Security State Bank & Trust Mortgage Lending & HMDA Data, 2025
In 2025, Security State Bank & Trust of Fredericksburg, TX reported 378 mortgage applications totaling $228.4 million, up 22% from 2024. The average application was for $604,153, and applicants reported an average income of $274,015. 66% of its applications resulted in an originated loan and 6% were denied. Its largest markets were San Antonio-New Braunfels, TX (72), Fort Worth-Arlington, TX (37) and Austin-Round Rock, TX (35) (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 | 378 |
| Total Mortgage Loan Application Amount | $228,370,000 |
| Average Mortgage Loan Application Amount | $604,153 |
| Highest Mortgage Loan Application Amount | $10,285,000 |
| Average Applicant Income | $274,015 |
| Highest Applicant Income | $7,092,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 219 | $ 91,505,000 | $ 417,831 | $ 225,904 |
| San Antonio-New Braunfels, TX | 72 | $ 49,080,000 | $ 681,666 | $ 256,000 |
| Fort Worth-Arlington, TX | 37 | $ 15,195,000 | $ 410,675 | $ 467,000 |
| Austin-Round Rock, TX | 35 | $ 58,375,000 | $ 1,667,857 | $ 574,000 |
| Dallas-Plano-Irving, TX | 7 | $ 4,125,000 | $ 589,285 | $ 212,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 1,470,000 | $ 735,000 | $ 267,000 |
| Victoria, TX | 2 | $ 7,010,000 | $ 3,505,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 265,000 | $ 265,000 | $ 183,000 |
| Killeen-Temple, TX | 1 | $ 855,000 | $ 855,000 | $ 280,000 |
| Lubbock, TX | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 265,000 | $ 265,000 | $ 82,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2025
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 | 250 | $145,030,000 | $580,000 | $9,005,000 | $299,000 | $7,092,000 |
| Refinancing | 66 | $44,160,000 | $669,000 | $10,005,000 | $265,000 | $1,502,000 |
| Not Applicable | 24 | $29,110,000 | $1,212,000 | $10,285,000 | $148,000 | $280,000 |
| Home Improvement | 23 | $6,345,000 | $275,000 | $2,385,000 | $167,000 | $789,000 |
| Other Purpose | 15 | $3,725,000 | $248,000 | $1,365,000 | $263,000 | $1,791,000 |
| 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 | 263 | $150,935,000 | $573,000 | $9,005,000 | $314,000 | $7,092,000 |
| Hispanic | 71 | $26,745,000 | $376,000 | $2,125,000 | $175,000 | $855,000 |
| Not applicable | 34 | $46,910,000 | $1,379,000 | $10,285,000 | $0 | $0 |
| Asian | 5 | $2,755,000 | $551,000 | $805,000 | $291,000 | $551,000 |
| Black or African American | 4 | $850,000 | $212,000 | $355,000 | $76,000 | $102,000 |
| American Indian or Alaskan Native | 1 | $175,000 | $175,000 | $175,000 | $4,000 | $4,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 361 | $221,995,000 | $614,000 | $10,285,000 | $289,000 | $7,092,000 |
| FHA-insured (Federal Housing Administration) | 11 | $3,285,000 | $298,000 | $455,000 | $115,000 | $186,000 |
| VA-guaranteed (Veterans Administration) | 6 | $3,090,000 | $515,000 | $1,155,000 | $163,000 | $282,000 |
| 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 | 251 | $137,235,000 | $546,000 | $10,285,000 | $311,000 | $7,092,000 |
| Application Approved But Not Accepted | 95 | $66,555,000 | $700,000 | $9,005,000 | $234,000 | $2,693,000 |
| Application Denied By Financial Institution | 21 | $11,895,000 | $566,000 | $2,385,000 | $234,000 | $750,000 |
| Application Withdrawn By Applicant | 9 | $12,335,000 | $1,370,000 | $10,005,000 | $120,000 | $282,000 |
| Loan Purchased By The Institution | 2 | $350,000 | $175,000 | $185,000 | $66,000 | $73,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 357 | $216,475,000 | $606,000 | $10,285,000 | $284,000 | $7,092,000 |
| Debt-To-Income Ratio | 10 | $4,610,000 | $461,000 | $2,385,000 | $187,000 | $600,000 |
| Collateral | 5 | $3,065,000 | $613,000 | $1,755,000 | $179,000 | $328,000 |
| Credit History | 3 | $1,725,000 | $575,000 | $1,275,000 | $489,000 | $750,000 |
| Other | 2 | $2,320,000 | $1,160,000 | $2,035,000 | $284,000 | $464,000 |
| Unverifiable Information | 1 | $175,000 | $175,000 | $175,000 | $61,000 | $61,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank & Trust's 2025 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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