Security Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
36th7.5% deniedProcesswithdrawn + incomplete share, weight 15%
38th7.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 144 | 118 | 8.3% | 8.6% | — | $58M |
| 2024 | 143 | 110 | 11.2% | 11.6% | — | $35M |
| 2025 | 174 | 126 | 6.9% | 7.5% | — | $165M |
What Security Bank and Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 20 manufactured homes, 91 investment properties.
Who gets approved at Security Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 35 | 23 | 6.3% |
| $50k – $100k | 44 | 34 | 11.9% |
| $100k – $150k | 20 | 13 | 21.1% |
| Over $250k | 20 | 12 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 25 | 21 | 8.3% |
| 45–54 | 21 | 15 | 0.0% |
| 55–64 | 39 | 25 | 11.1% |
| 65–74 | 20 | 15 | 0.0% |
Where Security Bank and Trust lends
11 states and 37 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Security Bank and Trust denied 7.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 36th percentile of investment-property lenders.
In 2025, 52% of its applications were for home purchases, 36% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.