Faster than its peers
Its loans rose 19% to 182, against 4% at similar lenders, national banks making between half and twice as many loans, and 10% for the whole market. That is faster than about three in four of them.
Applications / Mortgage Analytics / Lenders / Minnesota / WNB Financial
WNB Financial
Winona, MN · National bank · OCC · $585 million assets · 182 loans in 2025
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182
loans originated, 2025
218
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
WNB Financial, a Winona, Minnesota, bank, grew its mortgage lending faster than most similar banks in 2025 and gained share in its home markets.
Gaining at home
In La Crosse-Onalaska, its largest market, it ranked 13 of 213 with 1.9% of lending, up from 1.5%. In Eau Claire its share rose from 0.3% to 0.7%, and in Rochester, MN from 0.3% to 0.4%.
Few loans in poorer neighborhoods
It made 9.4% of its loans in low- and moderate-income (LMI) neighborhoods, against 15.6% at similar lenders, and 0.5% in majority-minority neighborhoods, against 7.3%. Its largest markets are La Crosse-Onalaska and non-metro Minnesota and Wisconsin, and the neighborhoods there may explain much of the gap.
A conventional lender at a typical price
All its loans were conventional, and most, 69.2%, were for home purchase. Its typical rate, 6.75%, was close to similar lenders' 6.73%. It still makes far fewer loans than the 673 of 2020.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2019–2025
182 loans in 2025, against a peak of 673 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. WNB Financial took 218 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
69.2% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 69.2% · Refinance 21.4% · Home improvement 4.9% · Other 4.4%
Conventional 100.0% · of 182 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
9 states, 12 metros, 35 counties
| State | Loans | Share |
|---|---|---|
| Wisconsin | 93 | 51.1% |
| Minnesota | 81 | 44.5% |
| North Carolina | 2 | 1.1% |
| Arkansas | 1 | 0.5% |
| Arizona | 1 | 0.5% |
| Florida | 1 | 0.5% |
| Georgia | 1 | 0.5% |
| Iowa | 1 | 0.5% |
| Michigan | 1 | 0.5% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 53 |
| Rochester | 26 |
| Eau Claire | 15 |
| Minneapolis-St. Paul-Bloomington | 8 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Charlotte-Concord-Gastonia | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Duluth | 1 |
| Fayetteville-Springdale-Rogers | 1 |
| Sheboygan | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490099UNYWX2PZ4J91 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 220059 | 2019–2023 |
Established 1 January 1874. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: WNB Financial's data.
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