What loan types does R Bank offer?

R Bank offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 39.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is R Bank?

R Bank is a Bank headquartered in Round Rock, TX.

Unclaimed

R Bank

Bank•Round Rock, TX•Direct

R Bank has 40 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing

Acceptable

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Mediocre

Conventional

Place

Active

Single State

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Safe Rate's Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

R Bank performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Acceptable	Near industry average +27.4 bps above market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional	Mediocre	Below peers Bottom 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Acceptable	Near industry average Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Acceptable	Near industry average Bottom 40% of lenders Single State1 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	Sound	Mediocre	32	80.0%	+0.274%Above	$2,898Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Sound	Mediocre	34	85.0%	+0.221%Above	$2,672Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$21 million

Pricing & Closing

Avg Rate Spread

+0.274%

vs. market APOR

Avg Net Fees

$2,898

Origination − Credits

Pullthrough Rate

47.6%

Applications → Closed

Typical Borrower

Avg Loan Amount

$526,000

Avg Borrower Income

$311,400

Avg Property Value

$786,000

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

N/A

States with Loan Originations

Top States by Place Specialization Score

TXState

Volume: 40Mix: 100.00%of portfolio

Place

Sound

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.