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
Promptness
Not enough data
—/5
No quote responses measured yet
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
Explore another lender or local market
Report Card
Royal Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+18.0 bps above market avg
4/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
2,076 loans · 0.17% above market
Exceptional
Top 20% of lenders
5/5
FHA
175 loans · 0.52% above market
Strong
Top 40% of lenders
4/5
VA
25 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
Jumbo
26 loans · 0.53% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,102 loans · 0.18% above market
Exceptional
Top 20% of lenders
5/5
Refinance
203 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 6 markets
Strong
Top 40% of lenders
4/5
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
20Full-year 2024 · HMDALoans originated
< 1,0001,000+None
Northeast1
NH
Midwest9
IAILINMIMNNDNEOHWI
South6
FLGAMDNCTNTX
West4
AKAZCAWA
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.
Looking for a different lender?
Are you the owner of Royal Credit Union?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
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.