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2024 data HMDA 2024 disclosure official source

Sauk County

2,343 mortgage applications, 14.2% denial rate. Verify FIPS 55111 with U.S. Census Bureau →

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Wisconsin · FIPS 55111

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.

FIPS 55111 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,343
Applications
1,524
Originated
14.2%
Denial Rate
65.0%
Approval Rate
$202,563
Avg Loan Amount
6.43%
Avg Interest Rate
$36K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Sauk 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 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%
Compare Summit Credit Union vs Westby Co-Op Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Sauk County?
In the 2024 HMDA reporting year, 2,343 mortgage applications were filed in Sauk County, Wisconsin. Of these, 1,524 were originated (approved and funded), while 332 were denied, resulting in a denial rate of 14.2%.
What is the mortgage denial rate in Sauk County?
The mortgage denial rate in Sauk County is 14.2%. The approval (origination) rate is 65.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sauk County?
The average mortgage loan amount in Sauk County is $202,563. The average interest rate is 6.432%. The average applicant income is $36K.
What is the loan-to-income ratio in Sauk County?
The average loan-to-income ratio in Sauk County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sauk County?
The top mortgage lenders in Sauk County by origination volume are Summit Credit Union, Westby Co-Op Credit Union, Uw Credit Union. In total, 149 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.