Wnb Financial at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
64th6.7% deniedPricingmedian rate spread over APOR, weight 30%
55th0.23 ptsProcesswithdrawn + incomplete share, weight 15%
55th10.6%Closing coststotal loan costs ÷ loan amount, weight 10%
60th1.67% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 239 | 204 | 5.9% | 6.3% | 6.88% | $48M |
| 2024 | 182 | 153 | 3.3% | 3.8% | 7.00% | $33M |
| 2025 | 218 | 182 | 6.0% | 6.7% | 6.75% | $52M |
What Wnb Financial lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 47 investment properties.
Why Wnb Financial denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Wnb Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 43 | 40 | 0.0% |
| $100k – $150k | 51 | 44 | 0.0% |
| $150k – $250k | 49 | 42 | 0.0% |
| Over $250k | 30 | 27 | 3.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 31 | 0.0% |
| 35–44 | 46 | 40 | 2.4% |
| 45–54 | 39 | 34 | 0.0% |
| 55–64 | 35 | 27 | 6.9% |
| 65–74 | 22 | 21 | 0.0% |
Where Wnb Financial lends
9 states and 37 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Wnb Financial denied 6.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 64th percentile of small mortgage lenders.
The most common reason Wnb Financial gave in 2025 was "other", cited on 76.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Wnb Financial originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.23 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 64% of its applications were for home purchases, 26% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.