Applications / Mortgage Analytics / Lenders / Texas / Round Top State Bank
Round Top, TX · State non-member bank · FDIC · $943 million assets · 122 loans in 2025
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122
loans originated, 2025
141
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Round Top State Bank, a bank in Round Top, Texas, makes bigger loans than most similar banks, and more of them on manufactured homes.
Its typical loan was $245,000, larger than at about four in five similar banks, state non-member banks making between half and twice as many loans. Theirs was $175,000. Jumbo loans (those larger than the conforming limit) made up 8.3% of its lending, against 1.5% at its peers.
Manufactured homes accounted for 12.3% of its loans, against 3.1% at similar banks, a larger share than at about four in five of them. All its loans were conventional. Home purchases made up 63.9% of its lending.
Low- and moderate-income (LMI) borrowers took 11.7% of its loans, and poorer neighborhoods (LMI tracts) 4.9%. Similar banks' shares were 27.9% and 17.7%, and its own were lower than at more than nine in ten of them. Its larger loans, and the non-metro Texas markets it serves, are possible reasons.
Its loans rose 16%, to 122 from 105, while similar banks grew by 9%. That follows a slide from 218 loans in 2020. It ranks 83 of 831 lenders in non-metro Texas, where Rocket Mortgage leads, and its share of Austin rose to 0.1%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Round Top State Bank took 141 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.9% · Home improvement 14.8% · Refinance 13.9% · Other 7.4%
Conventional 100.0% · of 122 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 122 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Austin-Round Rock-San Marcos | 20 |
| College Station-Bryan | 4 |
| Houston-Pasadena-The Woodlands | 3 |
| Killeen-Temple | 2 |
| San Antonio-New Braunfels | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SD5OZMLCCZ6H34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 665865 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319358 | 2012–2017 |
Established 1 January 1912. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Round Top State Bank's data.
Round Top State Bank's data
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Round Top State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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