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ROYAL PACIFIC FUNDING CORP.
Independent Mortgage Company|LADERA RANCH, CA|Near-National
Loans Originated
1,190
Applications
2,352
Volume
$650 million
Sources loans from independent brokers
Overall Pricing
Mediocre
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Average Rate Spread
+0.721%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,787
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
50.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in FHA and Jumbo loans
- Nationwide availability with consistent service
Things to Think About
- Rates typically 72 basis points above market average
- Higher than average fees ($4,787)
Report Card
ROYAL PACIFIC FUNDING CORP. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 15 metro areas · 26 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$546,622
Average Borrower Income
$236,780
Average Property Value
$724,815
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Sound | Mediocre | Acceptable | 630 | 52.9% | +0.822% | $5,511 |
FHA Loans | Sound | Strong | Acceptable | Sound | 474 | 39.8% | +0.618% | $3,988 |
VA Loans | Sound | Sound | N/A | Sound | 17 | 1.4% | -0.047% | $2,798 |
Jumbo Loans | Sound | Strong | N/A | Sound | 69 | 5.8% | +0.995% | $5,450 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Strong | Mediocre | Sound | 883 | 74.2% | +0.748% | $4,762 |
Refinance | Acceptable | Strong | Mediocre | Sound | 307 | 25.8% | +0.658% | $4,845 |
Geographic Coverage
Metro Areas
14
States Served
26
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOFLGAIDILINMIMNNCNJNMNVOHOKORPASCTNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
Los Angeles, CAMSA
Volume: 401Mix: 33.70%
Place Specialization
Exceptional
2
Riverside, CAMSA
Volume: 339Mix: 28.49%
Place Specialization
Exceptional
3
Bakersfield, CAMSA
Volume: 52Mix: 4.37%
Place Specialization
Strong
4
Anaheim, CAMSA
Volume: 51Mix: 4.29%
Place Specialization
Strong
5
Sacramento, CAMSA
Volume: 22Mix: 1.85%
Place Specialization
Sound
6
Oakland, CAMSA
Volume: 16Mix: 1.34%
Place Specialization
Sound
7
Las Vegas, NVMSA
Volume: 17Mix: 1.43%
Place Specialization
Sound
8
Fresno, CA, CAMSA
Volume: 12Mix: 1.01%
Place Specialization
Sound
9
San Diego, CAMSA
Volume: 14Mix: 1.18%
Place Specialization
Sound
10
Oxnard, CAMSA
Volume: 10Mix: 0.84%
Place Specialization
Sound
Showing 10 of 14 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 956Mix: 80.34%
Place Specialization
Exceptional
2
FLState
Volume: 58Mix: 4.87%
Place Specialization
Sound
3
NJState
Volume: 25Mix: 2.10%
Place Specialization
Sound
4
NVState
Volume: 18Mix: 1.51%
Place Specialization
Sound
5
TXState
Volume: 37Mix: 3.11%
Place Specialization
Sound
6
MIState
Volume: 14Mix: 1.18%
Place Specialization
Sound
7
AZState
Volume: 13Mix: 1.09%
Place Specialization
Acceptable
8
NCState
Volume: 12Mix: 1.01%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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