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2024 data HMDA 2024 disclosure official source

Waupaca County

1,916 mortgage applications, 12.9% denial rate. Verify FIPS 55135 with U.S. Census Bureau →

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Wisconsin · FIPS 55135

Local mortgage market. Waupaca County, Wisconsin saw 1,916 HMDA-reported mortgage applications in 2024. Lenders originated 1,224 of those loans and denied 248, producing a denial rate of 12.9% and an approval (origination) rate of 63.9%. The average loan amount was $176,106 at an average note rate of 7.02%, with applicants self-reporting average annual income of $35K. 138 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 55135 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,916
Applications
1,224
Originated
12.9%
Denial Rate
63.9%
Approval Rate
$176,106
Avg Loan Amount
7.02%
Avg Interest Rate
$35K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Waupaca 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 Community First Credit Union 215 17.6%
2 Fox Communities Credit Union 114 9.3%
3 Covantage Credit Union 75 6.1%
4 Rocket Mortgage 56 4.6%
5 Bank First N.A. 56 4.6%
Compare Community First Credit Union vs Fox Communities Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Waupaca County?
In the 2024 HMDA reporting year, 1,916 mortgage applications were filed in Waupaca County, Wisconsin. Of these, 1,224 were originated (approved and funded), while 248 were denied, resulting in a denial rate of 12.9%.
What is the mortgage denial rate in Waupaca County?
The mortgage denial rate in Waupaca County is 12.9%. The approval (origination) rate is 63.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Waupaca County?
The average mortgage loan amount in Waupaca County is $176,106. The average interest rate is 7.023%. The average applicant income is $35K.
What is the loan-to-income ratio in Waupaca County?
The average loan-to-income ratio in Waupaca County is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Waupaca County?
The top mortgage lenders in Waupaca County by origination volume are Community First Credit Union, Fox Communities Credit Union, Covantage Credit Union. In total, 138 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.