Royal Pacific Funding in Oregon vs the state
3.9%Denial rate-11.46 pts vs state
3.9%Decision denial rate-15.31 pts vs state
69.2%Origination rate+8.61 pts vs state
6.87%Median rate+0.12 pts vs state
0.74Rate spread (pts)+0.46 pts vs state
$125kMedian applicant income
18Loans originated
1Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 4 | 14.3% | 7.38% | #381 |
| 2024 | 13 | 3 | 7.7% | 9.13% | #318 |
| 2025 | 26 | 18 | 3.9% | 6.87% | #278 |
What Royal Pacific Funding lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Royal Pacific Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 11 | 8 | 1 | 9.1% |
| Clackamas County | 7 | 3 | 0 | 0.0% |
| Washington County | 3 | 2 | 0 | 0.0% |
| Polk County | 3 | 3 | 0 | 0.0% |
| Douglas County | 1 | 1 | 0 | 0.0% |
| Marion County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 26 applications in 2025, of which 18 were originated and 1 denied.
3.9% of all applications, or 3.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Royal Pacific Funding originated in Oregon in 2025 was 6.87%, against a statewide median of 6.75%.
About this data. Figures are Royal Pacific Funding's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology