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2024 data HMDA 2024 disclosure official source

St. Croix County

3,794 mortgage applications, 11.8% denial rate. Verify FIPS 55109 with U.S. Census Bureau →

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Wisconsin · FIPS 55109

Local mortgage market. St. Croix County, Wisconsin saw 3,794 HMDA-reported mortgage applications in 2024. Lenders originated 2,438 of those loans and denied 446, producing a denial rate of 11.8% and an approval (origination) rate of 64.3%. The average loan amount was $256,447 at an average note rate of 7.36%, with applicants self-reporting average annual income of $37K. 203 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.9x, meaning typical borrowers took on mortgages of about 6.9 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 55109 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,794
Applications
2,438
Originated
11.8%
Denial Rate
64.3%
Approval Rate
$256,447
Avg Loan Amount
7.36%
Avg Interest Rate
$37K
Avg Applicant Income
6.9x
Loan-to-Income Ratio

Nearby Lenders in St. Croix 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 Westconsin Credit Union 269 11.0%
2 Royal Credit Union 216 8.9%
3 Associated Bank NA 144 5.9%
4 Bell Bank 104 4.3%
5 Crosscountry Mortgage, LLC 99 4.1%
Compare Westconsin Credit Union vs Royal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in St. Croix County?
In the 2024 HMDA reporting year, 3,794 mortgage applications were filed in St. Croix County, Wisconsin. Of these, 2,438 were originated (approved and funded), while 446 were denied, resulting in a denial rate of 11.8%.
What is the mortgage denial rate in St. Croix County?
The mortgage denial rate in St. Croix County is 11.8%. The approval (origination) rate is 64.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. Croix County?
The average mortgage loan amount in St. Croix County is $256,447. The average interest rate is 7.364%. The average applicant income is $37K.
What is the loan-to-income ratio in St. Croix County?
The average loan-to-income ratio in St. Croix County is 6.9x, meaning borrowers took on loans averaging 6.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. Croix County?
The top mortgage lenders in St. Croix County by origination volume are Westconsin Credit Union, Royal Credit Union, Associated Bank NA. In total, 203 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.