Royal United Mortgage Rates, Fees & Info

Indianapolis, IN

LEI: 549300UG7QXKM7KGV847

Tax ID: 26-1773722

1 stars - out of 5 stars, based on 116 reviews

2020 Data | 2019 Data | 2018 Data


Overview

Royal United Mortgage is a small mortgage company specializing in Refi loans. Royal United Mortgage has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Indianapolis, Houston, Dallas, Chicago, and Tampa among others. They have an average approval rate for mortages when compared nationally -- and they have an average pick rate when compared to the same sample of other lendors. Royal United Mortgage is typically a high fee lendor.


Originations

13,437

Origination Dollar Volume (All Markets)

$1,784,025,000
Show all (15) awards

Relative Rate

Royal United Mortgage 's average 30 year fixed rate mortgage of loans were 3.35%.

The 2020 average 30 year fixed rate mortgage across all markets of loans were 3.36%.

This yields a difference of -0.01%.

Relative Fees

Royal United Mortgage 's average total fees for a 30 year fixed rate mortgage are $6,699.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $5,021.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Outside of Metro Areas 2,234 $242,500,000 $108,550 $6,165 3.35%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 952 $164,420,000 $172,710 $4,935 3.06%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 493 $71,075,000 $144,168 $8,012 3.24%
DALLAS-PLANO-IRVING, TX (FHA|USDA|VA) 323 $49,775,000 $154,102 $8,294 3.16%
CHICAGO-NAPERVILLE-EVANSTON, IL (FHA|USDA|VA) 285 $47,115,000 $165,316 $6,022 3.20%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 252 $31,000,000 $123,016 $7,027 3.08%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 215 $29,735,000 $138,302 $5,858 3.10%
FORT WORTH-ARLINGTON-GRAPEVINE, TX (FHA|USDA|VA) 209 $27,375,000 $130,981 $7,776 3.22%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 205 $27,035,000 $131,878 $6,135 3.41%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 133 $24,285,000 $182,594 $8,373 3.08%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 157 $22,415,000 $142,771 $6,775 3.11%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 143 $21,955,000 $153,531 $7,379 3.06%
ST. LOUIS, MO-IL (FHA|USDA|VA) 168 $21,050,000 $125,298 $5,955 3.14%
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ (FHA|USDA|VA) 71 $19,125,000 $269,366 $11,724 3.17%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 136 $17,960,000 $132,059 $7,479 3.30%
WARREN-TROY-FARMINGTON HILLS, MI (FHA|USDA|VA) 150 $17,250,000 $115,000 $6,610 3.04%
JACKSONVILLE, FL (FHA|USDA|VA) 131 $17,205,000 $131,336 $7,008 3.24%
PITTSBURGH, PA (FHA|USDA|VA) 160 $17,020,000 $106,375 $6,991 3.15%
KANSAS CITY, MO-KS (FHA|USDA|VA) 139 $16,185,000 $116,439 $6,194 3.21%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 106 $14,570,000 $137,453 $6,825 3.13%
COLUMBUS, OH (FHA|USDA|VA) 111 $13,615,000 $122,658 $7,179 3.13%
WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL (FHA|USDA|VA) 89 $13,495,000 $151,629 $7,390 3.04%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 127 $13,345,000 $105,079 $6,760 3.38%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 104 $13,040,000 $125,385 $7,008 3.14%
FORT LAUDERDALE-POMPANO BEACH-SUNRISE, FL (FHA|USDA|VA) 87 $12,855,000 $147,759 $7,922 2.98%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 70 $12,450,000 $177,857 $8,012 3.14%
LOS ANGELES-LONG BEACH-GLENDALE, CA (FHA|USDA|VA) 49 $12,225,000 $249,490 $10,190 2.96%
NASSAU COUNTY-SUFFOLK COUNTY, NY (FHA|USDA|VA) 47 $11,455,000 $243,723 $11,487 3.14%
GARY, IN (FHA|USDA|VA) 93 $11,455,000 $123,172 $6,036 3.14%
NORTH PORT-SARASOTA-BRADENTON, FL (FHA|USDA|VA) 81 $10,975,000 $135,494 $7,305 3.07%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 77 $10,755,000 $139,675 $7,208 2.95%
RALEIGH-CARY, NC (FHA|USDA|VA) 75 $10,595,000 $141,267 $6,174 3.27%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 85 $10,275,000 $120,882 $5,965 3.34%
MIAMI-MIAMI BEACH-KENDALL, FL (FHA|USDA|VA) 62 $10,040,000 $161,935 $7,574 3.12%
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA (FHA|USDA|VA) 58 $10,030,000 $172,931 $8,420 3.02%
NEW BRUNSWICK-LAKEWOOD, NJ (FHA|USDA|VA) 58 $9,700,000 $167,241 $6,969 3.38%
OKLAHOMA CITY, OK (FHA|USDA|VA) 81 $9,385,000 $115,864 $7,030 3.11%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 61 $9,265,000 $151,885 $7,557 3.12%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 64 $8,580,000 $134,063 $7,289 3.12%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 69 $8,565,000 $124,130 $7,435 3.06%
DETROIT-DEARBORN-LIVONIA, MI (FHA|USDA|VA) 81 $8,475,000 $104,630 $6,443 3.22%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 34 $8,310,000 $244,412 $6,130 3.15%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 67 $7,805,000 $116,493 $5,852 3.41%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 64 $7,800,000 $121,875 $6,203 3.71%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 58 $7,690,000 $132,586 $6,452 3.47%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 71 $7,645,000 $107,676 $6,513 3.34%
PHILADELPHIA, PA (FHA|USDA|VA) 57 $7,615,000 $133,596 $7,872 3.31%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 47 $7,535,000 $160,319 $8,134 3.20%
WINSTON-SALEM, NC (FHA|USDA|VA) 60 $7,390,000 $123,167 $5,832 3.45%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 58 $7,300,000 $125,862 $6,083 3.52%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 54 $7,290,000 $135,000 $6,920 3.08%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 62 $7,200,000 $116,129 $6,938 3.24%
PORT ST. LUCIE, FL (FHA|USDA|VA) 57 $7,195,000 $126,228 $7,359 3.03%
OCALA, FL (FHA|USDA|VA) 62 $7,070,000 $114,032 $6,447 3.18%
RICHMOND, VA (FHA|USDA|VA) 51 $7,025,000 $137,745 $7,551 3.21%
NEWARK, NJ-PA (FHA|USDA|VA) 41 $6,915,000 $168,659 $7,230 3.30%
CAMDEN, NJ (FHA|USDA|VA) 57 $6,875,000 $120,614 $5,113 3.41%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 55 $6,865,000 $124,818 $6,590 3.09%
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV (FHA|USDA|VA) 35 $6,695,000 $191,286 $9,226 3.03%
KNOXVILLE, TN (FHA|USDA|VA) 54 $6,610,000 $122,407 $6,375 3.28%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 41 $6,495,000 $158,415 $8,444 3.02%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 52 $6,480,000 $124,615 $7,060 3.42%
PUNTA GORDA, FL (FHA|USDA|VA) 51 $6,405,000 $125,588 $6,802 3.14%
AKRON, OH (FHA|USDA|VA) 61 $6,295,000 $103,197 $6,610 3.15%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 51 $6,265,000 $122,843 $7,198 3.16%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 33 $6,125,000 $185,606 $6,473 3.23%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 51 $6,125,000 $120,098 $5,718 3.62%
DAYTON-KETTERING, OH (FHA|USDA|VA) 51 $5,925,000 $116,176 $6,951 3.20%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 48 $5,880,000 $122,500 $6,448 3.16%
FORT WAYNE, IN (FHA|USDA|VA) 52 $5,750,000 $110,577 $5,693 3.25%
EL PASO, TX (FHA|USDA|VA) 53 $5,745,000 $108,396 $7,006 3.47%
TULSA, OK (FHA|USDA|VA) 49 $5,665,000 $115,612 $7,301 3.21%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 18 $5,530,000 $307,222 $10,786 3.02%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 51 $5,525,000 $108,333 $5,577 3.18%
ELGIN, IL (FHA|USDA|VA) 36 $5,490,000 $152,500 $6,529 3.13%
TOLEDO, OH (FHA|USDA|VA) 51 $5,325,000 $104,412 $6,512 3.29%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 36 $5,160,000 $143,333 $7,311 3.49%
LAKE COUNTY-KENOSHA COUNTY, IL-WI (FHA|USDA|VA) 37 $5,115,000 $138,243 $6,103 3.25%
HUNTSVILLE, AL (FHA|USDA|VA) 38 $4,980,000 $131,053 $5,783 3.27%
SEATTLE-BELLEVUE-KENT, WA (FHA|USDA|VA) 24 $4,780,000 $199,167 $8,088 2.99%
READING, PA (FHA|USDA|VA) 34 $4,650,000 $136,765 $8,103 3.18%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 34 $4,400,000 $129,412 $5,897 3.15%
CORPUS CHRISTI, TX (FHA|USDA|VA) 30 $4,390,000 $146,333 $7,859 3.00%
TERRE HAUTE, IN (FHA|USDA|VA) 33 $4,245,000 $128,636 $5,221 3.28%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 28 $4,180,000 $149,286 $8,008 2.97%
SPRINGFIELD, MO (FHA|USDA|VA) 36 $4,160,000 $115,556 $5,520 3.28%
TUCSON, AZ (FHA|USDA|VA) 35 $4,105,000 $117,286 $6,945 3.11%
ROCHESTER, NY (FHA|USDA|VA) 38 $4,070,000 $107,105 $6,046 3.60%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 36 $4,070,000 $113,056 $6,282 3.31%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 34 $4,050,000 $119,118 $5,899 3.39%
BATON ROUGE, LA (FHA|USDA|VA) 35 $4,035,000 $115,286 $6,685 3.16%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 42 $4,000,000 $95,238 $6,315 3.34%
COLORADO SPRINGS, CO (FHA|USDA|VA) 23 $3,985,000 $173,261 $9,677 3.09%
CANTON-MASSILLON, OH (FHA|USDA|VA) 40 $3,980,000 $99,500 $6,435 3.19%
COLUMBIA, SC (FHA|USDA|VA) 34 $3,970,000 $116,765 $5,754 3.65%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 32 $3,940,000 $123,125 $7,248 3.17%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 31 $3,925,000 $126,613 $7,267 3.33%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 23 $3,875,000 $168,478 $7,417 3.16%
THE VILLAGES, FL (FHA|USDA|VA) 26 $3,870,000 $148,846 $7,347 2.99%
TALLAHASSEE, FL (FHA|USDA|VA) 29 $3,855,000 $132,931 $7,581 3.27%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 33 $3,835,000 $116,212 $5,603 3.41%
LANCASTER, PA (FHA|USDA|VA) 29 $3,795,000 $130,862 $7,932 3.04%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 30 $3,770,000 $125,667 $6,490 3.30%
MOBILE, AL (FHA|USDA|VA) 36 $3,730,000 $103,611 $5,992 3.55%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 32 $3,700,000 $115,625 $6,757 3.37%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 35 $3,585,000 $102,429 $6,381 3.70%
WICHITA, KS (FHA|USDA|VA) 35 $3,575,000 $102,143 $6,091 3.18%
ROANOKE, VA (FHA|USDA|VA) 29 $3,555,000 $122,586 $7,004 3.04%
TYLER, TX (FHA|USDA|VA) 25 $3,545,000 $141,800 $7,759 3.21%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 21 $3,495,000 $166,429 $8,262 2.84%
ASHEVILLE, NC (FHA|USDA|VA) 23 $3,495,000 $151,957 $6,439 3.16%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 26 $3,350,000 $128,846 $6,477 3.18%
LONGVIEW, TX (FHA|USDA|VA) 30 $3,340,000 $111,333 $7,008 3.30%
FAYETTEVILLE, NC (FHA|USDA|VA) 30 $3,330,000 $111,000 $5,413 3.45%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 29 $3,315,000 $114,310 $6,735 3.52%
ALBUQUERQUE, NM (FHA|USDA|VA) 25 $3,295,000 $131,800 $7,325 2.80%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 26 $3,290,000 $126,538 $6,841 3.29%
FLINT, MI (FHA|USDA|VA) 30 $3,270,000 $109,000 $6,662 3.17%
OAKLAND-BERKELEY-LIVERMORE, CA (FHA|USDA|VA) 14 $3,220,000 $230,000 $8,998 3.14%
YORK-HANOVER, PA (FHA|USDA|VA) 24 $3,190,000 $132,917 $7,893 3.11%
WACO, TX (FHA|USDA|VA) 27 $3,155,000 $116,852 $7,215 3.18%
LUBBOCK, TX (FHA|USDA|VA) 29 $3,065,000 $105,690 $6,982 3.27%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 17 $3,045,000 $179,118 $9,367 3.26%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 7 $2,855,000 $407,857 $14,096 3.07%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 27 $2,785,000 $103,148 $6,593 3.26%
BLOOMINGTON, IN (FHA|USDA|VA) 21 $2,755,000 $131,190 $5,120 3.08%
EVANSVILLE, IN-KY (FHA|USDA|VA) 26 $2,750,000 $105,769 $4,938 3.28%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 27 $2,735,000 $101,296 $6,715 3.09%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 25 $2,705,000 $108,200 $6,017 3.30%
STOCKTON, CA (FHA|USDA|VA) 13 $2,705,000 $208,077 $8,653 3.40%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 19 $2,645,000 $139,211 $6,354 3.37%
ANAHEIM-SANTA ANA-IRVINE, CA (FHA|USDA|VA) 11 $2,625,000 $238,636 $9,121 2.90%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 26 $2,550,000 $98,077 $5,570 3.34%
BAKERSFIELD, CA (FHA|USDA|VA) 21 $2,545,000 $121,190 $6,614 3.42%
SEBASTIAN-VERO BEACH, FL (FHA|USDA|VA) 19 $2,535,000 $133,421 $6,669 3.23%
MONTGOMERY, AL (FHA|USDA|VA) 21 $2,505,000 $119,286 $6,445 3.17%
JACKSON, MS (FHA|USDA|VA) 24 $2,470,000 $102,917 $6,328 3.40%
TACOMA-LAKEWOOD, WA (FHA|USDA|VA) 13 $2,445,000 $188,077 $8,676 3.15%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 18 $2,410,000 $133,889 $7,189 2.93%
LAFAYETTE, LA (FHA|USDA|VA) 18 $2,390,000 $132,778 $7,442 3.15%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $2,390,000 $398,333 $4,932 2.83%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 19 $2,335,000 $122,895 $7,690 3.18%
AMARILLO, TX (FHA|USDA|VA) 19 $2,255,000 $118,684 $6,519 3.60%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 19 $2,255,000 $118,684 $6,306 3.12%
SHERMAN-DENISON, TX (FHA|USDA|VA) 19 $2,255,000 $118,684 $7,373 3.51%
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA (FHA|USDA|VA) 4 $2,250,000 $562,500 $24,965 3.47%
SYRACUSE, NY (FHA|USDA|VA) 21 $2,225,000 $105,952 $5,837 3.55%
ROCKFORD, IL (FHA|USDA|VA) 19 $2,165,000 $113,947 $5,991 3.28%
SPARTANBURG, SC (FHA|USDA|VA) 19 $2,155,000 $113,421 $5,701 3.40%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 19 $2,155,000 $113,421 $6,391 3.09%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 19 $2,135,000 $112,368 $5,728 3.45%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 19 $2,115,000 $111,316 $6,245 3.37%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 18 $2,110,000 $117,222 $6,606 3.30%
ANN ARBOR, MI (FHA|USDA|VA) 16 $2,100,000 $131,250 $7,415 3.23%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 17 $2,095,000 $123,235 $6,082 3.54%
PEORIA, IL (FHA|USDA|VA) 20 $2,070,000 $103,500 $5,741 3.54%
WILMINGTON, NC (FHA|USDA|VA) 15 $2,025,000 $135,000 $6,244 3.24%
MONROE, MI (FHA|USDA|VA) 14 $2,010,000 $143,571 $6,771 3.18%
VISALIA, CA (FHA|USDA|VA) 15 $2,005,000 $133,667 $6,174 3.62%
MUNCIE, IN (FHA|USDA|VA) 18 $1,980,000 $110,000 $5,151 3.19%
RACINE, WI (FHA|USDA|VA) 17 $1,975,000 $116,176 $6,288 3.13%
ABILENE, TX (FHA|USDA|VA) 19 $1,975,000 $103,947 $6,859 3.41%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 20 $1,970,000 $98,500 $5,786 3.46%
EAST STROUDSBURG, PA (FHA|USDA|VA) 15 $1,965,000 $131,000 $7,869 2.96%
MADISON, WI (FHA|USDA|VA) 13 $1,935,000 $148,846 $7,815 3.12%
ODESSA, TX (FHA|USDA|VA) 15 $1,935,000 $129,000 $6,816 3.35%
GAINESVILLE, FL (FHA|USDA|VA) 17 $1,925,000 $113,235 $6,268 3.02%
MODESTO, CA (FHA|USDA|VA) 10 $1,890,000 $189,000 $8,166 2.93%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 13 $1,865,000 $143,462 $6,482 3.07%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 17 $1,755,000 $103,235 $5,364 3.23%
PANAMA CITY, FL (FHA|USDA|VA) 12 $1,740,000 $145,000 $8,318 3.16%
ERIE, PA (FHA|USDA|VA) 17 $1,735,000 $102,059 $6,778 3.23%
WICHITA FALLS, TX (FHA|USDA|VA) 13 $1,715,000 $131,923 $7,735 3.48%
SALEM, OR (FHA|USDA|VA) 11 $1,715,000 $155,909 $8,392 3.36%
GREEN BAY, WI (FHA|USDA|VA) 13 $1,705,000 $131,154 $7,089 3.05%
NILES, MI (FHA|USDA|VA) 15 $1,685,000 $112,333 $6,836 3.29%
MIDLAND, TX (FHA|USDA|VA) 11 $1,635,000 $148,636 $8,007 2.84%
BURLINGTON, NC (FHA|USDA|VA) 13 $1,605,000 $123,462 $5,895 3.04%
LYNCHBURG, VA (FHA|USDA|VA) 15 $1,565,000 $104,333 $6,137 2.98%
FREDERICK-GAITHERSBURG-ROCKVILLE, MD (FHA|USDA|VA) 10 $1,550,000 $155,000 $7,861 3.34%
BATTLE CREEK, MI (FHA|USDA|VA) 15 $1,525,000 $101,667 $6,847 3.35%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 12 $1,510,000 $125,833 $5,612 3.10%
COLUMBUS, IN (FHA|USDA|VA) 12 $1,480,000 $123,333 $6,053 3.25%
STATE COLLEGE, PA (FHA|USDA|VA) 8 $1,480,000 $185,000 $8,133 2.86%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 10 $1,480,000 $148,000 $6,021 2.83%
JACKSON, MI (FHA|USDA|VA) 14 $1,470,000 $105,000 $6,575 3.47%
LEBANON, PA (FHA|USDA|VA) 11 $1,465,000 $133,182 $8,878 3.08%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 15 $1,455,000 $97,000 $6,373 3.24%
TOPEKA, KS (FHA|USDA|VA) 15 $1,455,000 $97,000 $5,857 3.19%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 13 $1,455,000 $111,923 $5,425 3.19%
BINGHAMTON, NY (FHA|USDA|VA) 14 $1,430,000 $102,143 $5,887 3.79%
JOHNSON CITY, TN (FHA|USDA|VA) 12 $1,410,000 $117,500 $5,979 3.02%
REDDING, CA (FHA|USDA|VA) 7 $1,395,000 $199,286 $9,037 2.91%
KOKOMO, IN (FHA|USDA|VA) 14 $1,390,000 $99,286 $5,640 3.28%
MONROE, LA (FHA|USDA|VA) 11 $1,375,000 $125,000 $7,249 3.24%
MANSFIELD, OH (FHA|USDA|VA) 14 $1,370,000 $97,857 $6,081 3.39%
VALLEJO, CA (FHA|USDA|VA) 5 $1,365,000 $273,000 $10,781 3.28%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 10 $1,350,000 $135,000 $7,852 2.85%
WILLIAMSPORT, PA (FHA|USDA|VA) 11 $1,315,000 $119,545 $7,684 3.14%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $1,310,000 $327,500 $11,463 3.16%
JACKSONVILLE, NC (FHA|USDA|VA) 11 $1,305,000 $118,636 $5,795 3.47%
CLEVELAND, TN (FHA|USDA|VA) 11 $1,295,000 $117,727 $5,986 3.66%
BOWLING GREEN, KY (FHA|USDA|VA) 10 $1,280,000 $128,000 $5,945 3.21%
FLORENCE, SC (FHA|USDA|VA) 11 $1,265,000 $115,000 $5,793 3.74%
MUSKEGON, MI (FHA|USDA|VA) 13 $1,235,000 $95,000 $5,750 3.12%
UTICA-ROME, NY (FHA|USDA|VA) 14 $1,210,000 $86,429 $5,201 3.93%
DOTHAN, AL (FHA|USDA|VA) 12 $1,200,000 $100,000 $5,189 3.35%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 9 $1,195,000 $132,778 $6,800 3.43%
KINGSTON, NY (FHA|USDA|VA) 6 $1,190,000 $198,333 $10,177 3.40%
EAU CLAIRE, WI (FHA|USDA|VA) 7 $1,185,000 $169,286 $8,079 3.21%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 10 $1,180,000 $118,000 $8,157 3.09%
PUEBLO, CO (FHA|USDA|VA) 8 $1,170,000 $146,250 $7,696 3.13%
JOPLIN, MO (FHA|USDA|VA) 12 $1,130,000 $94,167 $6,153 3.16%
HAMMOND, LA (FHA|USDA|VA) 9 $1,125,000 $125,000 $7,828 2.92%
HATTIESBURG, MS (FHA|USDA|VA) 8 $1,110,000 $138,750 $6,186 3.14%
TUSCALOOSA, AL (FHA|USDA|VA) 10 $1,110,000 $111,000 $6,273 2.89%
LAWRENCE, KS (FHA|USDA|VA) 6 $1,070,000 $178,333 $10,120 3.17%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 9 $1,045,000 $116,111 $5,631 3.31%
CEDAR RAPIDS, IA (FHA|USDA|VA) 7 $1,045,000 $149,286 $8,554 3.09%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 10 $1,040,000 $104,000 $4,421 3.54%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 5 $1,035,000 $207,000 $6,680 3.58%
SAN ANGELO, TX (FHA|USDA|VA) 8 $1,030,000 $128,750 $7,910 3.14%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 7 $1,025,000 $146,429 $8,011 3.21%
FORT SMITH, AR-OK (FHA|USDA|VA) 11 $1,005,000 $91,364 $6,262 3.13%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 9 $995,000 $110,556 $7,131 3.13%
YUMA, AZ (FHA|USDA|VA) 9 $995,000 $110,556 $6,252 3.65%
SAN RAFAEL, CA (FHA|USDA|VA) 3 $985,000 $328,333 $13,656 3.42%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 9 $955,000 $106,111 $6,454 2.96%
WENATCHEE, WA (FHA|USDA|VA) 5 $955,000 $191,000 $7,226 3.00%
BAY CITY, MI (FHA|USDA|VA) 10 $940,000 $94,000 $6,629 3.13%
GETTYSBURG, PA (FHA|USDA|VA) 8 $940,000 $117,500 $7,789 2.95%
DULUTH, MN-WI (FHA|USDA|VA) 10 $930,000 $93,000 $5,331 3.36%
BOULDER, CO (FHA|USDA|VA) 3 $925,000 $308,333 $7,007 3.17%
MADERA, CA (FHA|USDA|VA) 6 $920,000 $153,333 $7,994 2.94%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 9 $905,000 $100,556 $5,542 3.11%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 5 $885,000 $177,000 $8,702 2.80%
LAREDO, TX (FHA|USDA|VA) 8 $880,000 $110,000 $7,269 3.42%
VICTORIA, TX (FHA|USDA|VA) 7 $875,000 $125,000 $7,020 3.54%
HOT SPRINGS, AR (FHA|USDA|VA) 9 $865,000 $96,111 $5,854 3.19%
SALISBURY, MD-DE (FHA|USDA|VA) 8 $800,000 $100,000 $6,062 3.17%
WAUSAU-WESTON, WI (FHA|USDA|VA) 8 $800,000 $100,000 $5,017 3.20%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 7 $795,000 $113,571 $6,063 3.50%
DECATUR, AL (FHA|USDA|VA) 9 $785,000 $87,222 $5,564 3.15%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $760,000 $380,000 $14,605 3.19%
NEW BERN, NC (FHA|USDA|VA) 7 $755,000 $107,857 $3,535 3.46%
JACKSON, TN (FHA|USDA|VA) 8 $750,000 $93,750 $6,024 3.50%
GOLDSBORO, NC (FHA|USDA|VA) 8 $750,000 $93,750 $4,872 3.47%
HARRISONBURG, VA (FHA|USDA|VA) 5 $745,000 $149,000 $7,370 2.75%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 7 $745,000 $106,429 $6,854 2.86%
ALTOONA, PA (FHA|USDA|VA) 7 $735,000 $105,000 $6,738 3.18%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 8 $730,000 $91,250 $6,090 3.69%
OWENSBORO, KY (FHA|USDA|VA) 6 $730,000 $121,667 $4,714 3.73%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 8 $730,000 $91,250 $5,833 3.16%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 4 $720,000 $180,000 $6,407 3.09%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 7 $715,000 $102,143 $5,780 3.45%
GREENVILLE, NC (FHA|USDA|VA) 6 $710,000 $118,333 $5,681 3.75%
SPRINGFIELD, OH (FHA|USDA|VA) 8 $710,000 $88,750 $5,521 3.38%
STAUNTON, VA (FHA|USDA|VA) 6 $710,000 $118,333 $6,661 3.23%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $705,000 $235,000 $12,887 2.96%
SPRINGFIELD, IL (FHA|USDA|VA) 7 $695,000 $99,286 $5,347 3.30%
SAGINAW, MI (FHA|USDA|VA) 7 $695,000 $99,286 $6,196 3.64%
CORVALLIS, OR (FHA|USDA|VA) 2 $690,000 $345,000 $12,089 4.00%
COLUMBIA, MO (FHA|USDA|VA) 7 $685,000 $97,857 $6,303 3.43%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 7 $685,000 $97,857 $5,634 3.29%
WILMINGTON, DE-MD-NJ (FHA|USDA|VA) 8 $680,000 $85,000 $4,989 3.47%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 3 $665,000 $221,667 $12,623 2.79%
GRAND JUNCTION, CO (FHA|USDA|VA) 5 $665,000 $133,000 $6,744 2.80%
MORRISTOWN, TN (FHA|USDA|VA) 7 $645,000 $92,143 $5,745 3.29%
SUMTER, SC (FHA|USDA|VA) 6 $640,000 $106,667 $5,642 3.60%
FRESNO, CA (FHA|USDA|VA) 6 $640,000 $106,667 $6,246 3.21%
FORT COLLINS, CO (FHA|USDA|VA) 4 $630,000 $157,500 $5,968 3.78%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $615,000 $205,000 $11,532 2.54%
WHEELING, WV-OH (FHA|USDA|VA) 7 $615,000 $87,857 $6,114 3.02%
YAKIMA, WA (FHA|USDA|VA) 4 $600,000 $150,000 $8,055 3.00%
GADSDEN, AL (FHA|USDA|VA) 6 $590,000 $98,333 $5,755 3.02%
TEXARKANA, TX-AR (FHA|USDA|VA) 7 $585,000 $83,571 $6,042 4.02%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $560,000 $280,000 $11,730 3.19%
DANVILLE, IL (FHA|USDA|VA) 8 $560,000 $70,000 $4,848 4.19%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 5 $555,000 $111,000 $5,434 3.45%
ROCKY MOUNT, NC (FHA|USDA|VA) 6 $550,000 $91,667 $4,520 3.40%
MERCED, CA (FHA|USDA|VA) 5 $545,000 $109,000 $5,913 3.45%
ALEXANDRIA, LA (FHA|USDA|VA) 4 $540,000 $135,000 $7,228 2.72%
SALINAS, CA (FHA|USDA|VA) 3 $525,000 $175,000 $9,449 3.13%
COLUMBUS, GA-AL (FHA|USDA|VA) 5 $515,000 $103,000 $5,117 3.18%
BELLINGHAM, WA (FHA|USDA|VA) 2 $510,000 $255,000 $13,952 3.31%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 5 $505,000 $101,000 $6,884 3.28%
ROCHESTER, MN (FHA|USDA|VA) 4 $490,000 $122,500 $6,240 3.13%
MIDLAND, MI (FHA|USDA|VA) 5 $475,000 $95,000 $6,487 3.65%
MANKATO, MN (FHA|USDA|VA) 4 $460,000 $115,000 $5,901 3.25%
JONESBORO, AR (FHA|USDA|VA) 5 $455,000 $91,000 $6,035 2.98%
DECATUR, IL (FHA|USDA|VA) 4 $440,000 $110,000 $6,410 3.22%
LIMA, OH (FHA|USDA|VA) 4 $440,000 $110,000 $6,682 3.28%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $425,000 $141,667 $6,398 2.67%
KANKAKEE, IL (FHA|USDA|VA) 4 $420,000 $105,000 $5,243 3.44%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 5 $415,000 $83,000 $4,783 3.63%
JEFFERSON CITY, MO (FHA|USDA|VA) 4 $410,000 $102,500 $5,874 3.22%
GLENS FALLS, NY (FHA|USDA|VA) 3 $405,000 $135,000 $5,743 3.50%
LONGVIEW, WA (FHA|USDA|VA) 3 $395,000 $131,667 $6,682 2.79%
YUBA CITY, CA (FHA|USDA|VA) 4 $390,000 $97,500 $5,494 3.34%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $355,000 $118,333 $5,118 3.63%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 3 $355,000 $118,333 $7,494 3.50%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 3 $355,000 $118,333 $6,615 3.21%
APPLETON, WI (FHA|USDA|VA) 3 $355,000 $118,333 $6,897 3.50%
GREELEY, CO (FHA|USDA|VA) 2 $340,000 $170,000 $10,086 2.81%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 5 $335,000 $67,000 $4,216 3.60%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 3 $335,000 $111,667 $6,152 3.25%
SHEBOYGAN, WI (FHA|USDA|VA) 3 $335,000 $111,667 $6,426 3.17%
SANTA FE, NM (FHA|USDA|VA) 2 $310,000 $155,000 $7,991 2.63%
LEWISTON, ID-WA (FHA|USDA|VA) 2 $300,000 $150,000 $8,288 2.38%
CARBONDALE-MARION, IL (FHA|USDA|VA) 3 $275,000 $91,667 $4,902 3.21%
ELMIRA, NY (FHA|USDA|VA) 2 $270,000 $135,000 $6,909 3.06%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $270,000 $135,000 $5,714 3.56%
GRANTS PASS, OR (FHA|USDA|VA) 2 $270,000 $135,000 $6,452 3.06%
FARMINGTON, NM (FHA|USDA|VA) 2 $260,000 $130,000 $9,959 3.00%
CHICO, CA (FHA|USDA|VA) 2 $260,000 $130,000 $5,526 2.75%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $255,000 $255,000 $9,047 2.50%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 3 $255,000 $85,000 $5,199 3.13%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 2 $250,000 $125,000 $6,341 3.25%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $220,000 $110,000 $4,182 4.00%
EL CENTRO, CA (FHA|USDA|VA) 2 $220,000 $110,000 $6,229 2.94%
LAWTON, OK (FHA|USDA|VA) 2 $210,000 $105,000 $6,554 2.75%
BANGOR, ME (FHA|USDA|VA) 1 $205,000 $205,000 $9,885 2.25%
ST. CLOUD, MN (FHA|USDA|VA) 2 $200,000 $100,000 $5,489 3.81%
AMES, IA (FHA|USDA|VA) 2 $190,000 $95,000 $6,944 3.19%
BLOOMINGTON, IL (FHA|USDA|VA) 3 $185,000 $61,667 $4,692 4.08%
BEND, OR (FHA|USDA|VA) 1 $185,000 $185,000 $6,994 3.75%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $185,000 $185,000 $9,085 4.88%
WALLA WALLA, WA (FHA|USDA|VA) 2 $180,000 $90,000 $5,783 3.25%
LAKE CHARLES, LA (FHA|USDA|VA) 2 $180,000 $90,000 $5,856 4.06%
ENID, OK (FHA|USDA|VA) 2 $180,000 $90,000 $7,004 2.75%
FARGO, ND-MN (FHA|USDA|VA) 1 $145,000 $145,000 $6,861 3.38%
LAS CRUCES, NM (FHA|USDA|VA) 1 $135,000 $135,000 $8,456 2.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $8,126 2.63%
ITHACA, NY (FHA|USDA|VA) 2 $130,000 $65,000 $5,652 4.06%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $125,000 $125,000 $6,040 2.88%
MEDFORD, OR (FHA|USDA|VA) 1 $125,000 $125,000 $8,134 3.13%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $125,000 $125,000 $5,482 3.63%
JOHNSTOWN, PA (FHA|USDA|VA) 2 $120,000 $60,000 $5,736 3.69%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $115,000 $115,000 $6,990 2.50%
DUBUQUE, IA (FHA|USDA|VA) 1 $85,000 $85,000 $5,810 2.13%
MANHATTAN, KS (FHA|USDA|VA) 1 $85,000 $85,000 $5,823 2.88%
IOWA CITY, IA (FHA|USDA|VA) 1 $85,000 $85,000 $6,208 2.88%
FOND DU LAC, WI (FHA|USDA|VA) 1 $65,000 $65,000 $5,334 4.63%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $65,000 $65,000 $4,922 2.63%
PINE BLUFF, AR (FHA|USDA|VA) 1 $55,000 $55,000 $5,603 3.63%

Royal United Mortgage 's top markets include Indianapolis, Houston, Dallas, Chicago, and Tampa among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 12,590 $1,676,010,000 $133,122 $6,653 3.22%
FHA 558 $60,140,000 $107,778 $7,051 3.44%
VA 289 $47,875,000 $165,657 $7,433 3.09%

For the 2020 period, Royal United Mortgage 's most frequently originated loan type of loans were Conventional, with 12,590 originations. Their 2nd most popular type is FHA, with 558 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 12,540 $1,664,900,000 $132,767 $6,781 3.21%
Home Purchase 896 $119,030,000 $132,846 $5,365 3.52%
Cash Out Refi 1 $95,000 $95,000 $6,158 3.63%

For the 2020, Royal United Mortgage 's most frequently cited loan purpose of loans were Refi, with 12,540 originations. The 2nd most popular reason of loans were Home Purchase, with 896 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 7,544 $1,037,670,000 $137,549 $6,699 3.35%
15 Year 3,125 $383,445,000 $122,702 $6,764 2.96%
Other 1,414 $188,380,000 $133,225 $6,545 3.27%
20 Year 798 $113,820,000 $142,632 $6,667 3.27%
10 Year 556 $60,710,000 $109,191 $6,470 2.95%

For the 2020, Royal United Mortgage 's most frequently cited loan length of loans were 30 Year, with 7,544 originations. The 2nd most popular length of loans were 15 Year, with 3,125 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$3k-4k 5,769 $594,715,000 $103,088
$5k+ 4,729 $818,515,000 $173,084
$2k-3k 1,341 $130,745,000 $97,498
$1k-2k 955 $101,355,000 $106,131
$<1k 643 $138,695,000 $215,700

$6,699 of loans were Royal United Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $3k-4k bucket, with 5,769 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 5,548 $706,160,000 $127,282
2.5-3% 4,392 $618,420,000 $140,806
<2.5% 1,905 $298,765,000 $156,832
4-5% 1,508 $152,940,000 $101,419
5-6% 84 $7,740,000 $92,143

During 2020, Royal United Mortgage 's average interest rate of loans were 3.35%, while their most frequently originated rate bucket of loans were 3-4%, with 5,548 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100k-200k 6,937 $929,365,000 $133,972 $6,863 3.15%
$100,000 or less 4,790 $370,650,000 $77,380 $5,375 3.43%
$200k-400k 1,537 $399,975,000 $260,231 $9,208 2.98%
$400k-600k 157 $72,375,000 $460,987 $12,388 2.94%
$600k-1MM 15 $10,575,000 $705,000 $22,331 3.06%
$1MM+ 1 $1,085,000 $1,085,000 $53,973 3.00%

2020 saw Royal United Mortgage place emphasis on $100k-200k loans with 6,937 originations, totaling $929,365,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k or less 5,947 $623,935,000 $104,916 $6,096 3.28%
$50k-75k 3,662 $482,060,000 $131,638 $6,776 3.20%
$75k-100k 1,850 $284,360,000 $153,708 $7,251 3.16%
$100k-150k 1,361 $250,145,000 $183,795 $7,594 3.19%
$150k-250k 517 $115,785,000 $223,956 $7,973 3.19%
$250k+ 100 $27,740,000 $277,400 $9,094 3.15%

Royal United Mortgage lent most frequently to those with incomes in the $50k or less range, with 5,947 originations. The second most popular income band? $50k-75k, with 3,662 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,787 $362,555,000 $130,088 $6,445 3.16%
30-36% 2,373 $312,175,000 $131,553 $6,539 3.21%
<20% 966 $120,490,000 $124,731 $5,831 3.16%
44% 936 $126,030,000 $134,647 $7,096 3.35%
43% 701 $92,645,000 $132,161 $6,768 3.31%
42% 602 $79,930,000 $132,774 $6,785 3.31%
41% 559 $76,715,000 $137,236 $6,964 3.30%
40% 531 $71,035,000 $133,776 $6,887 3.26%
45% 514 $68,430,000 $133,132 $6,924 3.27%
38% 494 $66,600,000 $134,818 $6,834 3.31%
39% 483 $65,925,000 $136,491 $6,959 3.23%
36% 462 $59,630,000 $129,069 $6,640 3.25%
37% 421 $53,015,000 $125,926 $6,568 3.27%
49% 393 $54,635,000 $139,020 $6,907 3.16%
48% 313 $47,085,000 $150,431 $7,205 3.15%
46% 304 $42,700,000 $140,461 $7,120 3.15%
47% 302 $43,490,000 $144,007 $7,071 3.22%
50-60% 294 $40,660,000 $138,299 $7,813 3.22%
>60% 2 $280,000 $140,000 $7,511 3.44%

Royal United Mortgage lent most frequently to those with DTI ratios of 20-30%, with 2,787 originations. The next most common DTI ratio? 30-36%, with 2,373 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 10,704 $1,429,550,000 $133,553 $6,629 3.21%
Not provided 1,693 $216,985,000 $128,166 $6,860 3.29%
Black 759 $94,715,000 $124,789 $6,841 3.38%
Asian 172 $29,750,000 $172,965 $7,752 3.03%
American Indian 86 $9,600,000 $111,628 $6,783 3.40%
Native Hawaiian 19 $2,655,000 $139,737 $6,766 2.93%
Vietnamese 1 $305,000 $305,000 $3,916 2.38%
Other Asian 1 $255,000 $255,000 $13,081 2.63%
Other Pacific Islander 1 $115,000 $115,000 $6,616 4.00%
Filipino 1 $95,000 $95,000 $5,896 2.25%

Approval Rates

Total approvals of all applications
75.83%

Royal United Mortgage has a below average approval rate.

Pick Rate

Approvals leading to origination
90.91%

Royal United Mortgage has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 13,437 $1,784,025,000 $132,770

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
Single Family (1-4 Units):Site-Built 13,437 $1,784,025,000 $132,770

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,271 $126,715,000 $99,697 $5,953 3.07%
40-60% 2,755 $333,155,000 $120,927 $6,524 3.02%
60-80% 6,483 $902,625,000 $139,230 $6,939 3.28%
80-100% 2,763 $407,055,000 $147,324 $6,669 3.38%
Over 100% 7 $905,000 $129,286 $6,479 3.52%
Under 20% 158 $13,570,000 $85,886 $5,376 3.25%