R Bank Mortgage Lending & HMDA Data, 2020
In 2020, R Bank of Round Rock, TX reported 456 mortgage applications totaling $145.6 million, up 88% from 2019. The average application was for $319,298, and applicants reported an average income of $226,859. 82% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Austin-Round Rock, TX (258), Killeen-Temple, TX (39) and Fort Worth-Arlington, TX (35) (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 | 456 |
| Total Mortgage Loan Application Amount | $145,600,000 |
| Average Mortgage Loan Application Amount | $319,298 |
| Highest Mortgage Loan Application Amount | $4,805,000 |
| Average Applicant Income | $226,859 |
| Highest Applicant Income | $5,104,000 |
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Disclosure Act (HMDA) records R Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 188 | $69,060,000 | $367,000 | $4,805,000 | $213,000 | $1,408,000 |
| Refinancing | 154 | $44,790,000 | $290,000 | $1,485,000 | $260,000 | $5,104,000 |
| Cash-out Refinancing | 92 | $27,950,000 | $303,000 | $685,000 | $226,000 | $2,022,000 |
| Other Purpose | 12 | $2,400,000 | $200,000 | $755,000 | $101,000 | $246,000 |
| Home Improvement | 10 | $1,400,000 | $140,000 | $385,000 | $136,000 | $210,000 |
| 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 | 300 | $90,190,000 | $300,000 | $3,155,000 | $247,000 | $5,104,000 |
| Not applicable | 66 | $27,830,000 | $421,000 | $4,805,000 | $0 | $0 |
| Not Provided | 53 | $17,685,000 | $333,000 | $875,000 | $204,000 | $658,000 |
| Hispanic | 29 | $8,425,000 | $290,000 | $1,105,000 | $151,000 | $689,000 |
| Black or African American | 4 | $630,000 | $157,000 | $255,000 | $121,000 | $337,000 |
| Asian | 3 | $555,000 | $185,000 | $215,000 | $96,000 | $171,000 |
| American Indian or Alaskan Native | 1 | $285,000 | $285,000 | $285,000 | $113,000 | $113,000 |
| 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) | 454 | $145,010,000 | $319,000 | $4,805,000 | $232,000 | $5,104,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $185,000 | $185,000 | $185,000 | $77,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 1 | $405,000 | $405,000 | $405,000 | $148,000 | $148,000 |
| 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 | 375 | $121,095,000 | $322,000 | $4,805,000 | $244,000 | $5,104,000 |
| Application Approved But Not Accepted | 36 | $12,640,000 | $351,000 | $1,595,000 | $190,000 | $960,000 |
| Application Denied By Financial Institution | 23 | $5,345,000 | $232,000 | $685,000 | $97,000 | $204,000 |
| Application Withdrawn By Applicant | 21 | $6,095,000 | $290,000 | $545,000 | $248,000 | $1,392,000 |
| File Closed For Incompleteness | 1 | $425,000 | $425,000 | $425,000 | $140,000 | $140,000 |
| 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 | 433 | $140,255,000 | $323,000 | $4,805,000 | $240,000 | $5,104,000 |
| Credit History | 13 | $3,215,000 | $247,000 | $515,000 | $105,000 | $187,000 |
| Debt-To-Income Ratio | 8 | $1,320,000 | $165,000 | $355,000 | $63,000 | $124,000 |
| Collateral | 2 | $810,000 | $405,000 | $685,000 | $179,000 | $204,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into R Bank's 2020 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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