Security State Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Security State Bank & Trust of Fredericksburg, TX reported 914 mortgage applications totaling $190.6 million, up 17% from 2014. The average application was for $208,586, and applicants reported an average income of $127,653. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Fort Worth-Arlington, TX (501), Austin-Round Rock, TX (69) and San Antonio-New Braunfels, TX (46) (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 | 914 |
| Total Mortgage Loan Application Amount | $190,648,000 |
| Average Mortgage Loan Application Amount | $208,586 |
| Highest Mortgage Loan Application Amount | $3,719,000 |
| Average Applicant Income | $127,653 |
| Highest Applicant Income | $6,938,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 419 | $ 91,358,000 | $ 218,038 | $ 144,000 |
| Kerr, Texas | 85 | $ 7,036,000 | $ 82,776 | $ 65,000 |
| Gillespie, Texas | 70 | $ 10,315,000 | $ 147,357 | $ 103,000 |
| Travis, Texas | 56 | $ 23,982,000 | $ 428,250 | $ 205,000 |
| Parker, Texas | 54 | $ 13,080,000 | $ 242,222 | $ 139,000 |
| Burnet, Texas | 53 | $ 7,299,000 | $ 137,716 | $ 100,000 |
| Llano, Texas | 30 | $ 5,164,000 | $ 172,133 | $ 81,000 |
| Comal, Texas | 16 | $ 4,449,000 | $ 278,062 | $ 103,000 |
| Dallas, Texas | 15 | $ 3,901,000 | $ 260,066 | $ 130,000 |
| Johnson, Texas | 15 | $ 3,048,000 | $ 203,200 | $ 137,000 |
| Kendall, Texas | 11 | $ 1,776,000 | $ 161,454 | $ 104,000 |
| Bexar, Texas | 9 | $ 1,235,000 | $ 137,222 | $ 132,000 |
| Denton, Texas | 9 | $ 2,710,000 | $ 301,111 | $ 133,000 |
| Hays, Texas | 8 | $ 1,924,000 | $ 240,500 | $ 90,000 |
| Hood, Texas | 6 | $ 910,000 | $ 151,666 | $ 108,000 |
| Wise, Texas | 6 | $ 1,189,000 | $ 198,166 | $ 83,000 |
| Bandera, Texas | 5 | $ 659,000 | $ 131,800 | $ 100,000 |
| Blanco, Texas | 5 | $ 716,000 | $ 143,200 | $ 70,000 |
| Williamson, Texas | 5 | $ 832,000 | $ 166,400 | $ 79,000 |
| Brazos, Texas | 4 | $ 710,000 | $ 177,500 | $ 214,000 |
| Harris, Texas | 4 | $ 540,000 | $ 135,000 | $ 122,000 |
| Collin, Texas | 3 | $ 756,000 | $ 252,000 | $ 105,000 |
| Medina, Texas | 2 | $ 124,000 | $ 62,000 | $ 69,000 |
| Nueces, Texas | 2 | $ 441,000 | $ 220,500 | $ 121,000 |
| Camden, Missouri | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Atascosa, Texas | 1 | $ 30,000 | $ 30,000 | $ 85,000 |
| Bell, Texas | 1 | $ 204,000 | $ 204,000 | $ 132,000 |
| Bosque, Texas | 1 | $ 166,000 | $ 166,000 | $ 457,000 |
| Calhoun, Texas | 1 | $ 101,000 | $ 101,000 | $ 73,000 |
| Cooke, Texas | 1 | $ 108,000 | $ 108,000 | $ 187,000 |
| Ector, Texas | 1 | $ 193,000 | $ 193,000 | $ 55,000 |
| Galveston, Texas | 1 | $ 236,000 | $ 236,000 | $ 167,000 |
| Guadalupe, Texas | 1 | $ 417,000 | $ 417,000 | $ 386,000 |
| Hopkins, Texas | 1 | $ 171,000 | $ 171,000 | $ 51,000 |
| Lampasas, Texas | 1 | $ 133,000 | $ 133,000 | $ 103,000 |
| Lee, Texas | 1 | $ 14,000 | $ 14,000 | $ 31,000 |
| Midland, Texas | 1 | $ 217,000 | $ 217,000 | $ 102,000 |
| Mills, Texas | 1 | $ 250,000 | $ 250,000 | $ 116,000 |
| Montgomery, Texas | 1 | $ 200,000 | $ 200,000 | $ 100,000 |
| Palo Pinto, Texas | 1 | $ 400,000 | $ 400,000 | $ 420,000 |
| Refugio, Texas | 1 | $ 104,000 | $ 104,000 | $ 153,000 |
| Smith, Texas | 1 | $ 97,000 | $ 97,000 | $ 156,000 |
| Somervell, Texas | 1 | $ 192,000 | $ 192,000 | $ 101,000 |
| Tom Green, Texas | 1 | $ 60,000 | $ 60,000 | $ 72,000 |
| Wilson, Texas | 1 | $ 164,000 | $ 164,000 | $ 170,000 |
| Summit, Utah | 1 | $ 2,960,000 | $ 2,960,000 | $ 0 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust 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 | 683 | $141,360,000 | $206,000 | $3,719,000 | $130,000 | $6,938,000 |
| Refinancing | 176 | $43,470,000 | $246,000 | $2,960,000 | $130,000 | $580,000 |
| Home Improvement | 55 | $5,818,000 | $105,000 | $599,000 | $91,000 | $293,000 |
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 | 774 | $162,062,000 | $209,000 | $3,719,000 | $136,000 | $6,938,000 |
| Hispanic | 94 | $11,740,000 | $124,000 | $665,000 | $74,000 | $293,000 |
| Not applicable | 19 | $7,378,000 | $388,000 | $2,960,000 | $0 | $0 |
| Asian | 14 | $6,808,000 | $486,000 | $3,500,000 | $261,000 | $1,920,000 |
| Black or African American | 9 | $2,002,000 | $222,000 | $350,000 | $115,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $442,000 | $147,000 | $206,000 | $81,000 | $143,000 |
| American Indian or Alaskan Native | 1 | $216,000 | $216,000 | $216,000 | $200,000 | $200,000 |
| 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) | 812 | $172,042,000 | $211,000 | $3,719,000 | $134,000 | $6,938,000 |
| FHA-insured (Federal Housing Administration) | 98 | $17,800,000 | $181,000 | $316,000 | $81,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 4 | $806,000 | $201,000 | $324,000 | $100,000 | $214,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 710 | $149,628,000 | $210,000 | $3,719,000 | $133,000 | $6,938,000 |
| Application Approved But Not Accepted | 99 | $24,515,000 | $247,000 | $3,500,000 | $136,000 | $1,920,000 |
| Application Denied By Financial Institution | 61 | $8,432,000 | $138,000 | $2,396,000 | $71,000 | $900,000 |
| Application Withdrawn By Applicant | 44 | $8,073,000 | $183,000 | $752,000 | $110,000 | $580,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 29 | $3,949,000 | $136,000 | $665,000 | $67,000 | $204,000 |
| Credit History | 26 | $1,668,000 | $64,000 | $256,000 | $43,000 | $99,000 |
| Employment History | 2 | $189,000 | $94,000 | $143,000 | $138,000 | $224,000 |
| Unverifiable Information | 2 | $176,000 | $88,000 | $123,000 | $31,000 | $49,000 |
| Other | 1 | $2,396,000 | $2,396,000 | $2,396,000 | $900,000 | $900,000 |
| Collateral | 1 | $54,000 | $54,000 | $54,000 | $41,000 | $41,000 |
| 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 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 & 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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