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2024 data HMDA 2024 disclosure official source

Oconto County

1,842 mortgage applications, 11.2% denial rate. Verify FIPS 55083 with U.S. Census Bureau →

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Wisconsin · FIPS 55083

Local mortgage market. Oconto County, Wisconsin saw 1,842 HMDA-reported mortgage applications in 2024. Lenders originated 1,248 of those loans and denied 207, producing a denial rate of 11.2% and an approval (origination) rate of 67.8%. The average loan amount was $170,999 at an average note rate of 7.12%, with applicants self-reporting average annual income of $35K. 134 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 55083 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,842
Applications
1,248
Originated
11.2%
Denial Rate
67.8%
Approval Rate
$170,999
Avg Loan Amount
7.12%
Avg Interest Rate
$35K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Oconto 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 Capital Credit Union 113 9.1%
2 Covantage Credit Union 108 8.7%
3 Fox Communities Credit Union 92 7.4%
4 Associated Bank NA 78 6.3%
5 N.E.W. Credit Union 73 5.8%
Compare Capital Credit Union vs Covantage Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Oconto County?
In the 2024 HMDA reporting year, 1,842 mortgage applications were filed in Oconto County, Wisconsin. Of these, 1,248 were originated (approved and funded), while 207 were denied, resulting in a denial rate of 11.2%.
What is the mortgage denial rate in Oconto County?
The mortgage denial rate in Oconto County is 11.2%. The approval (origination) rate is 67.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Oconto County?
The average mortgage loan amount in Oconto County is $170,999. The average interest rate is 7.118%. The average applicant income is $35K.
What is the loan-to-income ratio in Oconto County?
The average loan-to-income ratio in Oconto County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Oconto County?
The top mortgage lenders in Oconto County by origination volume are Capital Credit Union, Covantage Credit Union, Fox Communities Credit Union. In total, 134 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.