Rbc Bank (georgia) Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 5493001JT9MT3Z3Y3M39

Tax ID: 63-0904030

5 stars - out of 5 stars, based on 36 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Rbc Bank (georgia) is a smaller bank specializing in Home Purchase loans. Rbc Bank (georgia) has a high proportion of conventional loans. Their top markets include Miami, Phoenix, Los Angeles, Orlando, and Atlanta among others. Rbc Bank (georgia) has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Rbc Bank (georgia) is typically an average fee lendor.


Originations

1,304

Origination Dollar Volume (All Markets)

$591,760,000

Employee count

192 Show all (23) awards

Relative Rate

Rbc Bank (georgia)'s average 30 year fixed rate mortgage of loans were 3.12%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.03%.

Relative Fees

Rbc Bank (georgia)'s average total fees for a 30 year fixed rate mortgage are $3,549.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 154 $84,310,000 $547,468 $4,378 2.97%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 77 $38,035,000 $493,961 $3,484 3.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 28 $32,670,000 $1,166,786 $6,309 3.03%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 98 $30,860,000 $314,898 $3,524 3.19%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 89 $23,725,000 $266,573 $2,127 3.33%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 54 $22,170,000 $410,556 $4,154 3.12%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 35 $20,425,000 $583,571 $3,849 3.09%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 15 $19,625,000 $1,308,333 $5,347 2.86%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 31 $18,255,000 $588,871 $4,639 3.20%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 41 $18,195,000 $443,780 $4,107 3.21%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 50 $16,730,000 $334,600 $3,506 3.08%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 41 $16,115,000 $393,049 $3,780 3.07%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 19 $15,415,000 $811,316 $4,900 3.14%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 30 $13,630,000 $454,333 $4,279 3.03%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 12 $10,690,000 $890,833 $4,389 3.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 15 $10,425,000 $695,000 $5,666 3.06%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 15 $10,155,000 $677,000 $3,480 3.08%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 21 $9,285,000 $442,143 $2,797 3.36%
URBAN HONOLULU, HI (FHA|USDA|VA) 6 $9,130,000 $1,521,667 $6,016 2.94%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 32 $8,680,000 $271,250 $3,192 3.04%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 24 $7,510,000 $312,917 $2,199 3.41%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 15 $6,975,000 $465,000 $4,327 3.34%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 11 $6,385,000 $580,455 $3,498 3.24%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 10 $6,000,000 $600,000 $3,419 2.86%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $5,680,000 $946,667 $3,000 2.85%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 7 $5,615,000 $802,143 $4,414 3.04%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 10 $5,470,000 $547,000 $2,635 3.04%
Outside of Metro Areas 24 $5,440,000 $226,667 $2,184 3.10%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $4,580,000 $763,333 $5,658 2.73%
BELLINGHAM, WA (FHA|USDA|VA) 12 $4,090,000 $340,833 $1,931 3.08%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 13 $3,755,000 $288,846 $3,042 3.19%
PORT ST. LUCIE, FL (FHA|USDA|VA) 13 $3,715,000 $285,769 $3,171 3.07%
JACKSONVILLE, FL (FHA|USDA|VA) 10 $3,180,000 $318,000 $3,109 3.29%
RALEIGH-CARY, NC (FHA|USDA|VA) 9 $3,175,000 $352,778 $2,271 2.97%
NAPA, CA (FHA|USDA|VA) 1 $3,105,000 $3,105,000 $11,251 2.63%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $3,000,000 $1,500,000 $7,821 3.19%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 6 $2,890,000 $481,667 $1,455 3.33%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 9 $2,875,000 $319,444 $2,482 3.00%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 5 $2,805,000 $561,000 $4,888 2.85%
MIDLAND, TX (FHA|USDA|VA) 6 $2,600,000 $433,333 $4,304 2.88%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $2,455,000 $491,000 $3,965 3.20%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 6 $2,180,000 $363,333 $3,122 3.29%
Kapaa, HI (FHA|USDA|VA) 2 $2,180,000 $1,090,000 $5,848 3.25%
Hilo, HI (FHA|USDA|VA) 3 $1,935,000 $645,000 $4,598 3.17%
PROVO-OREM, UT (FHA|USDA|VA) 2 $1,770,000 $885,000 $3,706 2.63%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $1,750,000 $875,000 $3,353 3.23%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 6 $1,610,000 $268,333 $3,109 3.06%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 6 $1,420,000 $236,667 $2,258 3.31%
WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) 2 $1,380,000 $690,000 $2,968 3.19%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $1,340,000 $335,000 $1,357 2.84%
SIOUX FALLS, SD (FHA|USDA|VA) 3 $1,325,000 $441,667 $1,978 3.17%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 4 $1,320,000 $330,000 $2,444 3.53%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $1,305,000 $261,000 $2,806 3.38%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $6,682 2.63%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $1,245,000 $249,000 $2,674 3.00%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,200,000 $300,000 $3,220 2.94%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,150,000 $191,667 $2,560 3.27%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $1,145,000 $1,145,000 $3,025 3.88%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,120,000 $280,000 $1,354 3.38%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $1,080,000 $540,000 $3,477 2.50%
TUCSON, AZ (FHA|USDA|VA) 5 $1,035,000 $207,000 $2,425 3.10%
PITTSBURGH, PA (FHA|USDA|VA) 2 $990,000 $495,000 $4,734 3.13%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $885,000 $295,000 $2,558 2.79%
Kalispell, MT (FHA|USDA|VA) 3 $865,000 $288,333 $3,084 2.88%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $830,000 $415,000 $2,079 3.06%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $815,000 $271,667 $3,841 3.13%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $795,000 $265,000 $2,654 3.58%
OCALA, FL (FHA|USDA|VA) 3 $785,000 $261,667 $3,470 3.04%
PANAMA CITY, FL (FHA|USDA|VA) 2 $760,000 $380,000 $3,440 3.38%
Key West, FL (FHA|USDA|VA) 1 $745,000 $745,000 $5,633 2.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 2 $700,000 $350,000 $2,518 3.00%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 2 $690,000 $345,000 $2,146 2.81%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $675,000 $675,000 $2,996 2.50%
Olean, NY (FHA|USDA|VA) 2 $670,000 $335,000 $3,471 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $670,000 $335,000 $3,949 3.13%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $665,000 $221,667 $2,038 2.83%
Big Rapids, MI (FHA|USDA|VA) 2 $660,000 $330,000 $2,190 3.31%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $650,000 $325,000 $8,482 3.19%
Thomaston, GA (FHA|USDA|VA) 1 $645,000 $645,000 $3,641 3.25%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $640,000 $320,000 $2,338 3.38%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $635,000 $211,667 $1,681 2.92%
ROCHESTER, NY (FHA|USDA|VA) 3 $635,000 $211,667 $2,740 3.63%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $620,000 $310,000 $2,381 2.94%
SAVANNAH, GA (FHA|USDA|VA) 3 $605,000 $201,667 $2,497 2.96%
BOULDER, CO (FHA|USDA|VA) 1 $585,000 $585,000 $1,969 2.75%
FORT COLLINS, CO (FHA|USDA|VA) 2 $580,000 $290,000 $1,518 3.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $560,000 $280,000 $3,678 2.81%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $540,000 $270,000 $2,436 3.44%
COLUMBUS, OH (FHA|USDA|VA) 2 $530,000 $265,000 $2,791 3.81%
TYLER, TX (FHA|USDA|VA) 2 $530,000 $265,000 $2,616 3.06%
Heber, UT (FHA|USDA|VA) 1 $525,000 $525,000 $2,534 2.75%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $510,000 $255,000 $2,860 2.63%
SANTA FE, NM (FHA|USDA|VA) 2 $500,000 $250,000 $2,990 3.31%
FORT WAYNE, IN (FHA|USDA|VA) 2 $500,000 $250,000 $822 3.25%
GAINESVILLE, FL (FHA|USDA|VA) 1 $485,000 $485,000 $4,235 2.88%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $480,000 $240,000 $2,530 2.75%
COLUMBIA, SC (FHA|USDA|VA) 2 $460,000 $230,000 $2,075 3.06%
WACO, TX (FHA|USDA|VA) 1 $455,000 $455,000 $4,114 3.13%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $450,000 $225,000 $2,261 2.88%
RICHMOND, VA (FHA|USDA|VA) 1 $445,000 $445,000 $3,588 2.88%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $435,000 $435,000 $3,984 2.75%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $425,000 $425,000 $4,313 2.75%
THE VILLAGES, FL (FHA|USDA|VA) 2 $420,000 $210,000 $2,063 2.63%
Bozeman, MT (FHA|USDA|VA) 1 $415,000 $415,000 $3,199 3.13%
Oak Harbor, WA (FHA|USDA|VA) 1 $415,000 $415,000 $2,075 3.00%
Port Angeles, WA (FHA|USDA|VA) 2 $410,000 $205,000 $2,520 3.63%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $405,000 $405,000 $2,664 3.38%
EL PASO, TX (FHA|USDA|VA) 1 $405,000 $405,000 $3,209 3.13%
BOISE CITY, ID (FHA|USDA|VA) 1 $395,000 $395,000 $3,480 2.75%
ANN ARBOR, MI (FHA|USDA|VA) 1 $395,000 $395,000 $2,402 3.75%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $385,000 $385,000 $991 2.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $385,000 $385,000 $4,225 3.63%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 2 $380,000 $190,000 $2,354 3.19%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $370,000 $185,000 $2,395 3.06%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $365,000 $365,000 $1,585 2.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $335,000 $335,000 $2,828 3.13%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $330,000 $165,000 $1,896 4.00%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $325,000 $325,000 $2,542 3.25%
Warsaw, IN (FHA|USDA|VA) 1 $325,000 $325,000 $944 3.00%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $315,000 $315,000 $2,735 3.00%
GAINESVILLE, GA (FHA|USDA|VA) 1 $315,000 $315,000 $2,335 3.13%
Mount Pleasant, MI (FHA|USDA|VA) 1 $305,000 $305,000 $1,988 3.00%
ITHACA, NY (FHA|USDA|VA) 1 $305,000 $305,000 $2,934 3.38%
CASPER, WY (FHA|USDA|VA) 1 $305,000 $305,000 $961 3.38%
DULUTH, MN-WI (FHA|USDA|VA) 1 $295,000 $295,000 $2,195 2.63%
Plattsburgh, NY (FHA|USDA|VA) 2 $290,000 $145,000 $2,675 3.06%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $285,000 $285,000 $1,047 2.88%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $275,000 $275,000 $2,244 3.25%
SYRACUSE, NY (FHA|USDA|VA) 1 $275,000 $275,000 $2,645 2.63%
FRESNO, CA (FHA|USDA|VA) 1 $265,000 $265,000 $2,798 3.88%
Portsmouth, OH (FHA|USDA|VA) 1 $265,000 $265,000 $2,701 3.00%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $265,000 $265,000 $1,371 3.00%
LOGAN, UT-ID (FHA|USDA|VA) 1 $265,000 $265,000 $2,239 2.75%
TOLEDO, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,348 3.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $255,000 $255,000 $1,658 3.00%
MONROE, LA (FHA|USDA|VA) 1 $245,000 $245,000 $2,364 3.25%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $230,000 $115,000 $2,215 3.31%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $225,000 $225,000 $2,351 2.88%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $225,000 $225,000 $1,826 3.50%
Breckenridge, CO (FHA|USDA|VA) 1 $225,000 $225,000 $1,643 2.88%
GREENVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,551 2.63%
Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $220,000 $110,000 $3,344 2.94%
RENO, NV (FHA|USDA|VA) 1 $215,000 $215,000 $2,247 3.88%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $215,000 $215,000 $1,344 3.38%
ODESSA, TX (FHA|USDA|VA) 1 $215,000 $215,000 $2,759 3.13%
Gainesville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $3,094 3.13%
GETTYSBURG, PA (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.63%
FARGO, ND-MN (FHA|USDA|VA) 1 $195,000 $195,000 $1,760 3.63%
ROCHESTER, MN (FHA|USDA|VA) 1 $195,000 $195,000 $1,990 3.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $195,000 $195,000 $1,921 2.75%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $195,000 $195,000 $812 3.00%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $185,000 $185,000 $1,635 2.75%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $165,000 $165,000 $1,966 2.63%
KOKOMO, IN (FHA|USDA|VA) 1 $165,000 $165,000 $804 2.88%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,114 3.13%
Pittsburg, KS (FHA|USDA|VA) 1 $145,000 $145,000 $1,812 3.13%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $135,000 $135,000 $1,076 3.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,939 3.63%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,329 3.63%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $125,000 $125,000 $744 2.88%
London, KY (FHA|USDA|VA) 1 $125,000 $125,000 $2,030 2.63%
IOWA CITY, IA (FHA|USDA|VA) 1 $125,000 $125,000 $1,650 3.75%
Farmington, MO (FHA|USDA|VA) 1 $125,000 $125,000 $1,444 3.25%
Moberly, MO (FHA|USDA|VA) 1 $125,000 $125,000 $617 2.88%
CORPUS CHRISTI, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,289 3.25%
WILMINGTON, NC (FHA|USDA|VA) 1 $125,000 $125,000 $2,162 3.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $105,000 $105,000 $1,243 3.75%
Stillwater, OK (FHA|USDA|VA) 1 $105,000 $105,000 $1,620 3.00%
MIDLAND, MI (FHA|USDA|VA) 1 $105,000 $105,000 $1,368 3.13%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,338 3.38%
JOPLIN, MO (FHA|USDA|VA) 1 $105,000 $105,000 $1,899 3.38%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $95,000 $95,000 $1,897 4.75%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,428 4.75%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $95,000 $95,000 $1,660 3.13%
BINGHAMTON, NY (FHA|USDA|VA) 1 $85,000 $85,000 $2,477 2.75%
Coffeyville, KS (FHA|USDA|VA) 1 $65,000 $65,000 $1,413 3.88%
JACKSON, MS (FHA|USDA|VA) 1 $55,000 $55,000 $1,698 4.25%

Rbc Bank (georgia)'s top markets include Miami, Phoenix, Los Angeles, Orlando, and Atlanta among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,304 $591,760,000 $453,804 $3,549 3.12%

For the 2021 period, Rbc Bank (georgia)'s most frequently originated loan type of loans were Conventional, with 1,304 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,095 $497,865,000 $454,671 $3,667 3.09%
Cash Out Refi 188 $87,070,000 $463,138 $2,888 3.34%
Refi 20 $6,490,000 $324,500 $2,713 3.21%
Home Improvement 1 $335,000 $335,000 $2,931 2.63%

For the 2021, Rbc Bank (georgia)'s most frequently cited loan purpose of loans were Home Purchase, with 1,095 originations. The 2nd most popular reason of loans were Cash Out Refi, with 188 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,304 $591,760,000 $453,804 $3,549 3.12%

For the 2021, Rbc Bank (georgia)'s most frequently cited loan length of loans were 30 Year, with 1,304 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,286 $588,770,000 $457,830
$1k-2k 1 $505,000 $505,000

$3,549 of loans were Rbc Bank (georgia)'s average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,286 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 624 $312,700,000 $501,122
3-4% 546 $190,460,000 $348,828
<2.5% 79 $77,875,000 $985,759
4-5% 55 $10,725,000 $195,000

During 2021, Rbc Bank (georgia)'s average interest rate of loans were 3.12%, while their most frequently originated rate bucket of loans were 2.5-3%, with 624 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 509 $145,985,000 $286,807 $2,909 3.12%
$100k-200k 286 $44,250,000 $154,720 $2,263 3.30%
$400k-600k 233 $112,635,000 $483,412 $4,051 3.01%
$600k-1MM 136 $101,030,000 $742,868 $4,836 2.98%
$1MM+ 99 $184,535,000 $1,863,990 $8,027 2.81%
$100,000 or less 41 $3,325,000 $81,098 $1,916 3.79%

2021 saw Rbc Bank (georgia) place emphasis on $200k-400k loans with 509 originations, totaling $145,985,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$150k-250k 374 $144,320,000 $385,882 $3,417 3.11%
$250k+ 366 $308,970,000 $844,180 $4,997 2.97%
$100k-150k 301 $84,895,000 $282,043 $2,926 3.17%
$75k-100k 120 $28,330,000 $236,083 $2,636 3.26%
$50k-75k 99 $18,295,000 $184,798 $2,107 3.37%
$50k or less 25 $3,845,000 $153,800 $1,863 3.38%

Rbc Bank (georgia) lent most frequently to those with incomes in the $150k-250k range, with 374 originations. The second most popular income band? $250k+, with 366 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
30-36% 287 $120,875,000 $421,167 $3,344 3.19%
20-30% 255 $120,155,000 $471,196 $3,485 3.08%
<20% 124 $79,680,000 $642,581 $4,216 3.02%
36% 68 $28,070,000 $412,794 $3,714 3.20%
39% 59 $18,695,000 $316,864 $3,030 3.31%
38% 57 $22,815,000 $400,263 $3,278 3.17%
43% 56 $27,790,000 $496,250 $3,716 3.07%
42% 52 $23,400,000 $450,000 $3,650 3.03%
41% 52 $21,370,000 $410,962 $3,250 3.26%
45% 50 $23,220,000 $464,400 $3,703 3.06%
40% 40 $16,630,000 $415,750 $3,516 3.06%
37% 39 $14,165,000 $363,205 $3,417 3.16%
44% 37 $16,385,000 $442,838 $3,747 3.14%
46% 32 $12,860,000 $401,875 $3,547 3.02%
47% 24 $9,690,000 $403,750 $3,419 3.07%
48% 21 $13,215,000 $629,286 $3,775 3.05%
50-60% 18 $12,370,000 $687,222 $4,103 3.05%
49% 15 $7,445,000 $496,333 $3,968 2.92%
>60% 1 $445,000 $445,000 $4,178 2.75%

Rbc Bank (georgia) lent most frequently to those with DTI ratios of 30-36%, with 287 originations. The next most common DTI ratio? 20-30%, with 255 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
Not provided 791 $382,615,000 $483,710 $3,701 3.11%
White 386 $171,230,000 $443,601 $3,456 3.10%
Asian 58 $21,230,000 $366,034 $3,476 3.21%
Black 49 $12,135,000 $247,653 $1,964 3.38%
Not applicable 17 $2,485,000 $146,176 $0 3.39%
American Indian 1 $1,305,000 $1,305,000 $2,180 3.13%
Asian Indian 1 $645,000 $645,000 $3,168 3.00%
Native Hawaiian 1 $115,000 $115,000 $2,155 4.63%

Approval Rates

Total approvals of all applications
91.10%

Rbc Bank (georgia) has an average approval rate.

Pick Rate

Approvals leading to origination
62.06%

Rbc Bank (georgia) has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 1,304 $591,760,000 $453,804

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,304 $591,760,000 $453,804

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 39 $13,515,000 $346,538 $2,847 3.05%
40-60% 109 $52,435,000 $481,055 $3,353 3.13%
60-80% 703 $292,195,000 $415,640 $3,522 3.21%
80-100% 448 $231,850,000 $517,522 $3,679 3.01%
Under 20% 5 $1,765,000 $353,000 $5,419 2.78%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Rbc Bank, (Georgia) National Association 3550 Lenox Road Ne Atlanta, GA 30326 Full Service B&M $5,138,384

For 2021, Rbc Bank (georgia) had 1 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $82,581
Net interest income $70,937
Total noninterest income $40,707
Gross Fiduciary activities income $0
Service charges on deposit accounts $13,207
Trading account gains and fees $0
Additional Noninterest Income $27,500
Pre-tax net operating income $43,887
Securities gains (or losses, -) $630
Income before extraordinary items $34,814
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $34,814
Minority interest net income $0
Net income $34,814
Sale, conversion, retirement of capital stock, net $0
Net operating income $34,316

Rbc Bank (georgia)'s gross interest income from loans was $82,581,000.
Rbc Bank (georgia)'s net interest income from loans was $70,937,000.
Rbc Bank (georgia)'s fee based income from loans was $13,207,000.
Rbc Bank (georgia)'s net income from loans was $34,814,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $11,644
Provision for credit losses $-1,506
Total noninterest expense $69,263
Salaries and employee benefits $26,445
Premises and equipment expense $1,918
Additional noninterest expense $40,900
Applicable income taxes $9,703
Net charge-offs $3,088
Cash dividends $0

Rbc Bank (georgia)'s interest expense for loans was $11,644,000.
Rbc Bank (georgia)'s payroll and benefits expense were $26,445,000.
Rbc Bank (georgia)'s property, plant and equipment expenses $1,918,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 3.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 1.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.6%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $5,464,707
Deposits held in domestic offices $5,464,707
Deposits by Individuals, partnerships, and corporations $5,448,989
Deposits by U.S. Government $714
Deposits by States and political subdivisions in the U.S. $4
Deposits by Commercial banks and other depository institutions in U.S. $0
Deposits by Banks in foreign countries $15,000
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,647,325
Demand deposits $1,378,839
Nontransaction accounts $3,817,382
Money market deposit accounts (MMDAs) $3,749,580
Other savings deposits (excluding MMDAs) $27,586
Total time deposits $40,216
Total time and savings deposits $4,085,868
Noninterest-bearing deposits $1,378,839
Interest-bearing deposits $4,085,868
Retail deposits $5,440,745
IRAs and Keogh plan accounts $2,129
Brokered deposits $0
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $6,018,212
Cash & Balances due from depository institutions $134,938
Interest-bearing balances $127,073
Total securities $3,826,605
Federal funds sold & reverse repurchase $0
Net loans and leases $1,988,169
Loan and leases loss allowance $10,642
Trading account assets $0
Bank premises and fixed assets $11,534
Other real estate owned $0
Goodwill and other intangibles $0
All other assets $56,966

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $6,018,212
Total Liabilities $5,503,291
Total deposits $5,464,707
Interest-bearing deposits $4,085,868
Deposits held in domestic offices $5,464,707
% insured (estimated) $92
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $38,584

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,988,169
Loan and leases loss allowance $10,642
Total loans and leases (domestic) $1,998,811
All real estate loans $1,823,791
Real estate loans in domestic offices $1,823,791
Construction and development loans $1,699
Residential 1-4 family construction $0
Other construction, all land development and other land $1,699
Loans secured by nonfarm nonresidential properties $0
Nonfarm nonresidential secured by owner-occupied properties $0
Commercial real estate & other non-farm, non-residential $0
Multifamily residential real estate $0
1-4 family residential loans $1,822,092
Farmland loans $0
Loans held in foreign offices $0
Farm loans $0
Commercial and industrial loans $0
To non-U.S. addressees $0
Loans to individuals $175,021
Credit card loans $163,114
Related Plans $11,347
Consumer Auto Loans $0
Other loans to individuals $560
All other loans & leases $0
Loans to foreign governments and official institutions $0
Other loans $0
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $0
Loans secured by real estate to non-U.S. addressees $1,070,815
Restructured Loans & leases $1,380
Non 1-4 family restructured loans & leases $373
Total loans and leases (foreign) $0

RBC Bank (Georgia) had $1,988,169,000 of loans outstanding in 2021. $1,823,791,000 of loans were in real estate loans. $1,699,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $1,822,092,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $163,114,000 of loans were in credit card loans. $0 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan