Ssbt Mortgage Group, LLC Mortgage Lending & HMDA Data, 2018
In 2018, Ssbt Mortgage Group, LLC of Fredericksburg, TX reported 447 mortgage applications totaling $113.9 million, down 48% from 2017. The average application was for $254,776, and applicants reported an average income of $140,078. 67% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Fort Worth-Arlington, TX (219), Dallas-Plano-Irving, TX (27) and Austin-Round Rock, TX (25) (applications in parentheses).
| Mortgage Company & Address | Ssbt Mortgage Group, LLC Po Box 471 Fredericksburg, TX 78624 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2018 2017 2016 2015 |
| Total Number of Mortgage Applications | 447 |
| Total Mortgage Loan Application Amount | $113,885,000 |
| Average Mortgage Loan Application Amount | $254,776 |
| Highest Mortgage Loan Application Amount | $1,495,000 |
| Average Applicant Income | $140,078 |
| Highest Applicant Income | $2,138,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Ssbt Mortgage Group, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Tarrant, Texas | 159 | $ 43,775,000 | $ 275,314 | $ 146,000 |
| Parker, Texas | 48 | $ 15,420,000 | $ 321,250 | $ 200,000 |
| Burnet, Texas | 43 | $ 8,465,000 | $ 196,860 | $ 99,000 |
| Llano, Texas | 26 | $ 5,280,000 | $ 203,076 | $ 118,000 |
| Kerr, Texas | 23 | $ 4,685,000 | $ 203,695 | $ 129,000 |
| Gillespie, Texas | 20 | $ 5,040,000 | $ 252,000 | $ 115,000 |
| Travis, Texas | 18 | $ 5,870,000 | $ 326,111 | $ 115,000 |
| Dallas, Texas | 14 | $ 3,360,000 | $ 240,000 | $ 92,000 |
| Comal, Texas | 13 | $ 2,895,000 | $ 222,692 | $ 91,000 |
| Denton, Texas | 7 | $ 1,785,000 | $ 255,000 | $ 118,000 |
| Blanco, Texas | 6 | $ 1,100,000 | $ 183,333 | $ 70,000 |
| Bexar, Texas | 5 | $ 765,000 | $ 153,000 | $ 246,000 |
| Collin, Texas | 5 | $ 1,385,000 | $ 277,000 | $ 115,000 |
| Johnson, Texas | 5 | $ 1,155,000 | $ 231,000 | $ 95,000 |
| McCulloch, Texas | 5 | $ 555,000 | $ 111,000 | $ 44,000 |
| Williamson, Texas | 5 | $ 1,305,000 | $ 261,000 | $ 341,000 |
| Wise, Texas | 5 | $ 1,235,000 | $ 247,000 | $ 120,000 |
| Harris, Texas | 4 | $ 2,220,000 | $ 555,000 | $ 374,000 |
| Lubbock, Texas | 3 | $ 345,000 | $ 115,000 | $ 70,000 |
| Bosque, Texas | 2 | $ 250,000 | $ 125,000 | $ 61,000 |
| Brazos, Texas | 2 | $ 420,000 | $ 210,000 | $ 297,000 |
| Erath, Texas | 2 | $ 280,000 | $ 140,000 | $ 54,000 |
| Grimes, Texas | 2 | $ 330,000 | $ 165,000 | $ 99,000 |
| Guadalupe, Texas | 2 | $ 410,000 | $ 205,000 | $ 123,000 |
| Hays, Texas | 2 | $ 600,000 | $ 300,000 | $ 113,000 |
| Hood, Texas | 2 | $ 300,000 | $ 150,000 | $ 123,000 |
| Jefferson, Texas | 2 | $ 760,000 | $ 380,000 | $ 406,000 |
| Midland, Texas | 2 | $ 490,000 | $ 245,000 | $ 164,000 |
| Palo Pinto, Texas | 2 | $ 710,000 | $ 355,000 | $ 394,000 |
| Young, Texas | 2 | $ 430,000 | $ 215,000 | $ 171,000 |
| Bandera, Texas | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Eastland, Texas | 1 | $ 305,000 | $ 305,000 | $ 122,000 |
| Ellis, Texas | 1 | $ 135,000 | $ 135,000 | $ 75,000 |
| Jack, Texas | 1 | $ 205,000 | $ 205,000 | $ 105,000 |
| Kendall, Texas | 1 | $ 565,000 | $ 565,000 | $ 145,000 |
| Kimble, Texas | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Lampasas, Texas | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Medina, Texas | 1 | $ 215,000 | $ 215,000 | $ 82,000 |
| Taylor, Texas | 1 | $ 205,000 | $ 205,000 | $ 77,000 |
| Tom Green, Texas | 1 | $ 65,000 | $ 65,000 | $ 121,000 |
| Walker, Texas | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Ssbt Mortgage Group, LLC in 2018
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 | 295 | $73,425,000 | $248,000 | $1,495,000 | $137,000 | $2,138,000 |
| Refinancing | 147 | $39,435,000 | $268,000 | $1,085,000 | $140,000 | $1,293,000 |
| Cash-out Refinancing | 5 | $1,025,000 | $205,000 | $395,000 | $324,000 | $606,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 371 | $97,135,000 | $261,000 | $1,495,000 | $146,000 | $2,138,000 |
| Hispanic | 40 | $7,630,000 | $190,000 | $455,000 | $111,000 | $696,000 |
| Not Provided | 26 | $6,600,000 | $253,000 | $415,000 | $128,000 | $350,000 |
| Asian | 5 | $1,195,000 | $239,000 | $385,000 | $82,000 | $123,000 |
| Black or African American | 3 | $745,000 | $248,000 | $375,000 | $100,000 | $176,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $580,000 | $290,000 | $385,000 | $125,000 | $156,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 366 | $95,200,000 | $260,000 | $1,495,000 | $152,000 | $2,138,000 |
| FHA-insured (Federal Housing Administration) | 53 | $11,425,000 | $215,000 | $395,000 | $82,000 | $287,000 |
| VA-guaranteed (Veterans Administration) | 23 | $6,675,000 | $290,000 | $495,000 | $116,000 | $280,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $585,000 | $117,000 | $185,000 | $51,000 | $71,000 |
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 | 299 | $72,245,000 | $241,000 | $1,495,000 | $143,000 | $2,138,000 |
| Application Withdrawn By Applicant | 69 | $20,105,000 | $291,000 | $1,445,000 | $147,000 | $696,000 |
| Application Denied By Financial Institution | 40 | $11,590,000 | $289,000 | $1,085,000 | $108,000 | $369,000 |
| Preapproval Denied by Financial Institution | 18 | $3,740,000 | $207,000 | $455,000 | $82,000 | $220,000 |
| File Closed For Incompleteness | 14 | $4,580,000 | $327,000 | $455,000 | $177,000 | $481,000 |
| Application Approved But Not Accepted | 6 | $1,450,000 | $241,000 | $395,000 | $263,000 | $606,000 |
| Preapproval Approved but not Accepted | 1 | $175,000 | $175,000 | $175,000 | $90,000 | $90,000 |
| Loan Purchased By The 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 | 389 | $98,555,000 | $253,000 | $1,495,000 | $146,000 | $2,138,000 |
| Collateral | 12 | $2,080,000 | $173,000 | $345,000 | $78,000 | $134,000 |
| Debt-To-Income Ratio | 12 | $3,140,000 | $261,000 | $555,000 | $66,000 | $228,000 |
| Credit Application Incomplete | 9 | $2,515,000 | $279,000 | $455,000 | $137,000 | $369,000 |
| Other | 8 | $1,890,000 | $236,000 | $435,000 | $97,000 | $220,000 |
| Credit History | 7 | $1,375,000 | $196,000 | $575,000 | $76,000 | $142,000 |
| Unverifiable Information | 6 | $2,770,000 | $461,000 | $935,000 | $168,000 | $336,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,560,000 | $390,000 | $1,085,000 | $125,000 | $250,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Ssbt Mortgage Group, LLC's 2018 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 Ssbt Mortgage Group, LLC'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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