Applications / Mortgage Analytics / Lenders / Wisconsin / Royal Bank
Elroy, WI · State non-member bank · FDIC · $799 million assets · 247 loans in 2025
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247
loans originated, 2025
338
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Royal Bank, a country lender in Wisconsin, lends to poorer borrowers more often than most similar banks and gained ground in La Crosse in 2025.
Low- and moderate-income (LMI) borrowers took 40.0% of its loans, up from 34.2%, against 28.1% at similar banks (state non-member banks making between half and twice as many loans). That is higher than at nearly nine in ten of them.
It ranks 66 of 659 lenders in non-metro Wisconsin, where Summit Credit Union leads. None of its loans were in majority-minority areas, against 6.5% at similar banks; the non-metro markets it serves are a possible reason. Manufactured homes were 11.7% of its loans, against 2.5%.
Its share of La Crosse-Onalaska rose to 1.1% from 0.4%, ranking it 25 of 213 lenders; Altra Federal Credit Union leads. In 2025 it first lent in Fond du Lac.
Its loans fell 3% to 247, while similar banks grew 9% and the whole market 10%. Dollars rose to $48.3 million from $41.2 million. Purchases were 63.6% of its loans. It made 953 loans in 2020.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Royal Bank took 338 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.6% · Refinance 30.0% · Other 4.0% · Home improvement 2.4%
Conventional 100.0% · of 247 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 243 | 98.4% |
| Illinois | 2 | 0.8% |
| Iowa | 1 | 0.4% |
| Minnesota | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| La Crosse-Onalaska | 43 |
| Madison | 19 |
| Milwaukee-Waukesha | 2 |
| Chicago-Naperville-Schaumburg | 1 |
| Dubuque | 1 |
| Eau Claire | 1 |
| Fond du Lac | 1 |
| Wausau | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YKMWXBZEEA1471 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 532042 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313454 | 2004–2017 |
Established 30 April 1932. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Royal Bank's data.
Royal Bank's data
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