Mortgage Approval and Denial Rates in Wisconsin (2025 HMDA)

Mortgage denial rates in Wisconsin: lenders acted on 225,687 mortgage applications in Wisconsin in 2025 and denied 13.9% of them, down from 14.7% in 2024. The national denial rate was 17.7%.

Applications acted on

225,687

Loans originated

154,296

Denial rate

13.9%

Median loan

$175,000

Wisconsin against the national picture

Wisconsin denial rate13.9%
National denial rate17.7%
Wisconsin, 202414.7%

Most-reported denial reason in Wisconsin: Debt-to-income ratio.

Counties ranked by denial rate

CountyApplicationsDenial rateMedian loan
Ashland County55120.1%$125,000
Price County54319.9%$135,000
Milwaukee County31,92019.4%$155,000
Pepin County25218.7%$165,000
Marquette County85318.6%$125,000
Kenosha County6,41318.4%$175,000
Rusk County53118.1%$135,000
Menominee County12317.9%$215,000
Waushara County1,17317.6%$145,000
Iowa County85217.6%$175,000
Bayfield County69017.4%$175,000
Racine County8,44517.1%$155,000
Barron County1,84017.1%$145,000
Adams County1,24416.9%$145,000
Juneau County1,06516.8%$155,000
Iron County24016.7%$145,000
Wood County2,31016.6%$135,000
Washburn County67716.4%$155,000
Marinette County1,79316.1%$135,000
Walworth County4,57816.0%$215,000
Crawford County47715.7%$145,000
Lincoln County1,07815.5%$135,000
Green Lake County77715.3%$175,000
Trempealeau County82315.2%$165,000
Taylor County57815.2%$145,000
Rock County7,47915.1%$145,000
Dodge County3,66515.0%$155,000
Polk County2,15215.0%$185,000
Sauk County2,62914.9%$165,000
Burnett County80514.9%$195,000
Forest County48314.7%$105,000
Douglas County1,75014.6%$155,000
Sawyer County80714.6%$185,000
Fond du Lac County3,93014.3%$155,000
Oneida County1,64814.3%$165,000
Jefferson County3,20514.1%$185,000
Portage County2,00414.1%$155,000
Clark County99014.1%$140,000
Jackson County67214.1%$145,000
Monroe County1,59814.0%$175,000
Dunn County1,53513.9%$165,000
Columbia County2,93413.8%$155,000
Waupaca County2,17113.8%$135,000
Pierce County1,48113.8%$205,000
Green County1,41313.8%$155,000
Grant County1,40913.6%$125,000
Richland County45613.6%$145,000
Vilas County1,28913.5%$215,000
Manitowoc County3,22413.2%$135,000
Florence County15113.2%$125,000
St. Croix County4,03513.0%$225,000
Eau Claire County3,61313.0%$175,000
Washington County5,76812.8%$205,000
Chippewa County2,27412.8%$175,000
Ozaukee County3,59512.0%$245,000
Vernon County86711.9%$145,000
Marathon County4,89611.8%$145,000
Lafayette County45911.8%$135,000
Buffalo County40811.8%$155,000
Waukesha County17,75511.6%$245,000
Sheboygan County4,19811.6%$165,000
Oconto County1,87411.5%$145,000
Langlade County96411.5%$105,000
Shawano County1,63111.0%$125,000
Door County1,47510.8%$225,000
Kewaunee County80410.7%$165,000
Winnebago County6,34910.6%$165,000
Brown County9,84410.3%$185,000
Dane County21,8329.9%$225,000
La Crosse County3,8439.2%$185,000
Calumet County2,0958.6%$195,000
Outagamie County7,4028.3%$185,000

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Editorial disclosure — Some companies listed here are commercial brands. We select them editorially from public regulatory data and are never paid for placement or ranking. Read our full disclosure.

Reading these numbers

The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.

Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.