Security State Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, Security State Bank & Trust of Fredericksburg, TX reported 663 mortgage applications totaling $113.1 million, up 217% from 2012. The average application was for $170,651, and applicants reported an average income of $118,123. 74% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Fort Worth-Arlington, TX (338), San Antonio-New Braunfels, TX (43) and Austin-Round Rock-San Marcos, TX (31) (applications in parentheses).
| Mortgage Company & Address | Security State Bank & Trust 201 West Main Street Fredericksburg, TX 78624 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 663 |
| Total Mortgage Loan Application Amount | $113,142,000 |
| Average Mortgage Loan Application Amount | $170,651 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $118,123 |
| Highest Applicant Income | $2,045,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tarrant, Texas | 275 | $ 56,048,000 | $ 203,810 | $ 132,000 |
| Kerr, Texas | 97 | $ 8,850,000 | $ 91,237 | $ 61,000 |
| Parker, Texas | 56 | $ 11,987,000 | $ 214,053 | $ 122,000 |
| Gillespie, Texas | 46 | $ 6,445,000 | $ 140,108 | $ 104,000 |
| Burnet, Texas | 28 | $ 3,208,000 | $ 114,571 | $ 120,000 |
| Travis, Texas | 22 | $ 4,363,000 | $ 198,318 | $ 163,000 |
| Llano, Texas | 18 | $ 1,360,000 | $ 75,555 | $ 94,000 |
| Bexar, Texas | 14 | $ 2,877,000 | $ 205,500 | $ 124,000 |
| Kendall, Texas | 12 | $ 1,885,000 | $ 157,083 | $ 120,000 |
| Dallas, Texas | 11 | $ 2,596,000 | $ 236,000 | $ 124,000 |
| Blanco, Texas | 9 | $ 494,000 | $ 54,888 | $ 106,000 |
| Comal, Texas | 9 | $ 3,323,000 | $ 369,222 | $ 129,000 |
| Hays, Texas | 6 | $ 502,000 | $ 83,666 | $ 86,000 |
| Johnson, Texas | 6 | $ 941,000 | $ 156,833 | $ 110,000 |
| Bandera, Texas | 4 | $ 277,000 | $ 69,250 | $ 84,000 |
| Hood, Texas | 4 | $ 338,000 | $ 84,500 | $ 129,000 |
| Aransas, Texas | 3 | $ 782,000 | $ 260,666 | $ 457,000 |
| Kimble, Texas | 3 | $ 342,000 | $ 114,000 | $ 74,000 |
| McLennan, Texas | 3 | $ 260,000 | $ 86,666 | $ 74,000 |
| Rockwall, Texas | 3 | $ 535,000 | $ 178,333 | $ 221,000 |
| Williamson, Texas | 3 | $ 518,000 | $ 172,666 | $ 153,000 |
| Atascosa, Texas | 2 | $ 265,000 | $ 132,500 | $ 17,000 |
| Brazoria, Texas | 2 | $ 431,000 | $ 215,500 | $ 108,000 |
| Ellis, Texas | 2 | $ 300,000 | $ 150,000 | $ 58,000 |
| Gonzales, Texas | 2 | $ 677,000 | $ 338,500 | $ 49,000 |
| Harris, Texas | 2 | $ 130,000 | $ 65,000 | $ 126,000 |
| Lubbock, Texas | 2 | $ 263,000 | $ 131,500 | $ 500,000 |
| Medina, Texas | 2 | $ 258,000 | $ 129,000 | $ 137,000 |
| Bell, Texas | 1 | $ 18,000 | $ 18,000 | $ 36,000 |
| Bowie, Texas | 1 | $ 134,000 | $ 134,000 | $ 103,000 |
| Brewster, Texas | 1 | $ 55,000 | $ 55,000 | $ 170,000 |
| Calhoun, Texas | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Collin, Texas | 1 | $ 270,000 | $ 270,000 | $ 104,000 |
| Denton, Texas | 1 | $ 235,000 | $ 235,000 | $ 221,000 |
| Fort Bend, Texas | 1 | $ 344,000 | $ 344,000 | $ 120,000 |
| Hamilton, Texas | 1 | $ 204,000 | $ 204,000 | $ 116,000 |
| Karnes, Texas | 1 | $ 13,000 | $ 13,000 | $ 34,000 |
| Lampasas, Texas | 1 | $ 57,000 | $ 57,000 | $ 63,000 |
| Martin, Texas | 1 | $ 350,000 | $ 350,000 | $ 170,000 |
| Navarro, Texas | 1 | $ 331,000 | $ 331,000 | $ 282,000 |
| Palo Pinto, Texas | 1 | $ 150,000 | $ 150,000 | $ 129,000 |
| San Saba, Texas | 1 | $ 32,000 | $ 32,000 | $ 80,000 |
| Taylor, Texas | 1 | $ 160,000 | $ 160,000 | $ 77,000 |
| Victoria, Texas | 1 | $ 363,000 | $ 363,000 | $ 240,000 |
| Wise, Texas | 1 | $ 96,000 | $ 96,000 | $ 167,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2013
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 | 484 | $80,126,000 | $165,000 | $1,600,000 | $112,000 | $2,045,000 |
| Refinancing | 136 | $28,009,000 | $205,000 | $1,000,000 | $133,000 | $634,000 |
| Home Improvement | 43 | $5,007,000 | $116,000 | $400,000 | $140,000 | $830,000 |
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 | 568 | $101,014,000 | $177,000 | $1,600,000 | $126,000 | $2,045,000 |
| Hispanic | 54 | $5,248,000 | $97,000 | $682,000 | $76,000 | $566,000 |
| Not applicable | 14 | $2,411,000 | $172,000 | $700,000 | $0 | $0 |
| Asian | 13 | $2,377,000 | $182,000 | $380,000 | $98,000 | $232,000 |
| Black or African American | 6 | $1,030,000 | $171,000 | $250,000 | $74,000 | $133,000 |
| American Indian or Alaskan Native | 5 | $522,000 | $104,000 | $160,000 | $120,000 | $377,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $540,000 | $180,000 | $246,000 | $89,000 | $122,000 |
| Not Provided | 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) | 600 | $103,396,000 | $172,000 | $1,600,000 | $123,000 | $2,045,000 |
| FHA-insured (Federal Housing Administration) | 61 | $9,546,000 | $156,000 | $290,000 | $77,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $55,000 | $55,000 | $55,000 | $25,000 | $25,000 |
| VA-guaranteed (Veterans Administration) | 1 | $145,000 | $145,000 | $145,000 | $61,000 | $61,000 |
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 | 489 | $87,839,000 | $179,000 | $1,600,000 | $126,000 | $2,045,000 |
| Application Denied By Financial Institution | 66 | $7,491,000 | $113,000 | $680,000 | $65,000 | $580,000 |
| Application Approved But Not Accepted | 63 | $8,475,000 | $134,000 | $682,000 | $108,000 | $571,000 |
| Application Withdrawn By Applicant | 45 | $9,337,000 | $207,000 | $1,200,000 | $129,000 | $877,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 30 | $1,940,000 | $64,000 | $252,000 | $55,000 | $254,000 |
| Debt-To-Income Ratio | 25 | $3,216,000 | $128,000 | $300,000 | $41,000 | $77,000 |
| Collateral | 6 | $1,260,000 | $210,000 | $477,000 | $67,000 | $269,000 |
| Other | 2 | $182,000 | $91,000 | $132,000 | $246,000 | $463,000 |
| Employment History | 2 | $751,000 | $375,000 | $680,000 | $315,000 | $580,000 |
| Unverifiable Information | 1 | $142,000 | $142,000 | $142,000 | $55,000 | $55,000 |
| Credit Application Incomplete | 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 & Trust's 2013 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 & Trust'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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