Lender in Wisconsin · HMDA 2025
Rate mortgages in Wisconsin
Rate's 2025 home-purchase and refinance lending in Wisconsin, compared with all lenders in the state.
Rate originated 975 owner-occupied single-family loans in Wisconsin from 1,024 completed applications, making it the state's #21 lender by volume.
Its median conventional purchase loan costs were $3,970 versus $3,230 for all Wisconsin lenders, at a median 30-year fixed rate of 6.525% (Wisconsin: 6.625%).
Loans in WI
975
of 1,024 applications
Denial rate
3.1%
Purchase · WI 6.2%
Rate spread
+0.16 pts
Conv. · WI +0.12 pts
Loan amount
$315,000
Purchase · WI $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 856 | 827 | 3.1% | 6.525% | +0.16 pts | $3,970 | $315,000 |
| Refinance | 115 | 108 | 5.2% | 6.450% | +0.10 pts | $3,350 | $335,000 |
| Cash-out refinance | 53 | 40 | 24.5% | — | +0.39 pts | $3,800 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Wisconsin counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Marinette County | 1 | 56 | 9.9% |
| Walworth County | 3 | 55 | 4.0% |
| Pierce County | 3 | 31 | 5.4% |
| St. Croix County | 8 | 63 | 3.9% |
| Oconto County | 9 | 20 | 3.5% |
| Dunn County | 9 | 11 | 2.3% |
| Dane County | 11 | 161 | 2.1% |
| Polk County | 12 | 16 | 2.2% |
| Iron County | 12 | 2 | 2.9% |
| Brown County | 13 | 84 | 2.2% |
| Eau Claire County | 13 | 22 | 1.7% |
| Kenosha County | 17 | 27 | 1.3% |
| Washburn County | 17 | 3 | 1.7% |
| Kewaunee County | 18 | 4 | 1.3% |
| Manitowoc County | 19 | 16 | 1.3% |
| Burnett County | 20 | 3 | 1.4% |
| Oneida County | 21 | 4 | 1.0% |
| Waukesha County | 22 | 81 | 1.3% |
| Chippewa County | 23 | 8 | 1.0% |
| Rusk County | 23 | 2 | 1.2% |
| Milwaukee County | 24 | 112 | 1.1% |
| Buffalo County | 24 | 2 | 1.3% |
| Racine County | 25 | 30 | 1.1% |
| Douglas County | 25 | 6 | 1.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology