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

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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, Orlando, and Atlanta among others. We have data for 177 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.

    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

    1,304

    Origination Dollar Volume (All Markets)

    $591,760,000

    Employee count

    192 Show all (23) 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
    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, KY (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.

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

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    Product Mix

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

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

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Rbc Bank (georgia)'s most frequently cited loan purpose was Home Purchase, with 1,095 originations. The 2nd most popular reason was 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 2021, Rbc Bank (georgia)'s most frequently cited loan duration was 30 Year, with 1,304 originations.

    Origination Fees/Closing Costs

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

    Rbc Bank (georgia)'s average total fees were $3,549, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.12%, while their most frequently originated rate bucket for loans was 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 or Islander 1 $115,000 $115,000 $2,155 4.63%

    Approval Rates

    Total approvals of all applications
    93.51%

    Rbc Bank (georgia) has an average approval rate.

    Pick Rate

    Approvals leading to origination
    52.99%

    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