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2024 data HMDA 2024 disclosure official source

Waushara County

1,042 mortgage applications, 14.7% denial rate. Verify FIPS 55137 with U.S. Census Bureau →

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Wisconsin · FIPS 55137

Local mortgage market. Waushara County, Wisconsin saw 1,042 HMDA-reported mortgage applications in 2024. Lenders originated 667 of those loans and denied 153, producing a denial rate of 14.7% and an approval (origination) rate of 64.0%. The average loan amount was $168,896 at an average note rate of 7.05%, with applicants self-reporting average annual income of $36K. 125 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 55137 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,042
Applications
667
Originated
14.7%
Denial Rate
64.0%
Approval Rate
$168,896
Avg Loan Amount
7.05%
Avg Interest Rate
$36K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Waushara 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 Bank First N.A. 66 9.9%
2 Community First Credit Union 55 8.2%
3 Rocket Mortgage 31 4.6%
4 Guild Mortgage Company 29 4.3%
5 Fortifi Bank 27 4.0%
Compare Bank First N.A. vs Community First Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Waushara County?
In the 2024 HMDA reporting year, 1,042 mortgage applications were filed in Waushara County, Wisconsin. Of these, 667 were originated (approved and funded), while 153 were denied, resulting in a denial rate of 14.7%.
What is the mortgage denial rate in Waushara County?
The mortgage denial rate in Waushara County is 14.7%. The approval (origination) rate is 64.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Waushara County?
The average mortgage loan amount in Waushara County is $168,896. The average interest rate is 7.047%. The average applicant income is $36K.
What is the loan-to-income ratio in Waushara County?
The average loan-to-income ratio in Waushara County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Waushara County?
The top mortgage lenders in Waushara County by origination volume are Bank First N.A., Community First Credit Union, Rocket Mortgage. In total, 125 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.