Royal United Mortgage in Wisconsin vs the state
29.2%Denial rate+15.18 pts vs state
35.6%Decision denial rate+19.25 pts vs state
51.6%Origination rate-16.60 pts vs state
6.75%Median rate+0.13 pts vs state
0.91Rate spread (pts)+0.79 pts vs state
$42kMedian applicant income
83Loans originated
47Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 138 | 79 | 23.2% | 6.88% | #177 |
| 2024 | 144 | 82 | 28.5% | 6.69% | #179 |
| 2025 | 161 | 83 | 29.2% | 6.75% | #184 |
What Royal United Mortgage lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Milwaukee County | 25 | 11 | 8 | 32.0% |
| Marathon County | 7 | 4 | 1 | 14.3% |
| Kenosha County | 7 | 3 | 1 | 14.3% |
| Racine County | 6 | 3 | 3 | 50.0% |
| Marinette County | 6 | 2 | 3 | 50.0% |
| Vilas County | 5 | 3 | 2 | 40.0% |
| Langlade County | 5 | 4 | 0 | 0.0% |
| Winnebago County | 5 | 2 | 1 | 20.0% |
| Wood County | 5 | 2 | 2 | 40.0% |
| Waupaca County | 4 | 1 | 2 | 50.0% |
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: 161 applications in 2025, of which 83 were originated and 47 denied.
29.2% of all applications, or 35.6% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans Royal United Mortgage originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Royal United Mortgage'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