La Crosse County
Wisconsin · FIPS 55063
According to CFPB HMDA 2024 application volume among U.S. counties, La Crosse County ranks #622 of 3,210, and #15 of 72 in Wisconsin.
Mortgage lending activity in La Crosse 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. La Crosse County, Wisconsin saw 3,720 HMDA-reported mortgage applications in 2024. Lenders originated 2,584 of those loans and denied 369, producing a denial rate of 9.9% and an approval (origination) rate of 69.5%. The average loan amount was $227,398 at an average note rate of 7.20%, with applicants self-reporting average annual income of $36K. 180 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.3x, meaning typical borrowers took on mortgages of about 6.3 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 La Crosse County
In La Crosse County, lead originator Altra Federal Credit Union funded 36.3% of 2,584 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.5% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to La Crosse County's 3,720 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to La Crosse County's $227,398 average loan (deduped against volume peers).
Lenders active in La Crosse County
Altra Federal Credit Union funded 939 of the 2,584 loans originated in La Crosse County, 36.3% of the county. 180 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Altra Federal Credit Union | 939 | 36.3% |
| 2 | Governmental Employees Credit Union | 93 | 3.6% |
| 3 | Servion | 92 | 3.6% |
| 4 | Associated Bank NA | 76 | 2.9% |
| 5 | Merchants Bank, National Association | 74 | 2.9% |
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 La Crosse 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 La Crosse 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.