Royal Credit Union received 6,185 applications in 2025 and made
4,702 mortgages, in 155 counties across 26 states.
The median rate its borrowers got was 6.750% on a median loan of $165,000.
Of 5,516 decisions, 626 were denials — 11.4%, most often for debt-to-income ratio.
2 of its applications carried no county and are counted here but on no county page.
Legal Entity Identifier
549300OZ550X4QD5PC74
Applications received
6,185
Mortgages made
4,702
Denied
626
Approved, not taken up
188
Withdrawn or incomplete
669
Loans bought from other lenders
0
Median rate spread over the prime offer rate
0.183 points
FDIC-insured bank
This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name.
By loan purpose
Purpose
Mortgages made
Median rate
Median loan
Denied
Home purchase
2,328
6.500%
$255,000
2.7%
Refinancing
299
6.090%
$300,000
14.9%
Cash-out refinancing
336
6.750%
$145,000
15.9%
Other purposes
1,739
7.500%
$65,000
19.3%
Where Royal Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
When Royal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act
loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application
a covered lender received, as the lender reported it. A median rate is what borrowers got, not what
you will be offered — it depends on the loan, the property, your credit and the market on the day,
and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.