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, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

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 SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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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.