Sauk County
Wisconsin · FIPS 55111
According to CFPB HMDA 2024 application volume among U.S. counties, Sauk County ranks #842 of 3,210, and #23 of 72 in Wisconsin.
Mortgage lending activity in Sauk 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. Sauk County, Wisconsin saw 2,343 HMDA-reported mortgage applications in 2024. Lenders originated 1,524 of those loans and denied 332, producing a denial rate of 14.2% and an approval (origination) rate of 65.0%. The average loan amount was $202,563 at an average note rate of 6.43%, with applicants self-reporting average annual income of $36K. 149 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 Sauk County
In Sauk County, lead originator Summit Credit Union funded 27.2% of 1,524 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Sauk County's 2,343 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Sauk County's $202,563 average loan (deduped against volume peers).
Lenders active in Sauk County
Summit Credit Union funded 414 of the 1,524 loans originated in Sauk County, 27.2% of the county. 149 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Summit Credit Union | 414 | 27.2% |
| 2 | Westby Co-Op Credit Union | 132 | 8.7% |
| 3 | Uw Credit Union | 113 | 7.4% |
| 4 | Fairway Independent Mort CORP | 77 | 5.1% |
| 5 | Guild Mortgage Company | 52 | 3.4% |
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 Sauk 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 Sauk 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.