Douglas County
Wisconsin · FIPS 55031
According to CFPB HMDA 2024 application volume among U.S. counties, Douglas County ranks #1,079 of 3,223, and #35 of 72 in Wisconsin.
Mortgage lending activity in Douglas 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. Douglas County, Wisconsin lenders denied 223 of the applications reported here, financing the rest at an average note rate of 7.08%, with applicants self-reporting average annual income of $35K. 117 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.4x, meaning typical borrowers took on mortgages of about 5.4 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 Douglas County
In Douglas County, lead originator Superior Choice Credit Union funded 19.4% of 1,018 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 33.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Douglas County's 1,590 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Douglas County's $189,503 average loan (deduped against volume peers).
Lenders active in Douglas County
Superior Choice Credit Union funded 197 of the 1,018 loans originated in Douglas County, 19.4% of the county. 117 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Superior Choice Credit Union | 197 | 19.4% |
| 2 | National Bank of Commerce | 72 | 7.1% |
| 3 | Superior Savings Bank | 70 | 6.9% |
| 4 | Centricity Credit Union | 51 | 5.0% |
| 5 | Rocket Mortgage | 50 | 4.9% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Douglas County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Douglas County borrowers. 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.