R Bank Mortgage Lending & HMDA Data, 2013
In 2013, R Bank of Round Rock, TX reported 172 mortgage applications totaling $47.9 million, up 41% from 2012. The average application was for $278,691, and applicants reported an average income of $111,197. 98% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Austin-Round Rock-San Marcos, TX (132), Fort Worth-Arlington, TX (16) and Houston-Sugar Land-Baytown, TX (7) (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 | 172 |
| Total Mortgage Loan Application Amount | $47,935,000 |
| Average Mortgage Loan Application Amount | $278,691 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $111,197 |
| Highest Applicant Income | $416,000 |
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Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for R Bank in 2013
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 | 97 | $27,534,000 | $283,000 | $2,000,000 | $118,000 | $353,000 |
| Refinancing | 73 | $20,131,000 | $275,000 | $2,500,000 | $104,000 | $416,000 |
| Home Improvement | 2 | $270,000 | $135,000 | $250,000 | $44,000 | $89,000 |
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 | 125 | $25,900,000 | $207,000 | $964,000 | $138,000 | $416,000 |
| Not applicable | 36 | $20,131,000 | $559,000 | $2,500,000 | $8,000 | $317,000 |
| Hispanic | 6 | $929,000 | $154,000 | $417,000 | $139,000 | $254,000 |
| Asian | 3 | $452,000 | $150,000 | $191,000 | $199,000 | $227,000 |
| Black or African American | 1 | $293,000 | $293,000 | $293,000 | $113,000 | $113,000 |
| American Indian or Alaskan Native | 1 | $230,000 | $230,000 | $230,000 | $70,000 | $70,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 172 | $47,935,000 | $278,000 | $2,500,000 | $111,000 | $416,000 |
| 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 | 169 | $46,876,000 | $277,000 | $2,500,000 | $111,000 | $416,000 |
| Application Approved But Not Accepted | 1 | $626,000 | $626,000 | $626,000 | $240,000 | $240,000 |
| Application Denied By Financial Institution | 1 | $225,000 | $225,000 | $225,000 | $115,000 | $115,000 |
| Application Withdrawn By Applicant | 1 | $208,000 | $208,000 | $208,000 | $75,000 | $75,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R Bank's 2013 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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