Royal Pacific Funding in Illinois vs the state
5.3%Denial rate-11.86 pts vs state
5.7%Decision denial rate-15.97 pts vs state
52.6%Origination rate-6.11 pts vs state
7.25%Median rate+0.50 pts vs state
0.76Rate spread (pts)+0.38 pts vs state
$138kMedian applicant income
20Loans originated
2Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 17 | 6.1% | 7.63% | #518 |
| 2024 | 42 | 16 | 7.1% | 7.56% | #476 |
| 2025 | 38 | 20 | 5.3% | 7.25% | #499 |
What Royal Pacific Funding lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Royal Pacific Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 26 | 11 | 2 | 7.7% |
| DuPage County | 4 | 4 | 0 | 0.0% |
| Lake County | 4 | 3 | 0 | 0.0% |
| Will County | 1 | 1 | 0 | 0.0% |
| Kendall County | 1 | 0 | 0 | 0.0% |
| Williamson County | 1 | 0 | 0 | 0.0% |
| Kane County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 38 applications in 2025, of which 20 were originated and 2 denied.
5.3% of all applications, or 5.7% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Royal Pacific Funding originated in Illinois in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Royal Pacific Funding's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology