Security State Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, Security State Bank & Trust of Fredericksburg, TX reported 914 mortgage applications totaling $190.6 million, up 17% from 2014. The average application was for $208,586, and applicants reported an average income of $127,653. 78% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Fort Worth-Arlington, TX (501), Austin-Round Rock, TX (69) and San Antonio-New Braunfels, TX (46) (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 | 914 |
| Total Mortgage Loan Application Amount | $190,648,000 |
| Average Mortgage Loan Application Amount | $208,586 |
| Highest Mortgage Loan Application Amount | $3,719,000 |
| Average Applicant Income | $127,653 |
| Highest Applicant Income | $6,938,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 683 | $141,360,000 | $206,000 | $3,719,000 | $130,000 | $6,938,000 |
| Refinancing | 176 | $43,470,000 | $246,000 | $2,960,000 | $130,000 | $580,000 |
| Home Improvement | 55 | $5,818,000 | $105,000 | $599,000 | $91,000 | $293,000 |
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 | 774 | $162,062,000 | $209,000 | $3,719,000 | $136,000 | $6,938,000 |
| Hispanic | 94 | $11,740,000 | $124,000 | $665,000 | $74,000 | $293,000 |
| Not applicable | 19 | $7,378,000 | $388,000 | $2,960,000 | $0 | $0 |
| Asian | 14 | $6,808,000 | $486,000 | $3,500,000 | $261,000 | $1,920,000 |
| Black or African American | 9 | $2,002,000 | $222,000 | $350,000 | $115,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $442,000 | $147,000 | $206,000 | $81,000 | $143,000 |
| American Indian or Alaskan Native | 1 | $216,000 | $216,000 | $216,000 | $200,000 | $200,000 |
| 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) | 812 | $172,042,000 | $211,000 | $3,719,000 | $134,000 | $6,938,000 |
| FHA-insured (Federal Housing Administration) | 98 | $17,800,000 | $181,000 | $316,000 | $81,000 | $175,000 |
| VA-guaranteed (Veterans Administration) | 4 | $806,000 | $201,000 | $324,000 | $100,000 | $214,000 |
| 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 | 710 | $149,628,000 | $210,000 | $3,719,000 | $133,000 | $6,938,000 |
| Application Approved But Not Accepted | 99 | $24,515,000 | $247,000 | $3,500,000 | $136,000 | $1,920,000 |
| Application Denied By Financial Institution | 61 | $8,432,000 | $138,000 | $2,396,000 | $71,000 | $900,000 |
| Application Withdrawn By Applicant | 44 | $8,073,000 | $183,000 | $752,000 | $110,000 | $580,000 |
| 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 | 29 | $3,949,000 | $136,000 | $665,000 | $67,000 | $204,000 |
| Credit History | 26 | $1,668,000 | $64,000 | $256,000 | $43,000 | $99,000 |
| Employment History | 2 | $189,000 | $94,000 | $143,000 | $138,000 | $224,000 |
| Unverifiable Information | 2 | $176,000 | $88,000 | $123,000 | $31,000 | $49,000 |
| Other | 1 | $2,396,000 | $2,396,000 | $2,396,000 | $900,000 | $900,000 |
| Collateral | 1 | $54,000 | $54,000 | $54,000 | $41,000 | $41,000 |
| Credit Application Incomplete | 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 2015 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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