Rbc Bank (georgia) Mortgage Rates, Fees & Info

Atlanta, GA

LEI: 5493001JT9MT3Z3Y3M39

Tax ID: 63-0904030

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

Jump to:

Mortgage Data

Bank 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: Phoenix, Miami, Riverside, Houston, and Los Angeles among others. We have data for 157 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 about average 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% 12/16/24
30 Year Conventional Purchase 6.08% 12/16/24
30 Year Conventional Refi 6.19% 12/16/24
30 Year Cash-out Refi 6.28% 12/16/24
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

985

Origination Dollar Volume (All Markets)

$364,775,000

Employee count

168 Show all (40) awards

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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 96 $33,250,000 $346,354 $3,229 3.43%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 80 $28,850,000 $360,625 $3,581 3.44%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 47 $20,685,000 $440,106 $3,529 3.53%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 41 $18,115,000 $441,829 $4,390 3.33%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 16 $14,100,000 $881,250 $6,113 3.23%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 46 $11,480,000 $249,565 $3,177 3.41%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 34 $11,270,000 $331,471 $3,658 3.42%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 25 $11,105,000 $444,200 $2,512 3.48%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 18 $10,620,000 $590,000 $3,255 3.49%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 37 $10,245,000 $276,892 $3,109 3.44%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 11 $9,465,000 $860,455 $3,810 3.05%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 10 $8,990,000 $899,000 $5,637 3.46%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 41 $8,885,000 $216,707 $2,683 3.48%
Outside of Metro Areas 23 $8,735,000 $379,783 $2,620 3.41%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 22 $8,720,000 $396,364 $4,057 3.41%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 17 $8,655,000 $509,118 $5,013 3.40%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 14 $8,380,000 $598,571 $4,533 3.60%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 7 $6,155,000 $879,286 $4,072 3.09%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 11 $5,995,000 $545,000 $3,919 3.31%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 7 $5,915,000 $845,000 $2,833 3.07%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 24 $5,850,000 $243,750 $3,024 3.20%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 21 $4,845,000 $230,714 $1,933 3.51%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $4,510,000 $563,750 $3,069 3.33%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 18 $3,860,000 $214,444 $2,347 3.74%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 8 $3,430,000 $428,750 $3,282 3.36%
JACKSONVILLE, FL (FHA|USDA|VA) 11 $3,415,000 $310,455 $2,669 3.48%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 6 $3,360,000 $560,000 $4,674 3.35%
Hilo, HI (FHA|USDA|VA) 5 $3,335,000 $667,000 $4,556 3.68%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $3,185,000 $455,000 $2,724 3.46%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $2,765,000 $251,364 $2,070 3.57%
Kapaa, HI (FHA|USDA|VA) 4 $2,490,000 $622,500 $4,297 3.19%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 7 $2,395,000 $342,143 $2,033 3.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $2,355,000 $471,000 $3,918 3.18%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $2,340,000 $390,000 $2,543 3.04%
SALT LAKE CITY, UT (FHA|USDA|VA) 5 $2,005,000 $401,000 $2,259 3.38%
BELLINGHAM, WA (FHA|USDA|VA) 9 $1,945,000 $216,111 $1,840 3.11%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,715,000 $343,000 $2,478 3.35%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,650,000 $825,000 $6,299 3.38%
Kalispell, MT (FHA|USDA|VA) 5 $1,635,000 $327,000 $2,797 3.38%
OCALA, FL (FHA|USDA|VA) 4 $1,620,000 $405,000 $2,147 3.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $1,605,000 $535,000 $4,450 3.25%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $1,490,000 $745,000 $3,924 3.44%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,465,000 $488,333 $2,756 3.17%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $1,410,000 $352,500 $3,953 3.72%
TUCSON, AZ (FHA|USDA|VA) 4 $1,330,000 $332,500 $3,319 3.34%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $1,310,000 $218,333 $2,542 3.73%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $1,290,000 $322,500 $3,256 3.53%
MIDLAND, TX (FHA|USDA|VA) 4 $1,280,000 $320,000 $3,873 3.47%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $1,260,000 $630,000 $2,749 3.00%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 3 $1,225,000 $408,333 $2,559 3.83%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $1,165,000 $388,333 $3,691 3.29%
PUNTA GORDA, FL (FHA|USDA|VA) 7 $1,145,000 $163,571 $2,341 3.59%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 3 $1,135,000 $378,333 $4,329 3.42%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $1,095,000 $365,000 $2,455 3.58%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,085,000 $361,667 $3,419 3.04%
KANSAS CITY, MO-KS (FHA|USDA|VA) 5 $1,065,000 $213,000 $1,539 3.58%
PORT ST. LUCIE, FL (FHA|USDA|VA) 4 $1,050,000 $262,500 $2,542 3.38%
SAVANNAH, GA (FHA|USDA|VA) 4 $950,000 $237,500 $2,945 3.25%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 4 $940,000 $235,000 $1,707 3.22%
PITTSBURGH, PA (FHA|USDA|VA) 4 $930,000 $232,500 $3,274 3.13%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $900,000 $450,000 $2,673 2.75%
Sevierville, TN (FHA|USDA|VA) 3 $875,000 $291,667 $2,764 4.04%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $825,000 $275,000 $2,153 3.33%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $780,000 $390,000 $2,949 3.06%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 4 $760,000 $190,000 $2,207 3.03%
COLUMBUS, OH (FHA|USDA|VA) 2 $730,000 $365,000 $3,260 3.50%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 2 $710,000 $355,000 $2,501 3.38%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 3 $695,000 $231,667 $2,570 3.63%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $655,000 $655,000 $4,305 3.25%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $650,000 $325,000 $2,665 3.75%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 3 $645,000 $215,000 $2,079 3.46%
RICHMOND, VA (FHA|USDA|VA) 2 $630,000 $315,000 $2,618 3.13%
Olean, NY (FHA|USDA|VA) 4 $600,000 $150,000 $3,084 3.38%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $595,000 $198,333 $2,450 3.63%
DAYTON-KETTERING, OH (FHA|USDA|VA) 2 $570,000 $285,000 $2,758 3.69%
FORT COLLINS, CO (FHA|USDA|VA) 1 $535,000 $535,000 $2,025 3.88%
FRESNO, CA (FHA|USDA|VA) 1 $535,000 $535,000 $2,515 3.25%
Vineyard Haven, MA (FHA|USDA|VA) 1 $535,000 $535,000 $4,081 2.63%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $520,000 $260,000 $1,969 3.56%
Minot, ND (FHA|USDA|VA) 2 $510,000 $255,000 $1,878 3.13%
ANN ARBOR, MI (FHA|USDA|VA) 2 $500,000 $250,000 $2,463 3.56%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 3 $485,000 $161,667 $2,173 3.08%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $470,000 $235,000 $2,628 4.13%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $450,000 $225,000 $3,091 3.81%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $445,000 $445,000 $2,604 2.88%
GREELEY, CO (FHA|USDA|VA) 1 $445,000 $445,000 $2,266 3.38%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $435,000 $435,000 $3,874 4.00%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $430,000 $215,000 $1,988 3.25%
BILLINGS, MT (FHA|USDA|VA) 1 $425,000 $425,000 $3,026 3.75%
LANCASTER, PA (FHA|USDA|VA) 1 $405,000 $405,000 $4,339 4.25%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $395,000 $395,000 $2,616 3.25%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $390,000 $195,000 $2,485 3.69%
KNOXVILLE, TN (FHA|USDA|VA) 1 $385,000 $385,000 $2,687 4.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 2 $380,000 $190,000 $2,055 3.69%
BOULDER, CO (FHA|USDA|VA) 1 $375,000 $375,000 $1,350 3.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $375,000 $375,000 $2,280 3.75%
Winnemucca, NV (FHA|USDA|VA) 1 $365,000 $365,000 $2,415 3.38%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $335,000 $335,000 $3,419 3.25%
FAYETTEVILLE, NC (FHA|USDA|VA) 2 $330,000 $165,000 $1,817 3.13%
THE VILLAGES, FL (FHA|USDA|VA) 2 $330,000 $165,000 $2,350 3.63%
Laconia, NH (FHA|USDA|VA) 1 $315,000 $315,000 $2,266 3.50%
FLINT, MI (FHA|USDA|VA) 2 $310,000 $155,000 $2,037 3.75%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $310,000 $155,000 $1,700 3.38%
Plattsburgh, NY (FHA|USDA|VA) 2 $310,000 $155,000 $2,987 3.75%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,371 3.00%
READING, PA (FHA|USDA|VA) 1 $295,000 $295,000 $4,525 3.75%
BRUNSWICK, GA (FHA|USDA|VA) 1 $275,000 $275,000 $2,584 3.88%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $275,000 $275,000 $1,857 4.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $2,495 3.88%
RENO, NV (FHA|USDA|VA) 1 $275,000 $275,000 $1,938 5.00%
Outside of Metro Areas 1 $275,000 $275,000 $2,320 2.75%
Sandpoint, ID (FHA|USDA|VA) 1 $265,000 $265,000 $2,775 4.13%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $2,995 3.00%
JACKSON, MI (FHA|USDA|VA) 1 $255,000 $255,000 $1,889 3.50%
Granbury, TX (FHA|USDA|VA) 1 $255,000 $255,000 $3,053 3.88%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $255,000 $255,000 $2,909 3.63%
REDDING, CA (FHA|USDA|VA) 1 $245,000 $245,000 $2,161 4.13%
CORVALLIS, OR (FHA|USDA|VA) 1 $245,000 $245,000 $2,831 2.63%
FORT WAYNE, IN (FHA|USDA|VA) 1 $235,000 $235,000 $982 3.38%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $235,000 $235,000 $3,182 2.88%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $225,000 $225,000 $1,943 3.25%
ITHACA, NY (FHA|USDA|VA) 1 $225,000 $225,000 $5,022 3.63%
Warsaw, IN (FHA|USDA|VA) 1 $215,000 $215,000 $861 3.00%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 1 $215,000 $215,000 $2,029 3.00%
ROCHESTER, MN (FHA|USDA|VA) 1 $215,000 $215,000 $2,205 3.63%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $205,000 $205,000 $1,350 3.50%
AKRON, OH (FHA|USDA|VA) 1 $205,000 $205,000 $3,436 4.25%
Danville, KY (FHA|USDA|VA) 1 $205,000 $205,000 $1,741 3.38%
CHEYENNE, WY (FHA|USDA|VA) 1 $205,000 $205,000 $2,199 3.38%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $200,000 $100,000 $2,532 4.44%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $195,000 $195,000 $1,920 2.88%
DULUTH, MN-WI (FHA|USDA|VA) 1 $185,000 $185,000 $2,015 3.25%
Jefferson, GA (FHA|USDA|VA) 1 $175,000 $175,000 $1,630 2.88%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $175,000 $175,000 $1,727 4.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $165,000 $165,000 $3,041 3.25%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $155,000 $155,000 $1,759 2.75%
VALLEJO, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,920 3.13%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $155,000 $155,000 $1,923 3.25%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,571 3.25%
PANAMA CITY, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,843 3.75%
ALBANY, GA (FHA|USDA|VA) 1 $135,000 $135,000 $1,857 3.13%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $115,000 $115,000 $2,413 2.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $105,000 $105,000 $1,735 2.63%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,616 3.38%
Deming, NM (FHA|USDA|VA) 1 $105,000 $105,000 $1,300 3.25%
DANVILLE, IL (FHA|USDA|VA) 1 $105,000 $105,000 $1,337 3.13%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $105,000 $105,000 $3,493 2.88%
ROCKFORD, IL (FHA|USDA|VA) 1 $95,000 $95,000 $2,042 3.63%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $95,000 $95,000 $1,733 3.50%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,106 4.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $95,000 $95,000 $1,254 3.38%
Athens, TX (FHA|USDA|VA) 1 $95,000 $95,000 $2,797 3.63%
Cullowhee, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,282 3.88%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $85,000 $85,000 $1,534 5.13%
Seneca Falls, NY (FHA|USDA|VA) 1 $65,000 $65,000 $3,435 4.63%
MOBILE, AL (FHA|USDA|VA) 1 $65,000 $65,000 $1,474 3.50%
ROCHESTER, NY (FHA|USDA|VA) 1 $45,000 $45,000 $2,497 4.00%
Rbc Bank (georgia)'s top markets include Phoenix, Miami, Riverside, Houston, and Los Angeles among others.

Their top states include:
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Hawaii (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against RBC Bank (Georgia) based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    NIAGARA'S CHOICE
    Similarity Rank: 12
    N C P D Federal Credit Union
    Similarity Rank: 56
    US COMMUNITY
    Similarity Rank: 64
    ONTARIO SHORES
    Similarity Rank: 90
    Schuyler Savings Bank
    Similarity Rank: 104
    Piscataqua Savings Bank
    Similarity Rank: 118
    First Ipswich Bank
    Similarity Rank: 139
    Bank of Akron
    Similarity Rank: 144

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 985 $364,775,000 $370,330 $3,217 3.42%

    For 2019, Rbc Bank (georgia)'s most frequently originated type of loan was Conventional, with 985 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 870 $321,890,000 $369,989 $3,300 3.42%
    Cash Out Refi 84 $32,010,000 $381,071 $2,681 3.46%
    Refi 31 $10,875,000 $350,806 $2,329 3.39%

    For 2019, Rbc Bank (georgia)'s most frequently cited loan purpose was Home Purchase, with 870 originations. The 2nd most popular reason was Cash Out Refi, with 84 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 985 $364,775,000 $370,330 $3,217 3.42%

    For 2019, Rbc Bank (georgia)'s most frequently cited loan duration was 30 Year, with 985 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 977 $362,025,000 $370,548
    $1k-2k 2 $490,000 $245,000
    $3k-4k 2 $740,000 $370,000
    $5k+ 2 $990,000 $495,000
    $2k-3k 1 $265,000 $265,000
    $4k-5k 1 $265,000 $265,000

    Rbc Bank (georgia)'s average total fees were $3,217, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 977 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 592 $227,620,000 $384,493
    2.5-3% 271 $107,065,000 $395,074
    4-5% 105 $22,575,000 $215,000
    <2.5% 15 $7,315,000 $487,667
    5-6% 2 $200,000 $100,000

    During 2019, Rbc Bank (georgia)'s average interest rate for loans was 3.42%, while their most frequently originated rate bucket for loans was 3-4%, with 592 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 386 $108,710,000 $281,632 $2,921 3.39%
    $100k-200k 257 $37,855,000 $147,296 $2,257 3.56%
    $400k-600k 147 $71,365,000 $485,476 $3,839 3.28%
    $600k-1MM 82 $60,410,000 $736,707 $4,703 3.24%
    $1MM+ 57 $81,895,000 $1,436,754 $7,031 3.29%
    $100,000 or less 56 $4,540,000 $81,071 $1,966 3.80%

    2019 saw Rbc Bank (georgia) place emphasis on $200k-400k loans with 386 originations, totaling $108,710,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 270 $94,000,000 $348,148 $3,121 3.38%
    $100k-150k 266 $65,740,000 $247,143 $2,743 3.46%
    $250k+ 238 $166,990,000 $701,639 $4,669 3.35%
    $75k-100k 104 $21,590,000 $207,596 $2,472 3.49%
    $50k-75k 84 $13,620,000 $162,143 $2,165 3.51%
    $50k or less 23 $2,835,000 $123,261 $2,000 3.64%

    Rbc Bank (georgia) lent most frequently to those with incomes in the $150k-250k range, with 270 originations. The second most popular income band? $100k-150k, with 266 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 235 $82,895,000 $352,745 $3,163 3.43%
    30-36% 180 $66,010,000 $366,722 $3,138 3.37%
    <20% 122 $59,050,000 $484,016 $3,516 3.45%
    41% 50 $21,910,000 $438,200 $3,247 3.37%
    42% 46 $15,140,000 $329,130 $2,958 3.46%
    39% 45 $14,555,000 $323,444 $3,015 3.60%
    37% 45 $14,705,000 $326,778 $2,971 3.43%
    43% 44 $14,050,000 $319,318 $3,394 3.38%
    38% 41 $10,595,000 $258,415 $2,926 3.57%
    44% 40 $13,530,000 $338,250 $3,211 3.33%
    40% 36 $12,760,000 $354,444 $3,217 3.34%
    45% 26 $9,790,000 $376,538 $3,471 3.34%
    36% 23 $7,085,000 $308,043 $3,149 3.38%
    47% 18 $8,410,000 $467,222 $3,392 3.35%
    46% 13 $5,965,000 $458,846 $3,786 3.36%
    50-60% 9 $3,765,000 $418,333 $3,845 3.63%
    49% 8 $3,790,000 $473,750 $4,283 3.77%
    48% 3 $515,000 $171,667 $1,793 3.29%
    >60% 1 $255,000 $255,000 $2,944 3.25%

    Rbc Bank (georgia) lent most frequently to those with DTI ratios of 20-30%, with 235 originations. The next most common DTI ratio? 30-36%, with 180 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 506 $200,070,000 $395,395 $3,286 3.43%
    White 401 $142,025,000 $354,177 $3,190 3.41%
    Asian 60 $17,830,000 $297,167 $3,089 3.42%
    Black 16 $3,070,000 $191,875 $2,214 3.58%
    Native Hawaiian or Islander 1 $1,265,000 $1,265,000 $1,415 3.38%
    Chinese 1 $515,000 $515,000 $4,645 3.88%

    Approval Rates

    Total approvals of all applications
    89.39%

    Rbc Bank (georgia) has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.60%

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

    Points and Fees

    Points Originations Total Value Average Loan
    NA 985 $364,775,000 $370,330

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 985 $364,775,000 $370,330

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $9,155,000 $277,424 $3,214 3.37%
    40-60% 87 $27,765,000 $319,138 $2,913 3.51%
    60-80% 542 $196,220,000 $362,030 $3,191 3.47%
    80-100% 320 $130,580,000 $408,063 $3,353 3.33%
    Under 20% 2 $340,000 $170,000 $2,250 3.63%

    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 $4,232,835

    For 2019, Rbc Bank (georgia) had 1 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $138,857
    Net interest income $126,635
    Total noninterest income $37,266
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $10,870
    Trading account gains and fees $0
    Additional Noninterest Income $26,396
    Pre-tax net operating income $97,189
    Securities gains (or losses, -) $0
    Income before extraordinary items $74,612
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $74,612
    Minority interest net income $0
    Net income $74,612
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $74,612

    Rbc Bank (georgia)'s gross interest income from loans was $138,857,000.
    Rbc Bank (georgia)'s net interest income from loans was $126,635,000.
    Rbc Bank (georgia)'s fee based income from loans was $10,870,000.
    Rbc Bank (georgia)'s net income from loans was $74,612,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,222
    Provision for credit losses $4,231
    Total noninterest expense $62,481
    Salaries and employee benefits $22,430
    Premises and equipment expense $1,909
    Additional noninterest expense $38,142
    Applicable income taxes $22,577
    Net charge-offs $2,833
    Cash dividends $0

    Rbc Bank (georgia)'s interest expense for loans was $12,222,000.
    Rbc Bank (georgia)'s payroll and benefits expense were $22,430,000.
    Rbc Bank (georgia)'s property, plant and equipment expenses $1,909,000.

    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 8.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.7%
    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 $4,032,074
    Deposits held in domestic offices $4,032,074
    Deposits by Individuals, partnerships, and corporations $3,996,955
    Deposits by U.S. Government $4
    Deposits by States and political subdivisions in the U.S. $114
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $35,000
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $972,287
    Demand deposits $816,445
    Nontransaction accounts $3,059,786
    Money market deposit accounts (MMDAs) $2,961,631
    Other savings deposits (excluding MMDAs) $18,522
    Total time deposits $79,634
    Total time and savings deposits $3,215,628
    Noninterest-bearing deposits $816,445
    Interest-bearing deposits $3,215,629
    Retail deposits $3,979,907
    IRAs and Keogh plan accounts $2,486
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,528,719
    Cash & Balances due from depository institutions $182,524
    Interest-bearing balances $175,014
    Total securities $2,771,646
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,508,481
    Loan and leases loss allowance $8,015
    Trading account assets $0
    Bank premises and fixed assets $11,876
    Other real estate owned $489
    Goodwill and other intangibles $0
    All other assets $53,703

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,528,719
    Total Liabilities $4,083,474
    Total deposits $4,032,074
    Interest-bearing deposits $3,215,629
    Deposits held in domestic offices $4,032,074
    % insured (estimated) $94
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $51,400

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,508,481
    Loan and leases loss allowance $8,015
    Total loans and leases (domestic) $1,516,496
    All real estate loans $1,330,912
    Real estate loans in domestic offices $1,330,912
    Construction and development loans $699
    Residential 1-4 family construction $0
    Other construction, all land development and other land $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 $1,330,213
    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 $185,584
    Credit card loans $170,698
    Related Plans $14,267
    Consumer Auto Loans $0
    Other loans to individuals $619
    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 $741,593
    Restructured Loans & leases $1,133
    Non 1-4 family restructured loans & leases $348
    Total loans and leases (foreign) $0

    RBC Bank (Georgia) had $1,508,481,000 of loans outstanding in 2019. $1,330,912,000 of loans were in real estate loans. $699,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $1,330,213,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $170,698,000 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