Royal Pacific Funding
Newport Beach, CA · What the federal mortgage record shows about how Royal Pacific Funding treated New Jersey applicants, 2018–2025 — 221 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 221 New Jersey applications Royal Pacific Funding approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Royal Pacific Funding’s rates ran +1.24 pp higher than the typical New Jersey lender (average rate spread +1.62 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Royal Pacific Funding approves
Why Royal Pacific Funding denied applications
Where Royal Pacific Funding lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Essex County | 77 | 98.7% |
| Hudson County | 36 | 97.2% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Royal Pacific Funding’s home-purchase originations — 2.33 points higher than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Royal Pacific Funding to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Royal Pacific Funding (LEI 5493003NV9L53LK1XI52). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →