ROYAL PACIFIC FUNDING CORP. closing costs and rates (2024)
In 2024, ROYAL PACIFIC FUNDING CORP. originated 812 purchase mortgages at a median interest rate of 6.88% and median total closing costs of $17,073. That ranks #435 nationally by origination volume. For total closing costs among lenders with 500+ originations, ROYAL PACIFIC FUNDING CORP. ranks #633. That is $10,332 above the national median of $6,741. ROYAL PACIFIC FUNDING CORP. is most active in California with 642 originations there.
Purchase Originations
812
Ranked #435 nationally
Median Total Costs
$17,073
+153.3% vs national ($6,741)
Median Rate
6.875%
+3.9% vs national (6.620%)
Median Origination
$8,327
Median Lender Credits
$2,658
Cost Rank (500+ vol.)
#633
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 404 | 7.125% | $14,918 | $10,180 |
| fha | 395 | 6.500% | $18,828 | $6,325 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| California | 642 | 6.625% | $17,853 | #59 |
| Florida | 47 | 7.250% | $15,118 | — |
| Texas | 31 | 7.125% | $12,395 | — |
| New Jersey | 19 | 6.990% | $18,330 | — |
| Arizona | 8 | 7.875% | $11,723 | — |
| Georgia | 8 | 7.750% | $16,087 | — |
| Michigan | 8 | 7.438% | $7,676 | — |
| Nevada | 8 | 7.062% | $17,512 | — |
| North Carolina | 7 | 7.625% | $13,272 | — |
| Virginia | 6 | 6.990% | $7,127 | — |
| South Carolina | 4 | 7.240% | $10,424 | — |
| Tennessee | 4 | 7.375% | $12,959 | — |
| Alabama | 3 | 7.250% | $9,878 | — |
| Illinois | 3 | 7.490% | $6,148 | — |
| Pennsylvania | 3 | 7.250% | $15,158 | — |
| Minnesota | 2 | 8.620% | $13,559 | — |
| Washington | 2 | 7.500% | $15,258 | — |
| Arkansas | 1 | 6.990% | $14,088 | — |
| Colorado | 1 | 7.250% | $30,288 | — |
| Idaho | 1 | 8.875% | $18,861 | — |
| New Mexico | 1 | 8.875% | $8,879 | — |
| Ohio | 1 | 6.990% | $14,076 | — |
| Oregon | 1 | 7.625% | $17,907 | — |
| Utah | 1 | 7.625% | $16,443 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,565 | 7.562% | — | 4 | −$10,508 | |
| 2 | $7,416 | 9.562% | — | 4 | −$9,657 | |
| 3 | $12,278 | 6.625% | — | 13 | −$4,795 | |
| 4 | $12,379 | 7.500% | — | 5 | −$4,694 | |
| 5 | $12,410 | 6.438% | — | 8 | −$4,663 | |
| 6 | $12,919 | 6.990% | — | 5 | −$4,154 | |
| 7 | $14,237 | 6.875% | — | 3 | −$2,836 | |
| 8 | $14,881 | 6.250% | — | 39 | −$2,192 | |
| 9 | $16,516 | 6.750% | — | 143 | −$557 | |
| 10 | $16,555 | 7.125% | — | 7 | −$518 | |
| 11 | $17,505 | 6.750% | — | 103 | +$432 | |
| 12 | $17,512 | 7.062% | — | 8 | +$439 | |
| 13 | $17,652 | 7.750% | — | 6 | +$579 | |
| 14 | $19,979 | 7.058% | — | 10 | +$2,906 | |
| 15 | $20,015 | 6.625% | — | 253 | +$2,942 | |
| 16 | $20,438 | 7.375% | — | 8 | +$3,365 | |
| 17 | $21,137 | 6.750% | — | 30 | +$4,064 | |
| 18 | $22,741 | 6.750% | — | 5 | +$5,668 | |
| 19 | $24,757 | 7.062% | — | 6 | +$7,684 | |
| 20 | $29,877 | 7.375% | — | 3 | +$12,804 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.