Educated Mortgage Services LLC Mortgage Lending & HMDA Data, 2025
In 2025, Educated Mortgage Services LLC of Madison, WI reported 457 mortgage applications totaling $144.0 million. The average application was for $315,043, and applicants reported an average income of $132,938. 51% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Madison, WI (148), Janesville-Beloit, WI (42) and Chicago-Naperville, IL (9) (applications in parentheses).
| Mortgage Company & Address | Educated Mortgage Services LLC 5315 Wall St Ste 270 Madison, WI 53718 |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 457 |
| Total Mortgage Loan Application Amount | $143,975,000 |
| Average Mortgage Loan Application Amount | $315,043 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $132,938 |
| Highest Applicant Income | $962,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Educated Mortgage Services LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 243 | $ 75,605,000 | $ 311,131 | $ 134,687 |
| Madison, WI | 148 | $ 51,660,000 | $ 349,054 | $ 141,000 |
| Janesville-Beloit, WI | 42 | $ 9,820,000 | $ 233,809 | $ 89,000 |
| Chicago-Naperville, IL | 9 | $ 2,155,000 | $ 239,444 | $ 152,000 |
| Milwaukee-Waukesha-West Allis, WI | 6 | $ 2,260,000 | $ 376,666 | $ 157,000 |
| Rockford, IL | 3 | $ 865,000 | $ 288,333 | $ 129,000 |
| Oshkosh-Neenah, WI | 2 | $ 620,000 | $ 310,000 | $ 75,000 |
| Wausau, WI | 2 | $ 620,000 | $ 310,000 | $ 208,000 |
| Fond Du Lac, WI | 1 | $ 175,000 | $ 175,000 | $ 79,000 |
| Sheboygan, WI | 1 | $ 195,000 | $ 195,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Educated Mortgage Services LLC 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 | 345 | $113,475,000 | $328,000 | $1,205,000 | $139,000 | $962,000 |
| Refinancing | 111 | $30,445,000 | $274,000 | $995,000 | $114,000 | $380,000 |
| Cash-out Refinancing | 1 | $55,000 | $55,000 | $55,000 | $144,000 | $144,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 | 416 | $131,110,000 | $315,000 | $1,205,000 | $134,000 | $962,000 |
| Hispanic | 19 | $5,015,000 | $263,000 | $405,000 | $100,000 | $207,000 |
| Asian | 9 | $3,965,000 | $440,000 | $725,000 | $188,000 | $358,000 |
| Not Provided | 7 | $1,965,000 | $280,000 | $445,000 | $94,000 | $140,000 |
| Black or African American | 6 | $1,920,000 | $320,000 | $395,000 | $95,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 357 | $113,975,000 | $319,000 | $1,205,000 | $141,000 | $936,000 |
| FHA-insured (Federal Housing Administration) | 78 | $21,160,000 | $271,000 | $455,000 | $103,000 | $962,000 |
| VA-guaranteed (Veterans Administration) | 22 | $8,840,000 | $401,000 | $995,000 | $103,000 | $281,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 231 | $72,085,000 | $312,000 | $995,000 | $135,000 | $719,000 |
| Application Withdrawn By Applicant | 203 | $65,885,000 | $324,000 | $1,205,000 | $132,000 | $962,000 |
| Application Denied By Financial Institution | 21 | $5,245,000 | $249,000 | $545,000 | $124,000 | $936,000 |
| Preapproval Approved but not Accepted | 2 | $760,000 | $380,000 | $415,000 | $116,000 | $143,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 457 | $143,975,000 | $315,000 | $1,205,000 | $133,000 | $962,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Educated Mortgage Services LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Educated Mortgage Services LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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