R Bank Mortgage Lending & HMDA Data, 2018
In 2018, R Bank of Round Rock, TX reported 215 mortgage applications totaling $70.5 million, up 4% from 2017. The average application was for $328,023, and applicants reported an average income of $229,497. 81% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Austin-Round Rock, TX (126), Killeen-Temple, TX (16) 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 | 215 |
| Total Mortgage Loan Application Amount | $70,525,000 |
| Average Mortgage Loan Application Amount | $328,023 |
| Highest Mortgage Loan Application Amount | $2,385,000 |
| Average Applicant Income | $229,497 |
| Highest Applicant Income | $1,382,000 |
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Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 161 | $52,205,000 | $324,000 | $2,385,000 | $235,000 | $1,382,000 |
| Refinancing | 21 | $7,755,000 | $369,000 | $1,185,000 | $185,000 | $500,000 |
| Cash-out Refinancing | 19 | $5,525,000 | $290,000 | $675,000 | $113,000 | $218,000 |
| Other Purpose | 9 | $3,745,000 | $416,000 | $1,325,000 | $505,000 | $956,000 |
| Home Improvement | 5 | $1,295,000 | $259,000 | $1,075,000 | $186,000 | $218,000 |
| Not Applicable | 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 | 124 | $39,420,000 | $317,000 | $2,385,000 | $230,000 | $1,382,000 |
| Not applicable | 69 | $24,415,000 | $353,000 | $1,525,000 | $0 | $0 |
| Hispanic | 10 | $2,660,000 | $266,000 | $455,000 | $136,000 | $386,000 |
| Not Provided | 7 | $2,075,000 | $296,000 | $625,000 | $199,000 | $500,000 |
| Asian | 4 | $1,190,000 | $297,000 | $495,000 | $227,000 | $406,000 |
| American Indian or Alaskan Native | 1 | $765,000 | $765,000 | $765,000 | $430,000 | $430,000 |
| Black or African American | 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) | 214 | $70,400,000 | $328,000 | $2,385,000 | $224,000 | $1,382,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $125,000 | $125,000 | $125,000 | $51,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 175 | $60,015,000 | $342,000 | $2,385,000 | $227,000 | $1,382,000 |
| Application Approved But Not Accepted | 20 | $5,860,000 | $293,000 | $965,000 | $296,000 | $1,382,000 |
| Application Denied By Financial Institution | 14 | $2,940,000 | $210,000 | $355,000 | $104,000 | $209,000 |
| Application Withdrawn By Applicant | 4 | $930,000 | $232,000 | $305,000 | $162,000 | $227,000 |
| File Closed For Incompleteness | 2 | $780,000 | $390,000 | $655,000 | $208,000 | $378,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 201 | $67,585,000 | $336,000 | $2,385,000 | $234,000 | $1,382,000 |
| Debt-To-Income Ratio | 6 | $1,640,000 | $273,000 | $355,000 | $88,000 | $135,000 |
| Other | 4 | $500,000 | $125,000 | $165,000 | $128,000 | $209,000 |
| Credit History | 3 | $455,000 | $151,000 | $305,000 | $69,000 | $138,000 |
| Employment History | 1 | $345,000 | $345,000 | $345,000 | $182,000 | $182,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2018 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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with aggregated HMDA statistics today.
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