RBC Bank, (Georgia) at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
24th19.4% deniedPricingmedian rate spread over APOR, weight 30%
90th-0.15 ptsProcesswithdrawn + incomplete share, weight 15%
49th17.2%Closing coststotal loan costs ÷ loan amount, weight 10%
90th1.06% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,079 | 1,222 | 16.8% | 22.0% | 6.00% | $555M |
| 2024 | 1,518 | 927 | 19.4% | 23.9% | 6.00% | $421M |
| 2025 | 1,216 | 801 | 16.0% | 19.4% | 5.63% | $381M |
What RBC Bank, (Georgia) lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 283 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 106 investment properties.
Why RBC Bank, (Georgia) denies applications
Primary reason reported for each of the 195 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at RBC Bank, (Georgia)
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 45 | 4 | 86.7% |
| $50k – $100k | 157 | 87 | 32.6% |
| $100k – $150k | 226 | 132 | 24.4% |
| $150k – $250k | 374 | 278 | 14.4% |
| Over $250k | 386 | 285 | 9.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 132 | 95 | 14.3% |
| 35–44 | 334 | 240 | 15.0% |
| 45–54 | 340 | 228 | 18.0% |
| 55–64 | 243 | 151 | 23.5% |
| 65–74 | 124 | 63 | 33.3% |
| Over 74 | 34 | 17 | 22.7% |
Where RBC Bank, (Georgia) lends
47 states and 337 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 355 | 201 | 25.1% | 5.75% | #285 |
| Texas | 115 | 95 | 2.6% | 5.63% | #529 |
| California | 109 | 62 | 23.9% | 5.75% | #426 |
| Arizona | 101 | 72 | 15.8% | 5.75% | #242 |
| Georgia | 50 | 31 | 4.0% | 5.50% | #437 |
| Washington | 44 | 29 | 13.6% | 5.63% | #304 |
| New York | 36 | 23 | 11.1% | 5.63% | #364 |
| Michigan | 35 | 28 | 2.9% | 5.75% | #372 |
| North Carolina | 35 | 28 | 8.6% | 5.56% | #444 |
| Nevada | 34 | 21 | 23.5% | 5.75% | #236 |
| Tennessee | 28 | 19 | 21.4% | 5.63% | #490 |
| Illinois | 24 | 18 | 12.5% | 5.50% | #570 |
| Ohio | 23 | 14 | 21.7% | 5.88% | #508 |
| Massachusetts | 21 | 16 | 14.3% | 5.50% | #411 |
| South Carolina | 21 | 14 | 19.1% | 5.56% | #442 |
| Hawaii | 16 | 11 | 18.8% | 6.25% | #144 |
| New Jersey | 14 | 8 | 14.3% | 5.38% | #502 |
| Pennsylvania | 14 | 11 | 0.0% | 5.50% | #643 |
| Montana | 11 | 5 | 36.4% | 5.88% | #172 |
| Colorado | 10 | 10 | 0.0% | 5.44% | #503 |
| Minnesota | 10 | 6 | 10.0% | 6.88% | #466 |
| Virginia | 10 | 8 | 0.0% | 5.44% | #576 |
| Indiana | 9 | 7 | 0.0% | 5.75% | #571 |
| North Dakota | 8 | 5 | 0.0% | 5.63% | #139 |
| Connecticut | 7 | 4 | 0.0% | 5.63% | #400 |
| Maine | 7 | 4 | 28.6% | 6.19% | #251 |
| Utah | 7 | 6 | 14.3% | 5.31% | #314 |
| Kentucky | 6 | 5 | 0.0% | 5.50% | #477 |
| Missouri | 6 | 5 | 16.7% | 5.63% | #560 |
| New Hampshire | 6 | 4 | 0.0% | 6.00% | #311 |
| Alabama | 5 | 2 | 20.0% | 5.56% | #562 |
| Arkansas | 5 | 4 | 0.0% | 5.63% | #406 |
Frequently asked questions
RBC Bank, (Georgia) denied 19.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of mid-size mortgage lenders.
The most common reason RBC Bank, (Georgia) gave in 2025 was "debt-to-income ratio", cited on 80.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans RBC Bank, (Georgia) originated in 2025 was 5.63%, and its median rate spread over the average prime offer rate was -0.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 63% of its applications were for home purchases, 23% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.