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2024 data HMDA 2024 disclosure official source

Outagamie County

7,200 mortgage applications, 8.8% denial rate. Verify FIPS 55087 with U.S. Census Bureau →

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Wisconsin · FIPS 55087

Local mortgage market. Outagamie County, Wisconsin saw 7,200 HMDA-reported mortgage applications in 2024. Lenders originated 5,064 of those loans and denied 637, producing a denial rate of 8.8% and an approval (origination) rate of 70.3%. The average loan amount was $205,957 at an average note rate of 6.96%, with applicants self-reporting average annual income of $35K. 240 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.9x, meaning typical borrowers took on mortgages of about 5.9 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 55087 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

7,200
Applications
5,064
Originated
8.8%
Denial Rate
70.3%
Approval Rate
$205,957
Avg Loan Amount
6.96%
Avg Interest Rate
$35K
Avg Applicant Income
5.9x
Loan-to-Income Ratio

Nearby Lenders in Outagamie 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 Community First Credit Union 851 16.8%
2 Fox Communities Credit Union 569 11.2%
3 Capital Credit Union 396 7.8%
4 Nicolet National Bank 231 4.6%
5 Associated Bank NA 160 3.2%
Compare Community First Credit Union vs Fox Communities Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Outagamie County?
In the 2024 HMDA reporting year, 7,200 mortgage applications were filed in Outagamie County, Wisconsin. Of these, 5,064 were originated (approved and funded), while 637 were denied, resulting in a denial rate of 8.8%.
What is the mortgage denial rate in Outagamie County?
The mortgage denial rate in Outagamie County is 8.8%. The approval (origination) rate is 70.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Outagamie County?
The average mortgage loan amount in Outagamie County is $205,957. The average interest rate is 6.963%. The average applicant income is $35K.
What is the loan-to-income ratio in Outagamie County?
The average loan-to-income ratio in Outagamie County is 5.9x, meaning borrowers took on loans averaging 5.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Outagamie County?
The top mortgage lenders in Outagamie County by origination volume are Community First Credit Union, Fox Communities Credit Union, Capital Credit Union. In total, 240 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.