Wnb Financial Mortgage Lending & HMDA Data, 2021
In 2021, Wnb Financial of Winona, MN reported 657 mortgage applications totaling $136.8 million, down 17% from 2020. The average application was for $208,242, and applicants reported an average income of $110,368. 82% of its applications resulted in an originated loan and 8% were denied. Its largest markets were La Crosse-Onalaska, WI-MN (92), Eau Claire, WI (81) and Rochester, MN (79) (applications in parentheses).
| Mortgage Company & Address | Wnb Financial 204 Main St Winona, MN 55987 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 657 |
| Total Mortgage Loan Application Amount | $136,815,000 |
| Average Mortgage Loan Application Amount | $208,242 |
| Highest Mortgage Loan Application Amount | $3,035,000 |
| Average Applicant Income | $110,368 |
| Highest Applicant Income | $841,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wnb Financial filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 320 | $ 61,480,000 | $ 192,125 | $ 100,475 |
| La Crosse-Onalaska, WI-MN | 92 | $ 18,920,000 | $ 205,652 | $ 135,500 |
| Eau Claire, WI | 81 | $ 16,645,000 | $ 205,493 | $ 94,000 |
| Rochester, MN | 79 | $ 15,455,000 | $ 195,632 | $ 110,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 31 | $ 8,165,000 | $ 263,387 | $ 158,870 |
| Chicago-Naperville, IL | 5 | $ 1,095,000 | $ 219,000 | $ 97,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 2,650,000 | $ 662,500 | $ 345,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 4 | $ 1,260,000 | $ 315,000 | $ 176,000 |
| Elgin, IL | 3 | $ 335,000 | $ 111,666 | $ 48,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 835,000 | $ 278,333 | $ 245,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Sheboygan, WI | 2 | $ 190,000 | $ 95,000 | $ 109,000 |
| Yuma, AZ | 2 | $ 410,000 | $ 205,000 | $ 82,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 185,000 | $ 185,000 | $ 149,000 |
| Des Moines-West Des Moines, IA | 1 | $ 315,000 | $ 315,000 | $ 100,000 |
| Duluth, MN-WI | 1 | $ 175,000 | $ 175,000 | $ 256,000 |
| Fort Collins, CO | 1 | $ 225,000 | $ 225,000 | $ 38,000 |
| Gainesville, GA | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Greeley, CO | 1 | $ 405,000 | $ 405,000 | $ 97,000 |
| Kansas City, MO-KS | 1 | $ 335,000 | $ 335,000 | $ 215,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 1,905,000 | $ 1,905,000 | $ 216,000 |
| Mankato-North Mankato, MN | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 275,000 | $ 275,000 | $ 54,000 |
| Panama City, FL | 1 | $ 405,000 | $ 405,000 | $ 150,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 545,000 | $ 545,000 | $ 74,000 |
| The Villages, FL | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Topeka, KS | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 405,000 | $ 405,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for Wnb Financial in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 276 | $59,240,000 | $214,000 | $1,565,000 | $116,000 | $654,000 |
| Refinancing | 207 | $40,055,000 | $193,000 | $1,645,000 | $105,000 | $762,000 |
| Cash-out Refinancing | 156 | $35,450,000 | $227,000 | $3,035,000 | $108,000 | $841,000 |
| Home Improvement | 13 | $1,475,000 | $113,000 | $365,000 | $106,000 | $324,000 |
| Other Purpose | 5 | $595,000 | $119,000 | $295,000 | $107,000 | $215,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 539 | $110,665,000 | $205,000 | $3,035,000 | $110,000 | $841,000 |
| Not applicable | 61 | $14,125,000 | $231,000 | $1,645,000 | $68,000 | $68,000 |
| Not Provided | 32 | $5,390,000 | $168,000 | $555,000 | $83,000 | $295,000 |
| Black or African American | 9 | $3,515,000 | $390,000 | $1,905,000 | $221,000 | $450,000 |
| Hispanic | 7 | $1,435,000 | $205,000 | $325,000 | $193,000 | $546,000 |
| Asian | 5 | $1,045,000 | $209,000 | $305,000 | $87,000 | $112,000 |
| American Indian or Alaskan Native | 1 | $165,000 | $165,000 | $165,000 | $79,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 654 | $136,400,000 | $208,000 | $3,035,000 | $111,000 | $841,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $415,000 | $138,000 | $155,000 | $47,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 539 | $111,245,000 | $206,000 | $3,035,000 | $110,000 | $762,000 |
| Application Withdrawn By Applicant | 67 | $16,455,000 | $245,000 | $1,905,000 | $124,000 | $841,000 |
| Application Denied By Financial Institution | 50 | $9,040,000 | $180,000 | $525,000 | $90,000 | $450,000 |
| File Closed For Incompleteness | 1 | $75,000 | $75,000 | $75,000 | $78,000 | $78,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 607 | $127,775,000 | $210,000 | $3,035,000 | $112,000 | $841,000 |
| Credit History | 24 | $4,120,000 | $171,000 | $525,000 | $82,000 | $324,000 |
| Debt-To-Income Ratio | 17 | $3,225,000 | $189,000 | $495,000 | $98,000 | $293,000 |
| Collateral | 4 | $670,000 | $167,000 | $285,000 | $78,000 | $109,000 |
| Other | 2 | $170,000 | $85,000 | $95,000 | $36,000 | $63,000 |
| Employment History | 2 | $760,000 | $380,000 | $475,000 | $225,000 | $450,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $95,000 | $95,000 | $95,000 | $56,000 | $56,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wnb Financial's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Wnb Financial's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Minnesota, download the full spreadsheet
with aggregated HMDA statistics today.
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