Security State Bank & Trust Mortgage Lending & HMDA Data, 2016
In 2016, Security State Bank & Trust of Fredericksburg, TX reported 307 mortgage applications totaling $49.9 million, down 66% from 2015. The average application was for $162,654, and applicants reported an average income of $116,071. 69% of its applications resulted in an originated loan and 13% were denied. Its largest markets were San Antonio-New Braunfels, TX (52), Fort Worth-Arlington, TX (41) and Austin-Round Rock, TX (30) (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 | 307 |
| Total Mortgage Loan Application Amount | $49,935,000 |
| Average Mortgage Loan Application Amount | $162,654 |
| Highest Mortgage Loan Application Amount | $1,922,000 |
| Average Applicant Income | $116,071 |
| Highest Applicant Income | $1,894,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Kerr, Texas | 79 | $ 6,280,000 | $ 79,493 | $ 78,000 |
| Gillespie, Texas | 47 | $ 7,777,000 | $ 165,468 | $ 80,000 |
| Tarrant, Texas | 38 | $ 10,495,000 | $ 276,184 | $ 166,000 |
| Burnet, Texas | 25 | $ 2,107,000 | $ 84,280 | $ 71,000 |
| Kendall, Texas | 17 | $ 4,346,000 | $ 255,647 | $ 267,000 |
| Travis, Texas | 16 | $ 2,950,000 | $ 184,375 | $ 124,000 |
| Bexar, Texas | 15 | $ 2,932,000 | $ 195,466 | $ 48,000 |
| Comal, Texas | 11 | $ 1,362,000 | $ 123,818 | $ 80,000 |
| Blanco, Texas | 9 | $ 1,190,000 | $ 132,222 | $ 90,000 |
| Bandera, Texas | 8 | $ 873,000 | $ 109,125 | $ 52,000 |
| Hays, Texas | 8 | $ 1,576,000 | $ 197,000 | $ 157,000 |
| Llano, Texas | 6 | $ 647,000 | $ 107,833 | $ 60,000 |
| Williamson, Texas | 6 | $ 1,737,000 | $ 289,500 | $ 252,000 |
| Nueces, Texas | 4 | $ 583,000 | $ 145,750 | $ 133,000 |
| Dallas, Texas | 3 | $ 1,405,000 | $ 468,333 | $ 282,000 |
| Denton, Texas | 2 | $ 1,178,000 | $ 589,000 | $ 715,000 |
| Parker, Texas | 2 | $ 1,027,000 | $ 513,500 | $ 459,000 |
| Aransas, Texas | 1 | $ 280,000 | $ 280,000 | $ 0 |
| Atascosa, Texas | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Brazos, Texas | 1 | $ 122,000 | $ 122,000 | $ 645,000 |
| Calhoun, Texas | 1 | $ 187,000 | $ 187,000 | $ 99,000 |
| Coryell, Texas | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Erath, Texas | 1 | $ 33,000 | $ 33,000 | $ 60,000 |
| Hamilton, Texas | 1 | $ 475,000 | $ 475,000 | $ 50,000 |
| Hood, Texas | 1 | $ 48,000 | $ 48,000 | $ 122,000 |
| Kimble, Texas | 1 | $ 41,000 | $ 41,000 | $ 105,000 |
| McLennan, Texas | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Uvalde, Texas | 1 | $ 94,000 | $ 94,000 | $ 131,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2016
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 | 212 | $39,410,000 | $185,000 | $1,922,000 | $124,000 | $1,894,000 |
| Home Improvement | 58 | $6,009,000 | $103,000 | $496,000 | $105,000 | $698,000 |
| Refinancing | 37 | $4,516,000 | $122,000 | $675,000 | $88,000 | $645,000 |
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 | 218 | $36,967,000 | $169,000 | $1,525,000 | $136,000 | $1,894,000 |
| Hispanic | 58 | $5,301,000 | $91,000 | $377,000 | $77,000 | $466,000 |
| Not applicable | 26 | $6,120,000 | $235,000 | $1,922,000 | $0 | $0 |
| Asian | 3 | $772,000 | $257,000 | $417,000 | $138,000 | $161,000 |
| Black or African American | 2 | $775,000 | $387,000 | $665,000 | $514,000 | $1,000,000 |
| Native Hawaiin 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) | 307 | $49,935,000 | $162,000 | $1,922,000 | $116,000 | $1,894,000 |
| 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 | 211 | $36,369,000 | $172,000 | $1,922,000 | $123,000 | $1,079,000 |
| Application Approved But Not Accepted | 42 | $5,461,000 | $130,000 | $700,000 | $143,000 | $1,894,000 |
| Application Denied By Financial Institution | 39 | $6,190,000 | $158,000 | $600,000 | $57,000 | $163,000 |
| Application Withdrawn By Applicant | 15 | $1,915,000 | $127,000 | $280,000 | $86,000 | $347,000 |
| 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 | 28 | $5,564,000 | $198,000 | $600,000 | $59,000 | $163,000 |
| Credit History | 11 | $626,000 | $56,000 | $162,000 | $54,000 | $80,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank & Trust's 2016 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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