# R Bank

> **Canonical URL:** https://saferate.com/lenders/r-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


R Bank is a bank, headquartered in Round Rock, TX, with 40 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 60% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 76% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RLNUFWOJLX7W13
- **Headquarters:** Round Rock, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 24/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.274%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,898
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 40
- **Dollar Volume:** $21 million
- **Applications Received:** 84
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $526,000
- **Average Borrower Income:** $311,400
- **Average Property Value:** $786,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 16/100 | 32 | +0.274% | $2,898 | Mediocre 😐 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 27 loans, Score: 19/100 (Mediocre)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 34 | $18M | +0.221% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 40 | 0.01% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 15 | 36/100 |

## Frequently Asked Questions

### What loan types does R Bank offer?

R Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does R Bank offer mortgages?

R Bank offers mortgages in 1 states: TX.

### How competitive are R Bank's mortgage rates?

R Bank has a pricing score of 40/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.274% above market average.

### What type of lender is R Bank?

R Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Round Rock, TX.

### What is R Bank's loan approval success rate?

R Bank has a pull-through score of 24/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/r-bank

### How to Cite

> "R Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/r-bank

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