Kenosha, WI Metro Area Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 6,247 mortgage applications in Kenosha, WI metro area totaling $1.4 billion. The average application was for $219,352, and applicants reported an average income of $122,000. 58% of applications resulted in an originated loan and 18% were denied. The most active lender was Educators Credit Union, with 578 applications, followed by Trustone Financial Credit Union and Johnson Bank.
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| Years | 2025 2024 |
| Total Number of Mortgage Applications | 6,247 |
| Total Mortgage Loan Application Amount | $1,370,295,000 |
| Average Mortgage Loan Application Amount | $219,352 |
| Highest Mortgage Loan Application Amount | $52,005,000 |
| Average Applicant Income | $122,000 |
| Highest Applicant Income | $5,800,000 |
Top Mortgage Lenders in Kenosha, WI Metro Area (2024)
Ranked by the number of mortgage applications each lender reported in Kenosha, WI metro area in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Educators Credit Union Mount Pleasant, WI |
578 | $64,990,000 | $112,000 | $150,000 |
| 2 | Trustone Financial Credit Union Plymouth, MN |
298 | $31,890,000 | $107,000 | $98,000 |
| 3 | Johnson Bank Racine, WI |
296 | $79,430,000 | $268,000 | $181,000 |
| 4 | Gateway Mortgage Corporation Kenosha, WI |
204 | $53,640,000 | $262,000 | $124,000 |
| 5 | BMO Harris Bank NA Chicago, IL |
194 | $25,540,000 | $131,000 | $102,000 |
| 6 | US Bank, N.A. Cincinnati, OH |
172 | $29,290,000 | $170,000 | $142,000 |
| 7 | Associated Bank NA Green Bay, WI |
168 | $28,970,000 | $172,000 | $126,000 |
| 8 | American Pacific Mortgage Corporation Roseville, CA |
165 | $43,465,000 | $263,000 | $99,000 |
| 9 | Fairway Independent Mort Corp Madison, WI |
155 | $37,685,000 | $243,000 | $99,000 |
| 10 | Discover Bank Greenwood, DE |
140 | $10,890,000 | $77,000 | $130,000 |
The tables below break down 2024 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 2024
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 | 2,601 | $739,615,000 | $284,000 | $33,905,000 | $124,000 | $2,188,000 |
| Other Purpose | 1,148 | $86,270,000 | $75,000 | $1,255,000 | $139,000 | $5,800,000 |
| Cash-out Refinancing | 1,085 | $241,075,000 | $222,000 | $41,095,000 | $101,000 | $588,000 |
| Refinancing | 718 | $245,610,000 | $342,000 | $52,005,000 | $115,000 | $857,000 |
| Home Improvement | 692 | $57,440,000 | $83,000 | $1,005,000 | $121,000 | $1,528,000 |
| Not Applicable | 3 | $285,000 | $95,000 | $175,000 | $0 | $0 |
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 | 4,236 | $782,680,000 | $184,000 | $3,185,000 | $124,000 | $3,591,000 |
| Hispanic | 630 | $111,290,000 | $176,000 | $1,445,000 | $99,000 | $2,100,000 |
| Not Provided | 587 | $115,035,000 | $195,000 | $2,505,000 | $117,000 | $1,146,000 |
| Not applicable | 427 | $289,755,000 | $678,000 | $52,005,000 | $178,000 | $532,000 |
| Black or African American | 201 | $37,565,000 | $186,000 | $985,000 | $147,000 | $5,800,000 |
| Asian | 126 | $28,060,000 | $222,000 | $1,005,000 | $149,000 | $1,528,000 |
| American Indian or Alaskan Native | 34 | $4,930,000 | $145,000 | $465,000 | $101,000 | $310,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $980,000 | $163,000 | $385,000 | $84,000 | $175,000 |
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) | 5,129 | $1,071,245,000 | $208,000 | $52,005,000 | $126,000 | $5,800,000 |
| FHA-insured (Federal Housing Administration) | 674 | $157,830,000 | $234,000 | $505,000 | $85,000 | $271,000 |
| VA-guaranteed (Veterans Administration) | 441 | $140,735,000 | $319,000 | $805,000 | $110,000 | $449,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $485,000 | $161,000 | $235,000 | $81,000 | $85,000 |
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 | 3,641 | $899,155,000 | $246,000 | $52,005,000 | $128,000 | $5,800,000 |
| Application Denied By Financial Institution | 1,143 | $150,995,000 | $132,000 | $3,185,000 | $106,000 | $2,860,000 |
| Application Withdrawn By Applicant | 631 | $137,655,000 | $218,000 | $1,005,000 | $115,000 | $1,423,000 |
| Loan Purchased By The Institution | 383 | $101,565,000 | $265,000 | $845,000 | $126,000 | $532,000 |
| File Closed For Incompleteness | 238 | $40,210,000 | $168,000 | $2,505,000 | $124,000 | $2,470,000 |
| Application Approved But Not Accepted | 186 | $35,370,000 | $190,000 | $3,475,000 | $121,000 | $1,758,000 |
| Preapproval Approved but not Accepted | 19 | $4,165,000 | $219,000 | $505,000 | $106,000 | $229,000 |
| Preapproval Denied by Financial Institution | 6 | $1,180,000 | $196,000 | $315,000 | $110,000 | $178,000 |
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 | 5,044 | $1,208,360,000 | $239,000 | $52,005,000 | $126,000 | $5,800,000 |
| Debt-To-Income Ratio | 428 | $64,700,000 | $151,000 | $3,185,000 | $82,000 | $714,000 |
| Credit History | 325 | $32,855,000 | $101,000 | $645,000 | $108,000 | $2,570,000 |
| Credit Application Incomplete | 198 | $22,710,000 | $114,000 | $795,000 | $150,000 | $2,860,000 |
| Collateral | 139 | $19,245,000 | $138,000 | $845,000 | $121,000 | $1,528,000 |
| Other | 56 | $8,840,000 | $157,000 | $585,000 | $99,000 | $857,000 |
| Unverifiable Information | 30 | $4,510,000 | $150,000 | $645,000 | $95,000 | $337,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $7,530,000 | $376,000 | $2,505,000 | $142,000 | $786,000 |
| Employment History | 7 | $1,545,000 | $220,000 | $525,000 | $88,000 | $220,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
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.
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