Pierce County
Wisconsin · FIPS 55093
According to CFPB HMDA 2024 application volume among U.S. counties, Pierce County ranks #1,178 of 3,210, and #37 of 72 in Wisconsin.
Mortgage lending activity in Pierce 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. Pierce County, Wisconsin saw 1,371 HMDA-reported mortgage applications in 2024. Lenders originated 844 of those loans and denied 203, producing a denial rate of 14.8% and an approval (origination) rate of 61.6%. The average loan amount was $233,257 at an average note rate of 7.28%, with applicants self-reporting average annual income of $37K. 135 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.3x, meaning typical borrowers took on mortgages of about 6.3 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 Pierce County
In Pierce County, lead originator Westconsin Credit Union funded 15.0% of 844 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 27.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Pierce County's 1,371 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Pierce County's $233,257 average loan (deduped against volume peers).
Lenders active in Pierce County
Westconsin Credit Union funded 127 of the 844 loans originated in Pierce County, 15.0% of the county. 135 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Westconsin Credit Union | 127 | 15.0% |
| 2 | Associated Bank NA | 57 | 6.8% |
| 3 | Royal Credit Union | 44 | 5.2% |
| 4 | Bell Bank | 40 | 4.7% |
| 5 | Rocket Mortgage | 36 | 4.3% |
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 Pierce 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 Pierce 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.