R Bank Mortgage Lending & HMDA Data, 2025
In 2025, R Bank of Round Rock, TX reported 71 mortgage applications totaling $42.7 million, down 34% from 2024. The average application was for $600,774, and applicants reported an average income of $329,676. 51% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Austin-Round Rock, TX (34), Houston-The Woodlands-Sugar Land, TX (3) and Dallas-Plano-Irving, TX (2) (applications in parentheses).
| Mortgage Company & Address | R Bank 3600 E Palm Valley Blvd Round Rock, TX 78665 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 71 |
| Total Mortgage Loan Application Amount | $42,655,000 |
| Average Mortgage Loan Application Amount | $600,774 |
| Highest Mortgage Loan Application Amount | $11,005,000 |
| Average Applicant Income | $329,676 |
| Highest Applicant Income | $1,662,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Travis, Texas | 18 | $ 24,660,000 | $ 1,370,000 | $ 339,000 |
| Williamson, Texas | 15 | $ 6,025,000 | $ 401,666 | $ 434,000 |
| Burnet, Texas | 13 | $ 4,125,000 | $ 317,307 | $ 316,000 |
| Llano, Texas | 3 | $ 665,000 | $ 221,666 | $ 540,000 |
| Bell, Texas | 2 | $ 470,000 | $ 235,000 | $ 205,000 |
| Harris, Texas | 2 | $ 1,380,000 | $ 690,000 | $ 84,000 |
| Jackson, Texas | 2 | $ 370,000 | $ 185,000 | $ 101,000 |
| Milam, Texas | 2 | $ 740,000 | $ 370,000 | $ 220,000 |
| San Miguel, Colorado | 1 | $ 515,000 | $ 515,000 | $ 335,000 |
| Bastrop, Texas | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Brown, Texas | 1 | $ 205,000 | $ 205,000 | $ 562,000 |
| Dallas, Texas | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Erath, Texas | 1 | $ 265,000 | $ 265,000 | $ 60,000 |
| Fort Bend, Texas | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Hood, Texas | 1 | $ 525,000 | $ 525,000 | $ 115,000 |
| Jasper, Texas | 1 | $ 295,000 | $ 295,000 | $ 124,000 |
| McLennan, Texas | 1 | $ 195,000 | $ 195,000 | $ 763,000 |
| Mills, Texas | 1 | $ 265,000 | $ 265,000 | $ 68,000 |
| Nueces, Texas | 1 | $ 365,000 | $ 365,000 | $ 997,000 |
| Randall, Texas | 1 | $ 115,000 | $ 115,000 | $ 26,000 |
| Rockwall, Texas | 1 | $ 815,000 | $ 815,000 | $ 282,000 |
| Tarrant, Texas | 1 | $ 115,000 | $ 115,000 | $ 140,000 |
Mortgage Loan Application Detail Totals for R Bank in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 43 | $32,165,000 | $748,000 | $11,005,000 | $321,000 | $1,409,000 |
| Cash-out Refinancing | 21 | $7,575,000 | $360,000 | $1,605,000 | $385,000 | $1,662,000 |
| Refinancing | 7 | $2,915,000 | $416,000 | $815,000 | $217,000 | $396,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 43 | $20,995,000 | $488,000 | $1,975,000 | $353,000 | $1,662,000 |
| Hispanic | 9 | $2,465,000 | $273,000 | $605,000 | $157,000 | $403,000 |
| Not applicable | 8 | $15,570,000 | $1,946,000 | $11,005,000 | $0 | $0 |
| Not Provided | 8 | $2,770,000 | $346,000 | $435,000 | $330,000 | $997,000 |
| Asian | 3 | $855,000 | $285,000 | $345,000 | $488,000 | $1,248,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 71 | $42,655,000 | $600,000 | $11,005,000 | $328,000 | $1,662,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 36 | $31,020,000 | $861,000 | $11,005,000 | $357,000 | $1,409,000 |
| Application Withdrawn By Applicant | 26 | $9,510,000 | $365,000 | $1,205,000 | $267,000 | $763,000 |
| Application Denied By Financial Institution | 9 | $2,125,000 | $236,000 | $375,000 | $398,000 | $1,662,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 62 | $40,530,000 | $653,000 | $11,005,000 | $316,000 | $1,409,000 |
| Debt-To-Income Ratio | 7 | $1,765,000 | $252,000 | $375,000 | $96,000 | $258,000 |
| Credit History | 2 | $360,000 | $180,000 | $205,000 | $1,455,000 | $1,662,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R Bank's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess R Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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