Lender in Wisconsin · HMDA 2025
Royal Credit Union mortgages in Wisconsin
Royal Credit Union's 2025 home-purchase and refinance lending in Wisconsin, compared with all lenders in the state.
Royal Credit Union originated 1,098 owner-occupied single-family loans in Wisconsin from 1,205 completed applications, making it the state's #14 lender by volume.
Its median conventional purchase loan costs were $3,350 versus $3,230 for all Wisconsin lenders, at a median 30-year fixed rate of 6.625% (Wisconsin: 6.625%).
Loans in WI
1,098
of 1,205 applications
Denial rate
1.3%
Purchase · WI 6.2%
Rate spread
+0.07 pts
Conv. · WI +0.12 pts
Loan amount
$245,000
Purchase · WI $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 837 | 796 | 1.3% | 6.625% | +0.07 pts | $3,350 | $245,000 |
| Refinance | 196 | 166 | 13.3% | 6.375% | +0.01 pts | $4,420 | $355,000 |
| Cash-out refinance | 172 | 136 | 19.2% | 6.875% | +0.28 pts | $2,940 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Wisconsin counties where Royal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Eau Claire County | 1 | 346 | 27.1% |
| Chippewa County | 1 | 207 | 24.8% |
| Dunn County | 1 | 91 | 18.9% |
| Polk County | 1 | 84 | 11.4% |
| Barron County | 1 | 62 | 10.5% |
| Trempealeau County | 2 | 42 | 12.7% |
| Rusk County | 2 | 17 | 9.9% |
| Buffalo County | 2 | 14 | 9.0% |
| St. Croix County | 4 | 83 | 5.1% |
| Pierce County | 4 | 27 | 4.7% |
| Washburn County | 4 | 11 | 6.3% |
| Burnett County | 4 | 7 | 3.3% |
| Clark County | 5 | 21 | 5.3% |
| Taylor County | 6 | 13 | 6.0% |
| Pepin County | 6 | 5 | 5.8% |
| Jackson County | 11 | 6 | 2.1% |
| Sawyer County | 14 | 3 | 1.7% |
| Bayfield County | 16 | 3 | 1.7% |
| Price County | 17 | 3 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology