Royal Pacific Funding in Texas vs the state
6.5%Denial rate-12.89 pts vs state
7.9%Decision denial rate-16.96 pts vs state
47.7%Origination rate-7.17 pts vs state
6.88%Median rate+0.38 pts vs state
0.81Rate spread (pts)+0.62 pts vs state
$112kMedian applicant income
73Loans originated
10Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 239 | 111 | 2.9% | 8.13% | #364 |
| 2024 | 180 | 75 | 6.7% | 7.75% | #424 |
| 2025 | 153 | 73 | 6.5% | 6.88% | #471 |
What Royal Pacific Funding lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Royal Pacific Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 26 | 9 | 2 | 7.7% |
| Dallas County | 16 | 6 | 1 | 6.3% |
| Denton County | 16 | 10 | 1 | 6.3% |
| Bowie County | 14 | 9 | 0 | 0.0% |
| Tarrant County | 11 | 5 | 1 | 9.1% |
| Bexar County | 9 | 4 | 0 | 0.0% |
| Collin County | 6 | 3 | 1 | 16.7% |
| Fort Bend County | 6 | 2 | 0 | 0.0% |
| Midland County | 6 | 3 | 1 | 16.7% |
| Brazoria County | 5 | 3 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 153 applications in 2025, of which 73 were originated and 10 denied.
6.5% of all applications, or 7.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Royal Pacific Funding originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Royal Pacific Funding's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology