R Bank Mortgage Lending & HMDA Data, 2014
In 2014, R Bank of Round Rock, TX reported 125 mortgage applications totaling $36.3 million, down 27% from 2013. The average application was for $290,256, and applicants reported an average income of $163,384. 85% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Austin-Round Rock, TX (87), Fort Worth-Arlington, TX (8) and Corpus Christi, TX (3) (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 | 125 |
| Total Mortgage Loan Application Amount | $36,282,000 |
| Average Mortgage Loan Application Amount | $290,256 |
| Highest Mortgage Loan Application Amount | $4,619,000 |
| Average Applicant Income | $163,384 |
| Highest Applicant Income | $896,000 |
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Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 90 | $26,476,000 | $294,000 | $4,619,000 | $171,000 | $896,000 |
| Refinancing | 28 | $9,105,000 | $325,000 | $1,602,000 | $146,000 | $643,000 |
| Home Improvement | 7 | $701,000 | $100,000 | $250,000 | $135,000 | $240,000 |
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 | 101 | $23,876,000 | $236,000 | $1,286,000 | $172,000 | $896,000 |
| Not applicable | 11 | $7,691,000 | $699,000 | $4,619,000 | $0 | $0 |
| Asian | 7 | $3,393,000 | $484,000 | $1,602,000 | $248,000 | $622,000 |
| Hispanic | 5 | $1,315,000 | $263,000 | $380,000 | $252,000 | $378,000 |
| Black or African American | 1 | $7,000 | $7,000 | $7,000 | $104,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 125 | $36,282,000 | $290,000 | $4,619,000 | $164,000 | $896,000 |
| 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 | 106 | $29,240,000 | $275,000 | $4,619,000 | $154,000 | $896,000 |
| Application Approved But Not Accepted | 12 | $5,166,000 | $430,000 | $1,602,000 | $252,000 | $845,000 |
| Application Denied By Financial Institution | 7 | $1,876,000 | $268,000 | $460,000 | $161,000 | $378,000 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| 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 2014 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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