ROYAL UNITED MORTGAGE LLC

4,960 mortgages originated in 2025 across 27 states, and what they cost borrowers.

Loans originated

4,960

Median rate

6.875%

Median lender fees

$7,561

Median loan amount

$105,000

Median spread over APOR

1.059

Paid discount points

95.4%

Received lender credits

5.2%

Purchases / refinances

3.4% / 96.6%

Conventional / FHA / VA

88.6% / 8.3% / 2.9%

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 100% of loans here — see methodology.

Where ROYAL UNITED MORTGAGE LLC lent

States with at least 50 loans in 2025, ranked by volume.