What loan types does WNB Financial offer?

WNB Financial offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does WNB Financial offer mortgages?

WNB Financial offers mortgages in 6 states: IL, MN, MO, NC, PA, WI.

How competitive are WNB Financial's mortgage rates?

WNB Financial has an overall pricing score of 47.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is WNB Financial?

WNB Financial is a Bank headquartered in Winona, MN.

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WNB Financial

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WNB Financial has 85 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Multi-Region · 2 mkts

Explore another lender or local market

Report Card

WNB Financial performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

Rates 1.1 bps below market avg

Pull Through

Closing strength

Sound

Top 60% of lenders

By Loan Product· Specialization by type

Conventional

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Sound

Top 60% of lenders

Refinance

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 3 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Strong	83	97.6%	-0.011%Below	$2,132Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Strong

Volume83

Mix97.6%

Spread

-0.011%Below

Fees

$2,132Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Sound	63	74.1%	+0.025%Above	$2,227Fees
Refinance	Sound	Acceptable	Sound	Sound	22	25.9%	-0.102%Below	$1,884Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume63

Mix74.1%

Spread

+0.025%Above

Fees

$2,227Fees

Refinance

Overall

Sound

Product

Acceptable

Pricing

Sound

Pull Through

Sound

Volume22

Mix25.9%

Spread

-0.102%Below

Fees

$1,884Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

108

Volume

$22 million

Pricing & Closing

Avg Rate Spread

-0.011%

vs. market APOR

Avg Net Fees

$2,132

Origination − Credits

Pullthrough Rate

78.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$262,412

Avg Borrower Income

$135,494

Avg Property Value

$390,294

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast1

Midwest4

ILMNMOWI

South1

Top Metro Areas by Place Specialization Score

La Crosse, WI-MNMetro

Volume 28Mix 32.94% of portfolio

63/100

Strong

Rochester, MNMetro

Volume 16Mix 18.82% of portfolio

55/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 44Mix 51.76% of portfolio

61/100

Strong

MinnesotaState

Volume 37Mix 43.53% of portfolio

59/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.