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2024 data HMDA 2024 disclosure official source

Marathon County

4,757 mortgage applications, 11.3% denial rate. Verify FIPS 55073 with U.S. Census Bureau →

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Wisconsin · FIPS 55073

Local mortgage market. Marathon County, Wisconsin saw 4,757 HMDA-reported mortgage applications in 2024. Lenders originated 3,175 of those loans and denied 538, producing a denial rate of 11.3% and an approval (origination) rate of 66.7%. The average loan amount was $170,756 at an average note rate of 7.17%, with applicants self-reporting average annual income of $36K. 186 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 55073 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,757
Applications
3,175
Originated
11.3%
Denial Rate
66.7%
Approval Rate
$170,756
Avg Loan Amount
7.17%
Avg Interest Rate
$36K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Marathon 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 Covantage Credit Union 890 28.0%
2 Cloverbelt Credit Union 178 5.6%
3 Nicolet National Bank 147 4.6%
4 Associated Bank NA 106 3.3%
5 Peoples State Bank 104 3.3%
Compare Covantage Credit Union vs Cloverbelt Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Marathon County?
In the 2024 HMDA reporting year, 4,757 mortgage applications were filed in Marathon County, Wisconsin. Of these, 3,175 were originated (approved and funded), while 538 were denied, resulting in a denial rate of 11.3%.
What is the mortgage denial rate in Marathon County?
The mortgage denial rate in Marathon County is 11.3%. The approval (origination) rate is 66.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Marathon County?
The average mortgage loan amount in Marathon County is $170,756. The average interest rate is 7.174%. The average applicant income is $36K.
What is the loan-to-income ratio in Marathon County?
The average loan-to-income ratio in Marathon County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Marathon County?
The top mortgage lenders in Marathon County by origination volume are Covantage Credit Union, Cloverbelt Credit Union, Nicolet National Bank. In total, 186 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.