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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.


Latonia Schmitt
Mortgage Officer 
NMLS# 1052650 
Phone: 507-494-9308

Patrick Smock
Mortgage Officer
NMLS# 1475225
Phone: 507-494-3026

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


Today's Featured Mortgage Rates


Applying for your Mortgage

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

  • Meet with a mortgage expert in person
  • Call to talk with a mortgage expert
  • Apply online through our website 
  • For construction loans, please contact one of our mortgage experts


Mortgage Loan Products

Some of the mortgage products we offer include:

  • Traditional and non-traditional loan options
  • Construction Loans
  • 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