States › Wisconsin › Sheboygan County
Sheboygan 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.
Sheboygan County, Wisconsin, saw 3,878 HMDA-reported applications and 2,680 originations ($523m) in 2024.
That is 53.9 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.
The county's denial rate was 16.0%, close to the state rate of 17.1%. The median rate spread on originated loans was 0.3 percentage points and 15.0% of originations were 1.5 points or more above the average prime offer rate.
34 lenders reached 25 applications in the county; the most active by originations were Kohler Credit Union (299), Bank First N.A. (256) and Oostburg State Bank (123).
Originations were up 13% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 34. Denial rate is denials over decided applications in this county.
Compared with Wisconsin and the nation
| Measure | This county | Wisconsin | United States |
|---|---|---|---|
| Denial rate | 16.0% | 17.1% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 15.0% | 11.0% | 15.6% |
| Average originated loan | $195k | $223k | $329k |
| Originations per 1,000 households | 53.9 | 55.4 | 48.0 |
| Home purchase share of originations | 46.7% | 46.3% | 57.0% |
| FHA-insured share | 7.2% | 5.6% | 13.4% |
| VA-guaranteed share | 4.4% | 4.3% | 7.9% |
Rate spread distribution
Share of 2,159 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% (1,251)Home improvement 16% (424)Refinancing 14% (384)Cash-out refinancing 13% (343)Other purpose 10% (278)
By type
Conventional 88% (2,366)FHA 7% (193)VA 4% (119)USDA 0% (2)
Trend by year
ApplicationsOriginations
This countyWisconsin
Questions and answers
Which lenders are most active in Sheboygan County, WI?
By 2024 originations: Kohler Credit Union (299), Bank First N.A. (256), Oostburg State Bank (123), Rocket Mortgage (113), Summit Credit Union (113). 34 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Sheboygan County?
16.0% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.
How many mortgages were originated in Sheboygan County in 2024?
2,680 loans totalling $523m, from 3,878 applications; 53.9 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 55117; 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.