# RCB Bank

> **Canonical URL:** https://saferate.com/lenders/rcb-bank


> **📋 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


RCB Bank is a bank, headquartered in Claremore, OK, serving borrowers across 8 states, with 356 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 42% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 2549007W5PWUV8XG3V90
- **Headquarters:** Claremore, OK
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AR, AZ, KS, LA, MO, NE, OK, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 80/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 58/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.368%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,261
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 356
- **Dollar Volume:** $80 million
- **Applications Received:** 534
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $225,056
- **Average Borrower Income:** $133,854
- **Average Property Value:** $336,376

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 287 | -0.482% | $1,331 | Sound ☺️ |
| FHA | 60/100 | 46 | +0.428% | $870 | Sound ☺️ |
| VA | 57/100 | 14 | -0.376% | $1,294 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 214 loans, Score: 53/100 (Sound)
- Refinance: 73 loans, Score: 60/100 (Strong)

**FHA:**
- Purchase: 43 loans, Score: 59/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 54/100 | 279 | $68M | -0.300% | Sound ☺️ |
| Refinance | 58/100 | 77 | $12M | -0.604% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OK | 279 | 0.68% | 81/100 |
| KS | 67 | 0.22% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 144 | 62/100 |
| Tulsa, OK | OK | 138 | 76/100 |
| Wichita, KS | KS | 27 | 57/100 |
| Oklahoma City, OK | OK | 24 | 54/100 |

## Where This Lender Ranks

RCB Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Tulsa, OK Banks
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks)
- 🏆 **#8** in Oklahoma Banks
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks)
- 🏆 **#8** in Tulsa, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#11** in Tulsa, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/va-loans)
- 🏆 **#13** in Oklahoma for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#14** in Oklahoma
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders)
- 🏆 **#14** in Tulsa, OK
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders)
- 🏆 **#14** in Tulsa, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Wichita, KS Banks
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks)
- 🏆 **#15** in Oklahoma for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Tulsa, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/tulsa-ok/best-mortgage-lenders/fha-loans)
- 🏆 **#17** in Oklahoma for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/oklahoma/best-mortgage-lenders/banks/va-loans)
- 🏆 **#17** in Kansas for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does RCB Bank offer?

RCB Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does RCB Bank offer mortgages?

RCB Bank offers mortgages in 8 states: AR, AZ, KS, LA, MO, NE, OK, TX.

### How competitive are RCB Bank's mortgage rates?

RCB Bank has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.368% below market average.

### What type of lender is RCB Bank?

RCB Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Claremore, OK.

### What is RCB Bank's loan approval success rate?

RCB Bank has a pull-through score of 58/100 (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/rcb-bank

### How to Cite

> "RCB Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rcb-bank

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