Security State Bank & Trust Mortgage Lending & HMDA Data, 2021
In 2021, Security State Bank & Trust of Fredericksburg, TX reported 607 mortgage applications totaling $213.2 million, down 13% from 2020. The average application was for $351,161, and applicants reported an average income of $183,550. 80% of its applications resulted in an originated loan and 7% were denied. Its largest markets were San Antonio-New Braunfels, TX (108), Austin-Round Rock, TX (72) and Fort Worth-Arlington, TX (26) (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 | 607 |
| Total Mortgage Loan Application Amount | $213,155,000 |
| Average Mortgage Loan Application Amount | $351,161 |
| Highest Mortgage Loan Application Amount | $7,005,000 |
| Average Applicant Income | $183,550 |
| Highest Applicant Income | $3,935,000 |
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records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2021
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 | 303 | $116,275,000 | $383,000 | $3,795,000 | $181,000 | $2,032,000 |
| Refinancing | 140 | $38,160,000 | $272,000 | $1,145,000 | $141,000 | $721,000 |
| Not Applicable | 124 | $42,380,000 | $341,000 | $4,255,000 | $208,000 | $1,180,000 |
| Home Improvement | 22 | $4,920,000 | $223,000 | $1,505,000 | $177,000 | $694,000 |
| Other Purpose | 18 | $11,420,000 | $634,000 | $7,005,000 | $397,000 | $3,935,000 |
| 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 | 463 | $161,445,000 | $348,000 | $7,005,000 | $179,000 | $3,935,000 |
| Hispanic | 75 | $19,975,000 | $266,000 | $815,000 | $172,000 | $1,935,000 |
| Not applicable | 56 | $25,270,000 | $451,000 | $4,255,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $3,850,000 | $962,000 | $2,295,000 | $583,000 | $1,601,000 |
| Asian | 4 | $1,770,000 | $442,000 | $785,000 | $289,000 | $615,000 |
| Black or African American | 4 | $730,000 | $182,000 | $295,000 | $128,000 | $161,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $69,000 | $69,000 |
| 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) | 590 | $208,830,000 | $353,000 | $7,005,000 | $185,000 | $3,935,000 |
| FHA-insured (Federal Housing Administration) | 8 | $1,630,000 | $203,000 | $285,000 | $60,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,975,000 | $395,000 | $695,000 | $119,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $720,000 | $180,000 | $235,000 | $57,000 | $79,000 |
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 | 484 | $171,640,000 | $354,000 | $7,005,000 | $182,000 | $3,935,000 |
| Application Approved But Not Accepted | 52 | $22,950,000 | $441,000 | $4,255,000 | $251,000 | $1,935,000 |
| Application Denied By Financial Institution | 42 | $9,310,000 | $221,000 | $1,705,000 | $84,000 | $380,000 |
| Application Withdrawn By Applicant | 29 | $9,255,000 | $319,000 | $785,000 | $166,000 | $615,000 |
| 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 | 607 | $213,155,000 | $351,000 | $7,005,000 | $181,000 | $3,935,000 |
| 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 |
| Not applicable | 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 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank & Trust's 2021 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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