Security State Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, Security State Bank & Trust of Fredericksburg, TX reported 778 mortgage applications totaling $148.7 million, up 17% from 2013. The average application was for $191,136, and applicants reported an average income of $132,197. 74% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Fort Worth-Arlington, TX (346), Austin-Round Rock, TX (61) and San Antonio-New Braunfels, TX (48) (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 | 778 |
| Total Mortgage Loan Application Amount | $148,704,000 |
| Average Mortgage Loan Application Amount | $191,136 |
| Highest Mortgage Loan Application Amount | $2,200,000 |
| Average Applicant Income | $132,197 |
| Highest Applicant Income | $2,290,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2014
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 | 587 | $116,150,000 | $197,000 | $2,200,000 | $139,000 | $2,290,000 |
| Refinancing | 135 | $25,363,000 | $187,000 | $590,000 | $111,000 | $1,624,000 |
| Home Improvement | 56 | $7,191,000 | $128,000 | $1,048,000 | $112,000 | $941,000 |
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 | 661 | $129,104,000 | $195,000 | $2,200,000 | $139,000 | $2,290,000 |
| Hispanic | 91 | $12,730,000 | $139,000 | $648,000 | $89,000 | $446,000 |
| Not applicable | 9 | $2,553,000 | $283,000 | $700,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $1,249,000 | $208,000 | $358,000 | $129,000 | $385,000 |
| Asian | 5 | $1,435,000 | $287,000 | $364,000 | $106,000 | $136,000 |
| Black or African American | 4 | $958,000 | $239,000 | $417,000 | $222,000 | $667,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $675,000 | $337,000 | $375,000 | $116,000 | $160,000 |
| 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) | 701 | $135,648,000 | $193,000 | $2,200,000 | $137,000 | $2,290,000 |
| FHA-insured (Federal Housing Administration) | 69 | $11,798,000 | $170,000 | $309,000 | $92,000 | $667,000 |
| VA-guaranteed (Veterans Administration) | 5 | $905,000 | $181,000 | $297,000 | $87,000 | $166,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $353,000 | $117,000 | $166,000 | $47,000 | $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 | 577 | $115,359,000 | $199,000 | $2,200,000 | $136,000 | $1,934,000 |
| Application Approved But Not Accepted | 93 | $16,925,000 | $181,000 | $1,530,000 | $160,000 | $2,290,000 |
| Application Denied By Financial Institution | 63 | $8,434,000 | $133,000 | $633,000 | $75,000 | $565,000 |
| Application Withdrawn By Applicant | 45 | $7,986,000 | $177,000 | $417,000 | $106,000 | $560,000 |
| 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 | 36 | $4,030,000 | $111,000 | $300,000 | $62,000 | $199,000 |
| Credit History | 21 | $2,676,000 | $127,000 | $633,000 | $66,000 | $317,000 |
| Collateral | 3 | $405,000 | $135,000 | $214,000 | $111,000 | $156,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,088,000 | $544,000 | $600,000 | $317,000 | $565,000 |
| Unverifiable Information | 1 | $235,000 | $235,000 | $235,000 | $101,000 | $101,000 |
| 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 2014 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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