Rbc Bank (georgia) Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 5493001JT9MT3Z3Y3M39

Tax ID: 63-0904030

5 stars - Updated: 5/14/24 - out of 5 stars, based on 35 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & 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 by origination volume include: Miami, Phoenix, North Port, New York, and Naples among others. We have data for 194 markets. (Some data included below & more in-depth data is available with an active subscription.)

Rbc Bank (georgia) has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Rbc Bank (georgia) is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 5.21% 5/14/24
30 Year Conventional Purchase 6.08% 5/14/24
30 Year Conventional Refi 6.19% 5/14/24
30 Year Cash-out Refi 6.28% 5/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Rbc Bank (georgia) Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Rbc Bank (georgia). It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,222

Origination Dollar Volume (All Markets)

$554,560,000
Show all (41) awards

Relative Rate

Rbc Bank (georgia)'s average 30 year fixed mortgage rate was 6.2%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.28%.

Relative Fees (Closing Costs)

Rbc Bank (georgia)'s average total fees/closing costs for a 30 year fixed rate mortgage were $4,082.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $9,089.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 108 $57,760,000 $534,815 $5,236 6.30%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 84 $29,660,000 $353,095 $3,896 6.40%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 58 $23,670,000 $408,103 $4,503 6.35%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 19 $22,905,000 $1,205,526 $6,979 5.86%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 37 $21,805,000 $589,324 $5,377 6.23%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 38 $21,500,000 $565,789 $4,466 6.30%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 43 $20,525,000 $477,326 $4,817 6.15%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 21 $19,395,000 $923,571 $7,963 6.13%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 50 $19,330,000 $386,600 $4,079 6.30%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 33 $19,135,000 $579,848 $5,610 5.97%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 52 $16,740,000 $321,923 $3,878 6.36%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 62 $16,700,000 $269,355 $2,164 5.70%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 42 $14,100,000 $335,714 $3,687 6.15%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 38 $13,470,000 $354,474 $4,668 5.98%
RALEIGH-CARY, NC (FHA|USDA|VA) 15 $11,735,000 $782,333 $3,069 5.94%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 23 $10,725,000 $466,304 $2,939 6.65%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 22 $10,460,000 $475,455 $3,060 6.15%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 8 $9,740,000 $1,217,500 $7,886 6.39%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 16 $9,230,000 $576,875 $8,401 6.13%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 9 $9,205,000 $1,022,778 $4,608 5.85%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 11 $7,855,000 $714,091 $2,860 5.97%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 16 $7,220,000 $451,250 $4,776 5.60%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 18 $6,750,000 $375,000 $3,905 6.11%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 9 $5,845,000 $649,444 $2,048 6.31%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 14 $5,840,000 $417,143 $2,710 6.05%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 5 $5,815,000 $1,163,000 $5,068 5.83%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $5,170,000 $861,667 $3,379 6.10%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 2 $5,100,000 $2,550,000 $12,171 5.94%
PUNTA GORDA, FL (FHA|USDA|VA) 15 $4,175,000 $278,333 $3,185 6.28%
BELLINGHAM, WA (FHA|USDA|VA) 14 $3,870,000 $276,429 $2,001 6.49%
Outside of Metro Areas 13 $3,525,000 $271,154 $2,703 6.42%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 8 $3,460,000 $432,500 $2,904 6.19%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $3,320,000 $830,000 $3,097 6.03%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $2,975,000 $425,000 $3,909 6.43%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 6 $2,920,000 $486,667 $3,499 7.06%
Hilo, HI (FHA|USDA|VA) 5 $2,795,000 $559,000 $5,321 7.15%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 5 $2,705,000 $541,000 $4,574 7.10%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $2,665,000 $888,333 $3,954 5.67%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $2,655,000 $531,000 $3,800 6.25%
JACKSONVILLE, FL (FHA|USDA|VA) 8 $2,470,000 $308,750 $3,622 6.66%
PITTSBURGH, PA (FHA|USDA|VA) 3 $2,435,000 $811,667 $6,436 5.96%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $2,175,000 $725,000 $5,355 6.58%
Kapaa, HI (FHA|USDA|VA) 1 $2,155,000 $2,155,000 $8,015 5.25%
OCALA, FL (FHA|USDA|VA) 8 $2,060,000 $257,500 $3,312 6.28%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $2,045,000 $681,667 $4,718 5.54%
Kalispell, MT (FHA|USDA|VA) 3 $1,975,000 $658,333 $3,486 5.67%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $1,875,000 $1,875,000 $6,846 5.88%
Oak Harbor, WA (FHA|USDA|VA) 3 $1,865,000 $621,667 $2,799 6.25%
PORT ST. LUCIE, FL (FHA|USDA|VA) 8 $1,770,000 $221,250 $2,984 6.47%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,760,000 $440,000 $3,080 6.41%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $1,670,000 $278,333 $3,313 5.60%
TUCSON, AZ (FHA|USDA|VA) 4 $1,510,000 $377,500 $3,879 6.41%
PROVO-OREM, UT (FHA|USDA|VA) 3 $1,495,000 $498,333 $2,736 6.50%
COLUMBUS, OH (FHA|USDA|VA) 5 $1,485,000 $297,000 $2,584 6.78%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $1,435,000 $478,333 $4,083 6.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,315,000 $438,333 $4,831 5.71%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 5 $1,295,000 $259,000 $2,231 5.95%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $1,285,000 $257,000 $2,556 6.25%
RENO, NV (FHA|USDA|VA) 2 $1,260,000 $630,000 $3,649 6.94%
THE VILLAGES, FL (FHA|USDA|VA) 5 $1,255,000 $251,000 $2,447 6.18%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $1,205,000 $401,667 $36,349 6.04%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $1,160,000 $580,000 $2,381 5.38%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 6 $1,110,000 $185,000 $2,263 5.98%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $1,105,000 $368,333 $4,716 6.75%
AKRON, OH (FHA|USDA|VA) 3 $1,105,000 $368,333 $3,167 6.21%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $1,035,000 $1,035,000 $5,370 6.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $990,000 $247,500 $1,463 6.38%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $980,000 $490,000 $4,122 5.56%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 2 $970,000 $485,000 $1,879 6.06%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $965,000 $321,667 $3,337 5.67%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $955,000 $955,000 $4,815 6.25%
URBAN HONOLULU, HI (FHA|USDA|VA) 3 $945,000 $315,000 $3,525 6.54%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $935,000 $311,667 $3,786 5.83%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $930,000 $465,000 $1,560 5.50%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $905,000 $905,000 $4,060 5.75%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $885,000 $885,000 $3,226 5.25%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $880,000 $440,000 $3,301 6.06%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $865,000 $288,333 $2,187 6.42%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 2 $820,000 $410,000 $2,996 5.94%
FORT COLLINS, CO (FHA|USDA|VA) 1 $805,000 $805,000 $2,194 5.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $800,000 $200,000 $1,373 6.38%
TULSA, OK (FHA|USDA|VA) 2 $770,000 $385,000 $4,055 6.00%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $770,000 $385,000 $7,319 6.56%
REDDING, CA (FHA|USDA|VA) 1 $765,000 $765,000 $2,807 6.00%
Elko, NV (FHA|USDA|VA) 2 $740,000 $370,000 $2,744 6.13%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $740,000 $370,000 $2,188 6.00%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 4 $740,000 $185,000 $1,561 6.56%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $720,000 $360,000 $3,204 6.00%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 3 $715,000 $238,333 $2,961 6.29%
Brevard, NC (FHA|USDA|VA) 1 $705,000 $705,000 $4,494 5.25%
Olean, NY (FHA|USDA|VA) 3 $645,000 $215,000 $2,410 6.08%
TOLEDO, OH (FHA|USDA|VA) 3 $595,000 $198,333 $2,834 6.21%
STOCKTON, CA (FHA|USDA|VA) 1 $555,000 $555,000 $1,420 6.13%
KNOXVILLE, TN (FHA|USDA|VA) 2 $520,000 $260,000 $2,077 6.06%
DeRidder, LA (FHA|USDA|VA) 2 $520,000 $260,000 $2,700 6.13%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 2 $520,000 $260,000 $3,633 6.13%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $500,000 $250,000 $2,225 5.88%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $495,000 $495,000 $3,032 5.00%
Moscow, ID (FHA|USDA|VA) 1 $455,000 $455,000 $1,985 6.13%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $450,000 $225,000 $1,947 6.13%
BATON ROUGE, LA (FHA|USDA|VA) 1 $435,000 $435,000 $3,533 5.63%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $435,000 $435,000 $2,845 5.75%
BILLINGS, MT (FHA|USDA|VA) 1 $425,000 $425,000 $3,592 5.63%
Rock Springs, WY (FHA|USDA|VA) 1 $425,000 $425,000 $2,307 6.63%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $415,000 $415,000 $1,779 6.25%
Jefferson, GA (FHA|USDA|VA) 1 $415,000 $415,000 $3,861 5.63%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $405,000 $405,000 $1,538 5.50%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $405,000 $405,000 $2,266 5.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $405,000 $405,000 $4,243 5.25%
Lebanon, NH-VT (FHA|USDA|VA) 1 $385,000 $385,000 $2,774 6.13%
ANN ARBOR, MI (FHA|USDA|VA) 2 $380,000 $190,000 $2,490 5.75%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $370,000 $185,000 $2,761 5.44%
Stephenville, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,474 6.00%
WILMINGTON, NC (FHA|USDA|VA) 1 $365,000 $365,000 $2,550 5.25%
WACO, TX (FHA|USDA|VA) 1 $365,000 $365,000 $4,219 5.63%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $365,000 $365,000 $2,697 6.00%
ST. GEORGE, UT (FHA|USDA|VA) 1 $365,000 $365,000 $2,754 5.75%
Carlsbad-Artesia, NM (FHA|USDA|VA) 2 $360,000 $180,000 $2,010 5.94%
Fernley, NV (FHA|USDA|VA) 1 $355,000 $355,000 $2,029 5.88%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $355,000 $355,000 $3,163 6.25%
Richmond-Berea, KY (FHA|USDA|VA) 1 $355,000 $355,000 $2,213 6.00%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 1 $345,000 $345,000 $2,525 6.50%
BOULDER, CO (FHA|USDA|VA) 1 $345,000 $345,000 $1,402 5.88%
GREENVILLE, NC (FHA|USDA|VA) 2 $340,000 $170,000 $2,115 5.94%
GAINESVILLE, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,815 5.88%
Helena, MT (FHA|USDA|VA) 1 $325,000 $325,000 $2,251 6.75%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $325,000 $325,000 $2,303 6.63%
PANAMA CITY, FL (FHA|USDA|VA) 1 $325,000 $325,000 $2,394 5.88%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $315,000 $315,000 $3,179 6.13%
Lewisburg, PA (FHA|USDA|VA) 1 $305,000 $305,000 $3,826 5.38%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $305,000 $305,000 $0 7.50%
SAVANNAH, GA (FHA|USDA|VA) 1 $295,000 $295,000 $0 6.88%
North Wilkesboro, NC (FHA|USDA|VA) 1 $295,000 $295,000 $2,315 5.88%
Morehead City, NC (FHA|USDA|VA) 1 $295,000 $295,000 $0 6.88%
WALLA WALLA, WA (FHA|USDA|VA) 1 $295,000 $295,000 $1,942 5.75%
Warsaw, IN (FHA|USDA|VA) 1 $295,000 $295,000 $951 5.38%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $285,000 $285,000 $2,353 5.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $285,000 $285,000 $2,304 5.88%
Quincy, IL-MO (FHA|USDA|VA) 1 $275,000 $275,000 $1,677 6.38%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $275,000 $275,000 $1,968 5.63%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $275,000 $275,000 $1,766 6.38%
COLUMBIA, SC (FHA|USDA|VA) 2 $270,000 $135,000 $1,553 6.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $265,000 $265,000 $2,192 6.50%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $255,000 $255,000 $0 7.00%
Paris, TX (FHA|USDA|VA) 1 $245,000 $245,000 $2,560 6.50%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $245,000 $245,000 $2,415 5.75%
ROCHESTER, NY (FHA|USDA|VA) 2 $240,000 $120,000 $2,353 6.81%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $235,000 $235,000 $2,178 6.38%
Minot, ND (FHA|USDA|VA) 1 $225,000 $225,000 $1,692 5.88%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,885 5.75%
Plattsburgh, NY (FHA|USDA|VA) 1 $225,000 $225,000 $3,077 5.38%
GADSDEN, AL (FHA|USDA|VA) 1 $225,000 $225,000 $2,160 5.75%
MANHATTAN, KS (FHA|USDA|VA) 1 $215,000 $215,000 $1,108 5.38%
RICHMOND, VA (FHA|USDA|VA) 1 $215,000 $215,000 $2,061 6.25%
LANCASTER, PA (FHA|USDA|VA) 1 $215,000 $215,000 $2,867 5.38%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $215,000 $215,000 $1,598 5.88%
Key West, FL (FHA|USDA|VA) 1 $205,000 $205,000 $0 8.00%
SALINAS, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 7.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $195,000 $195,000 $1,833 6.75%
DULUTH, MN-WI (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.25%
TEXARKANA, TX-AR (FHA|USDA|VA) 1 $195,000 $195,000 $0 6.88%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $195,000 $195,000 $1,670 5.88%
MIDLAND, TX (FHA|USDA|VA) 1 $185,000 $185,000 $2,923 6.75%
CASPER, WY (FHA|USDA|VA) 1 $185,000 $185,000 $1,821 6.38%
GOLDSBORO, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,397 6.13%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $185,000 $185,000 $0 7.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.63%
MOBILE, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,163 5.75%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $175,000 $175,000 $2,014 6.13%
Dumas, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,727 5.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.44%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.00%
Meadville, PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,088 5.25%
SYRACUSE, NY (FHA|USDA|VA) 1 $145,000 $145,000 $2,561 6.13%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $145,000 $145,000 $2,848 5.63%
ROCKFORD, IL (FHA|USDA|VA) 1 $145,000 $145,000 $1,921 5.75%
Ogdensburg-Massena, NY (FHA|USDA|VA) 2 $140,000 $70,000 $2,369 6.06%
Shelby, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 7.00%
WICHITA, KS (FHA|USDA|VA) 1 $135,000 $135,000 $2,393 7.75%
LaGrange, GA-AL (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.00%
Pottsville, PA (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.88%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $115,000 $115,000 $1,420 6.00%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $115,000 $115,000 $1,842 6.25%
Alma, MI (FHA|USDA|VA) 1 $115,000 $115,000 $1,728 5.63%
LIMA, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,203 6.50%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.38%
Stillwater, OK (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.13%
LAS CRUCES, NM (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.13%
ERIE, PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.38%
BATTLE CREEK, MI (FHA|USDA|VA) 1 $95,000 $95,000 $1,222 6.13%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $95,000 $95,000 $0 7.63%
London, KY (FHA|USDA|VA) 1 $75,000 $75,000 $972 6.50%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.13%
GAINESVILLE, GA (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.63%
Rbc Bank (georgia)'s top markets include Miami, Phoenix, North Port, New York, and Naples among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 995 $491,855,000 $494,327 $4,082 5.87%
    HELOC 227 $62,705,000 $276,233 n/a 7.66%

    For 2023, Rbc Bank (georgia)'s most frequently originated type of loan was Conventional, with 995 originations. Their 2nd most popular type was HELOC, with 227 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 904 $453,620,000 $501,792 $4,190 5.94%
    Cash Out Refi 173 $59,265,000 $342,572 $3,207 6.73%
    Home Improvement 113 $30,635,000 $271,106 $2,878 7.56%
    Refi 32 $11,040,000 $345,000 $2,453 5.96%

    For 2023, Rbc Bank (georgia)'s most frequently cited loan purpose was Home Purchase, with 904 originations. The 2nd most popular reason was Cash Out Refi, with 173 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,222 $554,560,000 $453,813 $4,082 6.20%

    For 2023, Rbc Bank (georgia)'s most frequently cited loan duration was 30 Year, with 1,222 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 851 $450,385,000 $529,242
    $5k+ 12 $8,460,000 $705,000
    $4k-5k 2 $890,000 $445,000

    Rbc Bank (georgia)'s average total fees were $4,082, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 851 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 609 $346,685,000 $569,269
    6-7% 356 $133,920,000 $376,180
    7-8% 185 $55,525,000 $300,135
    4-5% 39 $14,685,000 $376,538
    Over 8% 31 $2,835,000 $91,452
    3-4% 2 $910,000 $455,000

    During 2023, Rbc Bank (georgia)'s average interest rate for loans was 6.20%, while their most frequently originated rate bucket for loans was 5-6%, with 609 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 452 $130,100,000 $287,832 $3,041 6.17%
    $400k-600k 242 $116,810,000 $482,686 $4,171 5.93%
    $100k-200k 232 $35,240,000 $151,897 $2,226 6.58%
    $600k-1MM 136 $102,110,000 $750,809 $5,375 5.89%
    $1MM+ 95 $165,705,000 $1,744,263 $8,599 5.81%
    $100,000 or less 65 $4,595,000 $70,692 $1,900 7.39%

    2023 saw Rbc Bank (georgia) place emphasis on $200k-400k loans with 452 originations, totaling $130,100,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 428 $324,540,000 $758,271 $5,531 6.12%
    $150k-250k 347 $129,175,000 $372,262 $3,823 6.14%
    $100k-150k 247 $65,565,000 $265,445 $2,840 6.34%
    $75k-100k 97 $18,395,000 $189,639 $2,222 6.49%
    $50k-75k 59 $8,865,000 $150,254 $2,205 6.51%
    $50k or less 9 $835,000 $92,778 $1,886 6.83%

    Rbc Bank (georgia) lent most frequently to those with incomes in the $250k+ range, with 428 originations. The second most popular income band? $150k-250k, with 347 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 221 $97,215,000 $439,887 $4,232 6.18%
    20-30% 179 $78,595,000 $439,078 $4,314 6.18%
    <20% 121 $94,575,000 $781,612 $4,921 6.11%
    45% 82 $26,840,000 $327,317 $3,463 6.58%
    39% 71 $32,685,000 $460,352 $3,612 6.19%
    38% 63 $24,845,000 $394,365 $3,891 6.22%
    44% 62 $20,640,000 $332,903 $3,299 6.19%
    37% 57 $21,865,000 $383,596 $3,833 6.28%
    36% 50 $23,340,000 $466,800 $3,923 6.42%
    41% 49 $26,955,000 $550,102 $4,147 6.09%
    43% 49 $18,755,000 $382,755 $3,757 6.36%
    40% 43 $18,795,000 $437,093 $3,578 6.17%
    42% 36 $16,230,000 $450,833 $4,007 6.19%
    48% 34 $10,320,000 $303,529 $2,962 6.36%
    46% 29 $12,265,000 $422,931 $3,982 6.35%
    47% 22 $10,540,000 $479,091 $5,948 6.23%
    50-60% 14 $7,650,000 $546,429 $4,231 5.98%
    49% 9 $5,185,000 $576,111 $4,762 6.51%
    >60% 2 $1,300,000 $650,000 $4,539 5.94%

    Rbc Bank (georgia) lent most frequently to those with DTI ratios of 30-36%, with 221 originations. The next most common DTI ratio? 20-30%, with 179 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 631 $286,265,000 $453,669 $3,912 6.22%
    Not provided 408 $197,940,000 $485,147 $4,294 6.26%
    Asian 109 $53,225,000 $488,303 $4,869 6.13%
    Black 43 $10,725,000 $249,419 $2,736 6.33%
    Not applicable 29 $5,965,000 $205,690 $0 5.09%
    American Indian 2 $440,000 $220,000 $2,921 5.75%

    Approval Rates

    Total approvals of all applications
    83.58%

    Rbc Bank (georgia) has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    63.01%

    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 1,222 $554,560,000 $453,813

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,222 $554,560,000 $453,813

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 129 $36,735,000 $284,767 $3,077 6.80%
    40-60% 161 $68,565,000 $425,870 $3,792 6.32%
    60-80% 580 $280,870,000 $484,259 $4,303 6.04%
    80-100% 273 $158,565,000 $580,824 $4,101 5.77%
    Under 20% 79 $9,825,000 $124,367 $1,954 7.73%