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Mortgage Research Center in Wisconsin
HMDA record for properties in Wisconsin, calendar year 2024. National record · Wisconsin overview
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.
Mortgage Research Center's 2024 HMDA record for Wisconsin covers 2,456 applications, 1,426 of them originated, worth $398m.
Its denial rate in the state was 20.8%, above the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Wisconsin originations was -0.0 percentage points (state median 0.2).
Applications in the state were up 28% on 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 20.8% | 17.1% | 24.0% | 24.3% |
| Median rate spread, pp | -0.0 | 0.2 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.4% | 11.0% | 0.8% | 15.6% |
| Average originated loan | $279k | $223k | $315k | $329k |
| Home purchase share | 78.8% | 46.3% | 81.8% | 57.0% |
| FHA-insured share | 4.3% | 5.6% | 2.9% | 13.4% |
| VA-guaranteed share | 89.4% | 4.3% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 79% (1,123)Refinancing 16% (232)Cash-out refinancing 5% (71)
By type
Conventional 6% (86)FHA 4% (62)VA 89% (1,275)USDA 0% (3)
Denial reasons as coded
Share of 377 denials in Wisconsin by first denial reason coded (outlined bar: all lenders in the state).
Counties in Wisconsin
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 282 | 153 | $37m | 25.1% |
| Rock County | 111 | 72 | $20m | 19.1% |
| Racine County | 114 | 67 | $19m | 22.1% |
| Winnebago County | 100 | 63 | $17m | 16.0% |
| Brown County | 84 | 57 | $17m | 13.6% |
| Kenosha County | 97 | 56 | $16m | 17.6% |
| Marathon County | 76 | 46 | $12m | 20.7% |
| Outagamie County | 69 | 45 | $15m | 16.7% |
| Manitowoc County | 60 | 37 | $9.2m | 17.8% |
| Monroe County | 53 | 37 | $9.7m | 14.0% |
| Dane County | 72 | 33 | $12m | 26.1% |
| Dodge County | 53 | 33 | $9.7m | 26.7% |
| Fond du Lac County | 53 | 32 | $8.6m | 21.4% |
| La Crosse County | 46 | 32 | $10m | 8.3% |
| Waukesha County | 74 | 31 | $12m | 31.9% |
| Wood County | 59 | 31 | $6.8m | 26.2% |
| Washington County | 49 | 29 | $11m | 17.1% |
| Waupaca County | 39 | 26 | $6.3m | 21.2% |
| Sheboygan County | 38 | 25 | $7.4m | 18.8% |
| Walworth County | 37 | 24 | $8.7m | 20.0% |
| Columbia County | 36 | 23 | $6.6m | 20.0% |
| Douglas County | 41 | 22 | $5.3m | 26.7% |
| Eau Claire County | 36 | 22 | $6.1m | 18.5% |
| Calumet County | 29 | 22 | $6.2m | — |
| Jefferson County | 38 | 20 | $6.6m | — |
| Chippewa County | 43 | 18 | $5.6m | 26.9% |
| St. Croix County | 30 | 18 | $5.9m | — |
| Grant County | 29 | 18 | $5.1m | — |
| Sauk County | 32 | 17 | $5.4m | — |
| Ozaukee County | 28 | 16 | $5.7m | — |
| Lincoln County | 25 | 11 | $2.7m | — |
| Marinette County | 32 | 9 | $2.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Wisconsin in 2024?
1,426 loans totalling $398m, from 2,456 applications reported for properties in Wisconsin.
What is Mortgage Research Center's denial rate in Wisconsin?
20.8% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 24.0% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Wisconsin counties does Mortgage Research Center lend in most?
By originations: Milwaukee County (153), Rock County (72), Racine County (67), Winnebago County (63), Brown County (57).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Wisconsin. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.