PlainLender
2024 data HMDA 2024 disclosure official source

Sheboygan County

4,127 mortgage applications, 12.9% denial rate. Verify FIPS 55117 with U.S. Census Bureau →

PlainLender home → About this data

Wisconsin · FIPS 55117

Local mortgage market. Sheboygan County, Wisconsin saw 4,127 HMDA-reported mortgage applications in 2024. Lenders originated 2,680 of those loans and denied 531, producing a denial rate of 12.9% and an approval (origination) rate of 64.9%. The average loan amount was $185,119 at an average note rate of 7.21%, with applicants self-reporting average annual income of $36K. 202 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.1x, meaning typical borrowers took on mortgages of about 5.1 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 55117 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,127
Applications
2,680
Originated
12.9%
Denial Rate
64.9%
Approval Rate
$185,119
Avg Loan Amount
7.21%
Avg Interest Rate
$36K
Avg Applicant Income
5.1x
Loan-to-Income Ratio

Nearby Lenders in Sheboygan 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 Kohler Credit Union 299 11.2%
2 Bank First N.A. 256 9.6%
3 Oostburg State Bank 123 4.6%
4 Summit Credit Union 113 4.2%
5 Rocket Mortgage 113 4.2%
Compare Kohler Credit Union vs Bank First N.A. →

Frequently Asked Questions

How many mortgage applications were filed in Sheboygan County?
In the 2024 HMDA reporting year, 4,127 mortgage applications were filed in Sheboygan County, Wisconsin. Of these, 2,680 were originated (approved and funded), while 531 were denied, resulting in a denial rate of 12.9%.
What is the mortgage denial rate in Sheboygan County?
The mortgage denial rate in Sheboygan County is 12.9%. The approval (origination) rate is 64.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Sheboygan County?
The average mortgage loan amount in Sheboygan County is $185,119. The average interest rate is 7.205%. The average applicant income is $36K.
What is the loan-to-income ratio in Sheboygan County?
The average loan-to-income ratio in Sheboygan County is 5.1x, meaning borrowers took on loans averaging 5.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Sheboygan County?
The top mortgage lenders in Sheboygan County by origination volume are Kohler Credit Union, Bank First N.A., Oostburg State Bank. In total, 202 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.