Security State Bank & Trust Mortgage Lending & HMDA Data, 2017
In 2017, Security State Bank & Trust of Fredericksburg, TX reported 343 mortgage applications totaling $72.6 million, up 12% from 2016. The average application was for $211,650, and applicants reported an average income of $132,670. 72% of its applications resulted in an originated loan and 8% were denied. Its largest markets were San Antonio-New Braunfels, TX (67), Fort Worth-Arlington, TX (56) and Austin-Round Rock, TX (36) (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 | 343 |
| Total Mortgage Loan Application Amount | $72,596,000 |
| Average Mortgage Loan Application Amount | $211,650 |
| Highest Mortgage Loan Application Amount | $2,222,000 |
| Average Applicant Income | $132,670 |
| Highest Applicant Income | $1,167,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017
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 | 246 | $51,706,000 | $210,000 | $2,222,000 | $111,000 | $1,018,000 |
| Home Improvement | 59 | $11,258,000 | $190,000 | $1,588,000 | $170,000 | $715,000 |
| Refinancing | 38 | $9,632,000 | $253,000 | $956,000 | $215,000 | $1,167,000 |
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 | 250 | $53,150,000 | $212,000 | $1,588,000 | $156,000 | $1,167,000 |
| Hispanic | 44 | $5,060,000 | $115,000 | $400,000 | $98,000 | $342,000 |
| Not applicable | 39 | $8,721,000 | $223,000 | $850,000 | $0 | $0 |
| Asian | 7 | $5,239,000 | $748,000 | $2,222,000 | $281,000 | $1,018,000 |
| American Indian or Alaskan Native | 2 | $349,000 | $174,000 | $221,000 | $60,000 | $68,000 |
| Black or African American | 1 | $77,000 | $77,000 | $77,000 | $193,000 | $193,000 |
| 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) | 343 | $72,596,000 | $211,000 | $2,222,000 | $133,000 | $1,167,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 248 | $51,221,000 | $206,000 | $2,222,000 | $130,000 | $1,167,000 |
| Application Approved But Not Accepted | 65 | $15,375,000 | $236,000 | $1,588,000 | $172,000 | $878,000 |
| Application Denied By Financial Institution | 27 | $5,783,000 | $214,000 | $1,440,000 | $72,000 | $320,000 |
| Application Withdrawn By Applicant | 3 | $217,000 | $72,000 | $128,000 | $41,000 | $52,000 |
| 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 | 17 | $4,966,000 | $292,000 | $1,440,000 | $78,000 | $320,000 |
| Credit History | 8 | $645,000 | $80,000 | $263,000 | $66,000 | $165,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank & Trust's 2017 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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