R Bank Mortgage Lending & HMDA Data, 2024
In 2024, R Bank of Round Rock, TX reported 108 mortgage applications totaling $58.8 million, down 33% from 2023. The average application was for $544,629, and applicants reported an average income of $300,435. 51% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Austin-Round Rock, TX (34), Dallas-Plano-Irving, TX (10) and Fort Worth-Arlington, TX (10) (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 | 108 |
| Total Mortgage Loan Application Amount | $58,820,000 |
| Average Mortgage Loan Application Amount | $544,629 |
| Highest Mortgage Loan Application Amount | $4,625,000 |
| Average Applicant Income | $300,435 |
| Highest Applicant Income | $1,424,000 |
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Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 39 | $ 17,715,000 | $ 454,230 | $ 276,000 |
| Austin-Round Rock, TX | 34 | $ 20,730,000 | $ 609,705 | $ 344,000 |
| Dallas-Plano-Irving, TX | 10 | $ 6,200,000 | $ 620,000 | $ 264,000 |
| Fort Worth-Arlington, TX | 10 | $ 6,800,000 | $ 680,000 | $ 265,000 |
| Houston-The Woodlands-Sugar Land, TX | 4 | $ 1,730,000 | $ 432,500 | $ 480,000 |
| Killeen-Temple, TX | 4 | $ 1,180,000 | $ 295,000 | $ 122,000 |
| San Antonio-New Braunfels, TX | 4 | $ 3,540,000 | $ 885,000 | $ 306,000 |
| College Station-Bryan, TX | 1 | $ 205,000 | $ 205,000 | $ 49,000 |
| Sherman-Denison, TX | 1 | $ 275,000 | $ 275,000 | $ 428,000 |
| Waco, TX | 1 | $ 445,000 | $ 445,000 | $ 172,000 |
Mortgage Loan Application Detail Totals for R Bank in 2024
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 | 89 | $50,555,000 | $568,000 | $4,625,000 | $306,000 | $1,424,000 |
| Cash-out Refinancing | 10 | $4,240,000 | $424,000 | $795,000 | $264,000 | $841,000 |
| Refinancing | 8 | $3,720,000 | $465,000 | $1,005,000 | $246,000 | $561,000 |
| Home Improvement | 1 | $305,000 | $305,000 | $305,000 | $605,000 | $605,000 |
| 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 | 62 | $34,670,000 | $559,000 | $4,625,000 | $306,000 | $1,369,000 |
| Not Provided | 16 | $11,820,000 | $738,000 | $3,055,000 | $411,000 | $1,424,000 |
| Hispanic | 13 | $4,365,000 | $335,000 | $805,000 | $169,000 | $691,000 |
| Not applicable | 12 | $4,090,000 | $340,000 | $805,000 | $0 | $0 |
| Asian | 5 | $3,875,000 | $775,000 | $1,275,000 | $207,000 | $391,000 |
| 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) | 108 | $58,820,000 | $544,000 | $4,625,000 | $300,000 | $1,424,000 |
| 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 | 55 | $28,615,000 | $520,000 | $3,055,000 | $326,000 | $841,000 |
| Application Withdrawn By Applicant | 37 | $24,195,000 | $653,000 | $4,625,000 | $311,000 | $1,424,000 |
| Application Denied By Financial Institution | 16 | $6,010,000 | $375,000 | $1,505,000 | $198,000 | $793,000 |
| 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 | 92 | $52,810,000 | $574,000 | $4,625,000 | $319,000 | $1,424,000 |
| Debt-To-Income Ratio | 12 | $5,590,000 | $465,000 | $1,505,000 | $217,000 | $793,000 |
| Credit History | 3 | $385,000 | $128,000 | $255,000 | $179,000 | $304,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $55,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 2024 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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