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Royal United Mortgage Reviews, Complaints & Contacts

Royal United Mortgage LLC is a direct mortgage lender in Indianapolis, Indiana (NMLS #13390) offering purchase, refinance and home equity loans. This page lists its contact channels, how to raise a problem, and what BBB, the CFPB database, an Illinois consent order and federal court dockets showed on October 22, 2026.

REVIEWS & COMPLAINTS0none submitted to USAComplaints yet · see external reviews
WEBSITEroyalunitedmortgage.com
HEADQUARTERSIndianapolis, IN
PROFILE CHECKED2026-10-22
Submit a Complaint Official website ↗

Contacts & Login

PhoneEmailAddress

Customer service & general contact

Account & login

Privacy requests

Reference numbers (not support lines)

Other contacts

VERIFIED

Locations

  • Headquarters10194 Crosspoint Boulevard, Suite 110 Indianapolis IN 46256
EDITORIAL

Is Royal United Mortgage Legitimate?

BBB, CFPB, Trustpilot

Legal name
Royal United Mortgage LLC
Founded
2008
Business type
Direct mortgage lender (home purchase, refinance and home equity loans) headquartered in Indianapolis, Indiana; NMLS ID 13390
Website
royalunitedmortgage.comSource: Royal United Mortgage home page, checked 2026-10-22
Headquarters
Indianapolis, INSource: Royal United Mortgage Licensing page, checked 2026-10-22

Royal United Mortgage LLC lists NMLS #13390, a headquarters address in Indianapolis, and licenses in 33 states on its own Licensing page. BBB shows the business as accredited with an A+ rating and a file opened in 2008, and the CFPB database holds 106 complaints about it dating from 2013. Illinois fined the company $10,000 in 2012 for brokering loans after a missed license renewal, and the company has been named in federal telemarketing suits. Anyone dealing with a lender should confirm the license on NMLS Consumer Access, use contact details from the company's own site, and be wary of anyone who contacts them unsolicited asking for upfront fees.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBRoyal United Mortgage, LLC, Indianapolis, IN
457 reviews · 47 complaints · BBB business grade A+ · average customer rating 4.81 / 5
CFPBCFPB Consumer Complaint Database, company name 'ROYAL UNITED MORTGAGE LLC', as queried on 2026-10-22
106 complaints
Trustpilot
5 reviews · TrustScore 4 / 5
EDITORIAL

Royal United Mortgage complaint record: BBB, CFPB and Trustpilot as displayed on October 22, 2026

Our archive. No published complaint reports are currently linked to this profile.

BBB. The BBB profile for Royal United Mortgage, LLC, Indianapolis, shows a BBB Accredited Business with an A+ rating; the complaints tab shows 47 complaints in the last 3 years and 11 in the last 12 months. The reviews tab shows 4.81 out of 5 from an average of 457 customer reviews; BBB says customer reviews are not used in the letter-grade rating. The page data shows accreditation from October 10, 2008 and a BBB file opened October 28, 2008.

CFPB database. Queried on October 22, 2026 under the company name ROYAL UNITED MORTGAGE LLC: 106 complaints in total, the first received September 17, 2013 and the latest August 12, 2026, with 6 received since October 4, 2025. CFPB labels 95 of the 106 'Mortgage'; the other 11 are credit reporting (10) and debt collection (1). The most common issues CFPB lists are 'Applying for a mortgage or refinancing an existing mortgage' (37), 'Application, originator, mortgage broker' (23) and 'Closing on a mortgage' (12). The largest state counts are Texas (21), Indiana (11) and Florida (9). In CFPB's company-response field, 79 complaints were closed with explanation, 19 with monetary relief and 8 with non-monetary relief; 96 were marked timely and 10 not. These are consumer-submitted complaints published by CFPB, not findings, and they are not added to the BBB or Trustpilot figures.

Trustpilot. The page 'royalunitedmortgage.com' shows 4.0 out of 5 from 5 reviews, an unclaimed profile, and a notice that the company has no history of asking for reviews so the reviews may not be representative.

The three sources count different things over different periods and are not summed or averaged.

Had an experience with Royal United Mortgage? Tell other people what happened.

Submit a Complaint
EDITORIAL

Royal United Mortgage: how to reach the lender, raise a problem and where to complain (checked October 22, 2026)

This page was compiled from Royal United Mortgage's own website, BBB, Trustpilot, the CFPB complaint database, a 2012 Illinois consent order and federal court dockets, all opened on October 22, 2026. No published complaint reports are currently linked to this profile.

Who it is. The home page footer says 'Royal United Mortgage LLC is a direct lender. NMLS #13390.' and the site's structured data describes it as a direct mortgage lender headquartered in Indianapolis, Indiana.

More detailShow less

Its Licensing page lists NMLS #13390 and the address 10194 Crosspoint Boulevard, Suite 110, Indianapolis, IN 46256. Royal United offers purchase, refinance and home equity loans, according to its home page.

Contacting the company. The Contact page lists (888) 769-2565 and a message form with a 'Complaint or Concern' category, which it says is routed to the appropriate team. For an existing application it says the quickest route is usually your assigned loan advisor or loan team.

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The form asks you not to send Social Security numbers, bank account details, full loan numbers or passwords. The 'My Loan' button on the home page leads to a borrower sign-in hosted at idp.elliemae.com.

  • The CFPB accepts complaints about mortgages at consumerfinance.gov/complaint; its public database lists complaints about this company under the name ROYAL UNITED MORTGAGE LLC (see the complaint record).
  • Mortgage lenders are licensed by state regulators. The company's Licensing page links to NMLS Consumer Access (nmlsconsumeraccess.org), where a license can be looked up by NMLS ID 13390.
  • Texas: the Licensing page says consumers wishing to file a complaint against a mortgage company or licensed mortgage banker should send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Texas is the state with the most CFPB complaints in the record on this page (21).
  • State licence numbers the Licensing page gives for three large states: Indiana (Department of Financial Institutions, First Lien Mortgage Lending License #10876), Florida (Office of Financial Regulation, #MLD666) and California (Department of Financial Protection and Innovation, #603G647). Confirm them with the regulator.
  • The Contact page's message form also offers 'Licensing or Compliance Question', 'Privacy Request' and 'Do Not Sell or Share My Personal Information' categories.
  • For privacy requests the company's Privacy Policy lists [email protected]. The company has been named as a defendant in federal telemarketing lawsuits, summarised in the litigation record; those are allegations.

Servicing. The Privacy Policy describes the company's services as 'mortgage and loan origination services'. Royal United's pages do not say whether Royal United services loans after closing or where payments are made (its Licensing page lists a South Carolina 'Mortgage Lender / Servicer License', #MLS-13390, which this page does not read as describing a servicing practice), so check the servicer named in your closing documents or the notice you receive.

EDITORIAL

Royal United Mortgage regulators: the 2012 Illinois consent order and the sources checked on October 22, 2026

Illinois Division of Banking, Order No. 2012-MBR-02 (Department signature date shown: March 21, 2012). The Illinois Department of Financial and Professional Regulation and Royal United Mortgage, LLC (listed in the caption at 7999 Knue Road, Suite 300, Indianapolis) entered a Consent Order under the Residential Mortgage License Act of 1987. The order records that the company had held Illinois residential mortgage license No. MB.6760706 since October 30, 2009, did not renew it by the February 29, 2012 deadline, and brokered eleven Illinois residential mortgage loans after that date and before the license was renewed on March 12, 2012. The Licensing page now lists Illinois Residential Mortgage License #MB.6760706, the same number the order names. The company agreed to pay a fine of $10,000, and the Department says it considered the company's cooperation in reporting the violation as a mitigating factor. The company also agreed not to file a petition for a hearing or review of the order. The order concerns a missed license renewal; it does not describe consumer harm.

More on regulatorsShow less

Not verified. Indiana's Department of Financial Institutions licensee page and NMLS Consumer Access returned a block page when opened on October 22, 2026, so no statement is made here about other state or federal actions. A web search run on October 22, 2026 surfaced no CFPB, FTC or HUD enforcement action naming Royal United Mortgage; that is a search result, not a registry check.

EDITORIAL

Royal United Mortgage litigation: telemarketing (TCPA) suits and other dockets checked on October 22, 2026

Court records

Wilson v. Royal United Mortgage LLC, No. 1:25-cv-06150 (N.D. Ga.). Justia's docket (last retrieved March 19, 2026) lists a Telephone Consumer Protection Act suit filed October 28, 2025. A scheduling order was entered January 28, 2026; stipulations of dismissal were filed on March 9 and March 13, 2026, and on March 19, 2026 the clerk entered dismissal with prejudice under Fed. R. Civ. P. 41(a)(1)(A)(ii) and terminated the case. The docket entries opened do not state the claims or the terms, if any, on which the case ended.

More on the lawsuitsShow less

Peterssen v. Royal United Mortgage LLC, No. 1:21-cv-21629 (S.D. Fla.). A proposed class action filed April 28, 2021. The complaint alleges that the company made telemarketing calls to numbers on the National Do Not Call Registry, to people who had asked the calls to stop, and before 8 a.m.; the plaintiff says she had looked up refinancing rates online before the calls began. These are the plaintiff's allegations. According to the CourtListener docket, the case was administratively closed on June 21, 2021 after a motion that referred to settlement; on July 15, 2021 the court dismissed it with prejudice on the plaintiff's notice of voluntary dismissal, each party to bear its own costs and fees. The docket entries opened do not state any settlement terms, and no class was certified.

Other dockets. A Justia search on October 22, 2026 also listed seven cases in all. Besides Wilson and Peterssen: Wright v. Royal United Mortgage, LLC (M.D. Fla., No. 6:2015cv01027, filed June 23, 2015; Justia labels the cause 'Restrictions on Use of Telephone Equipment'); Wise v. Royal United Mortgage, LLC et al (S.D. Ind., No. 1:2011cv00385, filed March 18, 2011; Justia labels the cause '29 U.S.C. § 201 Fair Labor Standards Act'); Gaines et al v. Liberty Mutual Fire Insurance Company et al (E.D. La., No. 2:2023cv03498, filed August 16, 2023; Justia type 'Contract > Insurance'; the company is listed as a co-defendant); Mineer v. Specialized Load Servicing LLC et al (E.D. Ky., No. 7:2018cv00035, filed March 19, 2018; Justia type 'P.I.: Other'); and The Estate of Martha F. Gallo v. Matrix Financial Services Corp. et al (M.D. Ala., No. 1:2018cv00152, filed March 5, 2018; Justia type 'Real Property > Foreclosure'). Only Justia's labels are repeated for those five dockets, and no claims or outcomes are stated.

PUBLIC RECORD

Court & Public Records

Wilson v. Royal United Mortgage LLC (Telephone Consumer Protection Act)

Dismissed

U.S. District Court, N.D. Ga.Docket 1:25-cv-06150Source ↗

Dismissed

The entries opened do not state the claims or any settlement terms.

Case details: Wilson v. Royal United Mortgage LLC (Telephone Consumer Protection Act)Show less

Justia's docket (last retrieved March 19, 2026) lists a TCPA case filed October 28, 2025. Stipulations of dismissal were filed March 9 and March 13, 2026, and on March 19, 2026 the clerk entered dismissal with prejudice under Fed. R. Civ. P. 41(a)(1)(A)(ii) and terminated the case.

Peterssen v. Royal United Mortgage LLC (proposed class action, Telephone Consumer Protection Act)

Dismissed

U.S. District Court, S.D. Fla.Docket 1:21-cv-21629Source ↗

Dismissed

The docket does not state any settlement terms, and no class was certified.

Case details: Peterssen v. Royal United Mortgage LLC (proposed class action, Telephone Consumer Protection Act)Show less

The complaint (Document 1, filed April 28, 2021) alleges telemarketing calls without consent to numbers on the National Do Not Call Registry, to consumers who demanded the calls stop, and before 8 a.m. These are the plaintiff's allegations. The case was administratively closed on June 21, 2021 after a motion that referred to settlement. On July 15, 2021 it was dismissed with prejudice on the plaintiff's notice of voluntary dismissal, with each side bearing its own costs and fees.

EDITORIAL

Royal United Mortgage: who operates it, where it is licensed and what the company says about itself

Entity. Royal United Mortgage LLC, Indianapolis, Indiana. BBB's page data shows business start and incorporation on January 17, 2008, and the company's Contact page structured data gives 2008 as its founding year. BBB's page data shows accreditation from October 10, 2008.

Licensing. The company's Licensing page (updated July 6, 2026 according to the page) says '33 states licensed' and lists a license type and number for each state, for example a Mortgage Banker License in Arizona and a State Banking Department License in Alabama. That page is the company's own statement; confirm any license on NMLS Consumer Access under NMLS ID 13390.

More company historyShow less

Company claims (attributed). The home page says Royal United 'has been LendingTree's #1 lender in Customer Satisfaction 19 of the last 24 quarters' and shows '22K+ 5-star reviews' and '100K+ Families Helped'. These are the company's own marketing statements and were not independently verified here.

Loan programs. The site's navigation lists home equity loan and HELOC, new home purchase and home refinance programs, with calculators and an FAQ on points, APR, PMI, pre-approval and credit-report errors.

EDITORIAL

Frequently Asked Questions

What phone number and contact channels does Royal United Mortgage list?

Royal United Mortgage's Contact page (opened October 22, 2026) lists (888) 769-2565 and a message form with a 'Complaint or Concern' category. The page's structured data lists [email protected] and the address 10194 Crosspoint Boulevard, Suite 110, Indianapolis, IN 46256. BBB also lists (317) 664-7700 and (317) 664-7701 as other phones.

Who owns and operates Royal United Mortgage?

In a May 14, 2021 filing in the Peterssen case (S.D. Fla.), Royal United Mortgage LLC named 'Royal United Financials Services, LLC' as its corporate parent (spelling as on the docket). BBB lists Nick Edwards as President/CEO and gives 200 as the number of employees. The home page footer says 'Royal United Mortgage LLC is a direct lender. NMLS #13390.' and the site's structured data describes it as a direct mortgage lender headquartered in Indianapolis, Indiana.

What is Royal United Mortgage's NMLS number and where is it licensed?

The Licensing page lists NMLS #13390 and says '33 states licensed', updated July 6, 2026 according to the page. It links to NMLS Consumer Access, where the license record can be checked.

How do I file a complaint about Royal United Mortgage?

The company's Contact page offers a message form with a 'Complaint or Concern' category. You can also submit a complaint to the CFPB at consumerfinance.gov/complaint or contact your state mortgage regulator, which can be found through NMLS Consumer Access. BBB also accepts complaints through its profile for the company.

What does BBB show for Royal United Mortgage?

As displayed on October 22, 2026, BBB shows Royal United Mortgage, LLC (Indianapolis) as BBB Accredited with an A+ rating, 47 complaints in the last 3 years, 11 in the last 12 months, and an average of 4.81 out of 5 from 457 customer reviews. BBB says reviews are not used in the letter grade.

How many CFPB complaints name Royal United Mortgage?

The CFPB Consumer Complaint Database listed 106 complaints under ROYAL UNITED MORTGAGE LLC on October 22, 2026, received between September 17, 2013 and August 12, 2026, of which 95 CFPB labels as mortgage complaints. CFPB marks 19 as closed with monetary relief and 8 with non-monetary relief. These are consumer submissions published by CFPB, not findings.

Has any regulator taken action against Royal United Mortgage?

Illinois Order No. 2012-MBR-02 is a consent order under which the company agreed to a $10,000 fine for brokering eleven Illinois mortgage loans after its license renewal deadline of February 29, 2012 and before the license was renewed on March 12, 2012.

Has Royal United Mortgage been sued over telemarketing calls?

Two Telephone Consumer Protection Act suits are listed on Justia: Peterssen (S.D. Fla., filed April 28, 2021, a proposed class action alleging Do Not Call violations) and Wilson (N.D. Ga., filed October 28, 2025, dismissed with prejudice by stipulation on March 19, 2026). These are allegations. The CourtListener docket shows Peterssen was dismissed with prejudice on July 15, 2021 on the plaintiff's voluntary dismissal, with each side bearing its own costs and fees and no settlement terms stated.

Does Royal United Mortgage service the loans it originates?

The Privacy Policy describes the company's services as 'mortgage and loan origination services'. Royal United's pages do not say whether it services loans after closing; its Licensing page lists a South Carolina entry titled 'Mortgage Lender / Servicer License' (#MLS-13390), which this page does not read as describing a servicing practice. Check the servicer named in your closing documents.