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Mortgage Banking
Mortgage Banking

Local Bank, Local Decisions, Local Servicing, Experienced Professionals

Winona National Bank Mortgage Services offers you a professional, experienced mortgage team that can assist you with all your home financing needs. We listen to you, provide expert advice, and offer a variety of products and loan terms to assist with buying, building, or refinancing your home.

Financing your biggest investment can be stressful, and for some, a confusing process. We take the time to listen to you and offer the best solution to accomplish your goals. We understand the importance of home. You can expect the best personalized service and loan products customized to fit your family’s needs. We will be there with you every step of the way with mortgage advice you can trust from local professionals you can count on. Let us be part of your Home Sweet Home.




                         Ben Ranney                                                    Latonia Schmitt
                     Mortgage Officer                                                   Mortgage Officer
                       NMLS# 488722                                                   NMLS# 1052650
                  Phone: 507-494-3026                                          Phone: 507-494-9308




                        Mary Stoltman    
    Private Banking Officer & Mortgage Lender
                        NMLS# 643210
                   Phone: 507-494-9268



Applying for your Mortgage

With Personalized Banking, we allow you to apply in the manner that fits you best.


Additional Information


Mortgage Loan Products

Some of the mortgage products we offer include:

  • Fixed Rate – 10 to 30 year terms
  • Non-Traditional Loan Options
  • Construction Loans – Single Close; low construction rate
  • Land/Lot Financing – flexible terms
  • Swing/Bridge Financing
  • Investment Properties – 1 to 4 units (larger than 4 units, please contact our commercial loan department)
  • Second or Vacation Homes
  • Home Equity Loans/Lines