Royal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Royal Credit Union 2022 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 | 7,559 |
| Total Mortgage Loan Application Amount | $1,293,155,000 |
| Average Mortgage Loan Application Amount | $163,800 |
| Highest Mortgage Loan Application Amount | $13,785,000 |
| Average Applicant Income | $103,800 |
| Highest Applicant Income | $1,943,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,325 | $ 216,885,000 | $ 163,000 | $ 98,000 |
| Chippewa County Wisconsin | 785 | $ 122,995,000 | $ 156,000 | $ 102,000 |
| Hennepin County Minnesota | 758 | $ 170,270,000 | $ 224,000 | $ 128,000 |
| St. Croix County Wisconsin | 479 | $ 73,895,000 | $ 154,000 | $ 112,000 |
| Ramsey County Minnesota | 437 | $ 86,375,000 | $ 197,000 | $ 97,000 |
| Dakota County Minnesota | 333 | $ 59,755,000 | $ 179,000 | $ 119,000 |
| Polk County Wisconsin | 328 | $ 41,540,000 | $ 126,000 | $ 98,000 |
| Washington County Minnesota | 307 | $ 69,665,000 | $ 226,000 | $ 145,000 |
| Dunn County Wisconsin | 289 | $ 40,485,000 | $ 140,000 | $ 98,000 |
| Barron County Wisconsin | 270 | $ 29,880,000 | $ 110,000 | $ 84,000 |
| Anoka County Minnesota | 267 | $ 56,575,000 | $ 211,000 | $ 112,000 |
| Trempealeau County Wisconsin | 136 | $ 15,630,000 | $ 114,000 | $ 91,000 |
| Clark County Wisconsin | 111 | $ 10,555,000 | $ 95,000 | $ 67,000 |
| Chisago County Minnesota | 109 | $ 18,795,000 | $ 172,000 | $ 115,000 |
| Taylor County Wisconsin | 90 | $ 10,250,000 | $ 113,000 | $ 72,000 |
| Pierce County Wisconsin | 80 | $ 13,180,000 | $ 164,000 | $ 101,000 |
| Scott County Minnesota | 68 | $ 15,270,000 | $ 224,000 | $ 140,000 |
| Wright County Minnesota | 64 | $ 14,080,000 | $ 220,000 | $ 149,000 |
| Carver County Minnesota | 52 | $ 11,380,000 | $ 218,000 | $ 150,000 |
| Sherburne County Minnesota | 50 | $ 10,030,000 | $ 200,000 | $ 103,000 |
| Marathon County Wisconsin | 46 | $ 4,210,000 | $ 91,000 | $ 91,000 |
| Burnett County Wisconsin | 42 | $ 4,000,000 | $ 95,000 | $ 84,000 |
| Rusk County Wisconsin | 42 | $ 5,080,000 | $ 120,000 | $ 85,000 |
| Washburn County Wisconsin | 41 | $ 4,715,000 | $ 115,000 | $ 75,000 |
| Pepin County Wisconsin | 40 | $ 5,280,000 | $ 132,000 | $ 102,000 |
| Buffalo County Wisconsin | 38 | $ 4,730,000 | $ 124,000 | $ 78,000 |
| Sawyer County Wisconsin | 38 | $ 5,890,000 | $ 155,000 | $ 160,000 |
| Jackson County Wisconsin | 33 | $ 4,135,000 | $ 125,000 | $ 75,000 |
| Isanti County Minnesota | 25 | $ 4,135,000 | $ 165,000 | $ 97,000 |
| Wood County Wisconsin | 25 | $ 3,795,000 | $ 151,000 | $ 77,000 |
| Pine County Minnesota | 18 | $ 2,390,000 | $ 132,000 | $ 116,000 |
| Douglas County Wisconsin | 16 | $ 1,730,000 | $ 108,000 | $ 70,000 |
| Stearns County Minnesota | 14 | $ 2,130,000 | $ 152,000 | $ 75,000 |
| St. Louis County Minnesota | 13 | $ 3,015,000 | $ 231,000 | $ 156,000 |
| Price County Wisconsin | 13 | $ 1,275,000 | $ 98,000 | $ 80,000 |
| Crow Wing County Minnesota | 12 | $ 4,510,000 | $ 375,000 | $ 266,000 |
| Kanabec County Minnesota | 11 | $ 1,635,000 | $ 148,000 | $ 70,000 |
| Ashland County Wisconsin | 11 | $ 1,205,000 | $ 109,000 | $ 88,000 |
| Bayfield County Wisconsin | 11 | $ 1,475,000 | $ 134,000 | $ 150,000 |
| Goodhue County Minnesota | 10 | $ 1,320,000 | $ 132,000 | $ 95,000 |
| Olmsted County Minnesota | 10 | $ 3,450,000 | $ 345,000 | $ 105,000 |
| Mille Lacs County Minnesota | 9 | $ 1,735,000 | $ 192,000 | $ 167,000 |
| La Crosse County Wisconsin | 9 | $ 1,515,000 | $ 168,000 | $ 123,000 |
| Aitkin County Minnesota | 8 | $ 1,030,000 | $ 128,000 | $ 105,000 |
| Rice County Minnesota | 8 | $ 1,980,000 | $ 247,000 | $ 160,000 |
| Brown County Wisconsin | 8 | $ 1,310,000 | $ 163,000 | $ 136,000 |
| Le Sueur County Minnesota | 7 | $ 1,845,000 | $ 263,000 | $ 168,000 |
| Adams County Wisconsin | 7 | $ 1,385,000 | $ 197,000 | $ 133,000 |
| Benton County Minnesota | 6 | $ 610,000 | $ 101,000 | $ 64,000 |
| Dodge County Minnesota | 6 | $ 640,000 | $ 106,000 | $ 95,000 |
| Winona County Minnesota | 6 | $ 430,000 | $ 71,000 | $ 58,000 |
| Juneau County Wisconsin | 6 | $ 450,000 | $ 75,000 | $ 57,000 |
| Outagamie County Wisconsin | 6 | $ 900,000 | $ 150,000 | $ 70,000 |
| Carlton County Minnesota | 5 | $ 1,045,000 | $ 209,000 | $ 197,000 |
| Cuyahoga County Ohio | 5 | $ 275,000 | $ 55,000 | $ 228,000 |
| Milwaukee County Wisconsin | 5 | $ 695,000 | $ 139,000 | $ 185,000 |
| Sheboygan County Wisconsin | 5 | $ 355,000 | $ 71,000 | $ 104,000 |
| Lee County Florida | 4 | $ 1,630,000 | $ 407,000 | $ 280,000 |
| Blue Earth County Minnesota | 4 | $ 460,000 | $ 115,000 | $ 100,000 |
| Freeborn County Minnesota | 4 | $ 450,000 | $ 112,000 | $ 31,000 |
| Itasca County Minnesota | 4 | $ 1,640,000 | $ 410,000 | $ 242,000 |
| McLeod County Minnesota | 4 | $ 660,000 | $ 165,000 | $ 110,000 |
| Nobles County Minnesota | 4 | $ 620,000 | $ 155,000 | $ 108,000 |
| Otter Tail County Minnesota | 4 | $ 960,000 | $ 240,000 | $ 208,000 |
| Dane County Wisconsin | 4 | $ 1,080,000 | $ 270,000 | $ 124,000 |
| Oneida County Wisconsin | 4 | $ 1,410,000 | $ 352,000 | $ 136,000 |
| Portage County Wisconsin | 4 | $ 500,000 | $ 125,000 | $ 85,000 |
| Washington County Wisconsin | 4 | $ 710,000 | $ 177,000 | $ 146,000 |
| Pinellas County Florida | 3 | $ 1,075,000 | $ 358,000 | $ 138,000 |
| Cass County Minnesota | 3 | $ 1,225,000 | $ 408,000 | $ 365,000 |
| Hubbard County Minnesota | 3 | $ 625,000 | $ 208,000 | $ 135,000 |
| Kandiyohi County Minnesota | 3 | $ 605,000 | $ 201,000 | $ 79,000 |
| Nicollet County Minnesota | 3 | $ 175,000 | $ 58,000 | $ 109,000 |
| Wabasha County Minnesota | 3 | $ 565,000 | $ 188,000 | $ 77,000 |
| Clark County Nevada | 3 | $ 1,195,000 | $ 398,000 | $ 272,000 |
| Summit County Ohio | 3 | $ 175,000 | $ 58,000 | $ 228,000 |
| Lincoln County Wisconsin | 3 | $ 765,000 | $ 255,000 | $ 307,000 |
| Monroe County Wisconsin | 3 | $ 625,000 | $ 208,000 | $ 125,000 |
| Sauk County Wisconsin | 3 | $ 275,000 | $ 91,000 | $ 56,000 |
| Pasco County Florida | 2 | $ 310,000 | $ 155,000 | $ 165,000 |
| Becker County Minnesota | 2 | $ 610,000 | $ 305,000 | $ 194,000 |
| Meeker County Minnesota | 2 | $ 150,000 | $ 75,000 | $ 115,000 |
| Morrison County Minnesota | 2 | $ 390,000 | $ 195,000 | $ 196,000 |
| Crawford County Wisconsin | 2 | $ 140,000 | $ 70,000 | $ 55,000 |
| Oconto County Wisconsin | 2 | $ 260,000 | $ 130,000 | $ 148,000 |
| Vilas County Wisconsin | 2 | $ 390,000 | $ 195,000 | $ 358,000 |
| Waukesha County Wisconsin | 2 | $ 830,000 | $ 415,000 | $ 127,000 |
| Waupaca County Wisconsin | 2 | $ 160,000 | $ 80,000 | $ 52,000 |
| Maricopa County Arizona | 1 | $ 315,000 | $ 315,000 | $ 68,000 |
| Fresno County California | 1 | $ 645,000 | $ 645,000 | $ 243,000 |
| Eagle County Colorado | 1 | $ 995,000 | $ 995,000 | $ 510,000 |
| Bay County Florida | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Broward County Florida | 1 | $ 185,000 | $ 185,000 | $ 85,000 |
| Charlotte County Florida | 1 | $ 645,000 | $ 645,000 | $ 269,000 |
| Palm Beach County Florida | 1 | $ 445,000 | $ 445,000 | $ 743,000 |
| Sumter County Florida | 1 | $ 485,000 | $ 485,000 | $ 391,000 |
| Allen County Indiana | 1 | $ 205,000 | $ 205,000 | $ 94,000 |
| Buchanan County Iowa | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Cass County Iowa | 1 | $ 385,000 | $ 385,000 | $ 130,000 |
| Beltrami County Minnesota | 1 | $ 315,000 | $ 315,000 | $ 163,000 |
| Chippewa County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 45,000 |
| Douglas County Minnesota | 1 | $ 255,000 | $ 255,000 | $ 675,000 |
| Lac qui Parle County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 17,000 |
| Lake County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 68,000 |
| Lake of the Woods County Minnesota | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Martin County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 95,000 |
| Pennington County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 87,000 |
| Redwood County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Renville County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Wadena County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Lauderdale County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 112,000 |
| Andrew County Missouri | 1 | $ 555,000 | $ 555,000 | $ 103,000 |
| Wake County North Carolina | 1 | $ 665,000 | $ 665,000 | $ 245,000 |
| Sargent County North Dakota | 1 | $ 85,000 | $ 85,000 | $ 130,000 |
| Williams County North Dakota | 1 | $ 455,000 | $ 455,000 | $ 150,000 |
| Lane County Oregon | 1 | $ 295,000 | $ 295,000 | $ 58,000 |
| Lincoln County Oregon | 1 | $ 545,000 | $ 545,000 | $ 126,000 |
| Deuel County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Monroe County Tennessee | 1 | $ 595,000 | $ 595,000 | $ 1,260,000 |
| Obion County Tennessee | 1 | $ 375,000 | $ 375,000 | $ 107,000 |
| Galveston County Texas | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Tarrant County Texas | 1 | $ 505,000 | $ 505,000 | $ 255,000 |
| Rich County Utah | 1 | $ 275,000 | $ 275,000 | $ 494,000 |
| Petersburg County Virginia | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Pierce County Washington | 1 | $ 965,000 | $ 965,000 | $ 635,000 |
| Jefferson County West Virginia | 1 | $ 345,000 | $ 345,000 | $ 89,000 |
| Columbia County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 94,000 |
| Door County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 120,000 |
| Forest County Wisconsin | 1 | $ 255,000 | $ 255,000 | $ 56,000 |
| Grant County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 115,000 |
| Iowa County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 95,000 |
| Jefferson County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Kenosha County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Manitowoc County Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Racine County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Richland County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Rock County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Shawano County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 45,000 |
| Winnebago County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
Mortgage Loan Application Detail Totals for Royal Credit Union in 2022
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 | 3,121 | $769,625,000 | $246,000 | $13,785,000 | $99,000 | $1,260,000 |
| Other Purpose | 2,000 | $181,450,000 | $90,000 | $7,255,000 | $115,000 | $900,000 |
| Home Improvement | 1,287 | $112,875,000 | $87,000 | $9,405,000 | $114,000 | $1,678,000 |
| Cash-out Refinancing | 670 | $136,110,000 | $203,000 | $1,185,000 | $95,000 | $1,031,000 |
| Refinancing | 481 | $93,095,000 | $193,000 | $2,945,000 | $96,000 | $1,943,000 |
| 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 | 5,561 | $873,525,000 | $157,000 | $1,925,000 | $106,000 | $1,678,000 |
| Not Provided | 960 | $166,800,000 | $173,000 | $2,945,000 | $114,000 | $1,943,000 |
| Hispanic | 384 | $69,190,000 | $180,000 | $625,000 | $78,000 | $266,000 |
| Asian | 232 | $49,040,000 | $211,000 | $1,155,000 | $98,000 | $554,000 |
| Black or African American | 194 | $35,190,000 | $181,000 | $705,000 | $104,000 | $996,000 |
| Not applicable | 135 | $85,045,000 | $629,000 | $13,785,000 | $0 | $0 |
| American Indian or Alaskan Native | 48 | $7,870,000 | $163,000 | $785,000 | $84,000 | $244,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $163,000 | $163,000 |
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) | 7,308 | $1,221,990,000 | $167,000 | $13,785,000 | $106,000 | $1,943,000 |
| FHA-insured (Federal Housing Administration) | 212 | $57,710,000 | $272,000 | $705,000 | $75,000 | $172,000 |
| VA-guaranteed (Veterans Administration) | 34 | $12,170,000 | $357,000 | $1,185,000 | $95,000 | $236,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $1,285,000 | $257,000 | $305,000 | $77,000 | $96,000 |
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 | 5,564 | $984,940,000 | $177,000 | $13,785,000 | $110,000 | $1,678,000 |
| Application Withdrawn By Applicant | 740 | $140,440,000 | $189,000 | $2,945,000 | $115,000 | $1,943,000 |
| Application Denied By Financial Institution | 531 | $46,795,000 | $88,000 | $625,000 | $76,000 | $750,000 |
| Preapproval Denied by Financial Institution | 459 | $83,115,000 | $181,000 | $605,000 | $61,000 | $600,000 |
| File Closed For Incompleteness | 182 | $24,310,000 | $133,000 | $505,000 | $103,000 | $996,000 |
| Application Approved But Not Accepted | 83 | $13,555,000 | $163,000 | $1,125,000 | $105,000 | $554,000 |
| 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 | 6,569 | $1,163,245,000 | $177,000 | $13,785,000 | $111,000 | $1,943,000 |
| Debt-To-Income Ratio | 538 | $74,420,000 | $138,000 | $605,000 | $59,000 | $600,000 |
| Credit History | 351 | $42,605,000 | $121,000 | $425,000 | $82,000 | $388,000 |
| Collateral | 37 | $5,035,000 | $136,000 | $625,000 | $103,000 | $750,000 |
| Employment History | 30 | $4,310,000 | $143,000 | $345,000 | $52,000 | $122,000 |
| Other | 19 | $1,535,000 | $80,000 | $315,000 | $96,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,480,000 | $148,000 | $455,000 | $46,000 | $78,000 |
| Unverifiable Information | 4 | $510,000 | $127,000 | $205,000 | $38,000 | $66,000 |
| Mortgage Insurance Denied | 1 | $15,000 | $15,000 | $15,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Royal Credit Union's 2022 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.
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with aggregated HMDA statistics today.