Applications / Mortgage Analytics / Lenders / California / Royal Business Bank
Los Angeles, CA · State non-member bank · FDIC · $4.2 billion assets · 653 loans in 2025
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653
loans originated, 2025
999
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Royal Business Bank is a purchase lender making large conventional loans, and its originations rose 74% in 2025, against 9% at similar lenders.
Originations rose from 376 to 653, higher growth than almost all similar lenders (lenders of the same type making between half and twice as many loans); the whole market rose 10%. The rise follows a drop from 841 in 2022 to 206 in 2023, so 2025 is still below its 2018 to 2022 levels. It also bought 94 loans, where the typical similar lender bought none.
Its typical loan was $505,000, against $195,000 at similar lenders, and 9.1% of its loans were jumbo (larger than the conforming limit), against 1.8%. Purchase loans were 78.9% of its lending, all conventional. Its typical rate, 6.50%, was lower than similar lenders' 6.72%.
56.7% of its loans were in majority-minority neighbourhoods, against 7.8% at similar lenders, and 20.9% in low- and moderate-income (LMI) neighbourhoods, against 15.3%. Its share of loans to LMI borrowers, 13.0%, was lower than at more than nine in ten similar lenders and down from 27.7% five years before; its large loan sizes are one possible reason, since bigger loans usually need higher incomes.
It holds 0.1% of the Riverside-San Bernardino-Ontario and Sacramento-Roseville-Folsom markets, both up 0.1 points on 2024, ranking 147 of 707 and 130 of 574. It lends in 12 states and 35 metros, with New York its main state.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Royal Business Bank took 999 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 78.9% · Refinance 12.9% · Other 7.8% · Home improvement 0.5%
Conventional 100.0% · of 653 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 297 | 45.5% |
| California | 239 | 36.6% |
| Illinois | 49 | 7.5% |
| New Jersey | 34 | 5.2% |
| Nevada | 18 | 2.8% |
| Hawaii | 8 | 1.2% |
| Florida | 2 | 0.3% |
| Louisiana | 2 | 0.3% |
| Arizona | 1 | 0.2% |
| Georgia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 267 |
| Los Angeles-Long Beach-Glendale | 80 |
| Chicago-Naperville-Schaumburg | 48 |
| Riverside-San Bernardino-Ontario | 46 |
| Nassau County-Suffolk County | 37 |
| Anaheim-Santa Ana-Irvine | 34 |
| Lakewood-New Brunswick | 18 |
| San Jose-Sunnyvale-Santa Clara | 18 |
| Sacramento-Roseville-Folsom | 16 |
| Las Vegas-Henderson-North Las Vegas | 14 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003B20KZ3DEZGB43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3835454 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358816 | 2011–2017 |
Established 18 November 2008. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Royal Business Bank's data.
Royal Business Bank's data
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Royal Business Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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