Royal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Royal Credit Union 2023 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 | 6,062 |
| Total Mortgage Loan Application Amount | $1,020,630,000 |
| Average Mortgage Loan Application Amount | $155,600 |
| Highest Mortgage Loan Application Amount | $16,505,000 |
| Average Applicant Income | $103,400 |
| Highest Applicant Income | $1,919,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 1,038 | $ 174,250,000 | $ 167,000 | $ 110,000 |
| Hennepin County Minnesota | 670 | $ 134,420,000 | $ 200,000 | $ 122,000 |
| Chippewa County Wisconsin | 640 | $ 94,160,000 | $ 147,000 | $ 106,000 |
| Ramsey County Minnesota | 388 | $ 71,100,000 | $ 183,000 | $ 103,000 |
| St. Croix County Wisconsin | 364 | $ 50,820,000 | $ 139,000 | $ 127,000 |
| Polk County Wisconsin | 309 | $ 38,775,000 | $ 125,000 | $ 106,000 |
| Dakota County Minnesota | 282 | $ 49,500,000 | $ 175,000 | $ 116,000 |
| Anoka County Minnesota | 281 | $ 57,575,000 | $ 204,000 | $ 116,000 |
| Washington County Minnesota | 251 | $ 76,445,000 | $ 304,000 | $ 157,000 |
| Dunn County Wisconsin | 242 | $ 36,220,000 | $ 149,000 | $ 105,000 |
| Barron County Wisconsin | 232 | $ 28,560,000 | $ 123,000 | $ 91,000 |
| Trempealeau County Wisconsin | 122 | $ 13,800,000 | $ 113,000 | $ 93,000 |
| Clark County Wisconsin | 110 | $ 8,740,000 | $ 79,000 | $ 81,000 |
| Chisago County Minnesota | 96 | $ 15,600,000 | $ 162,000 | $ 129,000 |
| Taylor County Wisconsin | 86 | $ 8,830,000 | $ 102,000 | $ 83,000 |
| Pierce County Wisconsin | 74 | $ 12,230,000 | $ 165,000 | $ 117,000 |
| Scott County Minnesota | 66 | $ 16,180,000 | $ 245,000 | $ 133,000 |
| Wright County Minnesota | 63 | $ 13,755,000 | $ 218,000 | $ 107,000 |
| Marathon County Wisconsin | 51 | $ 4,535,000 | $ 88,000 | $ 82,000 |
| Washburn County Wisconsin | 48 | $ 7,340,000 | $ 152,000 | $ 125,000 |
| Rusk County Wisconsin | 46 | $ 6,150,000 | $ 133,000 | $ 117,000 |
| Sherburne County Minnesota | 43 | $ 8,345,000 | $ 194,000 | $ 142,000 |
| Burnett County Wisconsin | 37 | $ 6,215,000 | $ 167,000 | $ 140,000 |
| Sawyer County Wisconsin | 34 | $ 4,580,000 | $ 134,000 | $ 117,000 |
| Carver County Minnesota | 30 | $ 6,040,000 | $ 201,000 | $ 136,000 |
| Pepin County Wisconsin | 27 | $ 3,035,000 | $ 112,000 | $ 107,000 |
| Buffalo County Wisconsin | 25 | $ 2,785,000 | $ 111,000 | $ 96,000 |
| Isanti County Minnesota | 20 | $ 4,720,000 | $ 236,000 | $ 150,000 |
| St. Louis County Minnesota | 20 | $ 4,420,000 | $ 221,000 | $ 131,000 |
| Stearns County Minnesota | 20 | $ 2,580,000 | $ 129,000 | $ 64,000 |
| Wood County Wisconsin | 17 | $ 2,085,000 | $ 122,000 | $ 104,000 |
| Jackson County Wisconsin | 16 | $ 1,730,000 | $ 108,000 | $ 78,000 |
| Pine County Minnesota | 14 | $ 1,840,000 | $ 131,000 | $ 115,000 |
| Goodhue County Minnesota | 13 | $ 1,655,000 | $ 127,000 | $ 113,000 |
| Olmsted County Minnesota | 13 | $ 2,275,000 | $ 175,000 | $ 102,000 |
| Rice County Minnesota | 11 | $ 1,915,000 | $ 174,000 | $ 105,000 |
| Bayfield County Wisconsin | 9 | $ 1,175,000 | $ 130,000 | $ 161,000 |
| Dane County Wisconsin | 9 | $ 2,225,000 | $ 247,000 | $ 169,000 |
| Jefferson County Alabama | 8 | $ 550,000 | $ 68,000 | $ 101,000 |
| Mille Lacs County Minnesota | 8 | $ 1,630,000 | $ 203,000 | $ 140,000 |
| Blue Earth County Minnesota | 7 | $ 405,000 | $ 57,000 | $ 87,000 |
| Crow Wing County Minnesota | 7 | $ 1,835,000 | $ 262,000 | $ 307,000 |
| Douglas County Wisconsin | 7 | $ 735,000 | $ 105,000 | $ 87,000 |
| La Crosse County Wisconsin | 7 | $ 1,355,000 | $ 193,000 | $ 99,000 |
| Price County Wisconsin | 7 | $ 665,000 | $ 95,000 | $ 92,000 |
| Benton County Minnesota | 6 | $ 1,240,000 | $ 206,000 | $ 104,000 |
| Chippewa County Minnesota | 5 | $ 265,000 | $ 53,000 | $ 33,000 |
| Kanabec County Minnesota | 5 | $ 935,000 | $ 187,000 | $ 103,000 |
| Lincoln County Wisconsin | 5 | $ 355,000 | $ 71,000 | $ 104,000 |
| Waukesha County Wisconsin | 5 | $ 1,295,000 | $ 259,000 | $ 140,000 |
| Cass County Minnesota | 4 | $ 800,000 | $ 200,000 | $ 114,000 |
| Itasca County Minnesota | 4 | $ 680,000 | $ 170,000 | $ 121,000 |
| Kandiyohi County Minnesota | 4 | $ 360,000 | $ 90,000 | $ 50,000 |
| Wabasha County Minnesota | 4 | $ 190,000 | $ 47,000 | $ 77,000 |
| Oneida County Wisconsin | 4 | $ 910,000 | $ 227,000 | $ 137,000 |
| Portage County Wisconsin | 4 | $ 540,000 | $ 135,000 | $ 126,000 |
| Winnebago County Wisconsin | 4 | $ 860,000 | $ 215,000 | $ 103,000 |
| Carlton County Minnesota | 3 | $ 635,000 | $ 211,000 | $ 98,000 |
| Le Sueur County Minnesota | 3 | $ 445,000 | $ 148,000 | $ 77,000 |
| McLeod County Minnesota | 3 | $ 585,000 | $ 195,000 | $ 93,000 |
| Swift County Minnesota | 3 | $ 135,000 | $ 45,000 | $ 30,000 |
| Cuyahoga County Ohio | 3 | $ 145,000 | $ 48,000 | $ 246,000 |
| Adams County Wisconsin | 3 | $ 425,000 | $ 141,000 | $ 49,000 |
| Brown County Wisconsin | 3 | $ 395,000 | $ 131,000 | $ 119,000 |
| Juneau County Wisconsin | 3 | $ 545,000 | $ 181,000 | $ 57,000 |
| Langlade County Wisconsin | 3 | $ 275,000 | $ 91,000 | $ 63,000 |
| Milwaukee County Wisconsin | 3 | $ 335,000 | $ 111,000 | $ 82,000 |
| Monroe County Wisconsin | 3 | $ 315,000 | $ 105,000 | $ 80,000 |
| Rock County Wisconsin | 3 | $ 595,000 | $ 198,000 | $ 97,000 |
| Sheboygan County Wisconsin | 3 | $ 655,000 | $ 218,000 | $ 102,000 |
| Palm Beach County Florida | 2 | $ 480,000 | $ 240,000 | $ 164,000 |
| Santa Rosa County Florida | 2 | $ 460,000 | $ 230,000 | $ 97,000 |
| Aitkin County Minnesota | 2 | $ 360,000 | $ 180,000 | $ 54,000 |
| Dodge County Minnesota | 2 | $ 150,000 | $ 75,000 | $ 120,000 |
| Freeborn County Minnesota | 2 | $ 370,000 | $ 185,000 | $ 130,000 |
| Nobles County Minnesota | 2 | $ 80,000 | $ 40,000 | $ 20,000 |
| Otter Tail County Minnesota | 2 | $ 930,000 | $ 465,000 | $ 199,000 |
| Renville County Minnesota | 2 | $ 260,000 | $ 130,000 | $ 84,000 |
| Waseca County Minnesota | 2 | $ 400,000 | $ 200,000 | $ 75,000 |
| Winona County Minnesota | 2 | $ 330,000 | $ 165,000 | $ 98,000 |
| Montgomery County Ohio | 2 | $ 170,000 | $ 85,000 | $ 73,000 |
| Ross County Ohio | 2 | $ 290,000 | $ 145,000 | $ 187,000 |
| Dallas County Texas | 2 | $ 550,000 | $ 275,000 | $ 109,000 |
| Ashland County Wisconsin | 2 | $ 110,000 | $ 55,000 | $ 99,000 |
| Dodge County Wisconsin | 2 | $ 80,000 | $ 40,000 | $ 61,000 |
| Fond du Lac County Wisconsin | 2 | $ 120,000 | $ 60,000 | $ 85,000 |
| Iron County Wisconsin | 2 | $ 530,000 | $ 265,000 | $ 133,000 |
| Jefferson County Wisconsin | 2 | $ 120,000 | $ 60,000 | $ 99,000 |
| Marquette County Wisconsin | 2 | $ 80,000 | $ 40,000 | $ 120,000 |
| Sauk County Wisconsin | 2 | $ 300,000 | $ 150,000 | $ 113,000 |
| Vernon County Wisconsin | 2 | $ 620,000 | $ 310,000 | $ 101,000 |
| Maricopa County Arizona | 1 | $ 235,000 | $ 235,000 | $ 73,000 |
| Pima County Arizona | 1 | $ 605,000 | $ 605,000 | $ 163,000 |
| Routt County Colorado | 1 | $ 475,000 | $ 475,000 | $ 386,000 |
| Weld County Colorado | 1 | $ 285,000 | $ 285,000 | $ 210,000 |
| Collier County Florida | 1 | $ 1,925,000 | $ 1,925,000 | $ 637,000 |
| Flagler County Florida | 1 | $ 215,000 | $ 215,000 | $ 125,000 |
| Lee County Florida | 1 | $ 125,000 | $ 125,000 | $ 66,000 |
| Manatee County Florida | 1 | $ 665,000 | $ 665,000 | $ 180,000 |
| Orange County Florida | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Pasco County Florida | 1 | $ 135,000 | $ 135,000 | $ 74,000 |
| Pinellas County Florida | 1 | $ 455,000 | $ 455,000 | $ 356,000 |
| Sarasota County Florida | 1 | $ 445,000 | $ 445,000 | $ 1,662,000 |
| Seminole County Florida | 1 | $ 255,000 | $ 255,000 | $ 103,000 |
| Kosciusko County Indiana | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Polk County Iowa | 1 | $ 285,000 | $ 285,000 | $ 102,000 |
| Jessamine County Kentucky | 1 | $ 345,000 | $ 345,000 | $ 195,000 |
| Logan County Kentucky | 1 | $ 265,000 | $ 265,000 | $ 107,000 |
| Woodford County Kentucky | 1 | $ 375,000 | $ 375,000 | $ 195,000 |
| Gogebic County Michigan | 1 | $ 125,000 | $ 125,000 | $ 128,000 |
| Marquette County Michigan | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Cook County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 156,000 |
| Cottonwood County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 106,000 |
| Douglas County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Fillmore County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 224,000 |
| Houston County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 119,000 |
| Koochiching County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 102,000 |
| Lac qui Parle County Minnesota | 1 | $ 565,000 | $ 565,000 | $ 242,000 |
| Lake County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 105,000 |
| Martin County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 111,000 |
| Meeker County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Morrison County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 235,000 |
| Mower County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Redwood County Minnesota | 1 | $ 15,000 | $ 15,000 | $ 54,000 |
| Roseau County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 149,000 |
| Sibley County Minnesota | 1 | $ 235,000 | $ 235,000 | $ 50,000 |
| Traverse County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Clark County Nevada | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Hillsborough County New Hampshire | 1 | $ 525,000 | $ 525,000 | $ 185,000 |
| Catawba County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 107,000 |
| Union County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 247,000 |
| Minnehaha County South Dakota | 1 | $ 285,000 | $ 285,000 | $ 76,000 |
| Claiborne County Tennessee | 1 | $ 635,000 | $ 635,000 | $ 265,000 |
| Haywood County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Harris County Texas | 1 | $ 165,000 | $ 165,000 | $ 41,000 |
| Tarrant County Texas | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Weber County Utah | 1 | $ 455,000 | $ 455,000 | $ 238,000 |
| Columbia County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Door County Wisconsin | 1 | $ 505,000 | $ 505,000 | $ 155,000 |
| Florence County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 108,000 |
| Iowa County Wisconsin | 1 | $ 185,000 | $ 185,000 | $ 186,000 |
| Manitowoc County Wisconsin | 1 | $ 15,000 | $ 15,000 | $ 94,000 |
| Oconto County Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 194,000 |
| Outagamie County Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| Shawano County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 57,000 |
| Walworth County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 138,000 |
| Waupaca County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Royal Credit Union in 2023
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 | 2,614 | $708,360,000 | $270,000 | $16,505,000 | $113,000 | $1,662,000 |
| Other Purpose | 1,573 | $119,505,000 | $75,000 | $1,625,000 | $115,000 | $1,919,000 |
| Home Improvement | 1,507 | $127,025,000 | $84,000 | $13,595,000 | $118,000 | $1,138,000 |
| Cash-out Refinancing | 244 | $45,320,000 | $185,000 | $1,025,000 | $92,000 | $863,000 |
| Refinancing | 124 | $20,420,000 | $164,000 | $575,000 | $79,000 | $291,000 |
| 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 | 4,177 | $631,655,000 | $151,000 | $1,925,000 | $119,000 | $1,919,000 |
| Not Provided | 843 | $137,655,000 | $163,000 | $1,155,000 | $108,000 | $1,412,000 |
| Hispanic | 461 | $94,975,000 | $206,000 | $1,375,000 | $86,000 | $745,000 |
| Asian | 231 | $56,065,000 | $242,000 | $1,045,000 | $106,000 | $740,000 |
| Black or African American | 174 | $28,270,000 | $162,000 | $655,000 | $99,000 | $323,000 |
| Not applicable | 105 | $61,765,000 | $588,000 | $16,505,000 | $0 | $0 |
| American Indian or Alaskan Native | 42 | $6,200,000 | $147,000 | $495,000 | $95,000 | $253,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $180,000 | $90,000 | $155,000 | $166,000 | $218,000 |
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) | 5,859 | $963,745,000 | $164,000 | $16,505,000 | $114,000 | $1,919,000 |
| FHA-insured (Federal Housing Administration) | 190 | $52,410,000 | $275,000 | $525,000 | $88,000 | $357,000 |
| VA-guaranteed (Veterans Administration) | 12 | $4,330,000 | $360,000 | $655,000 | $109,000 | $151,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $145,000 | $145,000 | $145,000 | $60,000 | $60,000 |
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 | 4,407 | $805,455,000 | $182,000 | $16,505,000 | $118,000 | $1,662,000 |
| Application Withdrawn By Applicant | 817 | $136,135,000 | $166,000 | $1,925,000 | $113,000 | $1,919,000 |
| Application Denied By Financial Institution | 582 | $51,240,000 | $88,000 | $525,000 | $85,000 | $789,000 |
| File Closed For Incompleteness | 167 | $15,345,000 | $91,000 | $505,000 | $99,000 | $281,000 |
| Application Approved But Not Accepted | 89 | $12,455,000 | $139,000 | $505,000 | $103,000 | $311,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 5,480 | $969,390,000 | $176,000 | $16,505,000 | $116,000 | $1,919,000 |
| Debt-To-Income Ratio | 296 | $27,410,000 | $92,000 | $525,000 | $71,000 | $250,000 |
| Credit History | 198 | $13,200,000 | $66,000 | $485,000 | $99,000 | $789,000 |
| Collateral | 46 | $4,570,000 | $99,000 | $315,000 | $106,000 | $600,000 |
| Other | 13 | $2,095,000 | $161,000 | $405,000 | $117,000 | $227,000 |
| Employment History | 12 | $1,360,000 | $113,000 | $305,000 | $96,000 | $185,000 |
| Credit Application Incomplete | 9 | $955,000 | $106,000 | $285,000 | $113,000 | $212,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,505,000 | $215,000 | $355,000 | $74,000 | $102,000 |
| Mortgage Insurance Denied | 1 | $145,000 | $145,000 | $145,000 | $86,000 | $86,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Royal Credit Union's 2023 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.