Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Dane County, Wisconsin
Every institution that decided a 1–4 unit mortgage application in Dane County, home to Madison, between 2023 and 2025: 43,663 applications, 38,121 loans actually funded, across 8 kinds of borrowing.
Dane County at a glance
43,663Applications decided
2023–2025
38,121Loans funded
87% of decisions
125Census tracts
31 ZIP codes
564,777People
ACS 2023
What the data shows
Lenders approved 95.5% of home-purchase applications in Dane County, 3.4 points above the Wisconsin rate.
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 66% of 148 applications.
Lending by loan type in Dane County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 95.5% | 18,201 | $345K | 98% | 385 |
| Home improvement loans | 87.3% | 7,449 | $65K | 94% | 104 |
| Cash-out refinance | 77.2% | 3,570 | $165K | 96% | 183 |
| Refinance | 88.9% | 12,178 | $115K | 96% | 218 |
| Investment property purchase | 93.0% | 1,469 | $305K | 98% | 184 |
| Investment cash-out refinance | 72.4% | 232 | $235K | 93% | 71 |
| Investment refinance | 86.3% | 416 | $225K | 96% | 71 |
| Investment home improvement | 65.5% | 148 | $105K | 97% | 40 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.