A shrinking book
Its loans fell 35% last year, to 36 from 55. Similar banks (state non-member banks making between half and twice as many loans) grew 1%, and the whole market 10%. The fall has run every year since 2021. The figures do not say why.
Applications / Mortgage Analytics / Lenders / Texas / R Bank
R Bank
Round Rock, TX · State non-member bank · FDIC · $1.1 billion assets · 36 loans in 2025
R Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
36
loans originated, 2025
71
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
R Bank, a Round Rock bank, now makes few home loans, 36 in 2025 against 383 in 2021, but they are far larger than those of similar banks.
Big loans
Its typical loan was $405,000, against $165,000 at similar banks, larger than at nine in ten of them. Every loan was conventional, without a government guarantee. Purchases were 63.9% of its loans and refinances 36.1%.
An Austin bank
Austin-Round Rock-San Marcos is its largest market. It ranks 168 of 753 lenders there, with a 0.1% share. Its record there goes back to 1992 because the filings of Schwertner State Bank, with which it merged in 2015, count as its own.
Too few loans for fine detail
None of its loans was higher-priced (a rate well above the average for similar loans), against 5.8% at similar banks, and its typical rate, 6.75%, was a little below their 7.00%. Shares for poorer borrowers and neighborhoods rest on a handful of its 36 loans and say little.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
36 loans in 2025, against a peak of 383 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. R Bank took 71 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
63.9% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 63.9% · Refinance 36.1%
Conventional 100.0% · of 36 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 4 metros, 12 counties
| State | Loans | Share |
|---|---|---|
| Texas | 35 | 97.2% |
| Colorado | 1 | 2.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 18 |
| Corpus Christi | 1 |
| Dallas-Plano-Irving | 1 |
| Houston-Pasadena-The Woodlands | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RLNUFWOJLX7W13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3821037 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358935 | 2010–2017 |
Established 22 June 2009. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: R Bank's data.
The data and the software behind these pages
R Bank's data
$215
R Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy R Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]