What loan types does Royal Bank offer?

Royal Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does Royal Bank offer mortgages?

Royal Bank offers mortgages in 2 states: IA, WI.

How competitive are Royal Bank's mortgage rates?

Royal Bank has an overall pricing score of 68.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Royal Bank?

Royal Bank is a Bank headquartered in Elroy, WI.

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Royal Bank

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Royal Bank has 157 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Sound

3/5

Regional · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Explore another lender or local market

Report Card

Royal Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+12.5 bps above market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

156 loans · 0.13% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

118 loans · 0.16% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

39 loans · 0.03% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Strong	Sound	156	99.4%	+0.125%Above	$1,294Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume156

Mix99.4%

Spread

+0.125%Above

Fees

$1,294Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	118	75.2%	+0.162%Above	$1,318Fees
Refinance	Sound	Sound	Strong	Sound	39	24.8%	-0.027%Below	$1,196Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume118

Mix75.2%

Spread

+0.162%Above

Fees

$1,318Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume39

Mix24.8%

Spread

-0.027%Below

Fees

$1,196Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

157

Applications

227

Volume

$29 million

Pricing & Closing

Avg Rate Spread

+0.125%

vs. market APOR

Avg Net Fees

$1,294

Origination − Credits

Pullthrough Rate

69.2%

Applications → Closed

Typical Borrower

Avg Loan Amount

$190,732

Avg Borrower Income

$107,796

Avg Property Value

$298,312

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

2Full-year 2024 · HMDA

Loans originated

All statesNone

Midwest2

IAWI

Top Metro Areas by Place Specialization Score

Madison, WIMetro

Volume 14Mix 8.92% of portfolio

49/100

Sound

La Crosse, WI-MNMetro

Volume 11Mix 7.01% of portfolio

47/100

Sound

Top States by Place Specialization Score

WisconsinState

Volume 154Mix 98.09% of portfolio

75/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.