Winnebago County
Wisconsin · FIPS 55139
According to CFPB HMDA 2024 application volume among U.S. counties, Winnebago County ranks #436 of 3,210, and #9 of 72 in Wisconsin.
Mortgage lending activity in Winnebago 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. Winnebago County, Wisconsin saw 6,086 HMDA-reported mortgage applications in 2024. Lenders originated 4,201 of those loans and denied 641, producing a denial rate of 10.5% and an approval (origination) rate of 69.0%. The average loan amount was $198,572 at an average note rate of 7.03%, with applicants self-reporting average annual income of $35K. 234 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.7x, meaning typical borrowers took on mortgages of about 5.7 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 Winnebago County
In Winnebago County, lead originator Community First Credit Union funded 14.2% of 4,201 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.9% 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 Winnebago County's 6,086 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Winnebago County's $198,572 average loan (deduped against volume peers).
Lenders active in Winnebago County
Community First Credit Union funded 598 of the 4,201 loans originated in Winnebago County, 14.2% of the county. 234 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Community First Credit Union | 598 | 14.2% |
| 2 | Verve, A Credit Union | 288 | 6.9% |
| 3 | Fox Communities Credit Union | 245 | 5.8% |
| 4 | Nicolet National Bank | 205 | 4.9% |
| 5 | Associated Bank NA | 153 | 3.6% |
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; does not constitute financial advice for Winnebago County borrowers.
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 Winnebago County 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. 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.