Royal Bank
Royal Bank received 338 applications in 2025 and made 247 mortgages, in 28 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $155,000. Of 293 decisions, 38 were denials — 13.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300YKMWXBZEEA1471 |
|---|---|
| Applications received | 338 |
| Mortgages made | 247 |
| Denied | 38 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 45 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.707 points |
| FDIC-insured bank | Yes: Royal Bank, 21 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 157 | 6.750% | $185,000 | 11.1% |
| Refinancing | 67 | 7.375% | $135,000 | 12.7% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 46.7% |
| Other purposes | 16 | 7.500% | $65,000 | 5.6% |
Where Royal Bank lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Juneau County, WI | 49 | 7.000% | 10.7% |
| Grant County, WI | 45 | 7.000% | 7.7% |
| Vernon County, WI | 39 | 6.750% | 9.1% |
| Adams County, WI | 24 | 7.000% | 20.0% |
| Iowa County, WI | 16 | 7.250% | 22.7% |
| Crawford County, WI | 15 | 6.750% | 0.0% |
| Sauk County, WI | 14 | 7.125% | 28.6% |
| Richland County, WI | 12 | 6.805% | 7.1% |
| Marquette County, WI | 7 | Under 10 loans | 36.4% |
| Monroe County, WI | 6 | Under 10 loans | 14.3% |
| La Crosse County, WI | 4 | Under 10 loans | 0.0% |
| Dane County, WI | 3 | Under 10 loans | 0.0% |
| Carroll County, IL | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Dubuque County, IA | 1 | Under 10 loans | 0.0% |
| Winona County, MN | 1 | Under 10 loans | 0.0% |
| Chippewa County, WI | 1 | Under 10 loans | 0.0% |
| Florence County, WI | 1 | Under 10 loans | 0.0% |
| Fond du Lac County, WI | 1 | Under 10 loans | 0.0% |
| Marathon County, WI | 1 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 1 | Under 10 loans | 0.0% |
| Vilas County, WI | 1 | Under 10 loans | 0.0% |
| Washburn County, WI | 1 | Under 10 loans | 0.0% |
| Washington County, WI | 1 | Under 10 loans | 0.0% |
| Waupaca County, WI | 1 | Under 10 loans | 0.0% |
| Clayton County, IA | 0 | Under 10 loans | Not published |
| Racine County, WI | 0 | Under 10 loans | 100.0% |
| Wood County, WI | 0 | Under 10 loans | Not published |
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When Royal Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.