Rbc Bank (georgia) Mortgage Rates, Fees & Info
Atlanta, GALEI: 5493001JT9MT3Z3Y3M39
Tax ID: 63-0904030
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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, Los Angeles, Kahului, and Riverside among others. We have data for 156 markets. (Some data included below & more in-depth data is available with an active subscription.)Rbc Bank (georgia) has an above 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.
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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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,002Origination Dollar Volume (All Markets)
$396,480,000Employee count
186Awards
RBC Bank (Georgia) - 2020
RBC Bank (Georgia) is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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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) | 93 | $35,735,000 | $384,247 | $3,615 | 3.09% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 86 | $31,200,000 | $362,791 | $2,908 | 3.12% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 23 | $21,595,000 | $938,913 | $4,620 | 2.84% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 19 | $17,475,000 | $919,737 | $4,223 | 3.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 31 | $16,645,000 | $536,935 | $3,588 | 2.99% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 61 | $16,135,000 | $264,508 | $3,018 | 3.18% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 48 | $15,700,000 | $327,083 | $3,481 | 2.99% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 30 | $14,060,000 | $468,667 | $3,802 | 2.84% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 41 | $13,335,000 | $325,244 | $2,971 | 2.95% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 20 | $12,780,000 | $639,000 | $3,568 | 3.17% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 23 | $12,335,000 | $536,304 | $4,755 | 2.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 23 | $10,875,000 | $472,826 | $2,195 | 3.14% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 12 | $10,580,000 | $881,667 | $3,217 | 2.76% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 16 | $10,290,000 | $643,125 | $4,187 | 2.98% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 13 | $10,005,000 | $769,615 | $4,479 | 2.95% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 42 | $9,270,000 | $220,714 | $2,280 | 3.38% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 14 | $7,550,000 | $539,286 | $3,750 | 3.17% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $6,695,000 | $956,429 | $2,957 | 2.98% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 17 | $6,395,000 | $376,176 | $2,664 | 3.17% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 17 | $5,825,000 | $342,647 | $3,734 | 3.14% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 11 | $5,745,000 | $522,273 | $3,048 | 2.84% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 26 | $5,580,000 | $214,615 | $2,711 | 2.92% |
| Outside of Metro Areas | 17 | $5,425,000 | $319,118 | $2,502 | 2.93% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 10 | $4,980,000 | $498,000 | $2,231 | 2.93% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $4,340,000 | $434,000 | $4,449 | 3.01% |
| Hilo, HI (FHA|USDA|VA) | 5 | $4,165,000 | $833,000 | $5,666 | 3.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 18 | $4,110,000 | $228,333 | $2,951 | 3.19% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 9 | $2,575,000 | $286,111 | $3,052 | 2.85% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $2,425,000 | $220,455 | $2,766 | 2.98% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $2,325,000 | $465,000 | $1,410 | 2.78% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 2 | $1,930,000 | $965,000 | $3,735 | 2.63% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,925,000 | $275,000 | $2,896 | 3.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 7 | $1,905,000 | $272,143 | $2,896 | 2.80% |
| BELLINGHAM, WA (FHA|USDA|VA) | 7 | $1,855,000 | $265,000 | $1,658 | 3.05% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $1,820,000 | $910,000 | $2,886 | 3.06% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,805,000 | $361,000 | $1,918 | 2.85% |
| COLUMBUS, OH (FHA|USDA|VA) | 5 | $1,795,000 | $359,000 | $2,592 | 3.13% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $2,165 | 3.08% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $1,670,000 | $417,500 | $2,879 | 3.06% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $1,585,000 | $317,000 | $2,355 | 3.25% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $3,019 | 3.19% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $1,395,000 | $279,000 | $1,580 | 3.38% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $2,490 | 3.08% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $2,558 | 3.33% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $2,938 | 2.90% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $1,245,000 | $177,857 | $2,017 | 2.89% |
| Olean, NY (FHA|USDA|VA) | 4 | $1,190,000 | $297,500 | $3,445 | 2.66% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $1,125,000 | $1,125,000 | $5,551 | 3.13% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $6,024 | 2.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $2,782 | 2.67% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $2,337 | 3.06% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $2,760 | 3.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $2,738 | 2.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $2,891 | 2.81% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $3,455 | 2.97% |
| Key West, FL (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $8,332 | 3.25% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $4,143 | 2.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $955,000 | $191,000 | $2,601 | 2.98% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $1,928 | 3.03% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,406 | 2.94% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $2,688 | 3.38% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $2,534 | 3.00% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $2,317 | 3.06% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $6,571 | 2.75% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $1,204 | 3.34% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $3,493 | 2.75% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $3,675 | 2.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $3,122 | 3.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $1,699 | 3.46% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $2,035 | 2.94% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,394 | 2.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $2,072 | 2.56% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $2,849 | 2.75% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $2,778 | 3.63% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,993 | 2.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,572 | 3.13% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,063 | 2.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $1,787 | 3.13% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,143 | 3.00% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,015 | 3.06% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $1,562 | 2.50% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $1,865 | 2.75% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,259 | 3.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $1,831 | 2.96% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,140 | 2.75% |
| MADISON, WI (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,508 | 2.88% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,199 | 3.13% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,534 | 3.38% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $1,856 | 2.50% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,081 | 2.75% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,830 | 3.50% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $1,653 | 3.38% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,694 | 3.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $2,002 | 3.50% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,537 | 2.88% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,280 | 2.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,426 | 2.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $2,367 | 4.00% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,329 | 2.63% |
| Corning, NY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,744 | 2.81% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,071 | 3.00% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,669 | 2.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,627 | 2.88% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,093 | 3.25% |
| TYLER, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,769 | 3.13% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,188 | 2.75% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,078 | 2.75% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,989 | 3.25% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,738 | 2.63% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,478 | 2.88% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,990 | 3.69% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,954 | 3.75% |
| OCALA, FL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,709 | 3.13% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,807 | 3.13% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,004 | 3.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,954 | 2.63% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,877 | 2.88% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,636 | 3.00% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,467 | 2.88% |
| Kingsville, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,272 | 2.88% |
| Laramie, WY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,935 | 3.00% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,345 | 2.63% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,461 | 4.00% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,198 | 3.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,461 | 2.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,736 | 3.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,296 | 2.63% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,338 | 2.88% |
| Wilson, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,670 | 2.88% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,155 | 3.00% |
| MERCED, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,679 | 2.25% |
| Seneca Falls, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,334 | 3.38% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,468 | 3.00% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,809 | 3.13% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,060 | 2.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,935 | 2.75% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,543 | 3.25% |
| Pullman, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,051 | 3.00% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,864 | 3.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,695 | 3.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,416 | 2.50% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,828 | 2.50% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,433 | 3.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $974 | 2.88% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,590 | 3.38% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,075 | 4.50% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,791 | 2.75% |
| Adrian, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,005 | 3.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,428 | 3.88% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,903 | 2.88% |
| NILES, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,126 | 3.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,360 | 3.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $821 | 3.13% |
| Ogdensburg-Massena, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,642 | 2.88% |
| WATERTOWN-FORT DRUM, NY (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $3,610 | 3.25% |
| Washington, NC (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,562 | 3.38% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,002 | $396,480,000 | $395,689 | $3,087 | 3.05% |
For 2020, Rbc Bank (georgia)'s most frequently originated type of loan was Conventional, with 1,002 originations.
Loan Reason
For 2020, Rbc Bank (georgia)'s most frequently cited loan purpose was Home Purchase, with 763 originations. The 2nd most popular reason was Cash Out Refi, with 149 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 1,002 | $396,480,000 | $395,689 | $3,087 | 3.05% |
For 2020, Rbc Bank (georgia)'s most frequently cited loan duration was 30 Year, with 1,002 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 997 | $393,495,000 | $394,679 |
| $1k-2k | 2 | $310,000 | $155,000 |
| $5k+ | 2 | $2,510,000 | $1,255,000 |
| $3k-4k | 1 | $165,000 | $165,000 |
Rbc Bank (georgia)'s average total fees were $3,087, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 997 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 525 | $218,935,000 | $417,019 |
| 3-4% | 370 | $119,650,000 | $323,378 |
| <2.5% | 79 | $52,535,000 | $665,000 |
| 4-5% | 28 | $5,360,000 | $191,429 |
During 2020, Rbc Bank (georgia)'s average interest rate for loans was 3.05%, while their most frequently originated rate bucket for loans was 2.5-3%, with 525 originations.
Loan Sizing
2020 saw Rbc Bank (georgia) place emphasis on $200k-400k loans with 355 originations, totaling $100,485,000 in origination value.
Applicant Income
Rbc Bank (georgia) lent most frequently to those with incomes in the $250k+ range, with 275 originations. The second most popular income band? $150k-250k, with 263 originations.
Applicant Debt to Income Ratio
Rbc Bank (georgia) lent most frequently to those with DTI ratios of 20-30%, with 226 originations. The next most common DTI ratio? 30-36%, with 184 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.67%
Rbc Bank (georgia) has an average approval rate.
Pick Rate
Approvals leading to origination57.19%
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 | 1,002 | $396,480,000 | $395,689 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Site-Built | 1,002 | $396,480,000 | $395,689 |
LTV Distribution
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 | $4,226,375 |
For 2020, Rbc Bank (georgia) had 1 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $103,005 |
| Net interest income | $93,024 |
| Total noninterest income | $34,992 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $11,921 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $23,071 |
| Pre-tax net operating income | $51,558 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $39,656 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $39,656 |
| Minority interest net income | $0 |
| Net income | $39,656 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $39,656 |
Rbc Bank (georgia)'s gross interest income from loans was $103,005,000.
Rbc Bank (georgia)'s net interest income from loans was $93,024,000.
Rbc Bank (georgia)'s fee based income from loans was $11,921,000.
Rbc Bank (georgia)'s net income from loans was $39,656,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $9,981 |
| Provision for credit losses | $10,890 |
| Total noninterest expense | $65,568 |
| Salaries and employee benefits | $24,763 |
| Premises and equipment expense | $2,022 |
| Additional noninterest expense | $38,783 |
| Applicable income taxes | $11,902 |
| Net charge-offs | $3,670 |
| Cash dividends | $0 |
Rbc Bank (georgia)'s interest expense for loans was $9,981,000.
Rbc Bank (georgia)'s payroll and benefits expense were $24,763,000.
Rbc Bank (georgia)'s property, plant and equipment expenses $2,022,000.
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 | 11.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 2.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 0.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.9% |
| 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 | $4,562,417 |
| Deposits held in domestic offices | $4,562,417 |
| Deposits by Individuals, partnerships, and corporations | $4,526,611 |
| Deposits by U.S. Government | $710 |
| Deposits by States and political subdivisions in the U.S. | $97 |
| 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 | $1,200,848 |
| Demand deposits | $1,038,250 |
| Nontransaction accounts | $3,361,570 |
| Money market deposit accounts (MMDAs) | $3,268,272 |
| Other savings deposits (excluding MMDAs) | $22,758 |
| Total time deposits | $70,541 |
| Total time and savings deposits | $3,524,168 |
| Noninterest-bearing deposits | $1,038,250 |
| Interest-bearing deposits | $3,524,167 |
| Retail deposits | $4,513,704 |
| IRAs and Keogh plan accounts | $2,354 |
| Brokered deposits | $0 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $5,098,823 |
| Cash & Balances due from depository institutions | $205,213 |
| Interest-bearing balances | $197,589 |
| Total securities | $3,182,705 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $1,639,884 |
| Loan and leases loss allowance | $15,235 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $12,393 |
| Other real estate owned | $101 |
| Goodwill and other intangibles | $0 |
| All other assets | $58,527 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $5,098,823 |
| Total Liabilities | $4,610,353 |
| Total deposits | $4,562,417 |
| Interest-bearing deposits | $3,524,167 |
| Deposits held in domestic offices | $4,562,417 |
| % insured (estimated) | $93 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $0 |
| All other liabilities | $47,936 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,639,884 |
| Loan and leases loss allowance | $15,235 |
| Total loans and leases (domestic) | $1,655,119 |
| All real estate loans | $1,530,819 |
| Real estate loans in domestic offices | $1,530,819 |
| Construction and development loans | $470 |
| Residential 1-4 family construction | $0 |
| Other construction, all land development and other land | $470 |
| 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 | $1,530,349 |
| 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 | $124,301 |
| Credit card loans | $111,751 |
| Related Plans | $12,020 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $530 |
| 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 | $882,842 |
| Restructured Loans & leases | $492 |
| Non 1-4 family restructured loans & leases | $385 |
| Total loans and leases (foreign) | $0 |
RBC Bank (Georgia) had $1,639,884,000 of loans outstanding in 2020. $1,530,819,000 of loans were in real estate loans. $470,000 of loans were in development loans. $0 of loans were in multifamily mortgage loans. $1,530,349,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $111,751,000 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 |
|---|