2025 · Wisconsin
In 2025, 8,498 investment-property loans worth $1.9B were originated on single-family 1-4 unit homes in Wisconsin. Here's how those terms compared to the rest of the country.
Investor rate premium
63 bps
U.S. median: 76 bps
Denial rate
12.7%
U.S. median: 17.5%
DSCR / business-purpose
68%
U.S. median: 72%
Median LTV
75%
U.S. median: 74%
Since 2024 in Wisconsin
Rate premium
85 bps → 63 bps
-22 bpsInvestor loans
6,970 → 8,498
+21.9%Denial rate
12.9% → 12.7%
-0.1 ptsDSCR / business-purpose
64% → 68%
+3.9 ptsInvestors in Wisconsin borrowed at a median rate of 7.125%, versus 6.5% for owner-occupants — a 63 bps premium that ranks 45th of 51 states.
Their applications were denied 12.7% of the time. The leading reasons for denial were collateral, debt-to-income ratio, other.
68% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 18% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.
In 2025, the median investment-property loan in Wisconsin carried a rate of 7.125% versus 6.5% for an owner-occupant — a premium of 63 bps. That ranks 45th of 51 states (1 = highest premium).
12.7% of investment-property applications were denied in Wisconsin in 2025, the 39th-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, other.
68% of investor loans in Wisconsin were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (33rd of 51). The median loan-to-value was 75%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.