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2024 data HMDA 2024 disclosure official source

La Crosse County

3,720 mortgage applications, 9.9% denial rate. Verify FIPS 55063 with U.S. Census Bureau →

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Wisconsin · FIPS 55063

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.

FIPS 55063 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,720
Applications
2,584
Originated
9.9%
Denial Rate
69.5%
Approval Rate
$227,398
Avg Loan Amount
7.20%
Avg Interest Rate
$36K
Avg Applicant Income
6.3x
Loan-to-Income Ratio

Nearby Lenders in La Crosse County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Altra Federal Credit Union vs Governmental Employees Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in La Crosse County?
In the 2024 HMDA reporting year, 3,720 mortgage applications were filed in La Crosse County, Wisconsin. Of these, 2,584 were originated (approved and funded), while 369 were denied, resulting in a denial rate of 9.9%.
What is the mortgage denial rate in La Crosse County?
The mortgage denial rate in La Crosse County is 9.9%. The approval (origination) rate is 69.5%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in La Crosse County?
The average mortgage loan amount in La Crosse County is $227,398. The average interest rate is 7.196%. The average applicant income is $36K.
What is the loan-to-income ratio in La Crosse County?
The average loan-to-income ratio in La Crosse County is 6.3x, meaning borrowers took on loans averaging 6.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in La Crosse County?
The top mortgage lenders in La Crosse County by origination volume are Altra Federal Credit Union, Governmental Employees Credit Union, Servion. In total, 180 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.