Marathon County
Wisconsin · FIPS 55073
According to CFPB HMDA 2024 application volume among U.S. counties, Marathon County ranks #526 of 3,210, and #11 of 72 in Wisconsin.
Mortgage lending activity in Marathon 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Marathon County
In Marathon County, lead originator Covantage Credit Union funded 28.0% of 3,175 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 38.3% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Marathon County's 4,757 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Marathon County's $170,756 average loan (deduped against volume peers).
Lenders active in Marathon County
Covantage Credit Union funded 890 of the 3,175 loans originated in Marathon County, 28.0% of the county. 186 lenders reported activity here.
| # | 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% |
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 Marathon 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 Marathon 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.