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2024 data HMDA 2024 disclosure official source

Dane County

19,927 mortgage applications, 9.8% denial rate. Verify FIPS 55025 with U.S. Census Bureau →

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Wisconsin · FIPS 55025

Local mortgage market. Dane County, Wisconsin saw 19,927 HMDA-reported mortgage applications in 2024. Lenders originated 14,353 of those loans and denied 1,952, producing a denial rate of 9.8% and an approval (origination) rate of 72.0%. The average loan amount was $304,983 at an average note rate of 5.61%, with applicants self-reporting average annual income of $35K. 330 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.7x, meaning typical borrowers took on mortgages of about 8.7 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 55025 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

19,927
Applications
14,353
Originated
9.8%
Denial Rate
72.0%
Approval Rate
$304,983
Avg Loan Amount
5.61%
Avg Interest Rate
$35K
Avg Applicant Income
8.7x
Loan-to-Income Ratio

Nearby Lenders in Dane 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 Uw Credit Union 3,884 27.1%
2 Summit Credit Union 3,455 24.1%
3 Thompson Kane & Company, Inc 502 3.5%
4 Lake Ridge Bank 443 3.1%
5 Barrington Bank & Trust Company, N.A. 430 3.0%
Compare Uw Credit Union vs Summit Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Dane County?
In the 2024 HMDA reporting year, 19,927 mortgage applications were filed in Dane County, Wisconsin. Of these, 14,353 were originated (approved and funded), while 1,952 were denied, resulting in a denial rate of 9.8%.
What is the mortgage denial rate in Dane County?
The mortgage denial rate in Dane County is 9.8%. The approval (origination) rate is 72.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dane County?
The average mortgage loan amount in Dane County is $304,983. The average interest rate is 5.613%. The average applicant income is $35K.
What is the loan-to-income ratio in Dane County?
The average loan-to-income ratio in Dane County is 8.7x, meaning borrowers took on loans averaging 8.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dane County?
The top mortgage lenders in Dane County by origination volume are Uw Credit Union, Summit Credit Union, Thompson Kane & Company, Inc. In total, 330 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.