Security State Bank & Trust Mortgage Lending & HMDA Data, 2020
In 2020, Security State Bank & Trust of Fredericksburg, TX reported 699 mortgage applications totaling $190.7 million, up 60% from 2019. The average application was for $272,839, and applicants reported an average income of $150,266. 79% of its applications resulted in an originated loan and 6% were denied. Its largest markets were San Antonio-New Braunfels, TX (135), Austin-Round Rock, TX (63) and Fort Worth-Arlington, TX (17) (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 | 699 |
| Total Mortgage Loan Application Amount | $190,715,000 |
| Average Mortgage Loan Application Amount | $272,839 |
| Highest Mortgage Loan Application Amount | $3,605,000 |
| Average Applicant Income | $150,266 |
| Highest Applicant Income | $3,059,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Burnet, Texas | 124 | $ 31,150,000 | $ 251,209 | $ 133,000 |
| Kerr, Texas | 114 | $ 17,130,000 | $ 150,263 | $ 93,000 |
| Gillespie, Texas | 112 | $ 30,250,000 | $ 270,089 | $ 135,000 |
| Comal, Texas | 61 | $ 17,665,000 | $ 289,590 | $ 217,000 |
| Llano, Texas | 57 | $ 14,085,000 | $ 247,105 | $ 130,000 |
| Travis, Texas | 40 | $ 19,770,000 | $ 494,250 | $ 228,000 |
| Bexar, Texas | 32 | $ 9,100,000 | $ 284,375 | $ 171,000 |
| Blanco, Texas | 27 | $ 11,635,000 | $ 430,925 | $ 196,000 |
| Kendall, Texas | 19 | $ 6,025,000 | $ 317,105 | $ 172,000 |
| Tarrant, Texas | 15 | $ 10,515,000 | $ 701,000 | $ 235,000 |
| Hays, Texas | 12 | $ 4,650,000 | $ 387,500 | $ 140,000 |
| Williamson, Texas | 10 | $ 1,920,000 | $ 192,000 | $ 156,000 |
| Bandera, Texas | 9 | $ 1,375,000 | $ 152,777 | $ 98,000 |
| Guadalupe, Texas | 9 | $ 1,955,000 | $ 217,222 | $ 199,000 |
| Lampasas, Texas | 9 | $ 1,855,000 | $ 206,111 | $ 85,000 |
| Nueces, Texas | 7 | $ 2,495,000 | $ 356,428 | $ 368,000 |
| Harris, Texas | 4 | $ 1,110,000 | $ 277,500 | $ 209,000 |
| Medina, Texas | 3 | $ 1,065,000 | $ 355,000 | $ 247,000 |
| Brazos, Texas | 2 | $ 310,000 | $ 155,000 | $ 146,000 |
| Brown, Texas | 2 | $ 110,000 | $ 55,000 | $ 83,000 |
| Dallas, Texas | 2 | $ 1,070,000 | $ 535,000 | $ 232,000 |
| Erath, Texas | 2 | $ 520,000 | $ 260,000 | $ 154,000 |
| Hood, Texas | 2 | $ 160,000 | $ 80,000 | $ 122,000 |
| Kimble, Texas | 2 | $ 160,000 | $ 80,000 | $ 77,000 |
| Parker, Texas | 2 | $ 970,000 | $ 485,000 | $ 155,000 |
| Wilson, Texas | 2 | $ 430,000 | $ 215,000 | $ 130,000 |
| Angelina, Texas | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Aransas, Texas | 1 | $ 255,000 | $ 255,000 | $ 124,000 |
| Bastrop, Texas | 1 | $ 285,000 | $ 285,000 | $ 82,000 |
| Bell, Texas | 1 | $ 125,000 | $ 125,000 | $ 99,000 |
| Brazoria, Texas | 1 | $ 165,000 | $ 165,000 | $ 192,000 |
| Calhoun, Texas | 1 | $ 195,000 | $ 195,000 | $ 204,000 |
| Colorado, Texas | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Crockett, Texas | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Denton, Texas | 1 | $ 85,000 | $ 85,000 | $ 208,000 |
| Hamilton, Texas | 1 | $ 265,000 | $ 265,000 | $ 84,000 |
| Lavaca, Texas | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Live Oak, Texas | 1 | $ 75,000 | $ 75,000 | $ 155,000 |
| Mason, Texas | 1 | $ 255,000 | $ 255,000 | $ 405,000 |
| Maverick, Texas | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| McCulloch, Texas | 1 | $ 45,000 | $ 45,000 | $ 126,000 |
| Palo Pinto, Texas | 1 | $ 265,000 | $ 265,000 | $ 243,000 |
| San Saba, Texas | 1 | $ 265,000 | $ 265,000 | $ 196,000 |
| Taylor, Texas | 1 | $ 255,000 | $ 255,000 | $ 99,000 |
| Waller, Texas | 1 | $ 145,000 | $ 145,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2020
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 | 306 | $88,810,000 | $290,000 | $3,605,000 | $145,000 | $1,930,000 |
| Refinancing | 253 | $69,525,000 | $274,000 | $1,525,000 | $154,000 | $3,059,000 |
| Not Applicable | 85 | $24,225,000 | $285,000 | $2,405,000 | $182,000 | $1,086,000 |
| Home Improvement | 38 | $4,660,000 | $122,000 | $605,000 | $122,000 | $375,000 |
| Other Purpose | 17 | $3,495,000 | $205,000 | $1,005,000 | $94,000 | $321,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 572 | $156,970,000 | $274,000 | $3,605,000 | $152,000 | $3,059,000 |
| Hispanic | 88 | $17,670,000 | $200,000 | $1,525,000 | $124,000 | $1,510,000 |
| Not applicable | 31 | $13,995,000 | $451,000 | $2,405,000 | $0 | $0 |
| Asian | 6 | $1,410,000 | $235,000 | $395,000 | $158,000 | $489,000 |
| Black or African American | 1 | $195,000 | $195,000 | $195,000 | $86,000 | $86,000 |
| 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) | 686 | $186,970,000 | $272,000 | $3,605,000 | $150,000 | $3,059,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $795,000 | $159,000 | $255,000 | $50,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 5 | $2,345,000 | $469,000 | $1,305,000 | $98,000 | $260,000 |
| FHA-insured (Federal Housing Administration) | 3 | $605,000 | $201,000 | $235,000 | $98,000 | $126,000 |
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 | 553 | $154,705,000 | $279,000 | $3,605,000 | $156,000 | $3,059,000 |
| Application Withdrawn By Applicant | 52 | $12,990,000 | $249,000 | $725,000 | $140,000 | $572,000 |
| Application Approved But Not Accepted | 51 | $13,975,000 | $274,000 | $1,305,000 | $141,000 | $464,000 |
| Application Denied By Financial Institution | 42 | $8,850,000 | $210,000 | $1,265,000 | $77,000 | $239,000 |
| Loan Purchased By The Institution | 1 | $195,000 | $195,000 | $195,000 | $103,000 | $103,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 699 | $190,715,000 | $272,000 | $3,605,000 | $149,000 | $3,059,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank & Trust's 2020 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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