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2024 data HMDA 2024 disclosure official source

Trempealeau County

756 mortgage applications, 11.6% denial rate. Verify FIPS 55121 with U.S. Census Bureau →

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Wisconsin · FIPS 55121

Local mortgage market. Trempealeau County, Wisconsin saw 756 HMDA-reported mortgage applications in 2024. Lenders originated 523 of those loans and denied 88, producing a denial rate of 11.6% and an approval (origination) rate of 69.2%. The average loan amount was $179,735 at an average note rate of 7.29%, with applicants self-reporting average annual income of $37K. 99 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 55121 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

756
Applications
523
Originated
11.6%
Denial Rate
69.2%
Approval Rate
$179,735
Avg Loan Amount
7.29%
Avg Interest Rate
$37K
Avg Applicant Income
4.9x
Loan-to-Income Ratio

Nearby Lenders in Trempealeau 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 Royal Credit Union 80 15.3%
2 Altra Federal Credit Union 75 14.3%
3 Co-op Credit Union 54 10.3%
4 Bluff View Bank 29 5.5%
5 Rocket Mortgage 19 3.6%
Compare Royal Credit Union vs Altra Federal Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Trempealeau County?
In the 2024 HMDA reporting year, 756 mortgage applications were filed in Trempealeau County, Wisconsin. Of these, 523 were originated (approved and funded), while 88 were denied, resulting in a denial rate of 11.6%.
What is the mortgage denial rate in Trempealeau County?
The mortgage denial rate in Trempealeau County is 11.6%. The approval (origination) rate is 69.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Trempealeau County?
The average mortgage loan amount in Trempealeau County is $179,735. The average interest rate is 7.293%. The average applicant income is $37K.
What is the loan-to-income ratio in Trempealeau County?
The average loan-to-income ratio in Trempealeau County is 4.9x, meaning borrowers took on loans averaging 4.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Trempealeau County?
The top mortgage lenders in Trempealeau County by origination volume are Royal Credit Union, Altra Federal Credit Union, Co-op Credit Union. In total, 99 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.