Kenosha, WI Metro Area Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 7,000 mortgage applications in Kenosha, WI metro area totaling $1.5 billion, up 12% from 2024. The average application was for $215,302, and applicants reported an average income of $124,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Educators Credit Union, with 586 applications, followed by Johnson Bank and JPMorgan Chase Bank, NA.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Wisconsin.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| Years | 2025 2024 |
| Total Number of Mortgage Applications | 7,000 |
| Total Mortgage Loan Application Amount | $1,507,120,000 |
| Average Mortgage Loan Application Amount | $215,302 |
| Highest Mortgage Loan Application Amount | $27,505,000 |
| Average Applicant Income | $124,000 |
| Highest Applicant Income | $5,044,000 |
Top Mortgage Lenders in Kenosha, WI Metro Area (2025)
Ranked by the number of mortgage applications each lender reported in Kenosha, WI metro area in 2025.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Educators Credit Union Mount Pleasant, WI |
586 | $67,770,000 | $115,000 | $133,000 |
| 2 | Johnson Bank Racine, WI |
309 | $81,425,000 | $263,000 | $180,000 |
| 3 | JPMorgan Chase Bank, NA Columbus, OH |
288 | $62,340,000 | $216,000 | $140,000 |
| 4 | Trustone Financial Credit Union Plymouth, MN |
270 | $29,020,000 | $107,000 | $98,000 |
| 5 | American Pacific Mortgage Corporation Roseville, CA |
226 | $63,060,000 | $279,000 | $114,000 |
| 6 | Gateway Mortgage Corporation Kenosha, WI |
213 | $63,005,000 | $295,000 | $124,000 |
| 7 | PennyMac Loan Services LLC Westlake Village, CA |
193 | $51,835,000 | $268,000 | $89,000 |
| 8 | BMO Harris Bank NA Chicago, IL |
184 | $27,080,000 | $147,000 | $123,000 |
| 9 | US Bank, N.A. Cincinnati, OH |
163 | $24,665,000 | $151,000 | $119,000 |
| 10 | Associated Bank NA Green Bay, WI |
161 | $29,475,000 | $183,000 | $128,000 |
The tables below break down 2025 mortgage applications in Kenosha, WI metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Kenosha, WI in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,543 | $751,525,000 | $295,000 | $9,835,000 | $131,000 | $2,489,000 |
| Cash-out Refinancing | 1,426 | $279,230,000 | $195,000 | $6,395,000 | $107,000 | $795,000 |
| Other Purpose | 1,182 | $101,950,000 | $86,000 | $2,005,000 | $127,000 | $5,044,000 |
| Refinancing | 1,069 | $301,255,000 | $281,000 | $27,505,000 | $123,000 | $2,093,000 |
| Home Improvement | 770 | $71,100,000 | $92,000 | $625,000 | $131,000 | $4,441,000 |
| Not Applicable | 10 | $2,060,000 | $206,000 | $435,000 | $132,000 | $150,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 4,644 | $911,800,000 | $196,000 | $3,365,000 | $127,000 | $5,044,000 |
| Hispanic | 686 | $123,830,000 | $180,000 | $695,000 | $101,000 | $1,043,000 |
| Not Provided | 672 | $147,000,000 | $218,000 | $1,615,000 | $123,000 | $2,378,000 |
| Not applicable | 624 | $244,450,000 | $391,000 | $27,505,000 | $132,000 | $337,000 |
| Black or African American | 196 | $40,150,000 | $204,000 | $805,000 | $106,000 | $573,000 |
| Asian | 139 | $32,125,000 | $231,000 | $965,000 | $170,000 | $2,006,000 |
| American Indian or Alaskan Native | 33 | $7,015,000 | $212,000 | $615,000 | $94,000 | $318,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $750,000 | $125,000 | $185,000 | $126,000 | $160,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 5,697 | $1,135,495,000 | $199,000 | $27,505,000 | $129,000 | $5,044,000 |
| FHA-insured (Federal Housing Administration) | 755 | $188,965,000 | $250,000 | $545,000 | $89,000 | $543,000 |
| VA-guaranteed (Veterans Administration) | 542 | $181,510,000 | $334,000 | $1,305,000 | $107,000 | $400,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $1,150,000 | $191,000 | $245,000 | $76,000 | $104,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,043 | $933,925,000 | $230,000 | $27,505,000 | $130,000 | $4,441,000 |
| Application Denied By Financial Institution | 1,180 | $170,690,000 | $144,000 | $1,305,000 | $107,000 | $5,044,000 |
| Application Withdrawn By Applicant | 727 | $168,495,000 | $231,000 | $3,095,000 | $125,000 | $2,044,000 |
| Loan Purchased By The Institution | 563 | $143,285,000 | $254,000 | $1,995,000 | $127,000 | $361,000 |
| File Closed For Incompleteness | 238 | $43,270,000 | $181,000 | $605,000 | $108,000 | $778,000 |
| Application Approved But Not Accepted | 225 | $40,655,000 | $180,000 | $965,000 | $130,000 | $1,562,000 |
| Preapproval Approved but not Accepted | 20 | $5,740,000 | $287,000 | $605,000 | $117,000 | $268,000 |
| Preapproval Denied by Financial Institution | 4 | $1,060,000 | $265,000 | $365,000 | $69,000 | $100,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 5,691 | $1,303,195,000 | $228,000 | $27,505,000 | $128,000 | $4,441,000 |
| Debt-To-Income Ratio | 528 | $89,970,000 | $170,000 | $5,355,000 | $96,000 | $2,044,000 |
| Credit History | 331 | $38,555,000 | $116,000 | $1,305,000 | $109,000 | $2,378,000 |
| Credit Application Incomplete | 163 | $23,505,000 | $144,000 | $595,000 | $162,000 | $5,044,000 |
| Collateral | 137 | $28,415,000 | $207,000 | $885,000 | $129,000 | $728,000 |
| Other | 76 | $8,600,000 | $113,000 | $565,000 | $97,000 | $404,000 |
| Unverifiable Information | 41 | $7,315,000 | $178,000 | $545,000 | $121,000 | $851,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $6,500,000 | $270,000 | $785,000 | $83,000 | $224,000 |
| Employment History | 8 | $890,000 | $111,000 | $315,000 | $99,000 | $422,000 |
| Mortgage Insurance Denied | 1 | $175,000 | $175,000 | $175,000 | $94,000 | $94,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About