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RBC Bank, (Georgia) National Association

BankAtlanta, GADirect to Consumer

We analyzed every closed loan from Rbc Bank Georgia National Association 666 loans across 989 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Strong
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional · Jumbo
Place
Sound
National · 16 mkts
Safe Rate AwardsJumbo Superstar

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Safe Rate's Summary

What They Do Well

  • Offers rates 15.60 basis points below market average
  • Lower than average lender fees
  • Nationwide availability with consistent service

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Report Card

RBC Bank, (Georgia) National Association performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Highly Competitive
Rates 15.6 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
Jumbo
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
National17 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Exceptional
Acceptable
56785.1%
-0.141%Below
$45Fees
Jumbo Loans
Strong
Strong
Exceptional
Strong
9914.9%
-0.240%Below
$287Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Strong
Acceptable
62093.1%
-0.159%Below
$91Fees
Refinance
Sound
Acceptable
Exceptional
Acceptable
466.9%
-0.115%Below
$44Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
666
Applications
989
Volume
$332 million
Pricing & Closing
Avg Rate Spread
-0.156%
vs. market APOR
Avg Net Fees
$82
Origination − Credits
Pullthrough Rate
67.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$499,174
Avg Borrower Income
$335,586
Avg Property Value
$729,745

Geographic Coverage

Geographic Performance

Metro Areas
16
States Served
43
We count Washington DC as a state
Avg Place Specialization
Sound

States with Loan Originations

AKALARAZCACOCTDCDEFLGAHIIDILINKSKYLAMAMDMEMIMNMOMSNCNHNJNMNVNYOHOKORPARISCTNTXUTVAWAWI

Top Metro Areas by Place Specialization Score

1
North Port, FLMSA
Volume: 25Mix: 3.75%of portfolio
Place
Sound
2
Phoenix, AZMSA
Volume: 40Mix: 6.01%of portfolio
Place
Sound
3
Orlando, FLMSA
Volume: 30Mix: 4.50%of portfolio
Place
Sound
4
West Palm Beach, FLMSA
Volume: 21Mix: 3.15%of portfolio
Place
Sound
5
Houston, TXMSA
Volume: 32Mix: 4.80%of portfolio
Place
Sound
6
Fort Lauderdale, FLMSA
Volume: 21Mix: 3.15%of portfolio
Place
Sound
7
Lakeland, FLMSA
Volume: 15Mix: 2.25%of portfolio
Place
Sound
8
Miami, FLMSA
Volume: 17Mix: 2.55%of portfolio
Place
Sound
9
Cape Coral, FLMSA
Volume: 15Mix: 2.25%of portfolio
Place
Sound
10
Riverside, CAMSA
Volume: 19Mix: 2.85%of portfolio
Place
Sound
Showing 10 of 16 metro areas

Top States by Place Specialization Score

1
FLState
Volume: 206Mix: 30.93%of portfolio
Place
Strong
2
AZState
Volume: 49Mix: 7.36%of portfolio
Place
Sound
3
TXState
Volume: 76Mix: 11.41%of portfolio
Place
Sound
4
CAState
Volume: 34Mix: 5.11%of portfolio
Place
Sound
5
GAState
Volume: 24Mix: 3.60%of portfolio
Place
Sound
6
NYState
Volume: 21Mix: 3.15%of portfolio
Place
Sound
7
MIState
Volume: 21Mix: 3.15%of portfolio
Place
Sound
8
NCState
Volume: 22Mix: 3.30%of portfolio
Place
Sound
9
NVState
Volume: 14Mix: 2.10%of portfolio
Place
Sound
10
MAState
Volume: 16Mix: 2.40%of portfolio
Place
Sound
Showing 10 of 15 states

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.