# RBC Bank, (Georgia) National Association

> **Canonical URL:** https://saferate.com/lenders/rbc-bank-georgia-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


RBC Bank, (Georgia) National Association is a bank, headquartered in Atlanta, GA, serving borrowers nationwide, with 666 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493001JT9MT3Z3Y3M39
- **Headquarters:** Atlanta, GA
- **Geographic Reach:** National
- **States Served:** 43
- **State List:** AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 17
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.156%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $82
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 666
- **Dollar Volume:** $332 million
- **Applications Received:** 989
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $499,174
- **Average Borrower Income:** $335,586
- **Average Property Value:** $729,745

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 567 | -0.141% | $45 | Sound ☺️ |
| Jumbo | 77/100 | 99 | -0.240% | $287 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 529 loans, Score: 53/100 (Sound)
- Refinance: 38 loans, Score: 39/100 (Acceptable)

**Jumbo:**
- Purchase: 91 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 620 | $308M | -0.159% | Sound ☺️ |
| Refinance | 37/100 | 46 | $24M | -0.115% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 206 | 0.07% | 66/100 |
| TX | 76 | 0.02% | 55/100 |
| AZ | 49 | 0.05% | 56/100 |
| CA | 34 | 0.01% | 47/100 |
| GA | 24 | 0.02% | 46/100 |
| NC | 22 | 0.01% | 44/100 |
| MI | 21 | 0.02% | 45/100 |
| NY | 21 | 0.02% | 46/100 |
| MA | 16 | 0.03% | 43/100 |
| IL | 15 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Phoenix | AZ | 40 | 54/100 |
| Non |  | 34 | 35/100 |
| Houston | TX | 32 | 51/100 |
| Orlando | FL | 30 | 53/100 |
| North Port | FL | 25 | 55/100 |
| Fort Lauderdale | FL | 21 | 50/100 |
| West Palm Beach | FL | 21 | 52/100 |
| Riverside | CA | 19 | 46/100 |
| Atlanta | GA | 18 | 45/100 |
| Miami | FL | 17 | 47/100 |
| Cape Coral | FL | 15 | 47/100 |
| Dallas | TX | 15 | 43/100 |
| Lakeland | FL | 15 | 48/100 |
| Las Vegas | NV | 13 | 43/100 |
| Tampa, FL | FL | 13 | 43/100 |

## Frequently Asked Questions

### What loan types does RBC Bank, (Georgia) National Association offer?

RBC Bank, (Georgia) National Association offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RBC Bank, (Georgia) National Association offer mortgages?

RBC Bank, (Georgia) National Association is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are RBC Bank, (Georgia) National Association's mortgage rates?

RBC Bank, (Georgia) National Association has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.156% below market average.

### What type of lender is RBC Bank, (Georgia) National Association?

RBC Bank, (Georgia) National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Atlanta, GA.

### What is RBC Bank, (Georgia) National Association's loan approval success rate?

RBC Bank, (Georgia) National Association has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/rbc-bank-georgia-national-association

### How to Cite

> "RBC Bank, (Georgia) National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rbc-bank-georgia-national-association

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