# ROYAL UNITED MORTGAGE LLC

> **Canonical URL:** https://saferate.com/lenders/royal-united-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ROYAL UNITED MORTGAGE LLC is a independent mortgage company, headquartered in Indianapolis, IN, serving borrowers across 33 states, with 5,985 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 95% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300UG7QXKM7KGV847
- **Headquarters:** Indianapolis, IN
- **Geographic Reach:** Near-National
- **States Served:** 33
- **State List:** AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, NJ, NM, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 5/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +1.161%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,712
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 5,985
- **Dollar Volume:** $755 million
- **Applications Received:** 10,112
- **Market Share:** 17.00%

## Typical Borrower Profile

- **Average Loan Amount:** $126,093
- **Average Borrower Income:** $63,726
- **Average Property Value:** $259,048

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 77/100 | 5,094 | +1.151% | $2,677 | Strong 😀 |
| FHA | 74/100 | 750 | +1.290% | $2,812 | Strong 😀 |
| VA | 70/100 | 129 | +0.566% | $4,287 | Strong 😀 |
| USDA | 47/100 | 11 | +1.656% | $3,272 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 168 loans, Score: 38/100 (Acceptable)
- Refinance: 4,926 loans, Score: 88/100 (Exceptional)

**FHA:**
- Purchase: 33 loans, Score: 40/100 (Acceptable)
- Refinance: 717 loans, Score: 85/100 (Exceptional)

**VA:**
- Refinance: 125 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 205 | $37M | +0.805% | Acceptable 🙂 |
| Refinance | 88/100 | 5,780 | $717M | +1.196% | Exceptional 🤩 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 1,105 | 0.32% | 78/100 |
| IN | 439 | 0.48% | 74/100 |
| OH | 380 | 0.28% | 71/100 |
| PA | 310 | 0.26% | 70/100 |
| FL | 306 | 0.10% | 63/100 |
| IL | 276 | 0.22% | 69/100 |
| MI | 267 | 0.24% | 67/100 |
| NY | 243 | 0.21% | 67/100 |
| GA | 241 | 0.17% | 67/100 |
| MO | 201 | 0.27% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,539 | 81/100 |
| Houston | TX | 264 | 71/100 |
| Indianapolis | IN | 147 | 68/100 |
| Dallas | TX | 140 | 64/100 |
| St. Louis, MO | MO-IL | 96 | 63/100 |
| San Antonio | TX | 94 | 61/100 |
| Fort Worth | TX | 89 | 64/100 |
| Chicago | IL | 83 | 58/100 |
| Pittsburgh, PA | PA | 81 | 64/100 |
| Atlanta | GA | 75 | 57/100 |
| Cleveland, OH | OH | 75 | 61/100 |
| Cincinnati, OH |  | 57 | 58/100 |
| Detroit | MI | 55 | 58/100 |
| Kansas City, MO | MO-KS | 49 | 54/100 |
| Charlotte | NC-SC | 46 | 54/100 |

## Where This Lender Ranks

ROYAL UNITED MORTGAGE LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Lawton, OK for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Wichita Falls, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/wichita-falls-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in San Angelo, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Terre Haute, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#11** in Springfield, IL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#12** in Lawton, OK for Conventional Loans
  - [View Full Rankings](https://saferate.com/lawton-ok/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Charleston, WV for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#13** in Mansfield, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mansfield-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Rochester, NY for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#14** in San Angelo, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-angelo-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#14** in Joplin, MO for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/joplin-mo/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#14** in Utica for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/utica/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in South Bend Mortgage Companies
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Kokomo, IN for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kokomo-in/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#16** in Rochester, NY for VA Loans
  - [View Full Rankings](https://saferate.com/rochester-ny/best-mortgage-lenders/va-loans)
- 🏆 **#16** in Laredo, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/laredo-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Huntington for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#17** in Springfield, OH for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/springfield-oh/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in Columbus, GA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/columbus-ga/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#19** in Shreveport for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does ROYAL UNITED MORTGAGE LLC offer?

ROYAL UNITED MORTGAGE LLC offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ROYAL UNITED MORTGAGE LLC offer mortgages?

ROYAL UNITED MORTGAGE LLC offers mortgages in 33 states: AL, AR, AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, NC, NJ, NM, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV.

### How competitive are ROYAL UNITED MORTGAGE LLC's mortgage rates?

ROYAL UNITED MORTGAGE LLC has a pricing score of 5/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.161% above market average.

### What type of lender is ROYAL UNITED MORTGAGE LLC?

ROYAL UNITED MORTGAGE LLC is a non-depository lender that specializes in mortgage origination, headquartered in Indianapolis, IN.

### What is ROYAL UNITED MORTGAGE LLC's loan approval success rate?

ROYAL UNITED MORTGAGE LLC has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/royal-united-mortgage

### How to Cite

> "ROYAL UNITED MORTGAGE LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/royal-united-mortgage

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