Royal Pacific Funding in Georgia vs the state
2.1%Denial rate-17.14 pts vs state
2.7%Decision denial rate-22.37 pts vs state
43.8%Origination rate-10.34 pts vs state
7.13%Median rate+0.50 pts vs state
0.73Rate spread (pts)+0.46 pts vs state
$100kMedian applicant income
21Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 33 | 3.8% | 7.75% | #358 |
| 2024 | 53 | 27 | 11.3% | 7.75% | #423 |
| 2025 | 48 | 21 | 2.1% | 7.13% | #443 |
What Royal Pacific Funding lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Royal Pacific Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 12 | 6 | 0 | 0.0% |
| DeKalb County | 8 | 3 | 0 | 0.0% |
| Gwinnett County | 6 | 1 | 0 | 0.0% |
| Paulding County | 3 | 1 | 0 | 0.0% |
| Rockdale County | 3 | 2 | 1 | 33.3% |
| Cobb County | 2 | 0 | 0 | 0.0% |
| Douglas County | 1 | 0 | 0 | 0.0% |
| Dawson County | 1 | 0 | 0 | 0.0% |
| Cherokee County | 1 | 0 | 0 | 0.0% |
| Pickens County | 1 | 0 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 48 applications in 2025, of which 21 were originated and 1 denied.
2.1% of all applications, or 2.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Royal Pacific Funding originated in Georgia in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Royal Pacific Funding's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology