Security State Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Security State Bank & Trust of Fredericksburg, TX reported 607 mortgage applications totaling $213.2 million, down 13% from 2020. The average application was for $351,161, and applicants reported an average income of $183,550. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were San Antonio-New Braunfels, TX (108), Austin-Round Rock, TX (72) and Fort Worth-Arlington, TX (26) (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 | 607 |
| Total Mortgage Loan Application Amount | $213,155,000 |
| Average Mortgage Loan Application Amount | $351,161 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $183,550 |
| Highest Applicant Income | $3,935,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 95 | $ 24,005,000 | $ 252,684 | $ 140,000 |
| Kerr, Texas | 93 | $ 17,405,000 | $ 187,150 | $ 108,000 |
| Gillespie, Texas | 88 | $ 36,670,000 | $ 416,704 | $ 187,000 |
| Travis, Texas | 51 | $ 31,085,000 | $ 609,509 | $ 261,000 |
| Comal, Texas | 48 | $ 14,800,000 | $ 308,333 | $ 142,000 |
| Llano, Texas | 41 | $ 17,095,000 | $ 416,951 | $ 283,000 |
| Blanco, Texas | 39 | $ 11,025,000 | $ 282,692 | $ 142,000 |
| Bexar, Texas | 29 | $ 9,595,000 | $ 330,862 | $ 284,000 |
| Kendall, Texas | 16 | $ 9,370,000 | $ 585,625 | $ 156,000 |
| Tarrant, Texas | 14 | $ 6,520,000 | $ 465,714 | $ 208,000 |
| Parker, Texas | 10 | $ 6,450,000 | $ 645,000 | $ 216,000 |
| Hays, Texas | 9 | $ 4,355,000 | $ 483,888 | $ 228,000 |
| Williamson, Texas | 9 | $ 2,455,000 | $ 272,777 | $ 156,000 |
| Guadalupe, Texas | 8 | $ 3,010,000 | $ 376,250 | $ 209,000 |
| Aransas, Texas | 6 | $ 2,980,000 | $ 496,666 | $ 247,000 |
| Nueces, Texas | 6 | $ 2,090,000 | $ 348,333 | $ 94,000 |
| Bandera, Texas | 4 | $ 1,040,000 | $ 260,000 | $ 157,000 |
| Bell, Texas | 3 | $ 775,000 | $ 258,333 | $ 189,000 |
| Brazos, Texas | 3 | $ 685,000 | $ 228,333 | $ 167,000 |
| Lampasas, Texas | 3 | $ 495,000 | $ 165,000 | $ 171,000 |
| San Saba, Texas | 3 | $ 395,000 | $ 131,666 | $ 88,000 |
| Bastrop, Texas | 2 | $ 940,000 | $ 470,000 | $ 1,008,000 |
| Brown, Texas | 2 | $ 820,000 | $ 410,000 | $ 288,000 |
| Dallas, Texas | 2 | $ 1,140,000 | $ 570,000 | $ 304,000 |
| Galveston, Texas | 2 | $ 2,190,000 | $ 1,095,000 | $ 600,000 |
| Harris, Texas | 2 | $ 380,000 | $ 190,000 | $ 69,000 |
| Johnson, Texas | 2 | $ 580,000 | $ 290,000 | $ 148,000 |
| Medina, Texas | 2 | $ 990,000 | $ 495,000 | $ 325,000 |
| Montgomery, Texas | 2 | $ 660,000 | $ 330,000 | $ 274,000 |
| Atascosa, Texas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Brazoria, Texas | 1 | $ 105,000 | $ 105,000 | $ 13,000 |
| Caldwell, Texas | 1 | $ 215,000 | $ 215,000 | $ 160,000 |
| Calhoun, Texas | 1 | $ 85,000 | $ 85,000 | $ 174,000 |
| Erath, Texas | 1 | $ 165,000 | $ 165,000 | $ 47,000 |
| Hood, Texas | 1 | $ 65,000 | $ 65,000 | $ 74,000 |
| Kimble, Texas | 1 | $ 195,000 | $ 195,000 | $ 98,000 |
| Lubbock, Texas | 1 | $ 205,000 | $ 205,000 | $ 218,000 |
| McLennan, Texas | 1 | $ 555,000 | $ 555,000 | $ 195,000 |
| Midland, Texas | 1 | $ 545,000 | $ 545,000 | $ 169,000 |
| Polk, Texas | 1 | $ 525,000 | $ 525,000 | $ 662,000 |
| Sterling, Texas | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Taylor, Texas | 1 | $ 285,000 | $ 285,000 | $ 188,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2021
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 | 303 | $116,275,000 | $383,000 | $3,795,000 | $181,000 | $2,032,000 |
| Refinancing | 140 | $38,160,000 | $272,000 | $1,145,000 | $141,000 | $721,000 |
| Not Applicable | 124 | $42,380,000 | $341,000 | $4,255,000 | $208,000 | $1,180,000 |
| Home Improvement | 22 | $4,920,000 | $223,000 | $1,505,000 | $177,000 | $694,000 |
| Other Purpose | 18 | $11,420,000 | $634,000 | $7,005,000 | $397,000 | $3,935,000 |
| 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 | 463 | $161,445,000 | $348,000 | $7,005,000 | $179,000 | $3,935,000 |
| Hispanic | 75 | $19,975,000 | $266,000 | $815,000 | $172,000 | $1,935,000 |
| Not applicable | 56 | $25,270,000 | $451,000 | $4,255,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $3,850,000 | $962,000 | $2,295,000 | $583,000 | $1,601,000 |
| Asian | 4 | $1,770,000 | $442,000 | $785,000 | $289,000 | $615,000 |
| Black or African American | 4 | $730,000 | $182,000 | $295,000 | $128,000 | $161,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $69,000 | $69,000 |
| 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) | 590 | $208,830,000 | $353,000 | $7,005,000 | $185,000 | $3,935,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,630,000 | $203,000 | $285,000 | $60,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,975,000 | $395,000 | $695,000 | $119,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $720,000 | $180,000 | $235,000 | $57,000 | $79,000 |
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 | 484 | $171,640,000 | $354,000 | $7,005,000 | $182,000 | $3,935,000 |
| Application Approved But Not Accepted | 52 | $22,950,000 | $441,000 | $4,255,000 | $251,000 | $1,935,000 |
| Application Denied By Financial Institution | 42 | $9,310,000 | $221,000 | $1,705,000 | $84,000 | $380,000 |
| Application Withdrawn By Applicant | 29 | $9,255,000 | $319,000 | $785,000 | $166,000 | $615,000 |
| 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 | 607 | $213,155,000 | $351,000 | $7,005,000 | $181,000 | $3,935,000 |
| 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 2021 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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