Round Top State Bank in Texas vs the state
7.8%Denial rate-11.63 pts vs state
8.1%Decision denial rate-16.81 pts vs state
86.5%Origination rate+31.64 pts vs state
—Median rate
—Rate spread (pts)
$147kMedian applicant income
122Loans originated
11Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 182 | 151 | 11.5% | — | #422 |
| 2024 | 139 | 105 | 12.2% | — | #479 |
| 2025 | 141 | 122 | 7.8% | — | #489 |
What Round Top State Bank lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Round Top State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 57 | 53 | 3 | 5.3% |
| Lee County | 21 | 19 | 2 | 9.5% |
| Williamson County | 17 | 12 | 3 | 17.6% |
| Washington County | 11 | 11 | 0 | 0.0% |
| Travis County | 7 | 6 | 1 | 14.3% |
| Fort Bend County | 3 | 3 | 0 | 0.0% |
| Milam County | 3 | 3 | 0 | 0.0% |
| Bastrop County | 3 | 2 | 1 | 33.3% |
| Colorado County | 3 | 2 | 0 | 0.0% |
| Burleson County | 3 | 3 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 141 applications in 2025, of which 122 were originated and 11 denied.
7.8% of all applications, or 8.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Round Top State Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology