# Royal Business Bank

> **Canonical URL:** https://saferate.com/lenders/royal-business-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Royal Business Bank is a bank, headquartered in Los Angeles, CA, serving borrowers across 4 states, with 106 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 92% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 69% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493003B20KZ3DEZGB43
- **Headquarters:** Los Angeles, CA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** CA, IL, NJ, NY
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 97.6%
- **Brokered/Wholesale:** 2.4%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 8/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 31/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.369%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,723
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 106
- **Dollar Volume:** $47 million
- **Applications Received:** 169
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $444,906
- **Average Borrower Income:** $137,226
- **Average Property Value:** $766,415

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 106 | +0.370% | $3,712 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 97 loans, Score: 35/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 35/100 | 97 | $44M | +0.359% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 95 | 0.08% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 89 | 72/100 |

## Frequently Asked Questions

### What loan types does Royal Business Bank offer?

Royal Business Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Royal Business Bank offer mortgages?

Royal Business Bank offers mortgages in 4 states: CA, IL, NJ, NY.

### How competitive are Royal Business Bank's mortgage rates?

Royal Business Bank has a pricing score of 8/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.369% above market average.

### What type of lender is Royal Business Bank?

Royal Business Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Los Angeles, CA.

### What is Royal Business Bank's loan approval success rate?

Royal Business Bank has a pull-through score of 31/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/royal-business-bank

### How to Cite

> "Royal Business Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/royal-business-bank

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