Big loans
Its typical loan was $305,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), higher than at nine in ten of them. Jumbo loans were 14.3% of its lending, against 1.3% at peers.
Applications / Mortgage Analytics / Lenders / Texas / Security State Bank & Trust
Security State Bank & Trust
Fredericksburg, TX · State non-member bank · FDIC · $2.1 billion assets · 251 loans in 2025
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251
loans originated, 2025
376
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Security State Bank & Trust, a Fredericksburg, Texas bank, makes large loans: its typical loan and its share of jumbo loans (larger than the conforming limit) are among the highest of similar banks.
Manufactured homes and higher prices
Manufactured homes made up 12.4% of its loans, against 2.5% at similar lenders. That may explain most of why 13.8% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 1.9% at peers. Loans on manufactured homes often carry such rates.
Growing faster than peers
Its loans rose 25% to 251, against 9% at the typical similar lender. Its largest market is non-metro Texas, where it ranked 41 of 831 lenders. It has reported since 1995.
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
251 loans in 2025, against a peak of 553 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Security State Bank & Trust took 376 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
70.1% of its 2025 loans were purchase loans; 95.6% were conventional loans.
Purchase 70.1% · Refinance 15.1% · Home improvement 5.6% · Not applicable 5.2% · Other 4.0%
Conventional 95.6% · FHA 3.2% · VA 1.2% · of 251 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
2 states, 8 metros, 36 counties
| State | Loans | Share |
|---|---|---|
| Texas | 249 | 99.2% |
| Colorado | 2 | 0.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| San Antonio-New Braunfels | 50 |
| Fort Worth-Arlington-Grapevine | 28 |
| Austin-Round Rock-San Marcos | 18 |
| Dallas-Plano-Irving | 5 |
| Houston-Pasadena-The Woodlands | 2 |
| College Station-Bryan | 1 |
| Killeen-Temple | 1 |
| Lubbock | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KLIO6FT2J64B78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 247355 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 315809 | 1995–2017 |
Established 7 April 1941. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Security State Bank & Trust's data.
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