RCB Bank is a community-focused, full-service bank headquartered in Claremore, Oklahoma. Founded in 1936, it has grown to over 50 branch locations across Oklahoma and Kansas, with more than $4 billion in assets and a strong presence in local banking and lending.
See today’s mortgage interest rates on TrueRate.
How RCB Bank compares to other lenders
| Headquarters | Claremore, Oklahoma |
| Website | rcbbank.bank |
| Rate | 0.22% less than the median rate |
| Lender fees | $995 (median) |
| Savings after 1 year, compared to the median interest rate | $1,078 |
| Savings after 10 years, compared to the median interest rate | $7,432 |
| Added cost after 1 year, compared to Tomo Mortgage | $1,500 |
| Added cost after 10 years, compared to Tomo Mortgage | $3,752 |
For a $400,000 mortgage, RCBs rates—roughly 0.22% below the market average—and a $995 lender fee result in estimated savings of $1,078 in the first year and about $7,432 over 10 years compared to the median lender.
What customers are saying
RCB Bank receives mixed feedback for its mortgage and general banking services. While some customers appreciate the personal service at certain branches and the bank’s community involvement, other reviews highlight serious issues with customer service, professionalism, and communication.
Borrowers across Yelp report rude or dismissive staff, unresolved account problems, and difficulties with outdated online banking systems. Additional complaints include unexpected fees and restrictive policies not found at other institutions. While RCB Bank may appeal to those seeking a local, small-town feel, operational and service shortcomings could make it smart to compare other lending options.
How to compare mortgage lenders
Interest rates. Comparing rates between lenders isn’t always straightforward. Many promote low headline rates that require paying “points” upfront to buy down the interest rate. To make a true comparison, focus on the par rate (0 points) and the APR, which reflects both the interest rate and any lender fees. Even small differences can translate into significant savings over the life of the loan.
Lender fees or loan origination fees. Many lenders charge fees that add thousands to the cost of a loan. It’s important to look at both the rate and the fees together to understand the true cost of borrowing. For a $400,000 mortgage, avoiding even a $1,000 fee could contribute to meaningful savings in the first year and over the long term.
On-time close rate. Most lenders do not publicly share their on-time close rates. However, it’s a critical factor—especially if your home contract has tight deadlines. Asking about their process for meeting close dates, including underwriting and document review timelines, can give you more confidence when choosing a lender.
Pre-approval and offer letters. Some lenders offer fast pre-qualifications that may not be fully underwritten, which can weaken your offer in competitive markets. It’s important to ask whether a lender’s pre-approvals are fully underwritten and how credible their letters are when presented with an offer.
Customer satisfaction. If detailed customer review data isn’t readily available, check third-party review sites or ask the lender for references. It’s important to understand how they handle communication, responsiveness, and issue resolution throughout the loan process.
Employee reviews. Company culture often influences how clients are treated. A lender with strong employee satisfaction typically delivers better service, more organized processing, and a smoother overall experience for borrowers.
To better understand how we compare mortgage rates fairly, see our TrueRate Methodology.
If you’re ready to start your journey to homeownership, get pre-approved with Tomo Mortgage today.