Royal Credit Union in Wisconsin vs the state
9.6%Denial rate-4.45 pts vs state
10.7%Decision denial rate-5.68 pts vs state
76.4%Origination rate+8.22 pts vs state
6.75%Median rate+0.13 pts vs state
0.16Rate spread (pts)+0.04 pts vs state
$100kMedian applicant income
2,893Loans originated
362Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,629 | 2,652 | 9.8% | 7.50% | #10 |
| 2024 | 3,415 | 2,516 | 9.3% | 7.59% | #12 |
| 2025 | 3,788 | 2,893 | 9.6% | 6.75% | #12 |
What Royal Credit Union lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Royal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Eau Claire County | 1,112 | 891 | 78 | 7.0% |
| Chippewa County | 610 | 499 | 36 | 5.9% |
| St. Croix County | 347 | 257 | 54 | 15.6% |
| Polk County | 337 | 243 | 31 | 9.2% |
| Dunn County | 281 | 206 | 30 | 10.7% |
| Barron County | 267 | 199 | 27 | 10.1% |
| Trempealeau County | 123 | 88 | 16 | 13.0% |
| Pierce County | 94 | 76 | 9 | 9.6% |
| Clark County | 88 | 65 | 10 | 11.4% |
| Taylor County | 63 | 40 | 13 | 20.6% |
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: 3,788 applications in 2025, of which 2,893 were originated and 362 denied.
9.6% of all applications, or 10.7% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Royal Credit Union originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Royal Credit Union'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