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
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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, Houston, Brenham, College Station, and San Antonio among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)Round Top State Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
210Origination Dollar Volume (All Markets)
$68,890,000Top 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 | 118 | $34,000,000 | $288,136 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 45 | $17,555,000 | $390,111 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 12 | $6,990,000 | $582,500 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 22 | $6,700,000 | $304,545 | $0 | 0.00% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 7 | $1,975,000 | $282,143 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 0.00% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 0.00% |
| Stephenville, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 210 | $68,890,000 | $328,048 | $0 | 0.00% |
For 2022, Round Top State Bank's most frequently originated type of loan was Conventional, with 210 originations.
Loan Reason
For 2022, Round Top State Bank's most frequently cited loan purpose was Home Purchase, with 137 originations. The 2nd most popular reason was Refi, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 210 | $68,890,000 | $328,048 | $0 | 0.00% |
For 2022, Round Top State Bank's most frequently cited loan duration was Other, with 210 originations.
Loan Sizing
2022 saw Round Top State Bank place emphasis on $200k-400k loans with 73 originations, totaling $20,435,000 in origination value.
Applicant Income
Round Top State Bank lent most frequently to those with incomes in the $100k-150k range, with 45 originations. The second most popular income band? $150k-250k, with 45 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 210 | $68,890,000 | $328,048 | $0 | 0.00% |
Round Top State Bank lent most frequently to those with DTI ratios of Exempt%, with 210 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications92.40%
Round Top State Bank has an average approval rate.
Pick Rate
Approvals leading to origination90.48%
Round Top State Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 210 | $68,890,000 | $328,048 |