Security State Bank & Trust in Texas vs the state
5.6%Denial rate-13.82 pts vs state
5.8%Decision denial rate-19.15 pts vs state
66.6%Origination rate+11.70 pts vs state
6.88%Median rate+0.38 pts vs state
0.31Rate spread (pts)+0.12 pts vs state
$144kMedian applicant income
249Loans originated
21Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 343 | 240 | 7.3% | 7.25% | #306 |
| 2024 | 310 | 200 | 8.7% | 7.25% | #319 |
| 2025 | 374 | 249 | 5.6% | 6.88% | #311 |
What Security State Bank & Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Security State Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gillespie County | 65 | 35 | 4 | 6.2% |
| Kerr County | 59 | 37 | 2 | 3.4% |
| Burnet County | 42 | 32 | 4 | 9.5% |
| Blanco County | 27 | 19 | 0 | 0.0% |
| Tarrant County | 26 | 20 | 1 | 3.8% |
| Comal County | 25 | 19 | 0 | 0.0% |
| Travis County | 25 | 11 | 2 | 8.0% |
| Kendall County | 20 | 11 | 4 | 20.0% |
| Bexar County | 17 | 13 | 0 | 0.0% |
| Llano County | 12 | 9 | 1 | 8.3% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 374 applications in 2025, of which 249 were originated and 21 denied.
5.6% of all applications, or 5.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Security State Bank & Trust originated in Texas in 2025 was 6.88%, against a statewide median of 6.50%.
About this data. Figures are Security State Bank & Trust's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology