Royal Pacific Funding
We analyzed every closed loan from Royal Pacific Funding — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Near-National · 14 mkts
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)
Explore another lender or local market
Report Card
Royal Pacific Funding performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+72.1 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 15 markets
Sound
Top 60% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 630 | 52.9% | +0.822%Above | $5,511Fees | ||||
FHA Loans | 474 | 39.8% | +0.618%Above | $3,988Fees | ||||
VA Loans | — | 17 | 1.4% | -0.047%Below | $2,798Fees | |||
Jumbo Loans | — | 69 | 5.8% | +0.995%Above | $5,450Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume630
Mix52.9%
Spread
+0.822%Above
Fees
$5,511Fees
FHA Loans
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume474
Mix39.8%
Spread
+0.618%Above
Fees
$3,988Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughSound
Volume17
Mix1.4%
Spread
-0.047%Below
Fees
$2,798Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
Volume69
Mix5.8%
Spread
+0.995%Above
Fees
$5,450Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 883 | 74.2% | +0.748%Above | $4,762Fees | ||||
Refinance | 307 | 25.8% | +0.658%Above | $4,845Fees |
Purchase
OverallAcceptable
ProductStrong
PricingMediocre
Pull ThroughSound
Volume883
Mix74.2%
Spread
+0.748%Above
Fees
$4,762Fees
Refinance
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume307
Mix25.8%
Spread
+0.658%Above
Fees
$4,845Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
1,190
Applications
2,352
Volume
$650 million
Pricing & Closing
Avg Rate Spread
+0.721%
vs. market APOR
Avg Net Fees
$4,787
Origination − Credits
Pullthrough Rate
50.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$546,622
Avg Borrower Income
$236,780
Avg Property Value
$724,815
Geographic Coverage
Geographic Performance
Metro Areas
14
markets with activity
States Served
26
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
26Northeast2
NJPA
Midwest5
ILINMIMNOH
South10
ALARFLGANCOKSCTNTXVA
West9
AZCACOIDNMNVORUTWA
Top Metro Areas by Place Specialization Score
Volume 401Mix 33.70% of portfolio
83/100
Exceptional
Volume 339Mix 28.49% of portfolio
80/100
Exceptional
Volume 52Mix 4.37% of portfolio
64/100
Strong
Volume 51Mix 4.29% of portfolio
61/100
Strong
Volume 22Mix 1.85% of portfolio
48/100
Sound
Volume 16Mix 1.34% of portfolio
46/100
Sound
Volume 17Mix 1.43% of portfolio
45/100
Sound
Volume 12Mix 1.01% of portfolio
43/100
Sound
Volume 14Mix 1.18% of portfolio
43/100
Sound
Volume 10Mix 0.84% of portfolio
41/100
SoundShowing 10 of 14 metro areas
Top States by Place Specialization Score
1
CaliforniaState
Volume 956Mix 80.34% of portfolio
80/100
Exceptional2
FloridaState
Volume 58Mix 4.87% of portfolio
50/100
Sound3
New JerseyState
Volume 25Mix 2.10% of portfolio
47/100
Sound4
NevadaState
Volume 18Mix 1.51% of portfolio
46/100
Sound5
TexasState
Volume 37Mix 3.11% of portfolio
45/100
Sound6
MichiganState
Volume 14Mix 1.18% of portfolio
40/100
Sound7
ArizonaState
Volume 13Mix 1.09% of portfolio
39/100
Acceptable8
North CarolinaState
Volume 12Mix 1.01% of portfolio
37/100
AcceptableHow 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.