R Bank Mortgage Lending & HMDA Data, 2016
In 2016, R Bank of Round Rock, TX reported 233 mortgage applications totaling $60.8 million, up 4% from 2015. The average application was for $260,879, and applicants reported an average income of $157,094. 89% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Austin-Round Rock, TX (163), Fort Worth-Arlington, TX (13) and Killeen-Temple, TX (8) (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 | 233 |
| Total Mortgage Loan Application Amount | $60,785,000 |
| Average Mortgage Loan Application Amount | $260,879 |
| Highest Mortgage Loan Application Amount | $1,360,000 |
| Average Applicant Income | $157,094 |
| Highest Applicant Income | $2,144,000 |
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Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 141 | $33,542,000 | $237,000 | $999,000 | $143,000 | $2,144,000 |
| Refinancing | 73 | $19,041,000 | $260,000 | $711,000 | $163,000 | $1,016,000 |
| Home Improvement | 19 | $8,202,000 | $431,000 | $1,360,000 | $239,000 | $924,000 |
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 | 172 | $45,690,000 | $265,000 | $1,360,000 | $196,000 | $2,144,000 |
| Not applicable | 43 | $11,265,000 | $261,000 | $999,000 | $0 | $0 |
| Hispanic | 9 | $1,842,000 | $204,000 | $446,000 | $122,000 | $265,000 |
| Asian | 4 | $826,000 | $206,000 | $261,000 | $111,000 | $190,000 |
| Not Provided | 3 | $739,000 | $246,000 | $400,000 | $387,000 | $564,000 |
| Black or African American | 2 | $423,000 | $211,000 | $247,000 | $84,000 | $109,000 |
| Native Hawaiin 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) | 233 | $60,785,000 | $260,000 | $1,360,000 | $157,000 | $2,144,000 |
| 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 | 207 | $52,822,000 | $255,000 | $1,360,000 | $151,000 | $2,144,000 |
| Application Approved But Not Accepted | 13 | $3,635,000 | $279,000 | $960,000 | $260,000 | $924,000 |
| Application Denied By Financial Institution | 8 | $1,792,000 | $224,000 | $409,000 | $91,000 | $247,000 |
| Application Withdrawn By Applicant | 3 | $716,000 | $238,000 | $400,000 | $271,000 | $564,000 |
| File Closed For Incompleteness | 2 | $1,820,000 | $910,000 | $1,120,000 | $228,000 | $250,000 |
| 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 2016 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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