ROYAL PACIFIC FUNDING CORP.
2,244 mortgages originated in 2025 across 3 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,244
- Median rate
- 6.750%
- Median lender fees
- $14,810
- Median loan amount
- $475,000
- Median spread over APOR
- 0.548
- Paid discount points
- 31.3%
- Received lender credits
- 34.6%
- Purchases / refinances
- 59.8% / 36%
- Conventional / FHA / VA
- 69.5% / 28.5% / 2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 81.7% of loans here — see methodology.
Where ROYAL PACIFIC FUNDING CORP. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 1,753 | $15,799 | 6.625% |
| Florida | 82 | $12,413 | 6.990% |
| Texas | 73 | — | 6.875% |