Round Top State Bank Mortgage Rates, Fees & Info

Round Top, TX

LEI: 549300SD5OZMLCCZ6H34

Tax ID: 74-0872130

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 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, Houston, College Station, and Killeen 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 a below average pick rate when compared to similar lenders.

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Originations

105

Origination Dollar Volume (All Markets)

$40,165,000

Top 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	54	$19,950,000	$369,444	$0	0.00%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	24	$9,430,000	$392,917	$0	0.00%
Brenham, TX (FHA\|USDA\|VA)	12	$5,520,000	$460,000	$0	0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	5	$2,245,000	$449,000	$0	0.00%
COLLEGE STATION-BRYAN, TX (FHA\|USDA\|VA)	5	$1,585,000	$317,000	$0	0.00%
KILLEEN-TEMPLE, TX (FHA\|USDA\|VA)	2	$710,000	$355,000	$0	0.00%
Stephenville, TX (FHA\|USDA\|VA)	2	$500,000	$250,000	$0	0.00%
Bay City, TX (FHA\|USDA\|VA)	1	$225,000	$225,000	$0	0.00%

Round Top State Bank's top markets include Austin, Brenham, Houston, College Station, and Killeen among others.

Their top states include:

Texas (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	105	$40,165,000	$382,524	$0	0.00%

For 2024, Round Top State Bank's most frequently originated type of loan was Conventional, with 105 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Home Purchase	67	$31,855,000	$475,448	$0	0.00%
Home Improvement	15	$3,785,000	$252,333	$0	0.00%
Other	12	$2,780,000	$231,667	$0	0.00%
Refi	11	$1,745,000	$158,636	$0	0.00%

For 2024, Round Top State Bank's most frequently cited loan purpose was Home Purchase, with 67 originations. The 2nd most popular reason was Home Improvement, with 15 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	105	$40,165,000	$382,524	$0	0.00%

For 2024, Round Top State Bank's most frequently cited loan duration was Other, with 105 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	31	$7,945,000	$256,290	$0	0.00%
$100k-200k	23	$3,445,000	$149,783	$0	0.00%
$400k-600k	16	$7,440,000	$465,000	$0	0.00%
$100,000 or less	15	$985,000	$65,667	$0	0.00%
$600k-1MM	13	$9,865,000	$758,846	$0	0.00%
$1MM+	7	$10,485,000	$1,497,857	$0	0.00%

2024 saw Round Top State Bank place emphasis on $200k-400k loans with 31 originations, totaling $7,945,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	25	$5,845,000	$233,800	$0	0.00%
$150k-250k	23	$9,355,000	$406,739	$0	0.00%
$250k+	19	$11,785,000	$620,263	$0	0.00%
$50k-75k	8	$1,240,000	$155,000	$0	0.00%
$75k-100k	5	$755,000	$151,000	$0	0.00%
$50k or less	2	$60,000	$30,000	$0	0.00%

Round Top State Bank lent most frequently to those with incomes in the $100k-150k range, with 25 originations. The second most popular income band? $150k-250k, with 23 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	105	$40,165,000	$382,524	$0	0.00%

Round Top State Bank lent most frequently to those with DTI ratios of Exempt%, with 105 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	75	$24,145,000	$321,933	$0	0.00%
Not applicable	20	$10,330,000	$516,500	$0	0.00%
Not provided	5	$2,615,000	$523,000	$0	0.00%
Black	2	$1,540,000	$770,000	$0	0.00%
Asian	1	$885,000	$885,000	$0	0.00%
Asian Indian	1	$455,000	$455,000	$0	0.00%
Native Hawaiian or Islander	1	$195,000	$195,000	$0	0.00%

Approval Rates

Total approvals of all applications
87.77%

Round Top State Bank has an average approval rate.

Pick Rate

Approvals leading to origination
84.76%

Round Top State Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	105	$40,165,000	$382,524

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	105	$40,165,000	$382,524