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2024 data HMDA 2024 disclosure official source

Marinette County

1,671 mortgage applications, 14.5% denial rate. Verify FIPS 55075 with U.S. Census Bureau →

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Wisconsin · FIPS 55075

Local mortgage market. Marinette County, Wisconsin saw 1,671 HMDA-reported mortgage applications in 2024. Lenders originated 1,020 of those loans and denied 243, producing a denial rate of 14.5% and an approval (origination) rate of 61.0%. The average loan amount was $143,803 at an average note rate of 7.12%, with applicants self-reporting average annual income of $34K. 122 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 55075 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,671
Applications
1,020
Originated
14.5%
Denial Rate
61.0%
Approval Rate
$143,803
Avg Loan Amount
7.12%
Avg Interest Rate
$34K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Marinette 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 Stephenson National Bank & Trust 84 8.2%
2 First Colony Mortgage Corporation 68 6.7%
3 Associated Bank NA 64 6.3%
4 Nicolet National Bank 60 5.9%
5 Covantage Credit Union 60 5.9%
Compare Stephenson National Bank & Trust vs First Colony Mortgage Corporation →

Frequently Asked Questions

How many mortgage applications were filed in Marinette County?
In the 2024 HMDA reporting year, 1,671 mortgage applications were filed in Marinette County, Wisconsin. Of these, 1,020 were originated (approved and funded), while 243 were denied, resulting in a denial rate of 14.5%.
What is the mortgage denial rate in Marinette County?
The mortgage denial rate in Marinette County is 14.5%. The approval (origination) rate is 61.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Marinette County?
The average mortgage loan amount in Marinette County is $143,803. The average interest rate is 7.118%. The average applicant income is $34K.
What is the loan-to-income ratio in Marinette County?
The average loan-to-income ratio in Marinette County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Marinette County?
The top mortgage lenders in Marinette County by origination volume are Stephenson National Bank & Trust, First Colony Mortgage Corporation, Associated Bank NA. In total, 122 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.