# WNB FINANCIAL, N.A.

> **Canonical URL:** https://saferate.com/lenders/wnb-financial


> **📋 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


WNB FINANCIAL, N.A. is a bank, headquartered in Winona, MN, serving borrowers across 6 states, with 85 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 53% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 25490099UNYWX2PZ4J91
- **Headquarters:** Winona, MN
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** IL, MN, MO, NC, PA, WI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.011%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,132
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 85
- **Dollar Volume:** $22 million
- **Applications Received:** 108
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $262,412
- **Average Borrower Income:** $135,494
- **Average Property Value:** $390,294

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 83 | -0.011% | $2,132 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 61 loans, Score: 42/100 (Sound)
- Refinance: 22 loans, Score: 33/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 44/100 | 63 | $18M | +0.025% | Sound ☺️ |
| Refinance | 30/100 | 22 | $4M | -0.102% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WI | 44 | 0.07% | 61/100 |
| MN | 37 | 0.06% | 59/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 30 | 44/100 |
| La Crosse | WI-MN | 28 | 63/100 |
| Rochester, MN | MN | 16 | 55/100 |

## Where This Lender Ranks

WNB FINANCIAL, N.A. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in La Crosse for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in La Crosse Banks
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/banks)
- 🏆 **#9** in La Crosse
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders)
- 🏆 **#10** in La Crosse for Conventional Loans
  - [View Full Rankings](https://saferate.com/la-crosse/best-mortgage-lenders/conventional-loans)
- 🏆 **#16** in Rochester, MN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rochester-mn/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does WNB FINANCIAL, N.A. offer?

WNB FINANCIAL, N.A. offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does WNB FINANCIAL, N.A. offer mortgages?

WNB FINANCIAL, N.A. offers mortgages in 6 states: IL, MN, MO, NC, PA, WI.

### How competitive are WNB FINANCIAL, N.A.'s mortgage rates?

WNB FINANCIAL, N.A. has a pricing score of 47/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.011% below market average.

### What type of lender is WNB FINANCIAL, N.A.?

WNB FINANCIAL, N.A. is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Winona, MN.

### What is WNB FINANCIAL, N.A.'s loan approval success rate?

WNB FINANCIAL, N.A. has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## 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/wnb-financial

### How to Cite

> "WNB FINANCIAL, N.A. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/wnb-financial

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