Applications / Mortgage Analytics / Lenders / California / Royal Pacific Funding
Costa Mesa, CA · Independent non-bank lender · CFPB · 2,244 loans in 2025
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2,244
loans originated, 2025
3,796
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Royal Pacific Funding, a California lender first reported in 2022, makes large loans, most of them in majority-minority neighborhoods.
It made 2,244 loans in 2025, up 19%, while similar lenders, meaning independent non-bank lenders making between half and twice as many loans, grew 9%. Its typical loan was $475,000, against $315,000 at its peers, larger than more than nine in ten of them. Jumbo loans, larger than the conforming limit, were 5.2% of its lending, against 1.1%.
Some 71.8% of its loans went to majority-minority neighborhoods, against 24.8% at similar lenders, higher than nearly all of them. It also lent more in low- and moderate-income neighborhoods: 30.7%, against 19.1%.
Only 9.7% of its borrowers had low or moderate incomes, against 28.2% at its peers, among the lowest tenth. Its large loans may account for much of that, since bigger loans go with bigger incomes. The income test is set against each area's incomes, so borrowers in poorer neighborhoods can still clear it.
It ranks 32 of 707 lenders in Riverside-San Bernardino-Ontario, with an unchanged 0.6% share, and 35 of 757 in Los Angeles. In Bakersfield its share rose from 0.6% to 0.7%. Loans insured by the Federal Housing Administration made up 28.5% of its lending, against 22.3% at its peers.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Royal Pacific Funding took 3,796 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.8% · Refinance 36.0% · Other 4.2%
Conventional 69.5% · FHA 28.5% · VA 2.0% · of 2,244 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 |
|---|---|---|
| California | 1,753 | 78.1% |
| Florida | 82 | 3.7% |
| Texas | 73 | 3.3% |
| Nevada | 38 | 1.7% |
| Arizona | 34 | 1.5% |
| New Jersey | 27 | 1.2% |
| Virginia | 27 | 1.2% |
| Colorado | 23 | 1.0% |
| Georgia | 21 | 0.9% |
| Illinois | 20 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 818 |
| Riverside-San Bernardino-Ontario | 476 |
| Anaheim-Santa Ana-Irvine | 106 |
| Bakersfield-Delano | 101 |
| Sacramento-Roseville-Folsom | 46 |
| San Diego-Chula Vista-Carlsbad | 39 |
| Las Vegas-Henderson-North Las Vegas | 38 |
| Oxnard-Thousand Oaks-Ventura | 34 |
| Oakland-Fremont-Berkeley | 29 |
| Phoenix-Mesa-Chandler | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003NV9L53LK1XI52 | 2022–2025 |
Established date not on record. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Royal Pacific Funding's data.
Royal Pacific Funding's data
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Royal Pacific Funding 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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