Jefferson County
Wisconsin · FIPS 55055
According to CFPB HMDA 2024 application volume among U.S. counties, Jefferson County ranks #732 of 3,210, and #21 of 72 in Wisconsin.
Mortgage lending activity in Jefferson 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. Jefferson County, Wisconsin saw 2,929 HMDA-reported mortgage applications in 2024. Lenders originated 1,912 of those loans and denied 375, producing a denial rate of 12.8% and an approval (origination) rate of 65.3%. The average loan amount was $200,183 at an average note rate of 6.48%, with applicants self-reporting average annual income of $37K. 168 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 Jefferson County
In Jefferson County, lead originator Summit Credit Union funded 19.8% of 1,912 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 33.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Jefferson County's 2,929 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jefferson County's $200,183 average loan (deduped against volume peers).
Lenders active in Jefferson County
Summit Credit Union funded 379 of the 1,912 loans originated in Jefferson County, 19.8% of the county. 168 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Summit Credit Union | 379 | 19.8% |
| 2 | Uw Credit Union | 134 | 7.0% |
| 3 | Landmark Credit Union | 131 | 6.9% |
| 4 | PremierBank | 96 | 5.0% |
| 5 | Johnson Bank | 70 | 3.7% |
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 Jefferson 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 Jefferson 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.