Oconto County
Wisconsin · FIPS 55083
According to CFPB HMDA 2024 application volume among U.S. counties, Oconto County ranks #983 of 3,223, and #30 of 72 in Wisconsin.
Mortgage lending activity in Oconto 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. Oconto County, Wisconsin lenders denied 207 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Oconto County
In Oconto County, lead originator Capital Credit Union funded only 9.1% of 1,248 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Oconto County's 1,842 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Oconto County's $170,999 average loan (deduped against volume peers).
Lenders active in Oconto County
Capital Credit Union funded 113 of the 1,248 loans originated in Oconto County, 9.1% of the county. 134 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Oconto County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Oconto County borrowers. 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.