12-01 $196,400 (0.0%) $276,758 (20.9%) 0.00 56
    2021-01-01 $223,700 (8.5%) $267,040 (11.9%) 0.00 41
    2021-02-01 $209,975 (7.7%) $255,793 (11.4%) 0.00 38
    2021-03-01 $220,000 (10.7%) $268,257 (10.6%) 0.00 34
    2021-04-01 $184,925 (-10.6%) $241,292 (2.4%) 0.00 41
    2021-05-01 $199,950 (-4.7%) $274,884 (12.5%) 0.00 43
    2021-06-01 $209,475 (-13.7%) $279,108 (0.9%) 0.00 53
    2021-07-01 $219,450 (-1.4%) $283,356 (4.0%) 0.00 75
    2021-08-01 $199,400 (-16.9%) $263,501 (-14.5%) 0.00 84
    2021-09-01 $199,900 (-20.0%) $264,123 (-16.7%) 0.00 77
    2021-10-01 $220,000 (-3.1%) $277,849 (-4.7%) 0.00 68
    2021-11-01 $223,475 (1.6%) $288,772 (-1.5%) 0.00 52
    2021-12-01 $199,700 (1.7%) $270,433 (-2.3%) 0.00 48
    2022-01-01 $184,900 (-17.3%) $254,404 (-4.7%) 0.00 40
    2022-02-01 $203,700 (-3.0%) $330,507 (29.2%) 0.00 34
    2022-03-01 $244,375 (11.1%) $342,496 (27.7%) 0.00 26
    2022-04-01 $211,950 (14.6%) $327,508 (35.7%) 0.00 29
    2022-05-01 $221,150 (10.6%) $325,274 (18.3%) 0.00 41
    2022-06-01 $245,875 (17.4%) $327,432 (17.3%) 0.00 53
    2022-07-01 $244,000 (11.2%) $317,716 (12.1%) 0.00 62
    2022-08-01 $253,500 (27.1%) $324,625 (23.2%) 0.00 60
    2022-09-01 $244,350 (22.2%) $305,893 (15.8%) 0.00 62
    2022-10-01 $249,000 (13.2%) $332,439 (19.7%) 0.00 61
    2022-11-01 $251,100 (12.4%) $336,519 (16.5%) 0.00 53
    2022-12-01 $237,000 (18.7%) $339,357 (25.5%) 0.00 49
    2023-01-01 $287,950 (55.7%) $374,634 (47.3%) 0.00 41
    2023-02-01 $271,150 (33.1%) $300,567 (-9.1%) 0.00 39
    Winona's median listing price for 2023-02-01 was $271,150, a difference of $67,450 (33.1%) versus the prior year and $-16,800 versus the prior month.

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

    Winona's average listing price for 2023-02-01 was $300,567, a difference of $-29,940 (-9.1%) versus the prior year and $-74,067 versus the prior month.

    For the 2023-02-01 period, Winona had 39 MLS listings, a difference of -2 listings (-5%) versus the prior month and 5 listings (15%) 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 2,394 sqft
    2018-04-01 0 days 2,500 sqft
    2018-05-01 0 days 2,512 sqft
    2018-06-01 0 days 2,536 sqft
    2018-07-01 0 days 2,540 sqft
    2018-08-01 0 days 2,466 sqft
    2018-09-01 0 days 2,457 sqft
    2018-10-01 0 days 2,421 sqft
    2018-11-01 0 days 2,439 sqft
    2018-12-01 0 days 2,449 sqft
    2019-01-01 0 days 1,969 sqft
    2019-02-01 0 days 1,927 sqft
    2019-03-01 0 days 2,092 sqft
    2019-04-01 0 days 2,213 sqft
    2019-05-01 0 days 2,130 sqft
    2019-06-01 0 days 2,124 sqft
    2019-07-01 0 days 1,941 sqft
    2019-08-01 0 days 1,941 sqft
    2019-09-01 0 days 1,907 sqft
    2019-10-01 0 days 1,877 sqft
    2019-11-01 0 days 1,857 sqft
    2019-12-01 0 days 1,852 sqft
    2020-01-01 0 days 1,854 sqft
    2020-02-01 0 days 1,730 sqft
    2020-03-01 0 days 1,905 sqft
    2020-04-01 0 days 1,857 sqft
    2020-05-01 0 days 1,847 sqft
    2020-06-01 0 days 2,256 sqft
    2020-07-01 0 days 1,978 sqft
    2020-08-01 0 days 2,228 sqft
    2020-09-01 0 days 2,399 sqft
    2020-10-01 0 days 2,197 sqft
    2020-11-01 0 days 2,198 sqft
    2020-12-01 0 days 1,964 sqft
    2021-01-01 0 days 1,992 sqft
    2021-02-01 0 days 1,927 sqft
    2021-03-01 0 days 1,923 sqft
    2021-04-01 0 days 1,663 sqft
    2021-05-01 0 days 1,919 sqft
    2021-06-01 0 days 1,920 sqft
    2021-07-01 0 days 1,912 sqft
    2021-08-01 0 days 1,718 sqft
    2021-09-01 0 days 1,763 sqft
    2021-10-01 0 days 1,739 sqft
    2021-11-01 0 days 1,835 sqft
    2021-12-01 0 days 1,853 sqft
    2022-01-01 0 days 1,694 sqft
    2022-02-01 0 days 2,399 sqft
    2022-03-01 0 days 2,328 sqft
    2022-04-01 0 days 2,254 sqft
    2022-05-01 0 days 1,704 sqft
    2022-06-01 0 days 1,794 sqft
    2022-07-01 0 days 1,998 sqft
    2022-08-01 0 days 1,900 sqft
    2022-09-01 0 days 1,910 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
    Winona's median listing age (time on market) for 2023-02-01 was 0 days.

    Winona's median square footage for active listings during the 2023-02-01 period was 1,737 sqft. One year prior, the average listing was 2,399 sqft.

    Winona, MN Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 674 $133,350,000 $197,849
    Refi 297 $42,615,000 $143,485
    Other 138 $8,560,000 $62,029
    Cash Out Refi 122 $25,370,000 $207,951
    Home Improvement 100 $4,770,000 $47,700

    Winona's most frequently cited loan purpose was Home Purchase, with 674 originations. The 2nd most popular reason was Refi, with 297 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    2.5-3% 281 $25,945,000 $92,331
    5-6% 270 $47,190,000 $174,778
    3-4% 263 $50,465,000 $191,882
    4-5% 253 $51,155,000 $202,194
    6-7% 121 $18,805,000 $155,413
    <2.5% 43 $4,745,000 $110,349
    7-8% 36 $4,000,000 $111,111
    Over 8% 17 $1,175,000 $69,118

    During 2022, Winona's most frequently originated rate bucket was 2.5-3%, with 281 originations.

    Loan Sizing (Winona, MN MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 504 $24,410,000 $48,433
    $100k-200k 463 $69,395,000 $149,881
    $200k-400k 301 $79,365,000 $263,671
    $400k-600k 43 $20,295,000 $471,977
    $600k-1000k 14 $9,670,000 $690,714
    $Over $1MM 6 $11,530,000 $1,921,667

    Winona's loan sizing saw the bucket of loans from $100,000 or less with 504 originations, totaling $24,410,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 435 $96,395,000 $221,598
    60-80% 283 $61,345,000 $216,767
    Under 20% 252 $10,790,000 $42,817
    20-40% 152 $11,870,000 $78,092
    40-60% 137 $20,315,000 $148,285
    Over 100% 4 $1,140,000 $285,000

    Winona's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 435 originations, totaling $96,395,000 in origination value.