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2024 data HMDA 2024 disclosure official source

Calumet County

1,967 mortgage applications, 9.5% denial rate. Verify FIPS 55015 with U.S. Census Bureau →

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Wisconsin · FIPS 55015

Local mortgage market. Calumet County, Wisconsin saw 1,967 HMDA-reported mortgage applications in 2024. Lenders originated 1,393 of those loans and denied 186, producing a denial rate of 9.5% and an approval (origination) rate of 70.8%. The average loan amount was $196,774 at an average note rate of 7.09%, with applicants self-reporting average annual income of $35K. 161 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 55015 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,967
Applications
1,393
Originated
9.5%
Denial Rate
70.8%
Approval Rate
$196,774
Avg Loan Amount
7.09%
Avg Interest Rate
$35K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Calumet County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Community First Credit Union 201 14.4%
2 Fox Communities Credit Union 120 8.6%
3 Capital Credit Union 74 5.3%
4 Associated Bank NA 72 5.2%
5 Verve, A Credit Union 45 3.2%
Compare Community First Credit Union vs Fox Communities Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Calumet County?
In the 2024 HMDA reporting year, 1,967 mortgage applications were filed in Calumet County, Wisconsin. Of these, 1,393 were originated (approved and funded), while 186 were denied, resulting in a denial rate of 9.5%.
What is the mortgage denial rate in Calumet County?
The mortgage denial rate in Calumet County is 9.5%. The approval (origination) rate is 70.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Calumet County?
The average mortgage loan amount in Calumet County is $196,774. The average interest rate is 7.093%. The average applicant income is $35K.
What is the loan-to-income ratio in Calumet County?
The average loan-to-income ratio in Calumet County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Calumet County?
The top mortgage lenders in Calumet County by origination volume are Community First Credit Union, Fox Communities Credit Union, Capital Credit Union. In total, 161 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.