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MARKET BENCHMARKS · HMDA PUBLIC DATA

Wisconsin mortgage market benchmarks

Wisconsin origination trends 2018–2025 from HMDA public data: volume, denial rates, and purchase vs refinance mix. Free and open — no account required.

Originations 2025

154,669

+12.6% vs 2024

2024: 137,301

Volume 2025

$38.40B

originated $
2024: $30.68B

Denial rate 2025

14.0%

denied / actioned
2024: 14.8% denied / actioned

Reporting lenders 2025

950

HMDA reporters
2024: 924 reporters

Origination volume by year

Dollar volume of originated loans

$ VOLUME · HOVER FOR UNITS
$0$25B$50B$75B$100B20182019202020212022202320242025$38.40B

Loan purpose mix

Share of 2025 originations

Denial rate by year

Denials / actioned applications (CFPB convention)

0.0%8.5%17.0%2018201920202021202220232024202514.0%

Wisconsin market by year

YEARLENDERSAPPLICATIONSORIGINATIONSVOLUMEDENIALPURCHASEREFI
2025950228,988154,669$38.40B2025 origination volume154,669 loans originated14.0%2025 denial rate228,988 applications actioned43.2%47.3%
2024924202,293137,301$30.68B2024 origination volume137,301 loans originated14.8%2024 denial rate202,293 applications actioned46.3%41.6%
2023928186,183128,070$26.52B2023 origination volume128,070 loans originated14.1%2023 denial rate186,183 applications actioned46.9%35.3%
2022959251,339174,308$38.13B2022 origination volume174,308 loans originated12.7%2022 denial rate251,339 applications actioned44.3%49.2%
2021946419,943303,941$63.34B2021 origination volume303,941 loans originated9.8%2021 denial rate419,943 applications actioned30.5%79.6%
2020919441,034319,139$65.30B2020 origination volume319,139 loans originated9.7%2020 denial rate441,034 applications actioned28.1%80.1%
2019933283,285200,245$37.17B2019 origination volume200,245 loans originated12.8%2019 denial rate283,285 applications actioned41.3%58.8%
2018908235,697164,333$27.57B2018 origination volume164,333 loans originated14.7%2018 denial rate235,697 applications actioned49.7%45.0%

Attribution & methodology. Benchmarks are computed by MortRadar from Home Mortgage Disclosure Act (HMDA) public data files published by the Consumer Financial Protection Bureau (CFPB) and the Federal Financial Institutions Examination Council (FFIEC), covering activity years 2018–2025. Originations = loans originated (action taken 1); denial rate = denials / actioned applications (CFPB Data Browser convention); loan amounts are the public files' midpoint-rounded values. MortRadar's aggregations are derived works and are not published, reviewed, or endorsed by the CFPB, FFIEC, or any government agency. See data attribution and the disclaimer.

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