Purchase Originations
981
Ranked #384 nationally
Median Total Costs
$17,221
+157.8% vs national ($6,680)
↑ $148 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.500% vs prior year
Median Origination
$8,073
Median Lender Credits
$4,525
Cost Rank (500+ vol.)
#615
among lenders with 500+ originations
Denial Rate
2.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 484 | 6.875% | $14,542 | $9,545 |
| fha | 457 | 6.000% | $20,393 | $6,262 |
| va | 40 | 5.750% | $9,347 | $1,969 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 797 | 6.250% | $18,693 | #51 |
| Florida | 29 | 6.500% | $13,318 | — |
| Texas | 29 | 6.625% | $12,418 | — |
| Colorado | 13 | 6.500% | $8,573 | — |
| Arizona | 12 | 6.750% | $11,451 | — |
| Illinois | 12 | 7.250% | $9,929 | — |
| Nevada | 11 | 6.375% | $14,044 | — |
| New Jersey | 9 | 7.000% | $15,612 | — |
| Oregon | 9 | 6.750% | $15,666 | — |
| Washington | 8 | 5.990% | $13,046 | — |
| Michigan | 7 | 7.250% | $10,848 | — |
| North Carolina | 6 | 6.933% | $12,099 | — |
| Virginia | 6 | 6.688% | $11,993 | — |
| Georgia | 4 | 7.312% | $12,765 | — |
| Minnesota | 4 | 6.375% | $12,094 | — |
| Ohio | 4 | 6.688% | $8,589 | — |
| Pennsylvania | 4 | 7.808% | $16,278 | — |
| Utah | 4 | 6.500% | $12,560 | — |
| Idaho | 3 | 6.125% | $4,664 | — |
| South Carolina | 3 | 6.250% | $6,436 | — |
| Arkansas | 2 | 6.750% | $8,726 | — |
| New Mexico | 2 | 7.625% | $15,887 | — |
| Tennessee | 2 | 5.438% | $8,414 | — |
| Kentucky | 1 | 5.750% | $7,616 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $11,344 | 6.933% | — | 12 | −$5,877 | |
| 2 | $11,492 | 6.688% | — | 8 | −$5,729 | |
| 3 | $11,574 | 6.688% | — | 6 | −$5,647 | |
| 4 | $11,909 | 8.875% | — | 7 | −$5,312 | |
| 5 | $12,131 | 6.875% | — | 9 | −$5,090 | |
| 6 | $12,296 | 6.500% | — | 5 | −$4,925 | |
| 7 | $13,548 | 5.688% | — | 4 | −$3,673 | |
| 8 | $14,044 | 6.375% | — | 11 | −$3,177 | |
| 9 | $14,284 | 6.250% | — | 46 | −$2,937 | |
| 10 | $14,972 | 5.875% | — | 3 | −$2,249 | |
| 11 | $15,164 | 6.750% | — | 3 | −$2,057 | |
| 12 | $16,120 | 6.375% | — | 151 | −$1,101 | |
| 13 | $17,226 | 6.490% | — | 15 | +$5 | |
| 14 | $17,521 | 6.750% | — | 7 | +$300 | |
| 15 | $17,963 | 6.250% | — | 113 | +$742 | |
| 16 | $18,715 | 6.125% | — | 5 | +$1,494 | |
| 17 | $19,070 | 6.250% | — | 15 | +$1,849 | |
| 18 | $19,612 | 6.500% | — | 39 | +$2,391 | |
| 19 | $21,292 | 6.250% | — | 352 | +$4,071 | |
| 20 | $24,286 | 6.000% | — | 3 | +$7,065 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Royal Pacific Funding Corp. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $545,000 | $335,000 | +$210,000 (+62.7%) |
| Median total closing costs | $17,221 | $7,127 | +$10,094 (+141.6%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.