Ozaukee County
Wisconsin · FIPS 55089
According to CFPB HMDA 2024 application volume among U.S. counties, Ozaukee County ranks #659 of 3,210, and #17 of 72 in Wisconsin.
Mortgage lending activity in Ozaukee 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. Ozaukee County, Wisconsin saw 3,419 HMDA-reported mortgage applications in 2024. Lenders originated 2,186 of those loans and denied 401, producing a denial rate of 11.7% and an approval (origination) rate of 63.9%. The average loan amount was $290,516 at an average note rate of 6.93%, with applicants self-reporting average annual income of $35K. 194 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.3x, meaning typical borrowers took on mortgages of about 8.3 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 Ozaukee County
In Ozaukee County, lead originator Landmark Credit Union funded only 9.1% of 2,186 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 22.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Ozaukee County's 3,419 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Ozaukee County's $290,516 average loan (deduped against volume peers).
Lenders active in Ozaukee County
Landmark Credit Union funded 199 of the 2,186 loans originated in Ozaukee County, 9.1% of the county. 194 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Landmark Credit Union | 199 | 9.1% |
| 2 | BMO Harris Bank NA | 144 | 6.6% |
| 3 | Port Washington State Bank | 138 | 6.3% |
| 4 | Associated Bank NA | 134 | 6.1% |
| 5 | Uw Credit Union | 128 | 5.9% |
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 Ozaukee 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 Ozaukee 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.