Lenders › Guaranteed Rate, Inc. › Wisconsin
Guaranteed Rate, Inc. 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.
In Wisconsin, Guaranteed Rate, Inc. reported 1,251 applications and 854 originations for 2024, $241m in all.
Its denial rate in the state was 8.6%, below the Wisconsin rate of 17.1% across all lenders and compared with the lender's national rate of 9.0%.
The median rate spread on its Wisconsin originations was 0.3 percentage points (state median 0.2).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Wisconsin | Wisconsin, all lenders | Guaranteed Rate, Inc., all states | United States |
|---|---|---|---|---|
| Denial rate | 8.6% | 17.1% | 9.0% | 24.3% |
| Median rate spread, pp | 0.3 | 0.2 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.1% | 11.0% | 6.7% | 15.6% |
| Average originated loan | $282k | $223k | $392k | $329k |
| Home purchase share | 82.0% | 46.3% | 83.4% | 57.0% |
| FHA-insured share | 10.2% | 5.6% | 14.3% | 13.4% |
| VA-guaranteed share | 12.6% | 4.3% | 9.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateWisconsin, all lenders
Loan purpose and loan type in Wisconsin
By purpose
Home purchase 82% (700)Home improvement 1% (8)Refinancing 9% (76)Cash-out refinancing 4% (38)Other purpose 4% (32)
By type
Conventional 76% (652)FHA 10% (87)VA 13% (108)USDA 1% (7)
Denial reasons as coded
Share of 83 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 | 154 | 95 | $23m | 11.7% |
| Walworth County | 120 | 84 | $31m | 4.4% |
| Waukesha County | 108 | 80 | $30m | 4.4% |
| Brown County | 96 | 67 | $17m | 9.2% |
| Outagamie County | 76 | 54 | $14m | 5.2% |
| Marinette County | 55 | 46 | $7.7m | 4.1% |
| Racine County | 62 | 40 | $10m | 8.9% |
| Kenosha County | 59 | 40 | $11m | 6.8% |
| Winnebago County | 43 | 36 | $10.0m | 5.3% |
| Dane County | 50 | 31 | $13m | 6.1% |
| Oconto County | 30 | 19 | $5.3m | — |
| Manitowoc County | 28 | 19 | $4.1m | — |
| Eau Claire County | 29 | 17 | $3.9m | — |
| Washington County | 27 | 15 | $4.1m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Guaranteed Rate, Inc. originate in Wisconsin in 2024?
854 loans totalling $241m, from 1,251 applications reported for properties in Wisconsin.
What is Guaranteed Rate, Inc.'s denial rate in Wisconsin?
8.6% of decided applications in Wisconsin were denied, against 17.1% for all lenders in the state and 9.0% 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 Guaranteed Rate, Inc. lend in most?
By originations: Milwaukee County (95), Walworth County (84), Waukesha County (80), Brown County (67), Outagamie County (54).
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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.