Security State Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Security State Bank & Trust of Fredericksburg, TX reported 498 mortgage applications totaling $253.6 million, down 18% from 2021. The average application was for $509,196, and applicants reported an average income of $269,437. 76% of its applications resulted in an originated loan and 4% were denied. Its largest markets were San Antonio-New Braunfels, TX (81), Austin-Round Rock, TX (60) and Fort Worth-Arlington, TX (41) (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 | 498 |
| Total Mortgage Loan Application Amount | $253,580,000 |
| Average Mortgage Loan Application Amount | $509,196 |
| Highest Mortgage Loan Application Amount | $9,355,000 |
| Average Applicant Income | $269,437 |
| Highest Applicant Income | $6,421,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 289 | $ 114,665,000 | $ 396,764 | $ 217,643 |
| San Antonio-New Braunfels, TX | 81 | $ 40,925,000 | $ 505,246 | $ 266,000 |
| Austin-Round Rock, TX | 60 | $ 57,820,000 | $ 963,666 | $ 401,000 |
| Fort Worth-Arlington, TX | 41 | $ 31,455,000 | $ 767,195 | $ 528,000 |
| Houston-The Woodlands-Sugar Land, TX | 10 | $ 3,920,000 | $ 392,000 | $ 321,000 |
| Killeen-Temple, TX | 4 | $ 1,070,000 | $ 267,500 | $ 144,000 |
| Corpus Christi, TX | 3 | $ 945,000 | $ 315,000 | $ 140,000 |
| Lubbock, TX | 3 | $ 635,000 | $ 211,666 | $ 130,000 |
| San Angelo, TX | 3 | $ 725,000 | $ 241,666 | $ 258,000 |
| Brownsville-Harlingen, TX | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| College Station-Bryan, TX | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Dallas-Plano-Irving, TX | 1 | $ 315,000 | $ 315,000 | $ 171,000 |
| Tyler, TX | 1 | $ 645,000 | $ 645,000 | $ 2,590,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2022
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 | 308 | $170,720,000 | $554,000 | $9,355,000 | $275,000 | $5,077,000 |
| Not Applicable | 96 | $48,720,000 | $507,000 | $5,005,000 | $185,000 | $620,000 |
| Refinancing | 62 | $27,410,000 | $442,000 | $3,245,000 | $338,000 | $6,421,000 |
| Home Improvement | 20 | $3,000,000 | $150,000 | $455,000 | $378,000 | $4,601,000 |
| Other Purpose | 12 | $3,730,000 | $310,000 | $755,000 | $267,000 | $620,000 |
| 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 | 369 | $194,525,000 | $527,000 | $9,355,000 | $308,000 | $6,421,000 |
| Hispanic | 59 | $13,955,000 | $236,000 | $875,000 | $134,000 | $425,000 |
| Not applicable | 58 | $40,920,000 | $705,000 | $5,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $825,000 | $165,000 | $305,000 | $80,000 | $115,000 |
| Asian | 5 | $2,225,000 | $445,000 | $705,000 | $218,000 | $405,000 |
| Black or African American | 2 | $1,130,000 | $565,000 | $575,000 | $232,000 | $353,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 482 | $248,500,000 | $515,000 | $9,355,000 | $287,000 | $6,421,000 |
| FHA-insured (Federal Housing Administration) | 9 | $2,265,000 | $251,000 | $365,000 | $91,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 6 | $2,680,000 | $446,000 | $645,000 | $137,000 | $243,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $57,000 | $57,000 |
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 | 376 | $191,400,000 | $509,000 | $5,515,000 | $304,000 | $6,421,000 |
| Application Approved But Not Accepted | 77 | $35,465,000 | $460,000 | $2,405,000 | $180,000 | $1,014,000 |
| Application Withdrawn By Applicant | 24 | $12,270,000 | $511,000 | $1,535,000 | $276,000 | $1,019,000 |
| Application Denied By Financial Institution | 21 | $14,445,000 | $687,000 | $9,355,000 | $231,000 | $3,183,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 477 | $239,135,000 | $501,000 | $5,515,000 | $283,000 | $6,421,000 |
| Debt-To-Income Ratio | 11 | $3,665,000 | $333,000 | $865,000 | $82,000 | $218,000 |
| Credit History | 7 | $9,825,000 | $1,403,000 | $9,355,000 | $488,000 | $3,183,000 |
| Collateral | 2 | $430,000 | $215,000 | $335,000 | $168,000 | $243,000 |
| Unverifiable Information | 1 | $525,000 | $525,000 | $525,000 | $189,000 | $189,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2022 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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