Royal Pacific Funding Corp. mortgage approval rate & lending review
Royal Pacific Funding Corp. decided 9,284 mortgage applications and funded 5,465 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Royal Pacific Funding Corp. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to rpfcorp.com.
Royal Pacific Funding Corp. at a glance
Approval is 13.8 points above the 82.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 4,899 / 5,055 | 64% | $505K | 3,126 |
| Cash-out refinance | 95% | 1,053 / 1,107 | 56% | $495K | 587 |
| Refinance | 97% | 612 / 628 | 56% | $625K | 340 |
| Investment property purchase | 96% | 1,007 / 1,049 | 64% | $325K | 643 |
| Investment cash-out refinance | 94% | 997 / 1,061 | 61% | $395K | 604 |
| Investment refinance | 95% | 365 / 383 | 45% | $405K | 165 |
Royal Pacific Funding Corp. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 97% | $545K | 6,600 | 4,101 |
| Florida | 93% | $335K | 634 | 286 |
| Texas | 95% | $235K | 466 | 219 |
| Nevada | 97% | $285K | 207 | 123 |
| New Jersey | 96% | $425K | 191 | 105 |
| Arizona | 94% | $375K | 141 | 81 |
| Georgia | 95% | $245K | 136 | 64 |
| Michigan | 98% | $155K | 121 | 74 |
| Illinois | 93% | $235K | 101 | 52 |
| North Carolina | 93% | $255K | 70 | 40 |
| Colorado | 96% | $415K | 56 | 37 |
| Virginia | 94% | $285K | 54 | 38 |
| Pennsylvania | 96% | $235K | 53 | 27 |
| South Carolina | 96% | $225K | 50 | 30 |
| Tennessee | 98% | $235K | 49 | 30 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Royal Pacific Funding Corp. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Mortgage lenders | 98% | 1,466 | 988 |
| San Bernardino County, CA | Mortgage lenders | 98% | 830 | 538 |
| Riverside County, CA | Mortgage lenders | 97% | 555 | 357 |
| Los Angeles County, CA | Cash-out refinance | 96% | 445 | 256 |
| Los Angeles County, CA | Investment cash-out refinance | 95% | 297 | 178 |
| Kern County, CA | Mortgage lenders | 97% | 275 | 172 |
| Los Angeles County, CA | Investment property purchase | 96% | 216 | 139 |
| Los Angeles County, CA | Refinance | 97% | 237 | 131 |
| Orange County, CA | Mortgage lenders | 97% | 173 | 107 |
| San Bernardino County, CA | Cash-out refinance | 98% | 122 | 73 |
| Riverside County, CA | Cash-out refinance | 96% | 114 | 65 |
| Los Angeles County, CA | Investment refinance | 98% | 91 | 49 |
The county markets where Royal Pacific Funding Corp. made the most loans. Each link opens that market with every lender ranked.
Questions about Royal Pacific Funding Corp.
What is Royal Pacific Funding Corp.'s mortgage approval rate?
Royal Pacific Funding Corp. approved 96.2% of the 9,284 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.8 points above the 82.5% national rate for the same mix of loan types.
How often do borrowers take the loan Royal Pacific Funding Corp. offers?
Borrowers accepted 61% of the loans Royal Pacific Funding Corp. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Royal Pacific Funding Corp. make?
The typical home purchase mortgage loan Royal Pacific Funding Corp. made was $505K; across all loan types its typical loan ran from $325K to $625K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Royal Pacific Funding Corp. lend?
Royal Pacific Funding Corp. decided applications in 42 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to Royal Pacific Funding Corp. directly?
Yes. Royal Pacific Funding Corp. reports as a direct lender that takes applications from borrowers. Its website is rpfcorp.com.
Does this page show Royal Pacific Funding Corp.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Royal Pacific Funding Corp. treats applications, then get a rate quote from the lender.