Royal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Royal Credit Union 2020 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Royal Credit Union 200 Riverfront Terrace Eau Claire, WI 54703 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 9,248 |
| Total Mortgage Loan Application Amount | $1,482,190,000 |
| Average Mortgage Loan Application Amount | $148,600 |
| Highest Mortgage Loan Application Amount | $11,335,000 |
| Average Applicant Income | $92,600 |
| Highest Applicant Income | $4,515,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 with Royal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Royal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2020 breaks down Royal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Royal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Royal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Royal Credit Union's mortgage activity for 2020.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Eau Claire County Wisconsin | 2,368 | $ 372,840,000 | $ 157,000 | $ 96,000 |
| Chippewa County Wisconsin | 1,395 | $ 204,935,000 | $ 146,000 | $ 87,000 |
| St. Croix County Wisconsin | 723 | $ 139,695,000 | $ 193,000 | $ 103,000 |
| Dunn County Wisconsin | 537 | $ 78,535,000 | $ 146,000 | $ 84,000 |
| Polk County Wisconsin | 527 | $ 71,225,000 | $ 135,000 | $ 86,000 |
| Hennepin County Minnesota | 411 | $ 96,465,000 | $ 234,000 | $ 126,000 |
| Barron County Wisconsin | 406 | $ 52,520,000 | $ 129,000 | $ 83,000 |
| Trempealeau County Wisconsin | 264 | $ 35,960,000 | $ 136,000 | $ 81,000 |
| Ramsey County Minnesota | 244 | $ 55,480,000 | $ 227,000 | $ 100,000 |
| Washington County Minnesota | 220 | $ 42,730,000 | $ 194,000 | $ 97,000 |
| Dakota County Minnesota | 188 | $ 33,710,000 | $ 179,000 | $ 113,000 |
| Clark County Wisconsin | 181 | $ 17,345,000 | $ 95,000 | $ 65,000 |
| Anoka County Minnesota | 129 | $ 25,785,000 | $ 199,000 | $ 93,000 |
| Pierce County Wisconsin | 127 | $ 19,805,000 | $ 155,000 | $ 100,000 |
| Buffalo County Wisconsin | 90 | $ 11,870,000 | $ 131,000 | $ 87,000 |
| Marathon County Wisconsin | 88 | $ 11,020,000 | $ 125,000 | $ 83,000 |
| Washburn County Wisconsin | 80 | $ 13,050,000 | $ 163,000 | $ 100,000 |
| Rusk County Wisconsin | 71 | $ 8,615,000 | $ 121,000 | $ 89,000 |
| Chisago County Minnesota | 65 | $ 11,135,000 | $ 171,000 | $ 95,000 |
| Taylor County Wisconsin | 63 | $ 6,705,000 | $ 106,000 | $ 84,000 |
| Sawyer County Wisconsin | 55 | $ 7,345,000 | $ 133,000 | $ 100,000 |
| Scott County Minnesota | 54 | $ 8,680,000 | $ 160,000 | $ 106,000 |
| Jackson County Wisconsin | 52 | $ 6,700,000 | $ 128,000 | $ 70,000 |
| Pepin County Wisconsin | 51 | $ 6,175,000 | $ 121,000 | $ 76,000 |
| Burnett County Wisconsin | 37 | $ 4,975,000 | $ 134,000 | $ 105,000 |
| Carver County Minnesota | 27 | $ 6,655,000 | $ 246,000 | $ 116,000 |
| Sherburne County Minnesota | 25 | $ 4,165,000 | $ 166,000 | $ 103,000 |
| Wright County Minnesota | 24 | $ 5,410,000 | $ 225,000 | $ 127,000 |
| St. Louis County Minnesota | 18 | $ 2,590,000 | $ 143,000 | $ 112,000 |
| Wood County Wisconsin | 18 | $ 3,240,000 | $ 180,000 | $ 98,000 |
| Douglas County Wisconsin | 15 | $ 2,585,000 | $ 172,000 | $ 143,000 |
| Dane County Wisconsin | 14 | $ 2,530,000 | $ 180,000 | $ 107,000 |
| Bayfield County Wisconsin | 13 | $ 1,785,000 | $ 137,000 | $ 124,000 |
| Crow Wing County Minnesota | 12 | $ 3,150,000 | $ 262,000 | $ 310,000 |
| Goodhue County Minnesota | 12 | $ 1,910,000 | $ 159,000 | $ 128,000 |
| Portage County Wisconsin | 11 | $ 3,295,000 | $ 299,000 | $ 81,000 |
| Isanti County Minnesota | 10 | $ 1,960,000 | $ 196,000 | $ 85,000 |
| Olmsted County Minnesota | 10 | $ 1,390,000 | $ 139,000 | $ 114,000 |
| Milwaukee County Wisconsin | 9 | $ 1,545,000 | $ 171,000 | $ 205,000 |
| Rice County Minnesota | 7 | $ 1,965,000 | $ 280,000 | $ 45,000 |
| Winona County Minnesota | 7 | $ 435,000 | $ 62,000 | $ 64,000 |
| Oneida County Wisconsin | 7 | $ 1,635,000 | $ 233,000 | $ 91,000 |
| Pine County Minnesota | 6 | $ 730,000 | $ 121,000 | $ 95,000 |
| Stearns County Minnesota | 6 | $ 750,000 | $ 125,000 | $ 159,000 |
| Brown County Wisconsin | 6 | $ 810,000 | $ 135,000 | $ 82,000 |
| La Crosse County Wisconsin | 6 | $ 1,010,000 | $ 168,000 | $ 83,000 |
| Monroe County Wisconsin | 6 | $ 550,000 | $ 91,000 | $ 61,000 |
| Blue Earth County Minnesota | 5 | $ 1,145,000 | $ 229,000 | $ 113,000 |
| Jefferson County Wisconsin | 5 | $ 905,000 | $ 181,000 | $ 85,000 |
| Ashland County Wisconsin | 4 | $ 330,000 | $ 82,000 | $ 97,000 |
| Langlade County Wisconsin | 4 | $ 450,000 | $ 112,000 | $ 65,000 |
| Price County Wisconsin | 4 | $ 720,000 | $ 180,000 | $ 108,000 |
| Racine County Wisconsin | 4 | $ 230,000 | $ 57,000 | $ 68,000 |
| Le Sueur County Minnesota | 3 | $ 575,000 | $ 191,000 | $ 457,000 |
| Steele County Minnesota | 3 | $ 825,000 | $ 275,000 | $ 96,000 |
| Columbia County Wisconsin | 3 | $ 485,000 | $ 161,000 | $ 86,000 |
| Vernon County Wisconsin | 3 | $ 565,000 | $ 188,000 | $ 116,000 |
| Winnebago County Wisconsin | 3 | $ 505,000 | $ 168,000 | $ 67,000 |
| Carlton County Minnesota | 2 | $ 230,000 | $ 115,000 | $ 112,000 |
| Cass County Minnesota | 2 | $ 150,000 | $ 75,000 | $ 146,000 |
| Douglas County Minnesota | 2 | $ 260,000 | $ 130,000 | $ 141,000 |
| Itasca County Minnesota | 2 | $ 320,000 | $ 160,000 | $ 115,000 |
| Kanabec County Minnesota | 2 | $ 430,000 | $ 215,000 | $ 64,000 |
| McLeod County Minnesota | 2 | $ 2,080,000 | $ 1,040,000 | $ 37,000 |
| Mower County Minnesota | 2 | $ 100,000 | $ 50,000 | $ 100,000 |
| Sibley County Minnesota | 2 | $ 110,000 | $ 55,000 | $ 134,000 |
| Wabasha County Minnesota | 2 | $ 160,000 | $ 80,000 | $ 80,000 |
| Adams County Wisconsin | 2 | $ 220,000 | $ 110,000 | $ 138,000 |
| Fond du Lac County Wisconsin | 2 | $ 180,000 | $ 90,000 | $ 54,000 |
| Forest County Wisconsin | 2 | $ 180,000 | $ 90,000 | $ 95,000 |
| Grant County Wisconsin | 2 | $ 230,000 | $ 115,000 | $ 164,000 |
| Juneau County Wisconsin | 2 | $ 210,000 | $ 105,000 | $ 71,000 |
| Marinette County Wisconsin | 2 | $ 4,590,000 | $ 2,295,000 | $ 37,000 |
| Sauk County Wisconsin | 2 | $ 270,000 | $ 135,000 | $ 80,000 |
| Vilas County Wisconsin | 2 | $ 170,000 | $ 85,000 | $ 72,000 |
| Washington County Wisconsin | 2 | $ 540,000 | $ 270,000 | $ 79,000 |
| Waukesha County Wisconsin | 2 | $ 640,000 | $ 320,000 | $ 129,000 |
| Dodge County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Hubbard County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 94,000 |
| Kandiyohi County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Kittson County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 125,000 |
| Koochiching County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Martin County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 162,000 |
| Mille Lacs County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 85,000 |
| Morrison County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 15,000 |
| Otter Tail County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Yellow Medicine County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Door County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Green County Wisconsin | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Iowa County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 77,000 |
| Kewaunee County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 102,000 |
| Lincoln County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Manitowoc County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Menominee County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 22,000 |
| Oconto County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Outagamie County Wisconsin | 1 | $ 295,000 | $ 295,000 | $ 141,000 |
| Ozaukee County Wisconsin | 1 | $ 355,000 | $ 355,000 | $ 195,000 |
| Richland County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Rock County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Sheboygan County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
Mortgage Loan Application Detail Totals for Royal Credit Union in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 2,582 | $479,340,000 | $185,000 | $2,775,000 | $86,000 | $4,515,000 |
| Refinancing | 2,288 | $453,610,000 | $198,000 | $11,335,000 | $93,000 | $529,000 |
| Other Purpose | 1,931 | $226,305,000 | $117,000 | $835,000 | $97,000 | $1,527,000 |
| Cash-out Refinancing | 1,450 | $254,780,000 | $175,000 | $805,000 | $90,000 | $840,000 |
| Home Improvement | 997 | $68,155,000 | $68,000 | $455,000 | $97,000 | $814,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,213 | $1,114,035,000 | $154,000 | $2,765,000 | $91,000 | $4,515,000 |
| Not Provided | 1,495 | $194,015,000 | $129,000 | $805,000 | $99,000 | $1,345,000 |
| Not applicable | 175 | $111,905,000 | $639,000 | $11,335,000 | $0 | $0 |
| Asian | 128 | $25,720,000 | $200,000 | $615,000 | $82,000 | $371,000 |
| Hispanic | 98 | $14,280,000 | $145,000 | $445,000 | $76,000 | $251,000 |
| Black or African American | 64 | $10,320,000 | $161,000 | $375,000 | $80,000 | $278,000 |
| American Indian or Alaskan Native | 45 | $5,885,000 | $130,000 | $505,000 | $81,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $170,000 | $85,000 | $115,000 | $119,000 | $169,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 9,193 | $1,472,085,000 | $160,000 | $11,335,000 | $92,000 | $4,515,000 |
| FHA-insured (Federal Housing Administration) | 31 | $4,815,000 | $155,000 | $345,000 | $57,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 24 | $5,290,000 | $220,000 | $385,000 | $89,000 | $196,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 6,181 | $1,025,445,000 | $165,000 | $11,335,000 | $95,000 | $1,165,000 |
| Application Withdrawn By Applicant | 1,435 | $240,845,000 | $167,000 | $6,725,000 | $101,000 | $4,515,000 |
| Application Denied By Financial Institution | 709 | $77,795,000 | $109,000 | $915,000 | $71,000 | $1,527,000 |
| Preapproval Denied by Financial Institution | 444 | $66,180,000 | $149,000 | $435,000 | $54,000 | $373,000 |
| File Closed For Incompleteness | 346 | $53,340,000 | $154,000 | $805,000 | $91,000 | $480,000 |
| Application Approved But Not Accepted | 133 | $18,585,000 | $139,000 | $2,165,000 | $103,000 | $898,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 8,095 | $1,338,215,000 | $165,000 | $11,335,000 | $96,000 | $4,515,000 |
| Debt-To-Income Ratio | 499 | $60,155,000 | $120,000 | $475,000 | $54,000 | $373,000 |
| Credit History | 485 | $63,455,000 | $130,000 | $435,000 | $70,000 | $1,527,000 |
| Collateral | 53 | $5,155,000 | $97,000 | $255,000 | $96,000 | $814,000 |
| Employment History | 47 | $5,755,000 | $122,000 | $355,000 | $50,000 | $139,000 |
| Other | 43 | $4,415,000 | $102,000 | $385,000 | $95,000 | $380,000 |
| Unverifiable Information | 14 | $1,530,000 | $109,000 | $235,000 | $61,000 | $168,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $3,510,000 | $292,000 | $915,000 | $62,000 | $129,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Royal Credit Union's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Royal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.