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2024 data HMDA 2024 disclosure official source

Waukesha County

16,697 mortgage applications, 12.2% denial rate. Verify FIPS 55133 with U.S. Census Bureau →

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Wisconsin · FIPS 55133

Local mortgage market. Waukesha County, Wisconsin saw 16,697 HMDA-reported mortgage applications in 2024. Lenders originated 10,988 of those loans and denied 2,034, producing a denial rate of 12.2% and an approval (origination) rate of 65.8%. The average loan amount was $287,918 at an average note rate of 6.72%, with applicants self-reporting average annual income of $35K. 333 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.2x, meaning typical borrowers took on mortgages of about 8.2 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 55133 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

16,697
Applications
10,988
Originated
12.2%
Denial Rate
65.8%
Approval Rate
$287,918
Avg Loan Amount
6.72%
Avg Interest Rate
$35K
Avg Applicant Income
8.2x
Loan-to-Income Ratio

Nearby Lenders in Waukesha 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 Landmark Credit Union 1,793 16.3%
2 Summit Credit Union 1,129 10.3%
3 Uw Credit Union 767 7.0%
4 Waukesha State Bank 471 4.3%
5 Associated Bank NA 390 3.5%
Compare Landmark Credit Union vs Summit Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Waukesha County?
In the 2024 HMDA reporting year, 16,697 mortgage applications were filed in Waukesha County, Wisconsin. Of these, 10,988 were originated (approved and funded), while 2,034 were denied, resulting in a denial rate of 12.2%.
What is the mortgage denial rate in Waukesha County?
The mortgage denial rate in Waukesha County is 12.2%. The approval (origination) rate is 65.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Waukesha County?
The average mortgage loan amount in Waukesha County is $287,918. The average interest rate is 6.724%. The average applicant income is $35K.
What is the loan-to-income ratio in Waukesha County?
The average loan-to-income ratio in Waukesha County is 8.2x, meaning borrowers took on loans averaging 8.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Waukesha County?
The top mortgage lenders in Waukesha County by origination volume are Landmark Credit Union, Summit Credit Union, Uw Credit Union. In total, 333 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.