Applications / Mortgage Analytics / Lenders / Texas / Security Bank of Texas
Crawford, TX · State non-member bank · FDIC · $164 million assets · 43 loans in 2025
Security Bank of Texas's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
43
loans originated, 2025
66
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security Bank of Texas, a small central Texas lender, reported again in 2024 after five years without a report, and in 2025 made 43 loans, all conventional, with far more of them in majority-minority neighbourhoods than similar lenders make.
Originations rose 23% to 43, against 2% for the typical similar lender (state non-member banks making between half and twice as many loans) and 10% for the whole market. It filed no report for 2019 to 2023; it may have been below the reporting threshold then, so those years are gaps in the record, not years without lending.
Of its loans, 41.9% were in majority-minority tracts, against 5.4% for similar lenders, a higher share than nearly nine in ten of them. In LMI (low- and moderate-income) tracts it was 32.6% against 18.6%. This may reflect the central Texas communities it serves.
Only 21.7% of its borrowers were LMI, against 28.2% for peers, lower than about two-thirds of them. Manufactured homes were 9.3% of its loans, against 2.6% for peers. With 43 loans, a handful of borrowers moves these shares, so they are too small to read much into.
Its largest market is Killeen-Temple, where it ranked 80 of 394 lenders with a 0.2% share, beside Fairway Independent Mortgage and DHI Mortgage Company.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Security Bank of Texas took 66 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.1% · Purchase 41.9%
Conventional 100.0% · of 43 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 43 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Killeen-Temple | 24 |
| Waco | 11 |
| Austin-Round Rock-San Marcos | 4 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KZ4HZESXAO1M36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 435666 | 2004–2018 |
| Respondent ID (the HMDA filer code before 2018) | 315731 | 1990–2013 |
Established 30 March 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Security Bank of Texas's data.
Security Bank of Texas's data
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Security Bank of Texas and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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