Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Security State Bank & Trust: 2025 mortgage rates, costs & approvals

How Security State Bank & Trust priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: Security State Bank & Trust · LEI 549300KLIO6FT2J64B78

In 2025, Security State Bank & Trust originated 157 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 1 state — 1440th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 8 basis points below the national median. Median conventional loan costs were $6,520, 17% higher than the national median ($5,570).

It denied 2.2% of completed home-purchase applications (all lenders: 8.5%).

Loans
157
of 231 applications
Denial rate
2.2%
Purchase · all 8.5%
30-yr fixed rate
6.75%
Conv. · all 6.625%
Loan costs
$6,520
Conv. · all $5,570
Loan amount
$355,000
Purchase · all $335,000
Borrower income
$159,000
Purchase · all $116,000

How Security State Bank & Trust priced home-purchase loans

Purchase loans, 2025Security State Bank & TrustAll lenders
30-year fixed rate · conventional6.750%6.625%
30-year fixed rate · FHA—6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.05 pts+0.13 pts
Total loan costs · conventional$6,520$5,570
Total loan costs · FHA—$11,310
Total loan costs · VA—$6,490
Origination charges (all types)$1,860$1,860
Borrowers paying discount points14.2%51.3%
Points paid, when paid (% of loan)—0.87%
Borrowers receiving lender credits19.7%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 93.0% 146
FHA 5.1% 8
VA 1.9% 3

By purpose

Home purchase 80.9% 127
Refinance 19.1% 30
Home value
$615,000
Median, purchase loans
Down payment
21%
All lenders 10%
Refi rate
6.875%
30-yr fixed, conventional
Refi denial rate
13.7%
Cash-out —

Where Security State Bank & Trust lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Texas1572312.2%6.750%$6,520

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Security State Bank & Trust's page for that state.

Counties where Security State Bank & Trust is a top lender

Check Security State Bank & Trust yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology