Fond du Lac County
Wisconsin · FIPS 55039
According to CFPB HMDA 2024 application volume among U.S. counties, Fond du Lac County ranks #636 of 3,223, and #16 of 72 in Wisconsin.
Mortgage lending activity in Fond du Lac 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. Fond du Lac County, Wisconsin lenders denied 534 of the applications reported here, financing the rest at an average note rate of 7.26%, with applicants self-reporting average annual income of $36K. 188 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 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 Fond du Lac County
In Fond du Lac County, lead originator National Exchange Bank & Trust funded 12.7% of 2,363 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 23.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Fond du Lac County's 3,689 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Fond du Lac County's $187,914 average loan (deduped against volume peers).
Lenders active in Fond du Lac County
National Exchange Bank & Trust funded 301 of the 2,363 loans originated in Fond du Lac County, 12.7% of the county. 188 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | National Exchange Bank & Trust | 301 | 12.7% |
| 2 | Us Bank, N.A. | 134 | 5.7% |
| 3 | Verve, A Credit Union | 129 | 5.5% |
| 4 | Associated Bank NA | 114 | 4.8% |
| 5 | Bank First N.A. | 114 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Fond du Lac 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 Fond du Lac 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.