Lender in California · HMDA 2025
Royal Pacific Funding Corp. mortgages in California
Royal Pacific Funding Corp.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Royal Pacific Funding Corp. originated 1,209 owner-occupied single-family loans in California from 1,676 completed applications.
Its median conventional purchase loan costs were $15,480 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.875% (California: 6.625%).
Loans in CA
1,209
of 1,676 applications
Denial rate
1.9%
Purchase · CA 8.9%
Rate spread
+0.51 pts
Conv. · CA +0.09 pts
Loan amount
$575,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,046 | 787 | 1.9% | 6.875% | +0.51 pts | $15,480 | $575,000 |
| Refinance | 298 | 191 | 1.3% | 6.625% | +0.27 pts | $12,380 | $585,000 |
| Cash-out refinance | 332 | 231 | 2.4% | 6.875% | +0.56 pts | $15,280 | $505,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Royal Pacific Funding Corp. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| San Bernardino County | 14 | 212 | 1.1% |
| Los Angeles County | 19 | 551 | 1.0% |
| Inyo County | 20 | 1 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology