Royal United Mortgage
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
Promptness
Not enough data
—/5
No quote responses measured yet
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
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
5,094 loans · 1.15% above market
Strong
Top 40% of lenders
4/5
FHA
750 loans · 1.29% above market
Strong
Top 40% of lenders
4/5
VA
129 loans · 0.57% above market
Strong
Top 40% of lenders
4/5
USDA
11 loans · 1.66% above market
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
205 loans · 0.81% above market
Acceptable
Bottom 40% of lenders
2/5
Refinance
5,780 loans · 1.20% above market
Exceptional
Top 20% of lenders
5/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 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 | 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 |
Conventional
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume5,094
Mix85.1%
Spread
+1.151%Above
Fees
$2,677Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume750
Mix12.5%
Spread
+1.290%Above
Fees
$2,812Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume129
Mix2.2%
Spread
+0.566%Above
Fees
$4,287Fees
USDA Loans
OverallSound
ProductSound
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 | 205 | 3.4% | +0.805%Above | $2,400Fees | ||||
Refinance | 5,780 | 96.6% | +1.196%Above | $2,742Fees |
Purchase
OverallAcceptable
ProductAcceptable
PricingAcceptable
Pull ThroughAcceptable
Volume205
Mix3.4%
Spread
+0.805%Above
Fees
$2,400Fees
Refinance
OverallSound
ProductExceptional
PricingMediocre
Pull ThroughStrong
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
49
markets with activity
States Served
33
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
33Full-year 2024 · HMDALoans originated
< 100100–200200+None
Northeast3
NJNYPA
Midwest9
IAILINKSMIMNMOOHWI
South15
ALARFLGAKYLAMDMSNCOKSCTNTXVAWV
West6
AZCACONMORWA
Top Metro Areas by Place Specialization Score
4© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 89Mix 1.49% of portfolio
64/100
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 33 states
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.