States › Wisconsin
Wisconsin mortgage lending
Every HMDA reporter's applications, originations and denial rate for properties in Wisconsin, with all 72 counties.
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. Record year 2024.
Wisconsin had 201,342 HMDA-reported mortgage applications and 137,362 originations ($31bn) in 2024, from 394 lenders with at least 25 applications in the state.
The statewide denial rate was 17.1% (national 24.3%) and the median rate spread 0.2 percentage points (national 0.3). Originations ran at 55.4 per 1,000 households, against 48.0 nationally.
Originations in the state went from 164,359 in 2018 to 137,362 in 2024; the denial rate moved from 16.8% to 17.1%.
The most active lenders by originations were Summit Credit Union (9,827), Uw Credit Union (8,334) and Landmark Credit Union (5,858).
Most active lenders in Wisconsin
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Summit Credit Union | 13,112 | 9,827 | $1.5bn | 13.1% | -0.8 |
| 2 | Uw Credit Union | 10,921 | 8,334 | $1.3bn | 13.5% | -0.1 |
| 3 | Landmark Credit Union | 8,387 | 5,858 | $941m | 20.9% | -0.3 |
| 4 | Associated Bank NA | 7,264 | 4,798 | $937m | 26.1% | 0.2 |
| 5 | Rocket Mortgage | 5,669 | 4,296 | $873m | 17.1% | 0.5 |
| 6 | Covantage Credit Union | 4,293 | 3,343 | $435m | 7.5% | 0.0 |
| 7 | BMO Harris Bank NA | 5,577 | 3,095 | $528m | 30.9% | 0.7 |
| 8 | Educators Credit Union | 4,902 | 3,039 | $356m | 29.8% | -0.1 |
| 9 | Johnson Bank | 3,628 | 2,953 | $913m | 9.2% | 0.1 |
| 10 | Fairway Independent Mort Corp | 3,476 | 2,833 | $830m | 4.4% | 0.4 |
| 11 | Us Bank, N.A. | 4,641 | 2,745 | $633m | 30.5% | 0.7 |
| 12 | Community First Credit Union | 3,294 | 2,618 | $598m | 8.0% | -0.2 |
| 13 | Royal Credit Union | 3,415 | 2,516 | $426m | 11.0% | 0.2 |
| 14 | United Wholesale Mortgage | 3,263 | 2,491 | $687m | 11.8% | 0.2 |
| 15 | Fox Communities Credit Union | 2,709 | 2,223 | $321m | 5.1% | 0.2 |
| 16 | Nicolet National Bank | 2,522 | 2,192 | $555m | 4.8% | 0.4 |
| 17 | Guild Mortgage Company | 2,700 | 2,144 | $542m | 4.3% | 0.4 |
| 18 | Capital Credit Union | 2,534 | 1,715 | $239m | 8.9% | 0.3 |
| 19 | Bank First N.A. | 1,946 | 1,640 | $301m | 7.1% | 0.1 |
| 20 | Mortgage Research Center | 2,456 | 1,426 | $398m | 20.8% | -0.0 |
| 21 | Altra Federal Credit Union | 1,571 | 1,288 | $248m | 6.8% | 0.2 |
| 22 | Barrington Bank & Trust Company, N.A. | 1,524 | 1,242 | $406m | 3.8% | 0.2 |
| 23 | Westconsin Credit Union | 1,868 | 1,167 | $151m | 20.9% | 0.7 |
| 24 | Crosscountry Mortgage, LLC | 1,592 | 1,142 | $305m | 2.5% | 0.5 |
| 25 | Bank Five Nine | 1,409 | 1,139 | $318m | 3.9% | 0.2 |
| 26 | Newrez LLC | 2,171 | 1,124 | $309m | 23.1% | 0.4 |
| 27 | JPMorgan Chase Bank, NA | 1,560 | 1,020 | $309m | 14.1% | 0.1 |
| 28 | Bell Bank | 1,171 | 921 | $289m | 8.3% | 0.3 |
| 29 | North Shore Bank | 1,479 | 899 | $230m | 34.2% | -2.3 |
| 30 | First Colony Mortgage Corporation | 1,114 | 860 | $235m | 3.5% | 0.3 |
| 31 | Guaranteed Rate, Inc. | 1,251 | 854 | $241m | 8.6% | 0.3 |
| 32 | Pennymac Loan Services LLC | 1,595 | 849 | $200m | 17.2% | 0.3 |
| 33 | Thompson Kane & Company, Inc | 898 | 815 | $287m | 1.3% | 0.3 |
| 34 | Ixonia Bank | 1,052 | 807 | $214m | 4.0% | 0.6 |
| 35 | Loandepot.com, LLC | 1,484 | 794 | $158m | 32.6% | 0.7 |
| 36 | Marine Credit Union | 2,155 | 762 | $90m | 45.4% | 2.5 |
| 37 | National Exchange Bank & Trust | 958 | 760 | $135m | 9.6% | 0.7 |
| 38 | Prosperity Home Mortgage, LLC | 963 | 757 | $215m | 9.2% | 0.2 |
| 39 | Old National Bank | 1,127 | 742 | $289m | 25.5% | -0.3 |
| 40 | Freedom Mortgage Corporation | 1,515 | 732 | $188m | 17.9% | 0.3 |
| 41 | Waukesha State Bank | 889 | 712 | $228m | 9.0% | 0.2 |
| 42 | Nations Lending Corporation | 801 | 694 | $176m | 3.4% | 0.4 |
| 43 | Lake Ridge Bank | 866 | 672 | $174m | 8.3% | -2.2 |
| 44 | Verve, A Credit Union | 934 | 658 | $129m | 14.0% | 0.2 |
| 45 | Trustone Financial Credit Union | 964 | 622 | $98m | 21.9% | 0.2 |
| 46 | Blackhawk Community Credit Uni | 776 | 618 | $58m | 10.8% | 0.4 |
| 47 | Nationstar Mortgage | 934 | 593 | $96m | 21.2% | 1.2 |
| 48 | Huntington National Bank | 1,065 | 578 | $167m | 31.6% | 0.5 |
| 49 | A+ Mortgage Services Inc. | 620 | 570 | $197m | 2.2% | 0.4 |
| 50 | Navy Federal Credit Union | 1,097 | 564 | $115m | 27.9% | 0.3 |
| 51 | Wells Fargo Bank NA | 966 | 545 | $165m | 25.1% | 0.1 |
| 52 | Tri City National Bank | 803 | 539 | $117m | 17.2% | -1.7 |
| 53 | American Pacific Mortgage Corporation | 676 | 514 | $132m | 8.9% | 0.6 |
| 54 | Cardinal Financial Company, Li | 608 | 507 | $105m | 6.4% | 0.7 |
| 55 | CMG Mortgage Inc | 729 | 505 | $125m | 6.1% | 0.7 |
| 56 | Kohler Credit Union | 709 | 501 | $75m | 15.2% | 0.4 |
| 57 | Simplicity Credit Union | 648 | 493 | $65m | 9.3% | 0.7 |
| 58 | Compeer Financial | 671 | 477 | $125m | 10.5% | 1.0 |
| 59 | Discover Bank | 2,580 | 464 | $35m | 71.9% | 2.5 |
| 60 | Flagstar Bank NA | 722 | 456 | $104m | 25.7% | 0.5 |
Top 60 of 394 lenders with at least 25 applications in the state, by originations. 234 lenders have 100 or more applications here and link to a state-specific page.
Compared with the nation
| Measure | Wisconsin | United States |
|---|---|---|
| Denial rate | 17.1% | 24.3% |
| Median rate spread, pp | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.0% | 15.6% |
| Average originated loan | $223k | $329k |
| Originations per 1,000 households | 55.4 | 48.0 |
| Home purchase share of originations | 46.3% | 57.0% |
| FHA-insured share | 5.6% | 13.4% |
| VA-guaranteed share | 4.3% | 7.9% |
Trend, 2018–2024
ApplicationsOriginations
WisconsinUnited States
FHA share of originationsVA share
| Year | Applications | Originations | Amount | Denial rate | FHA | VA | Refinance share |
|---|---|---|---|---|---|---|---|
| 2018 | 235,091 | 164,359 | $28bn | 16.8% | 6.2% | 3.9% | 31.4% |
| 2019 | 282,795 | 200,474 | $37bn | 14.7% | 6.1% | 4.8% | 42.9% |
| 2020 | 440,039 | 320,237 | $66bn | 11.4% | 4.5% | 5.0% | 63.2% |
| 2021 | 420,114 | 305,666 | $64bn | 11.6% | 5.2% | 4.6% | 59.4% |
| 2022 | 250,194 | 174,587 | $38bn | 15.0% | 5.3% | 3.3% | 32.8% |
| 2023 | 185,521 | 128,180 | $27bn | 16.5% | 5.6% | 3.1% | 24.3% |
| 2024 | 201,342 | 137,362 | $31bn | 17.1% | 5.6% | 4.3% | 28.5% |
Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).
Loan purpose and loan type, 2024
By purpose
Home purchase 46% (63,592)Home improvement 12% (16,046)Refinancing 15% (21,180)Cash-out refinancing 13% (17,987)Other purpose 13% (18,506)
By type
Conventional 90% (123,356)FHA 6% (7,633)VA 4% (5,925)USDA 0% (448)
Counties
| County | Applications | Originations | Per 1,000 households | Denial rate | Median spread | Lenders |
|---|---|---|---|---|---|---|
| Milwaukee County | 28,921 | 17,577 | 44.8 | 24.2% | 0.3 | 123 |
| Dane County | 19,113 | 14,368 | 57.1 | 11.6% | -0.1 | 66 |
| Waukesha County | 15,533 | 10,989 | 65.2 | 15.1% | 0.1 | 76 |
| Brown County | 8,682 | 6,445 | 58.1 | 12.0% | 0.3 | 51 |
| Outagamie County | 6,816 | 5,064 | 64.6 | 10.7% | 0.2 | 55 |
| Racine County | 7,704 | 4,953 | 61.6 | 21.7% | 0.2 | 51 |
| Rock County | 6,862 | 4,794 | 71.3 | 17.8% | 0.3 | 50 |
| Winnebago County | 5,736 | 4,202 | 57.8 | 12.8% | 0.2 | 48 |
| Kenosha County | 5,848 | 3,644 | 52.9 | 23.0% | 0.4 | 50 |
| Washington County | 5,131 | 3,568 | 62.5 | 15.3% | 0.2 | 49 |
| Marathon County | 4,465 | 3,175 | 54.9 | 13.9% | 0.3 | 35 |
| Sheboygan County | 3,878 | 2,680 | 53.9 | 16.0% | 0.3 | 34 |
| Walworth County | 4,008 | 2,594 | 60.2 | 20.2% | 0.4 | 40 |
| La Crosse County | 3,514 | 2,584 | 50.2 | 12.1% | 0.3 | 30 |
| St. Croix County | 3,512 | 2,439 | 65.0 | 15.0% | 0.4 | 36 |
| Fond du Lac County | 3,487 | 2,363 | 54.6 | 17.7% | 0.4 | 28 |
| Ozaukee County | 3,157 | 2,186 | 57.1 | 14.9% | 0.2 | 26 |
| Eau Claire County | 3,172 | 2,132 | 47.7 | 17.1% | 0.3 | 24 |
| Dodge County | 3,110 | 2,072 | 57.7 | 19.2% | 0.3 | 22 |
| Manitowoc County | 2,924 | 2,005 | 57.0 | 15.5% | 0.3 | 22 |
| Jefferson County | 2,726 | 1,912 | 54.8 | 15.6% | 0.1 | 22 |
| Columbia County | 2,463 | 1,720 | 71.2 | 16.4% | 0.0 | 17 |
| Sauk County | 2,265 | 1,527 | 54.6 | 17.1% | 0.1 | 20 |
| Chippewa County | 2,134 | 1,483 | 54.6 | 15.0% | 0.4 | 17 |
| Wood County | 2,100 | 1,435 | 44.5 | 16.7% | 0.4 | 21 |
| Calumet County | 1,856 | 1,393 | 65.2 | 11.5% | 0.2 | 19 |
| Portage County | 1,862 | 1,298 | 43.7 | 15.2% | 0.2 | 15 |
| Oconto County | 1,746 | 1,248 | 74.2 | 13.6% | 0.3 | 20 |
| Waupaca County | 1,785 | 1,224 | 54.2 | 16.1% | 0.3 | 15 |
| Polk County | 1,777 | 1,162 | 59.5 | 19.6% | 0.5 | 15 |
| Shawano County | 1,563 | 1,108 | 64.2 | 15.3% | 0.3 | 8 |
| Oneida County | 1,581 | 1,064 | 60.8 | 17.8% | 0.3 | 12 |
| Douglas County | 1,475 | 1,021 | 53.3 | 17.5% | 0.3 | 15 |
| Marinette County | 1,545 | 1,021 | 53.6 | 18.3% | 0.4 | 16 |
| Door County | 1,372 | 993 | 66.3 | 15.2% | 0.3 | 9 |
| Barron County | 1,561 | 983 | 49.3 | 21.0% | 0.4 | 11 |
| Green County | 1,209 | 883 | 56.0 | 15.1% | 0.2 | 9 |
| Pierce County | 1,271 | 844 | 53.2 | 18.8% | 0.3 | 11 |
| Monroe County | 1,287 | 843 | 46.1 | 19.3% | 0.4 | 9 |
| Dunn County | 1,285 | 837 | 48.0 | 17.9% | 0.4 | 7 |
| Vilas County | 1,137 | 786 | 70.5 | 14.9% | 0.3 | 12 |
| Grant County | 1,075 | 741 | 37.1 | 17.4% | 0.0 | 8 |
| Lincoln County | 1,041 | 689 | 53.9 | 19.4% | 0.4 | 9 |
| Waushara County | 979 | 667 | 63.0 | 17.9% | 0.3 | 9 |
| Adams County | 1,027 | 648 | 68.1 | 21.1% | 0.4 | 7 |
| Clark County | 919 | 599 | 46.7 | 18.3% | 0.7 | 9 |
| Langlade County | 867 | 579 | 65.2 | 14.6% | 0.4 | 2 |
| Juneau County | 888 | 548 | 50.0 | 23.6% | 0.5 | 7 |
| Trempealeau County | 706 | 523 | 41.7 | 14.3% | 0.4 | 5 |
| Vernon County | 719 | 522 | 42.0 | 12.2% | 0.4 | 4 |
| Kewaunee County | 713 | 514 | 61.5 | 15.8% | 0.3 | 6 |
| Marquette County | 765 | 494 | 70.7 | 20.0% | 0.2 | 6 |
| Iowa County | 725 | 482 | 47.6 | 18.0% | 0.1 | 6 |
| Sawyer County | 717 | 472 | 53.6 | 19.5% | 0.3 | 9 |
| Green Lake County | 678 | 465 | 56.1 | 16.6% | 0.4 | 5 |
| Burnett County | 709 | 434 | 60.4 | 22.6% | 0.5 | 5 |
| Jackson County | 574 | 399 | 48.2 | 16.5% | 0.4 | 3 |
| Bayfield County | 646 | 395 | 53.1 | 22.3% | 0.2 | 8 |
| Washburn County | 616 | 391 | 51.7 | 20.7% | 0.3 | 4 |
| Taylor County | 557 | 372 | 46.2 | 18.0% | 0.5 | 6 |
| Price County | 494 | 330 | 50.5 | 17.4% | 0.3 | 3 |
| Ashland County | 478 | 314 | 46.0 | 21.4% | 0.2 | 4 |
| Forest County | 420 | 298 | 74.4 | 13.4% | 0.3 | 2 |
| Richland County | 432 | 278 | 38.3 | 20.8% | 0.3 | 3 |
| Crawford County | 424 | 276 | 41.2 | 18.5% | 0.4 | 3 |
| Rusk County | 448 | 268 | 42.2 | 21.5% | 0.4 | 4 |
| Lafayette County | 320 | 230 | 34.0 | 16.4% | 0.2 | 2 |
| Buffalo County | 337 | 221 | 38.6 | 16.6% | 0.3 | 2 |
| Iron County | 223 | 136 | 43.7 | 24.9% | 0.4 | 1 |
| Pepin County | 182 | 115 | 37.8 | 20.0% | 0.4 | 0 |
| Florence County | 143 | 100 | 45.5 | 11.9% | 0.3 | 1 |
| Menominee County | 77 | 51 | 36.3 | 21.7% | 0.1 | 0 |
By originations. Lenders: those with at least 25 applications in the county.
VA-guaranteed loans by month
VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Wisconsin originations by year is charted above from HMDA.
Questions and answers
Which mortgage lenders are most active in Wisconsin?
By 2024 originations: Summit Credit Union (9,827), Uw Credit Union (8,334), Landmark Credit Union (5,858), Associated Bank NA (4,798), Rocket Mortgage (4,296). 394 lenders had at least 25 applications in the state.
What is the mortgage denial rate in Wisconsin?
17.1% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
How has mortgage lending in Wisconsin changed since 2018?
Originations went from 164,359 in 2018 to 137,362 in 2024; the denial rate moved from 16.8% to 17.1%.
Where does this data come from?
From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.