R Bank Mortgage Lending & HMDA Data, 2017
In 2017, R Bank of Round Rock, TX reported 206 mortgage applications totaling $56.8 million, down 12% from 2016. The average application was for $275,864, and applicants reported an average income of $143,504. 85% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Austin-Round Rock, TX (133), Killeen-Temple, TX (11) and Fort Worth-Arlington, 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 | 206 |
| Total Mortgage Loan Application Amount | $56,828,000 |
| Average Mortgage Loan Application Amount | $275,864 |
| Highest Mortgage Loan Application Amount | $2,300,000 |
| Average Applicant Income | $143,504 |
| Highest Applicant Income | $1,647,000 |
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Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 158 | $45,876,000 | $290,000 | $2,300,000 | $147,000 | $1,647,000 |
| Refinancing | 32 | $8,135,000 | $254,000 | $650,000 | $122,000 | $385,000 |
| Home Improvement | 16 | $2,817,000 | $176,000 | $500,000 | $152,000 | $420,000 |
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 | 135 | $37,054,000 | $274,000 | $2,300,000 | $191,000 | $1,647,000 |
| Not applicable | 48 | $12,919,000 | $269,000 | $1,051,000 | $0 | $0 |
| Asian | 11 | $2,814,000 | $255,000 | $500,000 | $160,000 | $420,000 |
| Not Provided | 7 | $1,873,000 | $267,000 | $825,000 | $178,000 | $326,000 |
| Hispanic | 5 | $2,168,000 | $433,000 | $1,375,000 | $171,000 | $501,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 206 | $56,828,000 | $275,000 | $2,300,000 | $144,000 | $1,647,000 |
| 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 | 176 | $46,680,000 | $265,000 | $1,677,000 | $146,000 | $1,647,000 |
| Application Denied By Financial Institution | 14 | $3,038,000 | $217,000 | $800,000 | $90,000 | $385,000 |
| Application Approved But Not Accepted | 11 | $3,338,000 | $303,000 | $1,100,000 | $132,000 | $368,000 |
| Application Withdrawn By Applicant | 5 | $3,772,000 | $754,000 | $2,300,000 | $238,000 | $450,000 |
| 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 2017 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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