R Bank Mortgage Lending & HMDA Data, 2022
In 2022, R Bank of Round Rock, TX reported 312 mortgage applications totaling $175.4 million, down 33% from 2021. The average application was for $562,243, and applicants reported an average income of $256,365. 80% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Austin-Round Rock, TX (177), Dallas-Plano-Irving, TX (18) and Killeen-Temple, TX (17) (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 | 312 |
| Total Mortgage Loan Application Amount | $175,420,000 |
| Average Mortgage Loan Application Amount | $562,243 |
| Highest Mortgage Loan Application Amount | $3,445,000 |
| Average Applicant Income | $256,365 |
| Highest Applicant Income | $2,271,000 |
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Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Williamson, Texas | 109 | $ 65,875,000 | $ 604,357 | $ 250,000 |
| Travis, Texas | 54 | $ 42,540,000 | $ 787,777 | $ 451,000 |
| Burnet, Texas | 43 | $ 20,165,000 | $ 468,953 | $ 163,000 |
| Dallas, Texas | 14 | $ 5,580,000 | $ 398,571 | $ 186,000 |
| Bell, Texas | 13 | $ 4,795,000 | $ 368,846 | $ 235,000 |
| Jackson, Texas | 11 | $ 2,095,000 | $ 190,454 | $ 118,000 |
| Bastrop, Texas | 7 | $ 2,505,000 | $ 357,857 | $ 126,000 |
| Hays, Texas | 7 | $ 4,945,000 | $ 706,428 | $ 283,000 |
| Bexar, Texas | 4 | $ 740,000 | $ 185,000 | $ 0 |
| Nueces, Texas | 4 | $ 2,090,000 | $ 522,500 | $ 348,000 |
| Tarrant, Texas | 4 | $ 6,860,000 | $ 1,715,000 | $ 644,000 |
| Calhoun, Texas | 3 | $ 905,000 | $ 301,666 | $ 188,000 |
| Lampasas, Texas | 3 | $ 1,075,000 | $ 358,333 | $ 142,000 |
| Brazos, Texas | 2 | $ 430,000 | $ 215,000 | $ 393,000 |
| Collin, Texas | 2 | $ 1,020,000 | $ 510,000 | $ 445,000 |
| Comal, Texas | 2 | $ 1,430,000 | $ 715,000 | $ 218,000 |
| Harris, Texas | 2 | $ 1,190,000 | $ 595,000 | $ 171,000 |
| Johnson, Texas | 2 | $ 2,050,000 | $ 1,025,000 | $ 577,000 |
| Llano, Texas | 2 | $ 700,000 | $ 350,000 | $ 219,000 |
| Milam, Texas | 2 | $ 650,000 | $ 325,000 | $ 120,000 |
| Montgomery, Texas | 2 | $ 590,000 | $ 295,000 | $ 62,000 |
| Robertson, Texas | 2 | $ 870,000 | $ 435,000 | $ 151,000 |
| Victoria, Texas | 2 | $ 900,000 | $ 450,000 | $ 217,000 |
| Aransas, Texas | 1 | $ 285,000 | $ 285,000 | $ 170,000 |
| Blanco, Texas | 1 | $ 925,000 | $ 925,000 | $ 475,000 |
| Chambers, Texas | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
| Coryell, Texas | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Ellis, Texas | 1 | $ 385,000 | $ 385,000 | $ 192,000 |
| Galveston, Texas | 1 | $ 175,000 | $ 175,000 | $ 138,000 |
| Gillespie, Texas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Hamilton, Texas | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Hood, Texas | 1 | $ 585,000 | $ 585,000 | $ 185,000 |
| Hunt, Texas | 1 | $ 425,000 | $ 425,000 | $ 88,000 |
| Kendall, Texas | 1 | $ 375,000 | $ 375,000 | $ 240,000 |
| Matagorda, Texas | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| Montague, Texas | 1 | $ 695,000 | $ 695,000 | $ 224,000 |
| Real, Texas | 1 | $ 205,000 | $ 205,000 | $ 210,000 |
| Tom Green, Texas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Uvalde, Texas | 1 | $ 45,000 | $ 45,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for R Bank in 2022
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 | 246 | $148,210,000 | $602,000 | $3,445,000 | $260,000 | $1,731,000 |
| Cash-out Refinancing | 50 | $22,920,000 | $458,000 | $1,805,000 | $259,000 | $2,271,000 |
| Refinancing | 14 | $3,470,000 | $247,000 | $715,000 | $164,000 | $615,000 |
| Other Purpose | 1 | $165,000 | $165,000 | $165,000 | $615,000 | $615,000 |
| Home Improvement | 1 | $655,000 | $655,000 | $655,000 | $165,000 | $165,000 |
| Not Applicable | 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 | 173 | $92,235,000 | $533,000 | $3,445,000 | $234,000 | $1,731,000 |
| Not Provided | 62 | $43,650,000 | $704,000 | $2,695,000 | $317,000 | $2,271,000 |
| Not applicable | 48 | $26,760,000 | $557,000 | $3,025,000 | $0 | $0 |
| Hispanic | 17 | $5,955,000 | $350,000 | $1,135,000 | $202,000 | $615,000 |
| Asian | 6 | $3,000,000 | $500,000 | $625,000 | $262,000 | $445,000 |
| Black or African American | 4 | $2,800,000 | $700,000 | $1,105,000 | $319,000 | $400,000 |
| American Indian or Alaskan Native | 2 | $1,020,000 | $510,000 | $615,000 | $624,000 | $1,081,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 306 | $173,270,000 | $566,000 | $3,445,000 | $259,000 | $2,271,000 |
| VA-guaranteed (Veterans Administration) | 6 | $2,150,000 | $358,000 | $425,000 | $119,000 | $202,000 |
| 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 |
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 | 249 | $141,005,000 | $566,000 | $3,445,000 | $261,000 | $2,271,000 |
| Application Withdrawn By Applicant | 44 | $24,400,000 | $554,000 | $2,695,000 | $265,000 | $1,353,000 |
| Application Denied By Financial Institution | 14 | $8,410,000 | $600,000 | $1,805,000 | $148,000 | $445,000 |
| Loan Purchased By The Institution | 4 | $1,210,000 | $302,000 | $425,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $395,000 | $395,000 | $395,000 | $0 | $0 |
| File Closed For Incompleteness | 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 | 298 | $167,010,000 | $560,000 | $3,445,000 | $262,000 | $2,271,000 |
| Debt-To-Income Ratio | 11 | $6,895,000 | $626,000 | $1,805,000 | $122,000 | $242,000 |
| Employment History | 1 | $275,000 | $275,000 | $275,000 | $66,000 | $66,000 |
| Credit History | 1 | $595,000 | $595,000 | $595,000 | $445,000 | $445,000 |
| Unverifiable Information | 1 | $645,000 | $645,000 | $645,000 | $196,000 | $196,000 |
| 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 |
| 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 2022 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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with aggregated HMDA statistics today.
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