Shawano County
Wisconsin · FIPS 55115
According to CFPB HMDA 2024 application volume among U.S. counties, Shawano County ranks #1,047 of 3,223, and #33 of 72 in Wisconsin.
Mortgage lending activity in Shawano 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. Shawano County, Wisconsin lenders denied 210 of the applications reported here, financing the rest at an average note rate of 7.20%, with applicants self-reporting average annual income of $36K. 112 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Shawano County
In Shawano County, lead originator Covantage Credit Union funded 40.4% of 1,108 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 52.8% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Shawano County's 1,653 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Shawano County's $139,259 average loan (deduped against volume peers).
Lenders active in Shawano County
Covantage Credit Union funded 448 of the 1,108 loans originated in Shawano County, 40.4% of the county. 112 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Covantage Credit Union | 448 | 40.4% |
| 2 | Capital Credit Union | 76 | 6.9% |
| 3 | Fox Communities Credit Union | 61 | 5.5% |
| 4 | Associated Bank NA | 60 | 5.4% |
| 5 | Community First Credit Union | 31 | 2.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Shawano County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Shawano County borrowers. 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.