Round Top State Bank Mortgage Rates, Fees & Info
Round Top, TXLEI: 549300SD5OZMLCCZ6H34
Tax ID: 74-0872130
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Round Top State Bank is a smaller bank specializing in Home Purchase loans. Round Top State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Austin, Brenham, College Station, Mineral Wells, and Houston among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)Round Top State Bank has an average approval rate when compared to the average across all lenders. They have an average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
151Origination Dollar Volume (All Markets)
$55,535,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 86 | $25,170,000 | $292,674 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 38 | $17,580,000 | $462,632 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 13 | $6,785,000 | $521,923 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 4 | $1,870,000 | $467,500 | $0 | 0.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 1 | $1,645,000 | $1,645,000 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 5 | $1,605,000 | $321,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $0 | 0.00% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 151 | $55,535,000 | $367,781 | $0 | 0.00% |
For 2023, Round Top State Bank's most frequently originated type of loan was Conventional, with 151 originations.
Loan Reason
For 2023, Round Top State Bank's most frequently cited loan purpose was Home Purchase, with 94 originations. The 2nd most popular reason was Home Improvement, with 27 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 151 | $55,535,000 | $367,781 | $0 | 0.00% |
For 2023, Round Top State Bank's most frequently cited loan duration was Other, with 151 originations.
Loan Sizing
2023 saw Round Top State Bank place emphasis on $200k-400k loans with 47 originations, totaling $13,475,000 in origination value.
Applicant Income
Round Top State Bank lent most frequently to those with incomes in the $250k+ range, with 42 originations. The second most popular income band? $100k-150k, with 36 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 151 | $55,535,000 | $367,781 | $0 | 0.00% |
Round Top State Bank lent most frequently to those with DTI ratios of Exempt%, with 151 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications87.98%
Round Top State Bank has an average approval rate.
Pick Rate
Approvals leading to origination93.38%
Round Top State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 151 | $55,535,000 | $367,781 |