States › Wisconsin › Manitowoc County
Manitowoc 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 2,924 mortgage applications in Manitowoc County, Wisconsin, for 2024, and originated 2,005 loans worth $299m.
That is 57.0 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.
The county's denial rate was 15.5%, close to the state rate of 17.1%. The median rate spread on originated loans was 0.3 percentage points and 11.8% of originations were 1.5 points or more above the average prime offer rate.
22 lenders reached 25 applications in the county; the most active by originations were Bank First N.A. (254), Unitedone Credit Union (212) and Community First Credit Union (161).
Originations were up 24% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Bank First N.A. | 297 | 254 | $36m | 6.8% | — |
| 2 | Unitedone Credit Union | 286 | 212 | $20m | 15.2% | — |
| 3 | Community First Credit Union | 211 | 161 | $18m | 10.0% | — |
| 4 | Fox Communities Credit Union | 148 | 112 | $13m | 7.8% | — |
| 5 | Shoreline Credit Union | 135 | 93 | $9.0m | 15.2% | — |
| 6 | Associated Bank NA | 122 | 92 | $12m | 18.6% | — |
| 7 | Rocket Mortgage | 108 | 81 | $13m | 19.6% | — |
| 8 | Us Bank, N.A. | 100 | 58 | $7.4m | 35.2% | — |
| 9 | Kohler Credit Union | 65 | 47 | $6.5m | 11.3% | — |
| 10 | Guild Mortgage Company | 60 | 46 | $8.0m | 5.7% | — |
| 11 | Collins State Bank | 45 | 44 | $8.2m | 0.0% | — |
| 12 | Mortgage Research Center | 60 | 37 | $9.2m | 17.8% | — |
| 13 | United Wholesale Mortgage | 55 | 32 | $6.1m | 16.7% | — |
| 14 | Nicolet National Bank | 44 | 32 | $5.7m | 8.3% | — |
| 15 | Cleveland State Bank | 31 | 30 | $5.6m | 0.0% | — |
| 16 | First Colony Mortgage Corporation | 30 | 25 | $4.6m | 3.7% | — |
| 17 | BMO Harris Bank NA | 57 | 24 | $3.7m | 40.5% | — |
| 18 | Summit Credit Union | 32 | 24 | $3.3m | 20.0% | — |
| 19 | Guaranteed Rate, Inc. | 28 | 19 | $4.1m | — | — |
| 20 | Planet Home Lending, LLC | 25 | 19 | $3.1m | — | — |
| 21 | Marine Credit Union | 41 | 12 | $1.3m | 55.9% | — |
| 22 | Discover Bank | 38 | 4 | $330k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 22. Denial rate is denials over decided applications in this county.
Compared with Wisconsin and the nation
| Measure | This county | Wisconsin | United States |
|---|---|---|---|
| Denial rate | 15.5% | 17.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.8% | 11.0% | 15.6% |
| Average originated loan | $149k | $223k | $329k |
| Originations per 1,000 households | 57.0 | 55.4 | 48.0 |
| Home purchase share of originations | 42.9% | 46.3% | 57.0% |
| FHA-insured share | 5.6% | 5.6% | 13.4% |
| VA-guaranteed share | 5.5% | 4.3% | 7.9% |
Rate spread distribution
Share of 1,721 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 43% (860)Home improvement 14% (277)Refinancing 16% (325)Cash-out refinancing 14% (280)Other purpose 13% (263)
By type
Conventional 89% (1,777)FHA 6% (113)VA 5% (110)USDA 0% (5)
Trend by year
ApplicationsOriginations
This countyWisconsin
Questions and answers
Which lenders are most active in Manitowoc County, WI?
By 2024 originations: Bank First N.A. (254), Unitedone Credit Union (212), Community First Credit Union (161), Fox Communities Credit Union (112), Shoreline Credit Union (93). 22 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Manitowoc County?
15.5% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.
How many mortgages were originated in Manitowoc County in 2024?
2,005 loans totalling $299m, from 2,924 applications; 57.0 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 55071; 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.