R Bank
R Bank received 71 applications in 2025 and made 36 mortgages, in 22 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $385,000. Of 45 decisions, 9 were denials — 20.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RLNUFWOJLX7W13 |
|---|---|
| Applications received | 71 |
| Mortgages made | 36 |
| Denied | 9 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 26 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.104 points |
| FDIC-insured bank | Yes: R Bank, 9 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 23 | 6.500% | $430,000 | 8.0% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 11 | 7.125% | $375,000 | 31.3% |
Where R Bank lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Travis County, TX | 10 | 6.813% | 9.1% |
| Burnet County, TX | 8 | Under 10 loans | 11.1% |
| Williamson County, TX | 8 | Under 10 loans | 27.3% |
| Llano County, TX | 2 | Under 10 loans | 0.0% |
| San Miguel County, CO | 1 | Under 10 loans | 0.0% |
| Brown County, TX | 1 | Under 10 loans | 0.0% |
| Dallas County, TX | 1 | Under 10 loans | 0.0% |
| Erath County, TX | 1 | Under 10 loans | 0.0% |
| Harris County, TX | 1 | Under 10 loans | 0.0% |
| Hood County, TX | 1 | Under 10 loans | 0.0% |
| Jasper County, TX | 1 | Under 10 loans | 0.0% |
| Nueces County, TX | 1 | Under 10 loans | 0.0% |
| Bastrop County, TX | 0 | Under 10 loans | Not published |
| Bell County, TX | 0 | Under 10 loans | 100.0% |
| Fort Bend County, TX | 0 | Under 10 loans | Not published |
| Jackson County, TX | 0 | Under 10 loans | 100.0% |
| McLennan County, TX | 0 | Under 10 loans | Not published |
| Milam County, TX | 0 | Under 10 loans | Not published |
| Mills County, TX | 0 | Under 10 loans | 100.0% |
| Randall County, TX | 0 | Under 10 loans | 100.0% |
| Rockwall County, TX | 0 | Under 10 loans | Not published |
| Tarrant County, TX | 0 | Under 10 loans | Not published |
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When R Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.