Lenders › Royal Pacific Funding › California
Royal Pacific Funding in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Royal Pacific Funding's 2024 HMDA record for California covers 2,516 applications, 1,344 of them originated, worth $672m.
Its denial rate in the state was 4.3%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 5.1%.
The median rate spread on its California originations was 0.8 percentage points (state median 0.4).
Applications in the state were up 13% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Royal Pacific Funding, all states | United States |
|---|---|---|---|---|
| Denial rate | 4.3% | 24.8% | 5.1% | 24.3% |
| Median rate spread, pp | 0.8 | 0.4 | 1.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 21.9% | 19.9% | 30.1% | 15.6% |
| Average originated loan | $500k | $566k | $453k | $329k |
| Home purchase share | 64.5% | 51.2% | 65.7% | 57.0% |
| FHA-insured share | 29.8% | 11.4% | 26.1% | 13.4% |
| VA-guaranteed share | 1.0% | 4.8% | 0.9% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 65% (867)Refinancing 7% (89)Cash-out refinancing 24% (324)Other purpose 5% (64)
By type
Conventional 69% (930)FHA 30% (400)VA 1% (14)
Denial reasons as coded
Share of 102 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 1,042 | 570 | $324m | 4.3% |
| San Bernardino County | 439 | 253 | $98m | 3.1% |
| Riverside County | 332 | 176 | $84m | 5.0% |
| Kern County | 159 | 92 | $23m | 5.3% |
| Orange County | 153 | 76 | $57m | 5.8% |
| San Diego County | 76 | 27 | $18m | 8.2% |
| Sacramento County | 49 | 23 | $8.6m | 2.1% |
| Ventura County | 37 | 19 | $9.4m | 8.8% |
| Alameda County | 31 | 14 | $10m | 3.3% |
| Contra Costa County | 32 | 13 | $6.1m | 3.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Royal Pacific Funding originate in California in 2024?
1,344 loans totalling $672m, from 2,516 applications reported for properties in California.
What is Royal Pacific Funding's denial rate in California?
4.3% of decided applications in California were denied, against 24.8% for all lenders in the state and 5.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Royal Pacific Funding lend in most?
By originations: Los Angeles County (570), San Bernardino County (253), Riverside County (176), Kern County (92), Orange County (76).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.