Security State Bank & Trust Mortgage Lending & HMDA Data, 2023
In 2023, Security State Bank & Trust of Fredericksburg, TX reported 346 mortgage applications totaling $186.5 million, down 31% from 2022. The average application was for $538,988, and applicants reported an average income of $236,682. 70% of its applications resulted in an originated loan and 7% were denied. Its largest markets were San Antonio-New Braunfels, TX (53), Austin-Round Rock, TX (45) and Fort Worth-Arlington, TX (24) (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 | 346 |
| Total Mortgage Loan Application Amount | $186,490,000 |
| Average Mortgage Loan Application Amount | $538,988 |
| Highest Mortgage Loan Application Amount | $15,045,000 |
| Average Applicant Income | $236,682 |
| Highest Applicant Income | $2,821,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 49 | $ 10,935,000 | $ 223,163 | $ 116,000 |
| Gillespie, Texas | 47 | $ 24,685,000 | $ 525,212 | $ 229,000 |
| Burnet, Texas | 43 | $ 18,045,000 | $ 419,651 | $ 180,000 |
| Travis, Texas | 34 | $ 22,780,000 | $ 670,000 | $ 341,000 |
| Blanco, Texas | 26 | $ 9,070,000 | $ 348,846 | $ 188,000 |
| Comal, Texas | 24 | $ 13,900,000 | $ 579,166 | $ 258,000 |
| Llano, Texas | 20 | $ 7,340,000 | $ 367,000 | $ 225,000 |
| Kendall, Texas | 13 | $ 14,255,000 | $ 1,096,538 | $ 226,000 |
| Bexar, Texas | 11 | $ 10,765,000 | $ 978,636 | $ 639,000 |
| Tarrant, Texas | 11 | $ 5,515,000 | $ 501,363 | $ 357,000 |
| Parker, Texas | 9 | $ 3,335,000 | $ 370,555 | $ 254,000 |
| Hays, Texas | 5 | $ 17,255,000 | $ 3,451,000 | $ 276,000 |
| Palo Pinto, Texas | 5 | $ 1,815,000 | $ 363,000 | $ 129,000 |
| Galveston, Texas | 4 | $ 5,460,000 | $ 1,365,000 | $ 572,000 |
| Williamson, Texas | 4 | $ 1,760,000 | $ 440,000 | $ 157,000 |
| Bell, Texas | 3 | $ 1,395,000 | $ 465,000 | $ 207,000 |
| Guadalupe, Texas | 3 | $ 815,000 | $ 271,666 | $ 292,000 |
| Hood, Texas | 3 | $ 1,295,000 | $ 431,666 | $ 187,000 |
| Johnson, Texas | 3 | $ 1,255,000 | $ 418,333 | $ 197,000 |
| Lampasas, Texas | 3 | $ 445,000 | $ 148,333 | $ 139,000 |
| Bandera, Texas | 2 | $ 230,000 | $ 115,000 | $ 189,000 |
| Bastrop, Texas | 2 | $ 1,760,000 | $ 880,000 | $ 733,000 |
| Grayson, Texas | 2 | $ 420,000 | $ 210,000 | $ 93,000 |
| Kimble, Texas | 2 | $ 180,000 | $ 90,000 | $ 94,000 |
| Nueces, Texas | 2 | $ 790,000 | $ 395,000 | $ 146,000 |
| Gunnison, Colorado | 1 | $ 3,575,000 | $ 3,575,000 | $ 982,000 |
| Orleans, Louisiana | 1 | $ 545,000 | $ 545,000 | $ 424,000 |
| Bosque, Texas | 1 | $ 455,000 | $ 455,000 | $ 128,000 |
| Cameron, Texas | 1 | $ 1,065,000 | $ 1,065,000 | $ 2,821,000 |
| Collin, Texas | 1 | $ 405,000 | $ 405,000 | $ 216,000 |
| Dallas, Texas | 1 | $ 295,000 | $ 295,000 | $ 165,000 |
| Ellis, Texas | 1 | $ 425,000 | $ 425,000 | $ 178,000 |
| Erath, Texas | 1 | $ 535,000 | $ 535,000 | $ 317,000 |
| Fannin, Texas | 1 | $ 425,000 | $ 425,000 | $ 217,000 |
| Gonzales, Texas | 1 | $ 155,000 | $ 155,000 | $ 221,000 |
| Kaufman, Texas | 1 | $ 455,000 | $ 455,000 | $ 154,000 |
| Mason, Texas | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Menard, Texas | 1 | $ 1,675,000 | $ 1,675,000 | $ 0 |
| Refugio, Texas | 1 | $ 75,000 | $ 75,000 | $ 97,000 |
| Taylor, Texas | 1 | $ 415,000 | $ 415,000 | $ 148,000 |
| Wise, Texas | 1 | $ 285,000 | $ 285,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2023
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 | 240 | $129,140,000 | $538,000 | $4,685,000 | $260,000 | $2,821,000 |
| Refinancing | 42 | $13,610,000 | $324,000 | $1,525,000 | $185,000 | $947,000 |
| Not Applicable | 40 | $39,830,000 | $995,000 | $15,045,000 | $224,000 | $531,000 |
| Home Improvement | 13 | $1,925,000 | $148,000 | $365,000 | $127,000 | $295,000 |
| Other Purpose | 11 | $1,985,000 | $180,000 | $725,000 | $101,000 | $248,000 |
| 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 | 267 | $128,455,000 | $481,000 | $4,685,000 | $237,000 | $2,821,000 |
| Hispanic | 44 | $14,750,000 | $335,000 | $2,385,000 | $224,000 | $2,436,000 |
| Not applicable | 23 | $35,365,000 | $1,537,000 | $15,045,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $3,950,000 | $658,000 | $1,535,000 | $327,000 | $971,000 |
| Asian | 5 | $3,535,000 | $707,000 | $2,005,000 | $284,000 | $480,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $435,000 | $435,000 | $435,000 | $181,000 | $181,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 337 | $183,765,000 | $545,000 | $15,045,000 | $241,000 | $2,821,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,395,000 | $279,000 | $385,000 | $96,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 3 | $1,195,000 | $398,000 | $575,000 | $114,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $67,000 | $67,000 |
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 | 242 | $128,120,000 | $529,000 | $15,045,000 | $241,000 | $2,821,000 |
| Application Approved But Not Accepted | 70 | $38,800,000 | $554,000 | $2,385,000 | $273,000 | $2,436,000 |
| Application Denied By Financial Institution | 25 | $16,425,000 | $657,000 | $4,685,000 | $112,000 | $480,000 |
| Application Withdrawn By Applicant | 8 | $2,660,000 | $332,000 | $525,000 | $221,000 | $531,000 |
| Loan Purchased By The Institution | 1 | $485,000 | $485,000 | $485,000 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 321 | $170,065,000 | $529,000 | $15,045,000 | $248,000 | $2,821,000 |
| Credit History | 10 | $1,470,000 | $147,000 | $355,000 | $64,000 | $126,000 |
| Debt-To-Income Ratio | 8 | $10,450,000 | $1,306,000 | $4,685,000 | $130,000 | $480,000 |
| Collateral | 3 | $905,000 | $301,000 | $535,000 | $173,000 | $317,000 |
| Unverifiable Information | 3 | $3,075,000 | $1,025,000 | $2,125,000 | $160,000 | $193,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $525,000 | $525,000 | $525,000 | $171,000 | $171,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank & Trust's 2023 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.
For a list of all lenders in Texas, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About