What loan types does Royal Business Bank offer?

Royal Business Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 8.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Royal Business Bank?

Royal Business Bank is a Bank headquartered in Los Angeles, CA.

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Royal Business Bank

Bank•Los Angeles, CAHQ•Direct•Reviews near you on Google

Royal Business Bank has 106 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Royal Business Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+36.9 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Regional · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Mediocre	Acceptable	106	100.0%	+0.370%Above	$3,712Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume106

Mix100.0%

Spread

+0.370%Above

Fees

$3,712Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Mediocre	Acceptable	97	91.5%	+0.359%Above	$3,787Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Acceptable

Volume97

Mix91.5%

Spread

+0.359%Above

Fees

$3,787Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

106

Applications

169

Volume

$47 million

Pricing & Closing

Avg Rate Spread

+0.369%

vs. market APOR

Avg Net Fees

$3,723

Origination − Credits

Pullthrough Rate

62.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$444,906

Avg Borrower Income

$137,226

Avg Property Value

$766,415

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast2

NJNY

Midwest1

West1

Top Metro Areas by Place Specialization Score

New York, NY-NJMetro

Volume 89Mix 83.96% of portfolio

72/100

Strong

Top States by Place Specialization Score

New YorkState

Volume 95Mix 89.62% of portfolio

68/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.