States › Wisconsin › Douglas County
Douglas County, Wisconsin
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 1,475 mortgage applications in Douglas County, Wisconsin, for 2024, and originated 1,021 loans worth $195m.
That is 53.3 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.
The county's denial rate was 17.5%, close to the state rate of 17.1%. The median rate spread on originated loans was 0.3 percentage points and 15.6% of originations were 1.5 points or more above the average prime offer rate.
15 lenders reached 25 applications in the county; the most active by originations were Superior Choice Credit Union (197), National Bank of Commerce (72) and Superior Savings Bank (70).
Originations were up 5% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Superior Choice Credit Union | 268 | 197 | $24m | 17.4% | — |
| 2 | National Bank of Commerce | 93 | 72 | $20m | 12.9% | — |
| 3 | Superior Savings Bank | 74 | 70 | $12m | 2.8% | — |
| 4 | Centricity Credit Union | 59 | 51 | $3.3m | 10.3% | — |
| 5 | Rocket Mortgage | 74 | 50 | $8.8m | 25.0% | — |
| 6 | North Shore Bank of Commerce | 55 | 46 | $9.4m | 9.8% | — |
| 7 | Everett Financial, Inc. | 36 | 31 | $6.3m | 3.1% | — |
| 8 | Members Cooperative Credit Union | 34 | 25 | $2.8m | 13.8% | — |
| 9 | Bell Bank | 28 | 23 | $4.8m | — | — |
| 10 | Mortgage Research Center | 41 | 22 | $5.3m | 26.7% | — |
| 11 | Us Bank, N.A. | 33 | 21 | $4.3m | 24.1% | — |
| 12 | United Wholesale Mortgage | 27 | 21 | $5.2m | — | — |
| 13 | Affinity Plus Federal Credit Union | 27 | 19 | $1.6m | — | — |
| 14 | BMO Harris Bank NA | 45 | 16 | $1.4m | 55.6% | — |
| 15 | Discover Bank | 25 | 6 | $400k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 15. Denial rate is denials over decided applications in this county.
Compared with Wisconsin and the nation
| Measure | This county | Wisconsin | United States |
|---|---|---|---|
| Denial rate | 17.5% | 17.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.6% | 11.0% | 15.6% |
| Average originated loan | $191k | $223k | $329k |
| Originations per 1,000 households | 53.3 | 55.4 | 48.0 |
| Home purchase share of originations | 51.2% | 46.3% | 57.0% |
| FHA-insured share | 6.5% | 5.6% | 13.4% |
| VA-guaranteed share | 6.5% | 4.3% | 7.9% |
Rate spread distribution
Share of 841 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Wisconsin). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 51% (523)Home improvement 14% (146)Refinancing 9% (91)Cash-out refinancing 16% (163)Other purpose 10% (98)
By type
Conventional 87% (886)FHA 6% (66)VA 6% (66)USDA 0% (3)
Trend by year
ApplicationsOriginations
This countyWisconsin
Questions and answers
Which lenders are most active in Douglas County, WI?
By 2024 originations: Superior Choice Credit Union (197), National Bank of Commerce (72), Superior Savings Bank (70), Centricity Credit Union (51), Rocket Mortgage (50). 15 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Douglas County?
17.5% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.
How many mortgages were originated in Douglas County in 2024?
1,021 loans totalling $195m, from 1,475 applications; 53.3 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 55031; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.