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RBC Bank, (Georgia) National Association
Bank|Atlanta, GA|National
Loans Originated
666
Applications
989
Volume
$332 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Sound
Safe Rate Awards⭐Jumbo Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.156%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$82
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
67.3%
Percentage of applications that result in closed loans
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
Report Card
RBC Bank, (Georgia) National Association performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | National · 17 metro areas · 43 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$499,174
Average Borrower Income
$335,586
Average Property Value
$729,745
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Exceptional | Acceptable | 567 | 85.1% | -0.141% | $45 |
Jumbo Loans | Strong | Strong | Exceptional | Strong | 99 | 14.9% | -0.240% | $287 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | Strong | Acceptable | 620 | 93.1% | -0.159% | $91 |
Refinance | Sound | Acceptable | Exceptional | Acceptable | 46 | 6.9% | -0.115% | -$44 |
Geographic Coverage
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%
Place Specialization
Sound
2
Phoenix, AZMSA
Volume: 40Mix: 6.01%
Place Specialization
Sound
3
Orlando, FLMSA
Volume: 30Mix: 4.50%
Place Specialization
Sound
4
West Palm Beach, FLMSA
Volume: 21Mix: 3.15%
Place Specialization
Sound
5
Houston, TXMSA
Volume: 32Mix: 4.80%
Place Specialization
Sound
6
Fort Lauderdale, FLMSA
Volume: 21Mix: 3.15%
Place Specialization
Sound
7
Lakeland, FLMSA
Volume: 15Mix: 2.25%
Place Specialization
Sound
8
Miami, FLMSA
Volume: 17Mix: 2.55%
Place Specialization
Sound
9
Cape Coral, FLMSA
Volume: 15Mix: 2.25%
Place Specialization
Sound
10
Riverside, CAMSA
Volume: 19Mix: 2.85%
Place Specialization
Sound
Showing 10 of 16 metro areas
Top States by Place Specialization Score
1
FLState
Volume: 206Mix: 30.93%
Place Specialization
Strong
2
AZState
Volume: 49Mix: 7.36%
Place Specialization
Sound
3
TXState
Volume: 76Mix: 11.41%
Place Specialization
Sound
4
CAState
Volume: 34Mix: 5.11%
Place Specialization
Sound
5
GAState
Volume: 24Mix: 3.60%
Place Specialization
Sound
6
NYState
Volume: 21Mix: 3.15%
Place Specialization
Sound
7
MIState
Volume: 21Mix: 3.15%
Place Specialization
Sound
8
NCState
Volume: 22Mix: 3.30%
Place Specialization
Sound
9
NVState
Volume: 14Mix: 2.10%
Place Specialization
Sound
10
MAState
Volume: 16Mix: 2.40%
Place Specialization
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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