Royal Business Bank
Royal Business Bank received 999 applications in 2025 and made 653 mortgages, in 71 counties across 14 states. The median rate its borrowers got was 6.500% on a median loan of $505,000. Of 721 decisions, 57 were denials — 7.9%, most often for other.
| Legal Entity Identifier | 5493003B20KZ3DEZGB43 |
|---|---|
| Applications received | 999 |
| Mortgages made | 653 |
| Denied | 57 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 278 |
| Loans bought from other lenders | 94 |
| Median rate spread over the prime offer rate | 0.305 points |
| FDIC-insured bank | Yes: Royal Business Bank, 25 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 515 | 6.500% | $495,000 | 5.2% |
| Refinancing | 57 | 6.500% | $735,000 | 11.9% |
| Cash-out refinancing | 27 | 6.875% | $605,000 | 25.0% |
| Other purposes | 54 | 6.875% | $500,000 | 16.9% |
Where Royal Business Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Richmond County, NY | 97 | 6.250% | 4.0% |
| Los Angeles County, CA | 80 | 6.750% | 7.8% |
| Kings County, NY | 78 | 6.375% | 5.9% |
| Queens County, NY | 62 | 6.450% | 10.0% |
| Cook County, IL | 43 | 6.500% | 8.5% |
| Orange County, CA | 34 | 6.750% | 12.8% |
| Nassau County, NY | 33 | 6.450% | 12.8% |
| San Bernardino County, CA | 28 | 6.600% | 6.7% |
| Riverside County, CA | 18 | 6.600% | 0.0% |
| Santa Clara County, CA | 18 | 6.750% | 14.3% |
| Clark County, NV | 14 | 6.288% | 12.5% |
| New York County, NY | 11 | 6.750% | 0.0% |
| Sacramento County, CA | 9 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 9 | Under 10 loans | 10.0% |
| Bergen County, NJ | 8 | Under 10 loans | 0.0% |
| Honolulu County, HI | 7 | Under 10 loans | 12.5% |
| Alameda County, CA | 5 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 5 | Under 10 loans | 0.0% |
| San Diego County, CA | 5 | Under 10 loans | 16.7% |
| Monmouth County, NJ | 5 | Under 10 loans | 16.7% |
| Placer County, CA | 4 | Under 10 loans | 20.0% |
| San Mateo County, CA | 4 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 4 | Under 10 loans | 20.0% |
| Shasta County, CA | 4 | Under 10 loans | 0.0% |
| Washoe County, NV | 4 | Under 10 loans | 0.0% |
| Suffolk County, NY | 4 | Under 10 loans | 33.3% |
| Westchester County, NY | 4 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 3 | Under 10 loans | 0.0% |
| Ventura County, CA | 3 | Under 10 loans | 0.0% |
| Hudson County, NJ | 3 | Under 10 loans | 0.0% |
| Ocean County, NJ | 3 | Under 10 loans | 0.0% |
| El Dorado County, CA | 2 | Under 10 loans | 0.0% |
| Monterey County, CA | 2 | Under 10 loans | 50.0% |
| Solano County, CA | 2 | Under 10 loans | 0.0% |
| Sonoma County, CA | 2 | Under 10 loans | 0.0% |
| Tehama County, CA | 2 | Under 10 loans | 0.0% |
| DuPage County, IL | 2 | Under 10 loans | 0.0% |
| Will County, IL | 2 | Under 10 loans | 0.0% |
| Tangipahoa Parish, LA | 2 | Under 10 loans | 0.0% |
| Mercer County, NJ | 2 | Under 10 loans | 0.0% |
| Albany County, NY | 2 | Under 10 loans | 0.0% |
| Bronx County, NY | 2 | Under 10 loans | 33.3% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Glades County, FL | 1 | Under 10 loans | 0.0% |
| Okeechobee County, FL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.