PlainLender
2024 data HMDA 2024 disclosure official source

Vilas County

1,178 mortgage applications, 12.3% denial rate. Verify FIPS 55125 with U.S. Census Bureau →

PlainLender home → About this data

Wisconsin · FIPS 55125

Local mortgage market. Vilas County, Wisconsin saw 1,178 HMDA-reported mortgage applications in 2024. Lenders originated 784 of those loans and denied 145, producing a denial rate of 12.3% and an approval (origination) rate of 66.6%. The average loan amount was $278,701 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.

FIPS 55125 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,178
Applications
784
Originated
12.3%
Denial Rate
66.6%
Approval Rate
$278,701
Avg Loan Amount
7.15%
Avg Interest Rate
$36K
Avg Applicant Income
7.7x
Loan-to-Income Ratio

Nearby Lenders in Vilas 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 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%
Compare Nicolet National Bank vs BMO Harris Bank NA →

Frequently Asked Questions

How many mortgage applications were filed in Vilas County?
In the 2024 HMDA reporting year, 1,178 mortgage applications were filed in Vilas County, Wisconsin. Of these, 784 were originated (approved and funded), while 145 were denied, resulting in a denial rate of 12.3%.
What is the mortgage denial rate in Vilas County?
The mortgage denial rate in Vilas County is 12.3%. The approval (origination) rate is 66.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Vilas County?
The average mortgage loan amount in Vilas County is $278,701. The average interest rate is 7.146%. The average applicant income is $36K.
What is the loan-to-income ratio in Vilas County?
The average loan-to-income ratio in Vilas County is 7.7x, meaning borrowers took on loans averaging 7.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Vilas County?
The top mortgage lenders in Vilas County by origination volume are Nicolet National Bank, BMO Harris Bank NA, Associated Bank NA. In total, 153 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.