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ROYAL UNITED MORTGAGE LLC
Independent Mortgage Company|Indianapolis, IN|Near-National
Loans Originated
5,985
Applications
10,112
Volume
$754 million
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+1.161%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,712
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
59.2%
Percentage of applications that result in closed loans
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
Report Card
ROYAL UNITED MORTGAGE LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
USDA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Exceptional | Market Leader | |
Places Geographic coverage | Sound | Near-National · 50 metro areas · 33 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$126,093
Average Borrower Income
$63,726
Average Property Value
$259,048
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% | $2,677 |
FHA Loans | Acceptable | Strong | Mediocre | Sound | 750 | 12.5% | +1.290% | $2,812 |
VA Loans | Sound | Strong | N/A | Sound | 129 | 2.2% | +0.566% | $4,287 |
USDA Loans | Sound | Sound | N/A | N/A | 11 | 0.2% | +1.656% | $3,272 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Acceptable | 205 | 3.4% | +0.805% | $2,400 |
Refinance | Sound | Exceptional | Mediocre | Strong | 5,780 | 96.6% | +1.196% | $2,742 |
Geographic Coverage
Metro Areas
49
States Served
33
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
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Top Metro Areas by Place Specialization Score
1
Houston, TXMSA
Volume: 264Mix: 4.41%
Place Specialization
Strong
2
Indianapolis, INMSA
Volume: 147Mix: 2.46%
Place Specialization
Strong
3
Dallas, TXMSA
Volume: 140Mix: 2.34%
Place Specialization
Strong
4
Fort Worth, TXMSA
Volume: 89Mix: 1.49%
Place Specialization
Strong
5
Pittsburgh, PA, PAMSA
Volume: 81Mix: 1.35%
Place Specialization
Strong
6
St. Louis, MO, MO-ILMSA
Volume: 96Mix: 1.60%
Place Specialization
Strong
7
San Antonio, TXMSA
Volume: 94Mix: 1.57%
Place Specialization
Strong
8
Cleveland, OH, OHMSA
Volume: 75Mix: 1.25%
Place Specialization
Strong
9
Cincinnati, OHMSA
Volume: 57Mix: 0.95%
Place Specialization
Sound
10
Chicago, ILMSA
Volume: 83Mix: 1.39%
Place Specialization
Sound
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 1,105Mix: 18.46%
Place Specialization
Strong
2
INState
Volume: 439Mix: 7.34%
Place Specialization
Strong
3
OHState
Volume: 380Mix: 6.35%
Place Specialization
Strong
4
PAState
Volume: 310Mix: 5.18%
Place Specialization
Strong
5
ALState
Volume: 176Mix: 2.94%
Place Specialization
Strong
6
ILState
Volume: 276Mix: 4.61%
Place Specialization
Strong
7
SCState
Volume: 179Mix: 2.99%
Place Specialization
Strong
8
KYState
Volume: 159Mix: 2.66%
Place Specialization
Strong
9
MIState
Volume: 267Mix: 4.46%
Place Specialization
Strong
10
NYState
Volume: 243Mix: 4.06%
Place Specialization
Strong
Showing 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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