Fond du Lac
Metropolitan Statistical Area · MSA Code 22540
According to CFPB HMDA 2024 application volume among tracked metros, Fond du Lac ranks #370 of 418.
Mortgage lending activity in the Fond du Lac metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Fond du Lac Metropolitan Statistical Area (MSA code 22540) recorded 3,689 HMDA-reported mortgage applications in 2024. Lenders originated 2,363 of those and denied others at a rate of 14.5%, for an approval (origination) rate of 64.1%. The average loan amount across the MSA was $187,914 at an average note rate of 7.26%. 20 major lenders are tracked for this metro - National Exchange Bank & Trust, Us Bank, N.A., Verve, A Credit Union lead by origination volume. Among the 418 metros tracked, Fond du Lac ranks #97 by denial rate (the 77th percentile for approval-friendliness), and shares its 5-point denial-rate band with 117 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Fond du Lac denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 14.5% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $187,914 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Fond du Lac
In Fond du Lac, lead originator National Exchange Bank & Trust funded 12.7% of 2,363 originated loans, in the middle tercile of U.S. metros (~8.7-12.8% top-1). The top three reporters together hold 23.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Metros With a Similar Denial Rate
The metro areas closest to Fond du Lac's 14.5% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Fond du Lac's 3,689 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Fond du Lac's $187,914 average loan (deduped against denial and volume peers).
Lenders active in the Fond du Lac metro
National Exchange Bank & Trust funded 301 of the 2,363 loans originated here, 12.7% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | National Exchange Bank & Trust | 301 | 362 | $139,254 | 12.7% |
| 2 | Us Bank, N.A. | 134 | 190 | $157,211 | 5.7% |
| 3 | Verve, A Credit Union | 129 | 194 | $100,619 | 5.5% |
| 4 | Bank First N.A. | 114 | 131 | $145,076 | 4.8% |
| 5 | Associated Bank NA | 114 | 170 | $149,765 | 4.8% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Fond du Lac 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 Fond du Lac 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.