# National Exchange Bank and Trust

> **Canonical URL:** https://saferate.com/lenders/national-exchange-bank-and-trust


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


National Exchange Bank and Trust is a bank, headquartered in Fond du Lac, WI, serving borrowers across 2 states, with 284 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 29% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 15% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493006P0JVBBAHVXV08
- **Headquarters:** Fond du Lac, WI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, WI
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 71/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.030%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $111
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 284
- **Dollar Volume:** $73 million
- **Applications Received:** 355
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $256,338
- **Average Borrower Income:** $116,327
- **Average Property Value:** $373,486

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (77%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 69/100 | 282 | +0.030% | $111 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 203 loans, Score: 66/100 (Strong)
- Refinance: 79 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 204 | $56M | +0.027% | Strong 😀 |
| Refinance | 69/100 | 80 | $16M | +0.039% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 281 | 0.43% | 80/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fond du Lac, WI | WI | 116 | 100/100 |
| Non |  | 65 | 50/100 |
| Milwaukee | WI | 43 | 61/100 |
| Sheboygan, WI | WI | 23 | 63/100 |
| Appleton, WI | WI | 14 | 49/100 |

## Where This Lender Ranks

National Exchange Bank and Trust appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Fond du Lac, WI
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders)
- 🥇 **#1** in Fond du Lac, WI Banks
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/banks)
- 🥈 **#2** in Fond du Lac, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Fond du Lac, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/fond-du-lac-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Wisconsin Banks
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks)
- 🏆 **#4** in Sheboygan, WI Banks
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/banks)
- 🏆 **#5** in Sheboygan, WI
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders)
- 🏆 **#5** in Sheboygan, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in Wisconsin for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Milwaukee for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Sheboygan, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/sheboygan-wi/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Milwaukee Banks
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/banks)
- 🏆 **#8** in Appleton, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in Wisconsin
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders)
- 🏆 **#12** in Milwaukee for Conventional Loans
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Wisconsin for Conventional Loans
  - [View Full Rankings](https://saferate.com/wisconsin/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Milwaukee
  - [View Full Rankings](https://saferate.com/milwaukee/best-mortgage-lenders)
- 🏆 **#14** in Appleton, WI for Conventional Loans
  - [View Full Rankings](https://saferate.com/appleton-wi/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does National Exchange Bank and Trust offer?

National Exchange Bank and Trust offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does National Exchange Bank and Trust offer mortgages?

National Exchange Bank and Trust offers mortgages in 2 states: FL, WI.

### How competitive are National Exchange Bank and Trust's mortgage rates?

National Exchange Bank and Trust has a pricing score of 71/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.030% above market average.

### What type of lender is National Exchange Bank and Trust?

National Exchange Bank and Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fond du Lac, WI.

### What is National Exchange Bank and Trust's loan approval success rate?

National Exchange Bank and Trust has a pull-through score of 85/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/national-exchange-bank-and-trust

### How to Cite

> "National Exchange Bank and Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/national-exchange-bank-and-trust

---

**[View Interactive Profile →](https://saferate.com/lenders/national-exchange-bank-and-trust)**