Security State Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
69th5.7% deniedPricingmedian rate spread over APOR, weight 30%
44th0.31 ptsProcesswithdrawn + incomplete share, weight 15%
88th2.4%Closing coststotal loan costs ÷ loan amount, weight 10%
49th1.94% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 345 | 242 | 7.3% | 7.4% | 7.25% | $128M |
| 2024 | 311 | 201 | 8.7% | 9.3% | 7.25% | $129M |
| 2025 | 376 | 251 | 5.6% | 5.7% | 6.88% | $137M |
What Security State Bank & 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, 46 manufactured homes, 52 investment properties.
Why Security State Bank & Trust denies applications
Primary reason reported for each of the 21 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Security State Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 24 | 11 | 18.2% |
| $50k – $100k | 94 | 67 | 4.3% |
| $100k – $150k | 58 | 34 | 5.6% |
| $150k – $250k | 53 | 35 | 1.9% |
| Over $250k | 104 | 74 | 7.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 47 | 32 | 4.3% |
| 35–44 | 71 | 48 | 8.6% |
| 45–54 | 58 | 36 | 10.7% |
| 55–64 | 87 | 55 | 4.7% |
| 65–74 | 51 | 37 | 5.9% |
Where Security State Bank & Trust lends
2 states and 42 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 374 | 249 | 5.6% | 6.88% | #311 |
Frequently asked questions
Security State Bank & Trust denied 5.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 69th percentile of small mortgage lenders.
The most common reason Security State Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 47.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Security State Bank & Trust originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.31 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 66% of its applications were for home purchases, 18% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 95% conventional, 3% FHA, 2% 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.