We analyzed every closed loan from Royal Credit Union — 2.3k loans across 3k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 5 mkts
Awards
Conventional
Champion
FHA
Superstar
VA
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
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Report Card
Royal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+18.0 bps above market avg
Pull Through
Closing strength
Exceptional
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,076 | 90.1% | +0.166%Above | $1,653Fees | ||||
FHA Loans | 175 | 7.6% | +0.524%Above | $2,949Fees | ||||
VA Loans | 25 | 1.1% | -0.129%Below | $1,776Fees | ||||
Jumbo Loans | — | 26 | 1.1% | +0.529%Above | $0Fees |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume2,076
Mix90.1%
Spread
+0.166%Above
Fees
$1,653Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughExceptional
Volume175
Mix7.6%
Spread
+0.524%Above
Fees
$2,949Fees
VA Loans
OverallStrong
ProductStrong
PricingAcceptable
Pull ThroughExceptional
Volume25
Mix1.1%
Spread
-0.129%Below
Fees
$1,776Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume26
Mix1.1%
Spread
+0.529%Above
Fees
$0Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,102 | 91.2% | +0.181%Above | $1,785Fees | ||||
Refinance | 203 | 8.8% | +0.167%Above | $1,104Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughExceptional
Volume2,102
Mix91.2%
Spread
+0.181%Above
Fees
$1,785Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume203
Mix8.8%
Spread
+0.167%Above
Fees
$1,104Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,305
Applications
2,804
Volume
$666 million
Pricing & Closing
Avg Rate Spread
+0.180%
vs. market APOR
Avg Net Fees
$1,713
Origination − Credits
Pullthrough Rate
82.2%
Applications → Closed
Typical Borrower
Avg Loan Amount
$289,126
Avg Borrower Income
$112,222
Avg Property Value
$364,475
Geographic Coverage
Geographic Performance
Metro Areas
5
markets with activity
States Served
20
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
20Northeast1
NH
Midwest9
IAILINMIMNNDNEOHWI
South6
FLGAMDNCTNTX
West4
AKAZCAWA
Top Metro Areas by Place Specialization Score
Volume 569Mix 24.69% of portfolio
100/100
Exceptional
Volume 1,191Mix 51.67% of portfolio
91/100
Exceptional
Volume 26Mix 1.13% of portfolio
57/100
Sound
Volume 14Mix 0.61% of portfolio
44/100
Sound
Volume 13Mix 0.56% of portfolio
44/100
SoundTop States by Place Specialization Score
1
WisconsinState
Volume 1,070Mix 46.42% of portfolio
90/100
Exceptional2
MinnesotaState
Volume 1,205Mix 52.28% of portfolio
89/100
ExceptionalHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.