Royal United Mortgage LLC mortgage approval rate & lending review
Royal United Mortgage LLC decided 15,310 mortgage applications and funded 10,382 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Royal United Mortgage LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to royalunitedmortgage.com.
Royal United Mortgage LLC at a glance
Approval is 6.7 points below the 77.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 72% | 305 / 422 | 99% | $165K | 301 |
| Refinance | 72% | 9,507 / 13,265 | 96% | $105K | 9,151 |
| Investment property purchase | 67% | 54 / 81 | 100% | $95K | 54 |
| Investment refinance | 58% | 893 / 1,542 | 98% | $95K | 876 |
Royal United Mortgage LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 69% | $135K | 3,383 | 2,238 |
| Florida | 68% | $105K | 1,236 | 824 |
| Ohio | 68% | $85K | 1,099 | 716 |
| Pennsylvania | 70% | $95K | 919 | 636 |
| Indiana | 77% | $115K | 918 | 688 |
| New York | 68% | $115K | 873 | 568 |
| Michigan | 66% | $85K | 740 | 469 |
| Illinois | 70% | $105K | 693 | 476 |
| Georgia | 70% | $95K | 568 | 386 |
| North Carolina | 75% | $95K | 502 | 361 |
| South Carolina | 73% | $85K | 443 | 306 |
| California | 72% | $105K | 392 | 268 |
| Alabama | 71% | $95K | 358 | 243 |
| Louisiana | 57% | $105K | 321 | 178 |
| Missouri | 75% | $105K | 311 | 230 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Royal United Mortgage LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Refinance | 68% | 522 | 340 |
| Tarrant County, TX | Refinance | 74% | 268 | 190 |
| Bexar County, TX | Refinance | 62% | 293 | 170 |
| Dallas County, TX | Refinance | 68% | 261 | 167 |
| Marion County, IN | Refinance | 75% | 185 | 136 |
| Cook County, IL | Refinance | 68% | 193 | 131 |
| Wayne County, MI | Refinance | 62% | 210 | 125 |
| El Paso County, TX | Refinance | 72% | 143 | 99 |
| Erie County, NY | Refinance | 72% | 115 | 82 |
| Cuyahoga County, OH | Refinance | 64% | 139 | 82 |
| Allegheny County, PA | Refinance | 77% | 102 | 77 |
| Montgomery County, TX | Refinance | 71% | 111 | 77 |
The county markets where Royal United Mortgage LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Royal United Mortgage LLC
What is Royal United Mortgage LLC's mortgage approval rate?
Royal United Mortgage LLC approved 70.3% of the 15,310 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.7 points below the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Royal United Mortgage LLC offers?
Borrowers accepted 96% of the loans Royal United Mortgage LLC approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Royal United Mortgage LLC make?
The typical mortgage refinance loan Royal United Mortgage LLC made was $105K; across all loan types its typical loan ran from $95K to $165K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Royal United Mortgage LLC lend?
Royal United Mortgage LLC decided applications in 34 of the states Fat Boy Data covers, most of them in Texas, Florida and Ohio.
Can I apply to Royal United Mortgage LLC directly?
Yes. Royal United Mortgage LLC reports as a direct lender that takes applications from borrowers. Its website is royalunitedmortgage.com.
Does this page show Royal United Mortgage LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Royal United Mortgage LLC treats applications, then get a rate quote from the lender.