Applications / Mortgage Analytics / Lenders / Indiana / Royal United Mortgage
Indianapolis, IN · Non-bank affiliate of a holding company · CFPB · 4,960 loans in 2025
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4,960
loans originated, 2025
8,724
applications, 2025
33
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Royal United Mortgage is almost purely a refinance lender, making small loans that go mostly to low- and moderate-income borrowers across 33 states.
Refinances made up 96.6% of its 4,960 loans. Its typical loan was $105,000, against $315,000 at similar lenders, smaller than nearly all of them. Here similar lenders means non-banks making between an eighth and eight times as many loans. Most of its loans, 88.6%, were conventional.
Some 75.1% of its borrowers had low or moderate incomes, against 28.3% at its peers, a higher share than nearly all of them. In 2020 the figure was 54.7%. It also lent more in poorer neighborhoods: 28.8%, against 20.1%.
Its loans fell 17% in 2025 while similar lenders grew 10%, a weaker result than at more than nine in ten of them. It made 13,437 loans in 2020. A lender that lives on refinancing depends on borrowers having a reason to refinance, and the typical rate on its loans has risen from 3.12% in 2020 to 6.88%, which may explain much of the fall since then.
It lends in 330 metros and 1,485 counties, with Texas its main state. In Houston it ranks 234 of 929 lenders with an unchanged 0.1% share; in Dallas-Fort Worth-Arlington, 246 of 1,026.
Similar lenders: lenders of the same broad kind (banks and savings institutions, credit unions or non-banks), originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Royal United Mortgage took 8,724 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 96.6% · Purchase 3.4%
Conventional 88.6% · FHA 8.3% · VA 2.9% · USDA (RHS or FSA) 0.1% · of 4,960 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 943 | 19.0% |
| Indiana | 417 | 8.4% |
| New York | 318 | 6.4% |
| Ohio | 273 | 5.5% |
| Georgia | 245 | 4.9% |
| Pennsylvania | 211 | 4.3% |
| Illinois | 207 | 4.2% |
| Michigan | 199 | 4.0% |
| Florida | 183 | 3.7% |
| Missouri | 182 | 3.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 179 |
| Indianapolis-Carmel-Greenwood | 153 |
| Dallas-Plano-Irving | 128 |
| San Antonio-New Braunfels | 89 |
| Fort Worth-Arlington-Grapevine | 79 |
| St. Louis | 79 |
| Atlanta-Sandy Springs-Roswell | 78 |
| Chicago-Naperville-Schaumburg | 58 |
| Cleveland | 58 |
| Pittsburgh | 55 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UG7QXKM7KGV847 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4325626 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7261773722 |
Established 17 January 2008. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Royal United Mortgage's data.
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