What loan types does Royal United Mortgage offer?

Royal United Mortgage offers the following mortgage loan types: FHA, Conventional, VA, usda. Each product has its own pricing score and performance metrics.

Where does Royal United Mortgage offer mortgages?

Royal United Mortgage 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's mortgage rates?

Royal United Mortgage has an overall pricing score of 4.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Royal United Mortgage?

Royal United Mortgage is a Independent Mortgage Company headquartered in Indianapolis, IN.

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Royal United Mortgage

Independent Mortgage Company•Indianapolis, INHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Royal United Mortgage — 6.0k loans across 10k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Strong

4/5

FHA · Conventional · VA · USDA

Place

Sound

3/5

Near-National · 49 mkts

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA loans
Nationwide availability with consistent service

Things to Think About

Rates typically 116 basis points above market average

Explore another lender or local market

Report Card

Royal United Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+116.1 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

USDA

Sound

Top 60% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Exceptional

Top 20% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Strong	Mediocre	Strong	5,094	85.1%	+1.151%Above	$2,677Fees
FHA Loans	Sound	Strong	Mediocre	Sound	750	12.5%	+1.290%Above	$2,812Fees
VA Loans	Strong	Strong	—	Sound	129	2.2%	+0.566%Above	$4,287Fees
USDA Loans	Sound	Sound	—	—	11	0.2%	+1.656%Above	$3,272Fees

Conventional

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Strong

Volume5,094

Mix85.1%

Spread

+1.151%Above

Fees

$2,677Fees

FHA Loans

Overall

Sound

Product

Strong

Pricing

Mediocre

Pull Through

Sound

Volume750

Mix12.5%

Spread

+1.290%Above

Fees

$2,812Fees

VA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume129

Mix2.2%

Spread

+0.566%Above

Fees

$4,287Fees

USDA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume11

Mix0.2%

Spread

+1.656%Above

Fees

$3,272Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	205	3.4%	+0.805%Above	$2,400Fees
Refinance	Sound	Exceptional	Mediocre	Strong	5,780	96.6%	+1.196%Above	$2,742Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume205

Mix3.4%

Spread

+0.805%Above

Fees

$2,400Fees

Refinance

Overall

Sound

Product

Exceptional

Pricing

Mediocre

Pull Through

Strong

Volume5,780

Mix96.6%

Spread

+1.196%Above

Fees

$2,742Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

5,985

Applications

10,112

Volume

$754 million

Pricing & Closing

Avg Rate Spread

+1.161%

vs. market APOR

Avg Net Fees

$2,712

Origination − Credits

Pullthrough Rate

59.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$126,093

Avg Borrower Income

$63,726

Avg Property Value

$259,048

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast3

NJNYPA

Midwest9

IAILINKSMIMNMOOHWI

South15

ALARFLGAKYLAMDMSNCOKSCTNTXVAWV

West6

AZCACONMORWA

Top Metro Areas by Place Specialization Score

1© David Daniel Turner · CC BY 4.0

Houston, TXMetro

Volume 264Mix 4.41% of portfolio

71/100

Strong

2© TheWxResearcher · CC0

Indianapolis, INMetro

Volume 147Mix 2.46% of portfolio

68/100

Strong

3© Michael Barera · CC BY-SA 4.0

Dallas, TXMetro

Volume 140Mix 2.34% of portfolio

64/100

Strong

4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0

Fort Worth, TXMetro

Volume 89Mix 1.49% of portfolio

64/100

Strong

5© Dan Gaken · CC BY 2.0

Pittsburgh, PAMetro

Volume 81Mix 1.35% of portfolio

64/100

Strong

St. Louis, MO, MO-ILMetro

Volume 96Mix 1.60% of portfolio

63/100

Strong

San Antonio, TXMetro

Volume 94Mix 1.57% of portfolio

61/100

Strong

Cleveland, OHMetro

Volume 75Mix 1.25% of portfolio

61/100

Strong

Cincinnati, OHMetro

Volume 57Mix 0.95% of portfolio

58/100

Sound

Chicago, ILMetro

Volume 83Mix 1.39% of portfolio

58/100

Sound

Showing 10 of 49 metro areas

Top States by Place Specialization Score

TexasState

Volume 1,105Mix 18.46% of portfolio

78/100

Strong

IndianaState

Volume 439Mix 7.34% of portfolio

74/100

Strong

OhioState

Volume 380Mix 6.35% of portfolio

71/100

Strong

PennsylvaniaState

Volume 310Mix 5.18% of portfolio

70/100

Strong

AlabamaState

Volume 176Mix 2.94% of portfolio

69/100

Strong

IllinoisState

Volume 276Mix 4.61% of portfolio

69/100

Strong

South CarolinaState

Volume 179Mix 2.99% of portfolio

68/100

Strong

KentuckyState

Volume 159Mix 2.66% of portfolio

68/100

Strong

MichiganState

Volume 267Mix 4.46% of portfolio

67/100

Strong

New YorkState

Volume 243Mix 4.06% of portfolio

67/100

Strong

Showing 10 of 33 states

How 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.