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We analyzed every closed loan from Royal United Mortgage — 6.0k loans across 10k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
FHA · Conventional · VA · USDA
Place
Sound
Near-National · 49 mkts
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Safe Rate's 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 LLC performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +116.1 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Highly Competitive Top 40% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Industry Standard Top 60% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Near industry average Bottom 40% of lenders | |
Refinance | Market Leader Top 20% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders Near-National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 5,094 | 85.1% | +1.151%Above | $2,677Fees | ||||
FHA Loans | 750 | 12.5% | +1.290%Above | $2,812Fees | ||||
VA Loans | — | 129 | 2.2% | +0.566%Above | $4,287Fees | |||
USDA Loans | — | — | 11 | 0.2% | +1.656%Above | $3,272Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 205 | 3.4% | +0.805%Above | $2,400Fees | ||||
Refinance | 5,780 | 96.6% | +1.196%Above | $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
49
States Served
33
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOFLGAIAILINKSKYLAMDMIMNMOMSNCNJNMNYOHOKORPASCTNTXVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 264Mix: 4.41%of portfolio
Place
Strong2
Indianapolis, INMSA
Volume: 147Mix: 2.46%of portfolio
Place
Strong3
Dallas, TXMSA
Volume: 140Mix: 2.34%of portfolio
Place
Strong4
Fort Worth, TXMSA
Volume: 89Mix: 1.49%of portfolio
Place
Strong5
Pittsburgh, PA, PAMSA
Volume: 81Mix: 1.35%of portfolio
Place
Strong6
St. Louis, MO, MO-ILMSA
Volume: 96Mix: 1.60%of portfolio
Place
Strong7
San Antonio, TXMSA
Volume: 94Mix: 1.57%of portfolio
Place
Strong8
Cleveland, OH, OHMSA
Volume: 75Mix: 1.25%of portfolio
Place
Strong9
Cincinnati, OHMSA
Volume: 57Mix: 0.95%of portfolio
Place
Sound10
Chicago, ILMSA
Volume: 83Mix: 1.39%of portfolio
Place
SoundShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,105Mix: 18.46%of portfolio
Place
Strong2
INState
Volume: 439Mix: 7.34%of portfolio
Place
Strong3
OHState
Volume: 380Mix: 6.35%of portfolio
Place
Strong4
PAState
Volume: 310Mix: 5.18%of portfolio
Place
Strong5
ALState
Volume: 176Mix: 2.94%of portfolio
Place
Strong6
ILState
Volume: 276Mix: 4.61%of portfolio
Place
Strong7
SCState
Volume: 179Mix: 2.99%of portfolio
Place
Strong8
KYState
Volume: 159Mix: 2.66%of portfolio
Place
Strong9
MIState
Volume: 267Mix: 4.46%of portfolio
Place
Strong10
NYState
Volume: 243Mix: 4.06%of portfolio
Place
StrongShowing 10 of 33 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.