What loan types does Security State Bank & Trust offer?

Security State Bank & Trust offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Security State Bank & Trust offer mortgages?

Security State Bank & Trust offers mortgages in 1 states: TX.

How competitive are Security State Bank & Trust's mortgage rates?

Security State Bank & Trust has an overall pricing score of 33.3/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Security State Bank & Trust?

Security State Bank & Trust is a Bank headquartered in Fredericksburg, TX.

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Security State Bank & Trust

Bank•Fredericksburg, TXHQ•Direct•Reviews near you on Google

Security State Bank & Trust has 135 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Security State Bank & Trust performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+22.6 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

113 loans · 0.20% above market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

15 loans · 0.37% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

106 loans · 0.20% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

29 loans · 0.34% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 4 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	113	83.7%	+0.200%Above	$2,237Fees
Jumbo Loans	Sound	Strong	—	Sound	15	11.1%	+0.371%Above	$5,655Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume113

Mix83.7%

Spread

+0.200%Above

Fees

$2,237Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume15

Mix11.1%

Spread

+0.371%Above

Fees

$5,655Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	106	78.5%	+0.196%Above	$2,309Fees
Refinance	Acceptable	Acceptable	Mediocre	Sound	29	21.5%	+0.343%Above	$2,099Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume106

Mix78.5%

Spread

+0.196%Above

Fees

$2,309Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing

Mediocre

Pull Through

Sound

Volume29

Mix21.5%

Spread

+0.343%Above

Fees

$2,099Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

135

Applications

206

Volume

$66 million

Pricing & Closing

Avg Rate Spread

+0.226%

vs. market APOR

Avg Net Fees

$2,266

Origination − Credits

Pullthrough Rate

65.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$494,037

Avg Borrower Income

$303,637

Avg Property Value

$790,448

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

1Full-year 2024 · HMDA

Loans originated

< 100100+None

South1

Top Metro Areas by Place Specialization Score

Fort Worth, TXMetro

Volume 20Mix 14.81% of portfolio

53/100

Sound

Austin, TXMetro

Volume 18Mix 13.33% of portfolio

52/100

Sound

San Antonio, TXMetro

Volume 16Mix 11.85% of portfolio

49/100

Sound

Top States by Place Specialization Score

TexasState

Volume 135Mix 100.00% of portfolio

68/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.