Mortgage Refinancing in Wisconsin
Real refinance data for Wisconsin from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
17,110
2023 HMDA data
Avg Loan Amount
$203,275
National: $410,429
Denial Rate
15.66%
▲ Below national avg
Median Home Value
$247,400
U.S. Census Bureau
Source: HMDA 2023 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Wisconsin
Originations by Year
Refinance originations in Wisconsin by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Wisconsin
Source: FHFA House Price Index
Top Lenders in Wisconsin
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | Summit Credit Union | 16,714 | - |
| 2 | Summit Credit Union | 15,632 | - |
| 3 | University Of Wisconsin Credit Union | 13,220 | - |
| 4 | Landmark Credit Union | 11,166 | - |
| 5 | University Of Wisconsin Credit Union | 10,193 | - |
| 6 | Associated Bank National Association | 9,778 | - |
| 7 | Landmark Credit Union | 9,031 | - |
| 8 | U.s. Bank National Association | 7,032 | - |
| 9 | Associated Bank National Association | 6,838 | - |
| 10 | Rocket Mortgage LLC | 6,826 | - |
Ranked by total HMDA filings in the state (2023). Source: HMDA via CFPB.
Compare all lenders →How Wisconsin Compares
| Metric | Wisconsin | National Avg |
|---|---|---|
| Refinance Originations | 17,110 | 435,709 |
| Avg Loan Amount | $203,275 | $410,429 |
| Denial Rate | 15.66% | 27.87% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2023, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.38%
▲ 6.22% prev
15-Year Fixed
5.75%
▲ 5.54% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Wisconsin in 2023?
In 2023, there were 17,110 refinance originations in Wisconsin, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Wisconsin?
The average refinance loan amount in Wisconsin was $203,275 in 2023. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Wisconsin?
The refinance denial rate in Wisconsin was 15.66% in 2023. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Wisconsin?
The most active lenders in Wisconsin by HMDA filing volume include Summit Credit Union, Summit Credit Union, University Of Wisconsin Credit Union. See the full list above for details.
Is it a good time to refinance in Wisconsin?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Wisconsin, including tips, regulations, and state programs.
Read the Wisconsin Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.