Outagamie County, WI: mortgage lenders, denial rate and originations, 2024

States › Wisconsin › Outagamie County

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.

Outagamie County, Wisconsin, saw 6,816 HMDA-reported applications and 5,064 originations ($1.1bn) in 2024.

That is 64.6 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.

The county's denial rate was 10.7%, below the state rate of 17.1%. The median rate spread on originated loans was 0.2 percentage points and 7.0% of originations were 1.5 points or more above the average prime offer rate.

55 lenders reached 25 applications in the county; the most active by originations were Community First Credit Union (851), Fox Communities Credit Union (569) and Capital Credit Union (396).

Originations were up 22% on 2023.

6,816applications, 2024

5,064loans originated$1.1bn

10.7%denial rateWI 17.1% · US 24.3%

64.6originations per 1,000 householdsWI 55.4 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Community First Credit Union	1,058	851	$141m	7.3%	—
2	Fox Communities Credit Union	685	569	$73m	4.3%	—
3	Capital Credit Union	515	396	$50m	5.5%	—
4	Nicolet National Bank	256	231	$59m	2.1%	—
5	Associated Bank NA	232	160	$27m	23.8%	—
6	Rocket Mortgage	167	134	$28m	15.5%	—
7	Covantage Credit Union	167	128	$21m	7.6%	—
8	BMO Harris Bank NA	180	120	$20m	23.3%	—
9	United Wholesale Mortgage	131	110	$30m	6.6%	—
10	Guild Mortgage Company	128	102	$25m	0.0%	—
11	Wells Fargo Bank NA	127	95	$24m	11.1%	—
12	East Wisconsin Savings Bank	118	94	$27m	8.3%	—
13	Johnson Bank	98	83	$20m	7.4%	—
14	Nations Lending Corporation	86	80	$18m	1.2%	—
15	Fairway Independent Mort Corp	88	76	$17m	2.6%	—
16	Home State Bank, N.A.	85	76	$16m	2.4%	—
17	Us Bank, N.A.	103	70	$20m	16.5%	—
18	Wolf River Community Bank	73	68	$15m	2.9%	—
19	BLC Community Bank	72	65	$19m	1.5%	—
20	Waterstone Mortgage Corporation	70	59	$13m	1.7%	—
21	Guaranteed Rate, Inc.	76	54	$14m	5.2%	—
22	Mortgage Research Center	69	45	$15m	16.7%	—
23	Unison Credit Union	49	43	$7.2m	4.4%	—
24	Primary Residential Mortgage, INC.	52	40	$8.5m	2.4%	—
25	Barrington Bank & Trust Company, N.A.	45	38	$10m	5.0%	—
26	Bank First N.A.	45	37	$9.6m	9.3%	—
27	Pennymac Loan Services LLC	71	36	$8.5m	22.9%	—
28	JPMorgan Chase Bank, NA	43	35	$18m	5.3%	—
29	Freedom Mortgage Corporation	70	34	$8.8m	19.1%	—
30	Verve, A Credit Union	46	34	$8.4m	9.8%	—
31	Uw Credit Union	44	34	$5.5m	15.0%	—
32	Summit Credit Union	40	33	$6.1m	5.1%	—
33	Crosscountry Mortgage, LLC	48	31	$7.2m	3.1%	—
34	North Shore Bank	41	30	$26m	24.4%	—
35	First Colony Mortgage Corporation	34	29	$7.3m	0.0%	—
36	Prospera Credit Union	37	28	$6.3m	6.3%	—
37	Old National Bank	38	27	$6.1m	22.9%	—
38	Ixonia Bank	34	26	$7.0m	7.1%	—
39	Bank Five Nine	28	26	$7.6m	0.0%	—
40	Nexbank	25	23	$5.1m	—	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 55. Denial rate is denials over decided applications in this county.

Compared with Wisconsin and the nation

Measure	This county	Wisconsin	United States
Denial rate	10.7%	17.1%	24.3%
Median rate spread, pp	0.2	0.2	0.3
Originations with spread of 1.5 pp or more	7.0%	11.0%	15.6%
Average originated loan	$209k	$223k	$329k
Originations per 1,000 households	64.6	55.4	48.0
Home purchase share of originations	47.2%	46.3%	57.0%
FHA-insured share	4.5%	5.6%	13.4%
VA-guaranteed share	4.4%	4.3%	7.9%

Rate spread distribution

Below 0 pp37.9%

0 to 0.5 pp32.1%

0.5 to 1 pp16.3%

1 to 1.5 pp6.7%

1.5 to 3 pp4.3%

3 or more pp2.8%

Share of 4,384 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 47% (2,389)Home improvement 8% (396)Refinancing 16% (823)Cash-out refinancing 13% (656)Other purpose 16% (800)

By type

Conventional 91% (4,606)FHA 5% (230)VA 4% (223)USDA 0% (5)

Trend by year

ApplicationsOriginations

Applications and originations in Outagamie County, 2022–2024

This countyWisconsin

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in Outagamie County, WI?

By 2024 originations: Community First Credit Union (851), Fox Communities Credit Union (569), Capital Credit Union (396), Nicolet National Bank (231), Associated Bank NA (160). 55 lenders had at least 25 applications in the county.

What is the mortgage denial rate in Outagamie County?

10.7% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.

How many mortgages were originated in Outagamie County in 2024?

5,064 loans totalling $1.1bn, from 6,816 applications; 64.6 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 55087; 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.