RCB Bank has 356 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 3 mkts
Awards
Conventional
Superstar
FHA
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 36.80 basis points below market average
- Lower than average lender fees
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Report Card
RCB Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 36.8 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 287 | 80.6% | -0.482%Below | $1,331Fees | ||||
FHA Loans | 46 | 12.9% | +0.428%Above | $870Fees | ||||
VA Loans | — | — | 14 | 3.9% | -0.376%Below | $1,294Fees |
Conventional
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume287
Mix80.6%
Spread
-0.482%Below
Fees
$1,331Fees
FHA Loans
OverallStrong
ProductSound
PricingStrong
Pull ThroughStrong
Volume46
Mix12.9%
Spread
+0.428%Above
Fees
$870Fees
VA Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume14
Mix3.9%
Spread
-0.376%Below
Fees
$1,294Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 279 | 78.4% | -0.300%Below | $1,269Fees | ||||
Refinance | 77 | 21.6% | -0.604%Below | $1,235Fees |
Purchase
OverallSound
ProductSound
PricingStrong
Pull ThroughSound
Volume279
Mix78.4%
Spread
-0.300%Below
Fees
$1,269Fees
Refinance
OverallStrong
ProductSound
PricingExceptional
Pull ThroughStrong
Volume77
Mix21.6%
Spread
-0.604%Below
Fees
$1,235Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
356
Applications
534
Volume
$80 million
Pricing & Closing
Avg Rate Spread
-0.368%
vs. market APOR
Avg Net Fees
$1,261
Origination − Credits
Pullthrough Rate
66.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$225,056
Avg Borrower Income
$133,854
Avg Property Value
$336,376
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
8
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
8Midwest3
KSMONE
South4
ARLAOKTX
West1
AZ
Top Metro Areas by Place Specialization Score
Volume 138Mix 38.76% of portfolio
76/100
Strong
Volume 27Mix 7.58% of portfolio
57/100
Sound
Volume 24Mix 6.74% of portfolio
54/100
SoundTop States by Place Specialization Score
1
OklahomaState
Volume 279Mix 78.37% of portfolio
81/100
Exceptional2
KansasState
Volume 67Mix 18.82% of portfolio
68/100
StrongHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.