# Security State Bank & Trust

> **Canonical URL:** https://saferate.com/lenders/security-state-bank-trust

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

Security State Bank & Trust is a bank, headquartered in Fredericksburg, TX, with 135 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 67% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300KLIO6FT2J64B78
- **Headquarters:** Fredericksburg, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.5%
- **Brokered/Wholesale:** 0.5%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.226%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,266
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 135
- **Dollar Volume:** $67 million
- **Applications Received:** 206
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $494,037
- **Average Borrower Income:** $303,637

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 113 | +0.200% | $2,237 | Acceptable 🙂 |
| Jumbo | 62/100 | 15 | +0.371% | $5,655 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 84 loans, Score: 30/100 (Acceptable)
- Refinance: 29 loans, Score: 36/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 32/100 | 106 | $59M | +0.196% | Acceptable 🙂 |
| Refinance | 32/100 | 29 | $8M | +0.343% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 135 | 0.04% | 68/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 77 | 57/100 |
| Fort Worth | TX | 20 | 53/100 |
| Austin | TX | 18 | 52/100 |
| San Antonio | TX | 16 | 49/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 a pricing score of 33/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.226% above market average.

### What type of lender is Security State Bank & Trust?

Security State Bank & Trust is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Fredericksburg, TX.

### What is Security State Bank & Trust's loan approval success rate?

Security State Bank & Trust has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/security-state-bank-trust

### How to Cite

> "Security State Bank & Trust Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/security-state-bank-trust

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