Lender in Wisconsin · HMDA 2025
National Exchange Bank and Trust mortgages in Wisconsin
National Exchange Bank and Trust's 2025 home-purchase and refinance lending in Wisconsin, compared with all lenders in the state.
National Exchange Bank and Trust originated 328 owner-occupied single-family loans in Wisconsin from 402 completed applications.
Its median conventional purchase loan costs were $2,270 versus $3,230 for all Wisconsin lenders, at a median 30-year fixed rate of 6.25% (Wisconsin: 6.625%).
Loans in WI
328
of 402 applications
Denial rate
4.0%
Purchase · WI 6.2%
Rate spread
−0.01 pts
Conv. · WI +0.12 pts
Loan amount
$235,000
Purchase · WI $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 273 | 244 | 4.0% | 6.250% | −0.01 pts | $2,270 | $235,000 |
| Refinance | 90 | 62 | 14.4% | — | −0.04 pts | $1,430 | $185,000 |
| Cash-out refinance | 39 | 22 | 28.2% | — | −0.17 pts | $1,500 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Wisconsin counties where National Exchange Bank and Trust ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Fond du Lac County | 1 | 133 | 9.0% |
| Marquette County | 4 | 11 | 5.4% |
| Green Lake County | 6 | 10 | 3.7% |
| Dodge County | 12 | 27 | 2.1% |
| Waushara County | 13 | 5 | 1.5% |
| Adams County | 13 | 4 | 1.5% |
| Sheboygan County | 14 | 28 | 1.8% |
| Columbia County | 18 | 13 | 1.3% |
| Iron County | 22 | 1 | 1.4% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology