Royal Bank in Wisconsin vs the state
11.5%Denial rate-2.56 pts vs state
13.2%Decision denial rate-3.21 pts vs state
73.2%Origination rate+5.04 pts vs state
7.00%Median rate+0.38 pts vs state
0.71Rate spread (pts)+0.59 pts vs state
$88kMedian applicant income
243Loans originated
38Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 310 | 239 | 9.7% | 7.63% | #101 |
| 2024 | 339 | 247 | 12.1% | 7.50% | #102 |
| 2025 | 332 | 243 | 11.5% | 7.00% | #106 |
What Royal Bank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Royal Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Juneau County | 66 | 49 | 6 | 9.1% |
| Grant County | 60 | 45 | 4 | 6.7% |
| Vernon County | 48 | 39 | 4 | 8.3% |
| Adams County | 35 | 24 | 6 | 17.1% |
| Iowa County | 23 | 16 | 5 | 21.7% |
| Sauk County | 22 | 14 | 6 | 27.3% |
| Crawford County | 20 | 15 | 0 | 0.0% |
| Richland County | 14 | 12 | 1 | 7.1% |
| Marquette County | 13 | 7 | 4 | 30.8% |
| Monroe County | 10 | 6 | 1 | 10.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 332 applications in 2025, of which 243 were originated and 38 denied.
11.5% of all applications, or 13.2% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Royal Bank originated in Wisconsin in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Royal Bank's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology