Dane County
Wisconsin · FIPS 55025
According to CFPB HMDA 2024 application volume among U.S. counties, Dane County ranks #139 of 3,210, and #2 of 72 in Wisconsin.
Mortgage lending activity in Dane County, Wisconsin based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Dane County
In Dane County, lead originator Uw Credit Union funded 27.1% of 14,353 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 54.6% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Dane County's 19,927 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Dane County's $304,983 average loan (deduped against volume peers).
Lenders active in Dane County
Uw Credit Union funded 3,884 of the 14,353 loans originated in Dane County, 27.1% of the county. 330 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Dane County borrowers.
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 Dane County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.