# ROYAL PACIFIC FUNDING CORP.

> **Canonical URL:** https://saferate.com/lenders/royal-pacific-funding


> **📋 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 PACIFIC FUNDING CORP. is a independent mortgage company, headquartered in LADERA RANCH, CA, serving borrowers across 26 states, with 1,190 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 84% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493003NV9L53LK1XI52
- **Headquarters:** LADERA RANCH, CA
- **Geographic Reach:** Near-National
- **States Served:** 26
- **State List:** AL, AR, AZ, CA, CO, FL, GA, ID, IL, IN, MI, MN, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA
- **Markets (MSAs):** 15
- **Primary Channel:** wholesale
- **Direct Origination:** 0%
- **Brokered/Wholesale:** 100%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 16/100
- Rating: ●○○○○ (1/5)

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.721%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,787
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,190
- **Dollar Volume:** $650 million
- **Applications Received:** 2,352
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $546,622
- **Average Borrower Income:** $236,780
- **Average Property Value:** $724,815

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 630 | +0.822% | $5,511 | Sound ☺️ |
| FHA | 76/100 | 474 | +0.618% | $3,988 | Strong 😀 |
| VA | 57/100 | 17 | -0.047% | $2,798 | Sound ☺️ |
| Jumbo | 75/100 | 69 | +0.995% | $5,450 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 438 loans, Score: 55/100 (Sound)
- Refinance: 192 loans, Score: 63/100 (Strong)

**FHA:**
- Purchase: 395 loans, Score: 75/100 (Strong)
- Refinance: 79 loans, Score: 77/100 (Strong)

**Jumbo:**
- Purchase: 37 loans, Score: 71/100 (Strong)
- Refinance: 32 loans, Score: 80/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 883 | $475M | +0.748% | Strong 😀 |
| Refinance | 66/100 | 307 | $175M | +0.658% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 956 | 0.34% | 80/100 |
| FL | 58 | 0.02% | 50/100 |
| TX | 37 | 0.01% | 45/100 |
| NJ | 25 | 0.03% | 47/100 |
| NV | 18 | 0.04% | 46/100 |
| MI | 14 | 0.01% | 40/100 |
| AZ | 13 | 0.01% | 39/100 |
| NC | 12 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Los Angeles | CA | 401 | 83/100 |
| Riverside | CA | 339 | 80/100 |
| Bakersfield | CA | 52 | 64/100 |
| Anaheim | CA | 51 | 61/100 |
| Sacramento | CA | 22 | 48/100 |
| Las Vegas | NV | 17 | 45/100 |
| Oakland | CA | 16 | 46/100 |
| San Diego | CA | 14 | 43/100 |
| Non |  | 14 | 22/100 |
| Fresno, CA | CA | 12 | 43/100 |
| Houston | TX | 12 | 39/100 |
| New York | NY-NJ | 12 | 40/100 |
| Orlando | FL | 10 | 38/100 |
| Oxnard | CA | 10 | 41/100 |
| Phoenix | AZ | 10 | 38/100 |

## Frequently Asked Questions

### What loan types does ROYAL PACIFIC FUNDING CORP. offer?

ROYAL PACIFIC FUNDING CORP. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ROYAL PACIFIC FUNDING CORP. offer mortgages?

ROYAL PACIFIC FUNDING CORP. offers mortgages in 26 states: AL, AR, AZ, CA, CO, FL, GA, ID, IL, IN, MI, MN, NC, NJ, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA.

### How competitive are ROYAL PACIFIC FUNDING CORP.'s mortgage rates?

ROYAL PACIFIC FUNDING CORP. has a pricing score of 16/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.721% above market average.

### What type of lender is ROYAL PACIFIC FUNDING CORP.?

ROYAL PACIFIC FUNDING CORP. is a non-depository lender that specializes in mortgage origination, headquartered in LADERA RANCH, CA.

### What is ROYAL PACIFIC FUNDING CORP.'s loan approval success rate?

ROYAL PACIFIC FUNDING CORP. has a pull-through score of 54/100 (Sound). 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-pacific-funding

### How to Cite

> "ROYAL PACIFIC FUNDING CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/royal-pacific-funding

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