Vernon County, WI Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 923 mortgage applications in Vernon County, WI totaling $173.8 million, up 22% from 2024. The average application was for $188,000, and applicants reported an average income of $108,000. 67% of applications resulted in an originated loan and 11% were denied. The most active lender was Altra Federal Credit Union, with 99 applications, followed by Westby Co-Op Credit Union and Citizens First Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Wisconsin.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 923 |
| Total Mortgage Loan Application Amount | $173,755,000 |
| Average Mortgage Loan Application Amount | $188,000 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $1,130,000 |
Top Mortgage Lenders in Vernon County, WI (2025)
Ranked by the number of mortgage applications each lender reported in Vernon County, WI in 2025.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Altra Federal Credit Union Onalaska, WI |
99 | $16,365,000 | $165,000 | $122,000 |
| 2 | Westby Co-Op Credit Union Westby, WI |
95 | $11,595,000 | $122,000 | $102,000 |
| 3 | Citizens First Bank Viroqua, WI |
53 | $12,365,000 | $233,000 | $107,000 |
| 4 | Royal Bank Elroy, WI |
48 | $9,640,000 | $200,000 | $121,000 |
| 5 | Bank of Ontario Ontario, WI |
35 | $3,405,000 | $97,000 | $97,000 |
| 6 | Associated Bank NA Green Bay, WI |
35 | $5,465,000 | $156,000 | $86,000 |
| 7 | One Community Bank Oregon, WI |
30 | $3,110,000 | $103,000 | $90,000 |
| 8 | Compeer Financial Sun Prairie, WI |
27 | $6,015,000 | $222,000 | $145,000 |
| 9 | Marine Credit Union La Crosse, WI |
19 | $3,435,000 | $180,000 | $122,000 |
| 10 | River Bank Stoddard, WI |
16 | $2,880,000 | $180,000 | $109,000 |
The tables below break down 2025 mortgage applications in Vernon County, WI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Vernon County, WI in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 395 | $86,585,000 | $219,000 | $805,000 | $111,000 | $1,130,000 |
| Cash-out Refinancing | 202 | $40,510,000 | $200,000 | $10,005,000 | $93,000 | $276,000 |
| Refinancing | 167 | $34,445,000 | $206,000 | $1,005,000 | $119,000 | $574,000 |
| Other Purpose | 80 | $6,470,000 | $80,000 | $355,000 | $90,000 | $276,000 |
| Home Improvement | 75 | $5,235,000 | $69,000 | $305,000 | $129,000 | $506,000 |
| Not Applicable | 4 | $510,000 | $127,000 | $195,000 | $57,000 | $80,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 762 | $134,310,000 | $176,000 | $1,005,000 | $110,000 | $1,130,000 |
| Not Provided | 72 | $10,320,000 | $143,000 | $365,000 | $92,000 | $276,000 |
| Not applicable | 68 | $26,070,000 | $383,000 | $10,005,000 | $108,000 | $178,000 |
| Hispanic | 13 | $1,465,000 | $112,000 | $455,000 | $70,000 | $133,000 |
| Asian | 4 | $1,060,000 | $265,000 | $365,000 | $93,000 | $135,000 |
| Black or African American | 3 | $485,000 | $161,000 | $245,000 | $106,000 | $137,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $45,000 | $45,000 | $45,000 | $93,000 | $93,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 797 | $144,145,000 | $180,000 | $10,005,000 | $110,000 | $1,130,000 |
| VA-guaranteed (Veterans Administration) | 74 | $19,180,000 | $259,000 | $505,000 | $99,000 | $248,000 |
| FHA-insured (Federal Housing Administration) | 50 | $10,090,000 | $201,000 | $415,000 | $82,000 | $264,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $340,000 | $170,000 | $265,000 | $101,000 | $101,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 620 | $111,530,000 | $179,000 | $1,005,000 | $111,000 | $574,000 |
| Application Denied By Financial Institution | 103 | $13,115,000 | $127,000 | $395,000 | $95,000 | $356,000 |
| Application Withdrawn By Applicant | 97 | $27,455,000 | $283,000 | $10,005,000 | $100,000 | $1,130,000 |
| Loan Purchased By The Institution | 53 | $13,175,000 | $248,000 | $1,005,000 | $122,000 | $276,000 |
| File Closed For Incompleteness | 28 | $4,540,000 | $162,000 | $445,000 | $124,000 | $358,000 |
| Application Approved But Not Accepted | 22 | $3,940,000 | $179,000 | $465,000 | $101,000 | $162,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 691 | $136,835,000 | $198,000 | $10,005,000 | $109,000 | $574,000 |
| Debt-To-Income Ratio | 158 | $28,150,000 | $178,000 | $805,000 | $106,000 | $1,130,000 |
| Collateral | 24 | $3,600,000 | $150,000 | $375,000 | $102,000 | $356,000 |
| Credit History | 22 | $2,360,000 | $107,000 | $285,000 | $103,000 | $227,000 |
| Credit Application Incomplete | 14 | $1,930,000 | $137,000 | $375,000 | $79,000 | $264,000 |
| Other | 11 | $595,000 | $54,000 | $135,000 | $116,000 | $228,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $230,000 | $115,000 | $115,000 | $68,000 | $103,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $66,000 | $66,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About