Applications / Mortgage Analytics / Lenders / Georgia / RBC Bank (Georgia)
Atlanta, GA · National bank · OCC · $8.0 billion assets · 801 loans in 2025
RBC Bank (Georgia)'s data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
801
loans originated, 2025
1,216
applications, 2025
45
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RBC Bank (Georgia) is a national purchase lender with large loans: it lends in 45 states, mostly for home purchase, with a typical loan of $355,000 against $205,000 at similar national banks.
Its lending reaches 174 metros, with Florida its main state, but it holds no large share anywhere: in its largest market, Phoenix-Mesa-Chandler, AZ, it ranks 198 of 879 with 0.1%. Its lending is spread across many markets rather than concentrated in a home market.
Home purchase made up 73.5% of its loans. Its jumbo share (loans larger than the conforming limit) was 10.5%, against 2.3% at similar lenders (national banks making between half and twice as many loans), higher than more than nine in ten of them. It also bought 60 loans.
6.4% of its loans went to low- and moderate-income (LMI) borrowers, against 26.0% at similar lenders, among the lowest few. Large purchase and jumbo loans are one plausible reason, as they go mostly to higher-income borrowers. 20.3% of its loans went to majority-minority areas, against 7.8%, higher than about five in six of them.
It made 801 loans, down 14% from 927, while similar lenders grew 9%; its growth was among the lowest tenth. Its originations peaked at 1,643 in 2022. A lender spread across 174 metros may have pulled back from some of them; the fact pack does not show which. Its typical rate, 5.62%, was the lowest among similar lenders, and it made no higher-priced loans.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. RBC Bank (Georgia) took 1,216 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.5% · Refinance 15.1% · Home improvement 9.4% · Other 2.0%
Conventional 100.0% · of 801 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 201 | 25.1% |
| Texas | 95 | 11.9% |
| Arizona | 72 | 9.0% |
| California | 62 | 7.7% |
| Georgia | 31 | 3.9% |
| Washington | 29 | 3.6% |
| Michigan | 28 | 3.5% |
| North Carolina | 28 | 3.5% |
| New York | 23 | 2.9% |
| Nevada | 21 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 65 |
| Houston-Pasadena-The Woodlands | 53 |
| Orlando-Kissimmee-Sanford | 31 |
| North Port-Bradenton-Sarasota | 29 |
| Riverside-San Bernardino-Ontario | 27 |
| Cape Coral-Fort Myers | 24 |
| Atlanta-Sandy Springs-Roswell | 21 |
| Las Vegas-Henderson-North Las Vegas | 18 |
| Tampa | 16 |
| Fort Lauderdale-Pompano Beach-Sunrise | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001JT9MT3Z3Y3M39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2608905 | 2004–2006 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3783948 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326342 | 1990–1996 |
| Respondent ID (the HMDA filer code before 2018) | 123416 | 1997–2016 |
| Respondent ID (the HMDA filer code before 2018) | 93783948 | 2017–2017 |
Established 30 August 1985. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: RBC Bank (Georgia)'s data.
RBC Bank (Georgia)'s data
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RBC Bank (Georgia) and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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