Name of the lender

Educated Mortgage Services LLC in WisconsinMortgage rates, total loan costs and denial rate for homes in Wisconsin, 2025

HMDA year2025

Head office: Madison, WI
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Educated Mortgage Services LLC reported 278 applications for homes in Wisconsin in the HMDA data of 2025.

It originated 222 loans in the state in 2025, for $69.8 million in total.

The lender filed the interest rate as “Exempt” for all of its 222 loans originated in the state in 2025. This page shows no median interest rate.

This page shows no median total loan costs for Wisconsin, because fewer than 20 loans report the amount.

It denied 5.1% of the applications that it decided in the state in 2025, and the state denial rate was 16.4%.

Filed figures of Educated Mortgage Services LLC in Wisconsin, 2025
Figure	In WI	Lender, all states	WI, all lenders
Applications	278	455	226,965
Loans originated	222	231	154,669
Median interest rate	n/a	n/a	6.500%
Median total loan costs	n/a	n/a	$3,342
Denial rate	5.1%	8.3%	16.4%

HMDA data are generally not used alone 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.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in WI

Median interest rate in WIExempt

The lender filed the interest rate as “Exempt” for all of its 222 loans originated in 2025.

A lender with a partial exemption can file “Exempt” in place of the interest rate, the total loan costs and some other fields. The glossary has the rule.

If a financial institution is eligible for a partial exemption for a specific transaction, then the financial institution is not required to collect, record, or report certain data points for the transaction.
Source: CFPB, A Beginner’s Guide to Accessing and Using Home Mortgage Disclosure Act Data (June 2022), copied on 2 Oct 2026.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

Action taken and loan types

Records in Wisconsin by the action taken
Action taken	Records	Share
1Loan originated	222	79.9%
2Application approved but not accepted	0	0.0%
3Application denied	12	4.3%
4Application withdrawn by applicant	44	15.8%
5File closed for incompleteness	0	0.0%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in Wisconsin by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	220	187	2.1%
FHA-insured	45	23	25.8%
VA-guaranteed	13	12	n/a

Counties in Wisconsin

Counties of Educated Mortgage Services LLC in Wisconsin with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Dane County	112	89	$33.3 million	3.3%
Rock County	42	34	$8.1 million	5.6%

Figures by year

Educated Mortgage Services LLC in Wisconsin by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	278	222	$69.8 million	n/a	n/a	5.1%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Educated Mortgage Services LLC in Wisconsin, 2025", https://lenderregister.com/lender/254900b0p7zwm2sqvj36-educated-mortgage-services-llc/wi/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Wisconsin. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of Educated Mortgage Services LLC were in Wisconsin in 2025?: 222 of its loans originated, out of 231 in all states. That is 96.1%.
In which counties of Wisconsin did Educated Mortgage Services LLC originate the most loans in 2025?: The three with the most loans were Dane County (89) and Rock County (34).
Which loan types did Educated Mortgage Services LLC originate in Wisconsin in 2025?: 187 conventional, 23 FHA and 12 VA.
What share of the applications in Wisconsin did Educated Mortgage Services LLC report in 2025?: 0.1%: 278 out of 226,965 applications of all lenders in the state.