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Wood 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 2,100 mortgage applications in Wood County, Wisconsin, for 2024, and originated 1,435 loans worth $222m.
That is 44.5 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.
The county's denial rate was 16.7%, close to the state rate of 17.1%. The median rate spread on originated loans was 0.4 percentage points and 16.8% of originations were 1.5 points or more above the average prime offer rate.
21 lenders reached 25 applications in the county; the most active by originations were Simplicity Credit Union (217), Associated Bank NA (82) and Covantage Credit Union (77).
Originations were up 17% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Simplicity Credit Union | 263 | 217 | $29m | 6.5% | — |
| 2 | Associated Bank NA | 116 | 82 | $10m | 22.2% | — |
| 3 | Covantage Credit Union | 101 | 77 | $7.7m | 6.9% | — |
| 4 | Us Bank, N.A. | 107 | 72 | $13m | 19.8% | — |
| 5 | Ixonia Bank | 84 | 65 | $12m | 7.0% | — |
| 6 | Forward Bank | 83 | 65 | $11m | 9.9% | — |
| 7 | Rocket Mortgage | 89 | 64 | $9.9m | 16.3% | — |
| 8 | Valley Communities Credit Union | 72 | 58 | $6.5m | 10.8% | — |
| 9 | Nations Lending Corporation | 53 | 42 | $6.6m | 4.3% | — |
| 10 | Fairway Independent Mort Corp | 48 | 41 | $7.6m | 4.7% | — |
| 11 | Mortgage Research Center | 59 | 31 | $6.8m | 26.2% | — |
| 12 | Connexus Credit Union | 58 | 30 | $3.0m | 36.4% | — |
| 13 | Uw Credit Union | 42 | 29 | $3.2m | 17.1% | — |
| 14 | BMO Harris Bank NA | 40 | 27 | $4.3m | 25.0% | — |
| 15 | Prevail Bank | 36 | 27 | $4.5m | 3.6% | — |
| 16 | Summit Credit Union | 38 | 23 | $1.9m | 19.4% | — |
| 17 | First Federal Bank | 27 | 22 | $3.8m | — | — |
| 18 | United Wholesale Mortgage | 29 | 20 | $3.9m | 22.2% | — |
| 19 | Discover Bank | 28 | 9 | $545k | — | — |
| 20 | Triad Financial Services, Inc. | 34 | 6 | $330k | 55.9% | — |
| 21 | 21st Mortgage | 32 | 5 | $275k | — | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 21. Denial rate is denials over decided applications in this county.
Compared with Wisconsin and the nation
| Measure | This county | Wisconsin | United States |
|---|---|---|---|
| Denial rate | 16.7% | 17.1% | 24.3% |
| Median rate spread, pp | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 16.8% | 11.0% | 15.6% |
| Average originated loan | $155k | $223k | $329k |
| Originations per 1,000 households | 44.5 | 55.4 | 48.0 |
| Home purchase share of originations | 54.0% | 46.3% | 57.0% |
| FHA-insured share | 9.8% | 5.6% | 13.4% |
| VA-guaranteed share | 6.6% | 4.3% | 7.9% |
Rate spread distribution
Share of 1,198 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 54% (775)Home improvement 9% (123)Refinancing 10% (147)Cash-out refinancing 14% (203)Other purpose 13% (187)
By type
Conventional 81% (1,162)FHA 10% (141)VA 7% (95)USDA 3% (37)
Trend by year
ApplicationsOriginations
This countyWisconsin
Questions and answers
Which lenders are most active in Wood County, WI?
By 2024 originations: Simplicity Credit Union (217), Associated Bank NA (82), Covantage Credit Union (77), Us Bank, N.A. (72), Ixonia Bank (65). 21 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Wood County?
16.7% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.
How many mortgages were originated in Wood County in 2024?
1,435 loans totalling $222m, from 2,100 applications; 44.5 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 55141; 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.