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Waukesha 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 15,533 mortgage applications in Waukesha County, Wisconsin, for 2024, and originated 10,989 loans worth $3.2bn.
That is 65.2 originations per 1,000 households, against 55.4 for Wisconsin and 48.0 nationally.
The county's denial rate was 15.1%, below the state rate of 17.1%. The median rate spread on originated loans was 0.1 percentage points and 8.8% of originations were 1.5 points or more above the average prime offer rate.
76 lenders reached 25 applications in the county; the most active by originations were Landmark Credit Union (1,793), Summit Credit Union (1,129) and Uw Credit Union (767).
Originations were about level with 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 76. Denial rate is denials over decided applications in this county.
Compared with Wisconsin and the nation
| Measure | This county | Wisconsin | United States |
|---|---|---|---|
| Denial rate | 15.1% | 17.1% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.8% | 11.0% | 15.6% |
| Average originated loan | $291k | $223k | $329k |
| Originations per 1,000 households | 65.2 | 55.4 | 48.0 |
| Home purchase share of originations | 40.7% | 46.3% | 57.0% |
| FHA-insured share | 3.1% | 5.6% | 13.4% |
| VA-guaranteed share | 2.8% | 4.3% | 7.9% |
Rate spread distribution
Share of 9,963 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 41% (4,470)Home improvement 16% (1,737)Refinancing 18% (1,942)Cash-out refinancing 14% (1,486)Other purpose 12% (1,336)
By type
Conventional 94% (10,339)FHA 3% (342)VA 3% (307)USDA 0% (1)
Trend by year
ApplicationsOriginations
This countyWisconsin
Questions and answers
Which lenders are most active in Waukesha County, WI?
By 2024 originations: Landmark Credit Union (1,793), Summit Credit Union (1,129), Uw Credit Union (767), Waukesha State Bank (471), Associated Bank NA (390). 76 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Waukesha County?
15.1% of decided applications were denied in 2024, against 17.1% across Wisconsin and 24.3% nationally.
How many mortgages were originated in Waukesha County in 2024?
10,989 loans totalling $3.2bn, from 15,533 applications; 65.2 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 55133; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.