Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Winnebago County, Wisconsin
Every institution that decided a 1–4 unit mortgage application in Winnebago County, home to Oshkosh, between 2023 and 2025: 12,412 applications, 10,535 loans actually funded, across 8 kinds of borrowing.
Winnebago County at a glance
12,412Applications decided
2023–2025
10,535Loans funded
85% of decisions
45Census tracts
10 ZIP codes
171,357People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Lending by loan type in Winnebago County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 92.4% | 6,010 | $225K | 97% | 263 |
| Home improvement loans | 84.4% | 1,697 | $55K | 96% | 66 |
| Cash-out refinance | 76.7% | 2,041 | $105K | 96% | 129 |
| Refinance | 86.8% | 1,684 | $105K | 95% | 130 |
| Investment property purchase | 94.2% | 654 | $165K | 98% | 135 |
| Investment cash-out refinance | 78.1% | 137 | $155K | 96% | 39 |
| Investment refinance | 93.3% | 134 | $135K | 95% | 54 |
| Investment home improvement | 74.6% | 55 | $105K | 93% | 28 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.