Royal Pacific Funding in Florida vs the state
9.6%Denial rate-11.46 pts vs state
11.8%Decision denial rate-15.43 pts vs state
46.3%Origination rate-6.36 pts vs state
6.99%Median rate+0.37 pts vs state
0.87Rate spread (pts)+0.60 pts vs state
$145kMedian applicant income
82Loans originated
17Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 277 | 112 | 3.3% | 7.75% | #332 |
| 2024 | 259 | 100 | 8.9% | 7.63% | #338 |
| 2025 | 177 | 82 | 9.6% | 6.99% | #389 |
What Royal Pacific Funding lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Royal Pacific Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Miami-Dade County | 30 | 12 | 4 | 13.3% |
| Broward County | 21 | 10 | 4 | 19.0% |
| Lee County | 13 | 8 | 3 | 23.1% |
| Duval County | 12 | 2 | 0 | 0.0% |
| Orange County | 11 | 6 | 0 | 0.0% |
| Palm Beach County | 11 | 4 | 0 | 0.0% |
| Sarasota County | 9 | 3 | 1 | 11.1% |
| Collier County | 8 | 5 | 0 | 0.0% |
| Osceola County | 7 | 3 | 0 | 0.0% |
| Hillsborough County | 6 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 177 applications in 2025, of which 82 were originated and 17 denied.
9.6% of all applications, or 11.8% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Royal Pacific Funding originated in Florida in 2025 was 6.99%, against a statewide median of 6.63%.
About this data. Figures are Royal Pacific Funding's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology