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 score and performance metrics.

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 an overall pricing score of 15.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is ROYAL PACIFIC FUNDING CORP.?

ROYAL PACIFIC FUNDING CORP. is a Independent Mortgage Company headquartered in LADERA RANCH, CA.

Unclaimed

Royal Pacific Funding Corp.

Independent Mortgage Company•LADERA RANCH, CA

We analyzed every closed loan from Royal Pacific Funding — 1.2k loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Sound

closing strength

Products

Strong

FHA · Conventional · VA · Jumbo

Place

Sound

Near-National · 14 mkts

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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)

Explore another lender or local market

Report Card

Royal Pacific Funding Corp. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +72.1 bps above market avg
Pull Through Closing strength	Sound	Industry Standard Top 60% of lenders
By Loan Product· Specialization by type
Conventional	Sound	Industry Standard Top 60% of lenders
FHA	Strong	Highly Competitive Top 40% of lenders
VA	Sound	Industry Standard Top 60% of lenders
Jumbo	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Strong	Highly Competitive Top 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Near-National15 markets

Loan Product Performance

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%Above	$5,511Fees
FHA Loans	Sound	Strong	Acceptable	Sound	474	39.8%	+0.618%Above	$3,988Fees
VA Loans	Sound	Sound	—	Sound	17	1.4%	-0.047%Below	$2,798Fees
Jumbo Loans	Sound	Strong	—	Sound	69	5.8%	+0.995%Above	$5,450Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Strong	Mediocre	Sound	883	74.2%	+0.748%Above	$4,762Fees
Refinance	Acceptable	Strong	Mediocre	Sound	307	25.8%	+0.658%Above	$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

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALARAZCACOFLGAIDILINMIMNNCNJNMNVOHOKORPASCTNTXUTVAWA

Top Metro Areas by Place Specialization Score

Los Angeles, CAMSA

Volume: 401Mix: 33.70%of portfolio

Place

Exceptional

Riverside, CAMSA

Volume: 339Mix: 28.49%of portfolio

Place

Exceptional

Bakersfield, CAMSA

Volume: 52Mix: 4.37%of portfolio

Place

Strong

Anaheim, CAMSA

Volume: 51Mix: 4.29%of portfolio

Place

Strong

Sacramento, CAMSA

Volume: 22Mix: 1.85%of portfolio

Place

Sound

Oakland, CAMSA

Volume: 16Mix: 1.34%of portfolio

Place

Sound

Las Vegas, NVMSA

Volume: 17Mix: 1.43%of portfolio

Place

Sound

Fresno, CA, CAMSA

Volume: 12Mix: 1.01%of portfolio

Place

Sound

San Diego, CAMSA

Volume: 14Mix: 1.18%of portfolio

Place

Sound

Oxnard, CAMSA

Volume: 10Mix: 0.84%of portfolio

Place

Sound

Showing 10 of 14 metro areas

Top States by Place Specialization Score

CAState

Volume: 956Mix: 80.34%of portfolio

Place

Exceptional

FLState

Volume: 58Mix: 4.87%of portfolio

Place

Sound

NJState

Volume: 25Mix: 2.10%of portfolio

Place

Sound

NVState

Volume: 18Mix: 1.51%of portfolio

Place

Sound

TXState

Volume: 37Mix: 3.11%of portfolio

Place

Sound

MIState

Volume: 14Mix: 1.18%of portfolio

Place

Sound

AZState

Volume: 13Mix: 1.09%of portfolio

Place

Acceptable

NCState

Volume: 12Mix: 1.01%of portfolio

Place

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

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.