Royal Pacific Funding in California vs the state
2.0%Denial rate-15.47 pts vs state
2.2%Decision denial rate-20.17 pts vs state
62.1%Origination rate+5.94 pts vs state
6.63%Median rate0.00 pts vs state
0.49Rate spread (pts)+0.22 pts vs state
$161kMedian applicant income
1,753Loans originated
55Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,222 | 1,223 | 2.8% | 7.13% | #69 |
| 2024 | 2,516 | 1,344 | 4.1% | 6.99% | #72 |
| 2025 | 2,821 | 1,753 | 2.0% | 6.63% | #72 |
What Royal Pacific Funding lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Royal Pacific Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,283 | 818 | 26 | 2.0% |
| San Bernardino County | 414 | 259 | 4 | 1.0% |
| Riverside County | 351 | 217 | 8 | 2.3% |
| Orange County | 182 | 106 | 3 | 1.6% |
| Kern County | 160 | 101 | 0 | 0.0% |
| San Diego County | 82 | 39 | 1 | 1.2% |
| Ventura County | 49 | 34 | 0 | 0.0% |
| Sacramento County | 43 | 31 | 1 | 2.3% |
| Contra Costa County | 29 | 17 | 3 | 10.3% |
| Alameda County | 25 | 12 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,821 applications in 2025, of which 1,753 were originated and 55 denied.
2.0% of all applications, or 2.2% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Royal Pacific Funding originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Royal Pacific Funding's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology