Security State Bank A Division Mortgage Lending & HMDA Data, 2015
In 2015, Security State Bank A Division of Houston, TX reported 33 mortgage applications totaling $6.9 million. The average application was for $209,484, and applicants reported an average income of $77,757. 52% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (29), Austin-Round Rock, TX (2) and Corpus Christi, TX (2) (applications in parentheses).
| Mortgage Company & Address | Security State Bank A Division 2000 West Loop South Suite 100 Houston, TX 77027 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 |
| Total Number of Mortgage Applications | 33 |
| Total Mortgage Loan Application Amount | $6,913,000 |
| Average Mortgage Loan Application Amount | $209,484 |
| Highest Mortgage Loan Application Amount | $1,420,000 |
| Average Applicant Income | $77,757 |
| Highest Applicant Income | $215,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Security State Bank A Division filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Security State Bank A Division in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 26 | $5,111,000 | $196,000 | $1,420,000 | $83,000 | $215,000 |
| Home Improvement | 4 | $1,420,000 | $355,000 | $1,225,000 | $45,000 | $109,000 |
| Refinancing | 3 | $382,000 | $127,000 | $151,000 | $76,000 | $141,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 20 | $2,728,000 | $136,000 | $732,000 | $95,000 | $215,000 |
| Not applicable | 6 | $3,856,000 | $642,000 | $1,420,000 | $0 | $0 |
| Hispanic | 5 | $254,000 | $50,000 | $100,000 | $82,000 | $167,000 |
| Asian | 1 | $52,000 | $52,000 | $52,000 | $108,000 | $108,000 |
| Black or African American | 1 | $23,000 | $23,000 | $23,000 | $149,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 33 | $6,913,000 | $209,000 | $1,420,000 | $78,000 | $215,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 17 | $4,501,000 | $264,000 | $1,420,000 | $65,000 | $188,000 |
| Application Withdrawn By Applicant | 11 | $1,972,000 | $179,000 | $1,225,000 | $101,000 | $215,000 |
| Application Denied By Financial Institution | 5 | $440,000 | $88,000 | $151,000 | $69,000 | $141,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 3 | $193,000 | $64,000 | $100,000 | $39,000 | $50,000 |
| Other | 1 | $151,000 | $151,000 | $151,000 | $141,000 | $141,000 |
| Credit History | 1 | $96,000 | $96,000 | $96,000 | $87,000 | $87,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank A Division's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Security State Bank A Division's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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