Vilas County
Wisconsin · FIPS 55125
According to CFPB HMDA 2024 application volume among U.S. counties, Vilas County ranks #1,292 of 3,223, and #41 of 72 in Wisconsin.
Mortgage lending activity in Vilas 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. Vilas County, Wisconsin lenders denied 145 of the applications reported here, financing the rest at an average note rate of 7.15%, with applicants self-reporting average annual income of $36K. 153 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.7x, meaning typical borrowers took on mortgages of about 7.7 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 Vilas County
In Vilas County, lead originator Nicolet National Bank funded 13.0% of 784 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 24.2% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Vilas County's 1,178 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Vilas County's $278,701 average loan (deduped against volume peers).
Lenders active in Vilas County
Nicolet National Bank funded 102 of the 784 loans originated in Vilas County, 13.0% of the county. 153 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Nicolet National Bank | 102 | 13.0% |
| 2 | BMO Harris Bank NA | 44 | 5.6% |
| 3 | Associated Bank NA | 44 | 5.6% |
| 4 | Covantage Credit Union | 40 | 5.1% |
| 5 | Summit Credit Union | 38 | 4.8% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Vilas 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 Vilas 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.