Mortgage company · complaint record
Royal Pacific Funding complaints
Filed under Royal Pacific Funding Corporation
Consumers have filed 70 complaints about Royal Pacific Funding since 2016, 5 of them in the last 12 months (-50% on the year before). It answered 80% on time and closed 0% with relief for the customer. The most common problem is trouble during payment process.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 70
- Last 12 months
- 5
- Answered on time
- 80%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #193 of 595
Since September 2016
-50% vs the year before
Industry: 96%
Typical mortgage company: 5%
Newest: Sep 15, 2026
Most complained-about mortgage lenders & servicers
Royal Pacific Funding complaints by month
The busiest month was July 2021 (5 complaints). Complaints in the last 12 months are down 50% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Royal Pacific Funding answered all time
- Closed with non-monetary relief11.4%
- Closed with explanation6998.6%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Royal Pacific Funding complaints are about
Top Royal Pacific Funding problems
Inside "Struggling to pay mortgage"
- An existing modification, forbearance plan, short sale, or other loss mitigation relief 4
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu 2
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure 2
- Foreclosure 1
Where Royal Pacific Funding complaints come from
Most complaints: California (50), Georgia (4), Colorado (2), Florida (2), Nevada (2).
Royal Pacific Funding compared with other mortgage lenders & servicers
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Midwest Loan ServicesMortgages | 50 | 29 | C |
| 2 | Truhome SolutionsMortgages | 43 | 28 | D |
| 3 | NEXA MortgageMortgages | 8 | 28 | F |
| 4 | HilltopMortgages | 51 | 28 | C |
| 5 | Land Home Financial ServicesMortgages | 21 | 27 | F |
| 6 | First United Bank and TrustMortgages | 60 | 27 | C |
| 7 | A&D MortgageMortgages | 45 | 25 | D |
| 8 | Royal Pacific FundingMortgages | - | 5 | - |
Compare side by side: Royal Pacific Funding vs Midwest Loan Services · Royal Pacific Funding vs Truhome Solutions · Royal Pacific Funding vs NEXA Mortgage · Royal Pacific Funding vs Hilltop
What people say about Royal Pacific Funding
All experiencesNo experiences with Royal Pacific Funding yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Royal Pacific Funding complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Sep 15, 2026 | Mortgages | Struggling to pay mortgageAn existing modification, forbearance plan, short sale, or other loss mitigation relief | Explained |
| Aug 27, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Aug 22, 2026 | Mortgages | Trouble during payment processPayment process | Explained |
| Aug 12, 2026 | Mortgages | Trouble during payment processTrying to communicate with the company to fix an issue while managing or servicing your loan | Explained |
| Mar 19, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Explained |
| Oct 30, 2025 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Sep 18, 2025 | Mortgages | Unable to get your credit report or credit scoreOther problem getting your report or credit score | Explained |
| Sep 9, 2025 | Mortgages | Closing on a mortgageChanges in loan terms during or after closing | Explained |
| Sep 1, 2025 | Mortgages | Closing on a mortgageClosing disclosure or other related disclosures | Explained |
| Aug 28, 2025 | Mortgages | Struggling to pay mortgageForeclosure | Explained |
| Aug 25, 2025 | Mortgages | Struggling to pay mortgageTrying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | Explained |
| Jul 19, 2025 | Mortgages | Trouble during payment processPaying off the loan | Explained |
Questions about Royal Pacific Funding
How many complaints does Royal Pacific Funding have?
Royal Pacific Funding has 70 complaints on record since September 2016, including 5 in the last 12 months and 0 in the last 30 days. That makes it number 1,875 of every company by complaints this year.
Does Royal Pacific Funding respond to complaints?
Yes. Royal Pacific Funding answered 80% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Royal Pacific Funding?
The most common problems are trouble during payment process (20), struggling to pay mortgage (22), closing on a mortgage (7).
Is Royal Pacific Funding legit?
Royal Pacific Funding is a real company with a public complaint record: consumers have complained about it 70 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Royal Pacific Funding legit? for the signals, red flags and how to protect yourself.
Are complaints about Royal Pacific Funding going up or down?
Down. There were 5 complaints in the last 12 months against 10 in the 12 before (-50%). See every month.
How do I file a complaint against Royal Pacific Funding?
Complain to Royal Pacific Funding in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Royal Pacific Funding complaints come from?
Most come from California (50), Georgia (4), Colorado (2). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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