RBC Bank, (Georgia), N.A.: 2025 mortgage rates, costs & approvals
How RBC Bank, (Georgia), N.A. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: RBC Bank, (Georgia) National Association · LEI 5493001JT9MT3Z3Y3M39
In 2025, RBC Bank, (Georgia), N.A. originated 360 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 44 states — 879th by volume among the 2,017 lenders profiled here.
It denied 6.2% of completed home-purchase applications (all lenders: 8.5%).
How RBC Bank, (Georgia), N.A. priced home-purchase loans
| Purchase loans, 2025 | RBC Bank, (Georgia), N.A. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | — | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | −0.13 pts | +0.13 pts |
| Total loan costs · conventional | $3,810 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $0 | $1,860 |
| Borrowers paying discount points | 6.0% | 51.3% |
| Points paid, when paid (% of loan) | 2.23% | 0.87% |
| Borrowers receiving lender credits | 5.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why RBC Bank, (Georgia), N.A. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where RBC Bank, (Georgia), N.A. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 72 | 75 | 2.7% | — | $4,880 |
| Florida | 37 | 42 | 8.1% | — | $4,170 |
| California | 21 | 29 | 18.2% | — | — |
| Georgia | 20 | 21 | 0.0% | — | $3,650 |
| Illinois | 17 | 18 | — | — | — |
| Washington | 16 | 17 | — | — | — |
| Michigan | 16 | 16 | — | — | — |
| New York | 14 | 16 | — | — | — |
| Arizona | 13 | 13 | — | — | — |
| North Carolina | 13 | 13 | — | — | — |
| Tennessee | 12 | 16 | — | — | — |
| Massachusetts | 10 | 11 | — | — | — |
| Nevada | 8 | 8 | — | — | — |
| Ohio | 7 | 8 | — | — | — |
| Colorado | 7 | 7 | — | — | — |
| Pennsylvania | 7 | 7 | — | — | — |
| South Carolina | 7 | 7 | — | — | — |
| New Jersey | 6 | 7 | — | — | — |
| Virginia | 6 | 6 | — | — | — |
| Kentucky | 5 | 5 | — | — | — |
| Indiana | 4 | 4 | — | — | — |
| North Dakota | 4 | 4 | — | — | — |
| Missouri | 3 | 4 | — | — | — |
| Connecticut | 3 | 3 | — | — | — |
| Montana | 2 | 3 | — | — | — |
| Alabama | 2 | 2 | — | — | — |
| Arkansas | 2 | 2 | — | — | — |
| Hawaii | 2 | 2 | — | — | — |
| Iowa | 2 | 2 | — | — | — |
| Idaho | 2 | 2 | — | — | — |
| Kansas | 2 | 2 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Maryland | 2 | 2 | — | — | — |
| New Hampshire | 2 | 2 | — | — | — |
| Oregon | 2 | 2 | — | — | — |
| Utah | 2 | 2 | — | — | — |
| Wyoming | 2 | 2 | — | — | — |
| Minnesota | 1 | 2 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Maine | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| Wisconsin | 1 | 1 | — | — | — |
| West Virginia | 1 | 1 | — | — | — |
| New Mexico | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open RBC Bank, (Georgia), N.A.'s page for that state.
Counties where RBC Bank, (Georgia), N.A. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Custer County, ID | 10 | 1 | 2.2% |
Check RBC Bank, (Georgia), N.A. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493001JT9MT3Z3Y3M39.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from RBC Bank, (Georgia), N.A. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology