WNB FINANCIAL, N.A.
WNB FINANCIAL, N.A. received 218 applications in 2025 and made 182 mortgages, in 37 counties across 9 states. The median rate its borrowers got was 6.750% on a median loan of $235,000. Of 195 decisions, 13 were denials — 6.7%, most often for other.
| Legal Entity Identifier | 25490099UNYWX2PZ4J91 |
|---|---|
| Applications received | 218 |
| Mortgages made | 182 |
| Denied | 13 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 23 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2285 points |
| FDIC-insured bank | Yes: WNB FINANCIAL, N.A., 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 126 | 6.625% | $265,000 | 1.6% |
| Refinancing | 31 | 6.850% | $195,000 | 24.4% |
| Cash-out refinancing | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Other purposes | 17 | 7.376% | $45,000 | 0.0% |
Where WNB FINANCIAL, N.A. lends most
The 37 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| La Crosse County, WI | 49 | 6.625% | 15.5% |
| Winona County, MN | 38 | 7.090% | 2.6% |
| Wabasha County, MN | 20 | 6.875% | 0.0% |
| Eau Claire County, WI | 9 | Under 10 loans | 0.0% |
| Chippewa County, WI | 6 | Under 10 loans | 0.0% |
| Hennepin County, MN | 5 | Under 10 loans | 0.0% |
| Fillmore County, MN | 4 | Under 10 loans | 0.0% |
| Houston County, MN | 4 | Under 10 loans | 0.0% |
| Buffalo County, WI | 4 | Under 10 loans | 0.0% |
| Pepin County, WI | 4 | Under 10 loans | 0.0% |
| Trempealeau County, WI | 4 | Under 10 loans | 0.0% |
| Goodhue County, MN | 3 | Under 10 loans | 0.0% |
| Clark County, WI | 3 | Under 10 loans | 0.0% |
| Juneau County, WI | 3 | Under 10 loans | 0.0% |
| Rusk County, WI | 3 | Under 10 loans | 0.0% |
| Dakota County, MN | 2 | Under 10 loans | 0.0% |
| Olmsted County, MN | 2 | Under 10 loans | 0.0% |
| Sawyer County, WI | 2 | Under 10 loans | 33.3% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Benton County, AR | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Spalding County, GA | 1 | Under 10 loans | 0.0% |
| Allamakee County, IA | 1 | Under 10 loans | 0.0% |
| Menominee County, MI | 1 | Under 10 loans | 0.0% |
| Anoka County, MN | 1 | Under 10 loans | 0.0% |
| Cass County, MN | 1 | Under 10 loans | 0.0% |
| St. Louis County, MN | 1 | Under 10 loans | 0.0% |
| Forsyth County, NC | 1 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 1 | Under 10 loans | 0.0% |
| Barron County, WI | 1 | Under 10 loans | 0.0% |
| Crawford County, WI | 1 | Under 10 loans | 0.0% |
| Dunn County, WI | 1 | Under 10 loans | 0.0% |
| Jackson County, WI | 1 | Under 10 loans | 50.0% |
| Sheboygan County, WI | 1 | Under 10 loans | 0.0% |
| Wood County, WI | 1 | Under 10 loans | 0.0% |
| Dodge County, MN | 0 | Under 10 loans | 100.0% |
| Ramsey County, MN | 0 | Under 10 loans | Not published |
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When WNB FINANCIAL, N.A.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.